Spreadex deposits and withdrawals

Deposits and withdrawals

Available funding methods include Debit/credit card, Apple Pay, Google Pay, Pay by Bank, bank transfer, cheque. Processing times, limits, fees and availability vary by country, currency and account entity.

Withdrawals are stated at Method-dependent; same-day CHAPS available, against Cards/digital payments generally instant; bank transfer dependent for deposits. A gap between the two is normal and not in itself a warning sign - identity checks are a legal obligation, not obstruction. What is worth noticing is a withdrawal that keeps meeting new conditions after those checks are done.

Withdrawal routes: pay by bank, visa/mastercard, apple pay, google pay, bank transfer, cheque. Money is usually returned by the route it arrived on, so the deposit method you pick is in effect the withdrawal method you are picking too.

The minimum withdrawal is £5 - relevant if you intend to fund the account lightly, since it sets the smallest amount you can take out at a time.

Identity, payment ownership and source-of-funds checks may be required before a withdrawal is processed.

Deposit methods

Debit/credit card, Apple Pay, Google Pay, Pay by Bank, bank transfer, cheque

Withdrawal methods

Pay by Bank, Visa/Mastercard, Apple Pay, Google Pay, bank transfer, cheque

Deposit time

Cards/digital payments generally instant; bank transfer dependent

Withdrawal time

Method-dependent; same-day CHAPS available

Deposit fee

None on standard methods

Withdrawal fee

Generally none on standard methods; £25 for CHAPS

Minimum withdrawal

£5

Local payment methods

Pay by Bank / UK bank transfer

View withdrawal complaints about Spreadex

Use a payment method held in your own name. The broker may reject third-party payments or require withdrawals to follow the original funding route.

Information last checked 26 August 2026. Account terms may differ by entity and country.