Comparison of 21 Overseas Forex Deposit and Withdrawal Methods | Fees, Processing Time, and Recommended Banks

When it comes to deposits and withdrawals in overseas forex trading,the amount you receive depends more on the method of withdrawal than on the. For example, with a withdrawal of approximately $625.00, some brokers will deduct approximately $0.00 if you use a domestic bank transfer, while choosing an overseas bank transfer will result in a deduction of approximately $15.31 to approximately $25.00 at the receiving Japanese bank.

Furthermore, in recent years,the deposit and withdrawal methods supported by different service providers have changed. Some providers have removed bitwallet and STICPAY from their official list of supported methods, while others have added new payment services such as BXONE and Walletory. If you assume that a particular method is still available based on information from several years ago, you may find yourself unable to select it when you try to withdraw funds.

In this article, we directly checked the official websites of all 21 overseas forex brokers supported by MoneyChat in August 2026 andcompiled a table showing the fees and processing times for each deposit and withdrawal method. Furthermore, we will explain a real-world withdrawal simulation of approximately $625.00, how to choose a broker based on your purpose, and the system changes implemented in June 2026.

*This article was created by the MoneyCharger editorial teamour content creation policy, after individually checking the official websites of all 21 companies listed on August 27, 2026. Wallet and bank fees are based on thebitwallet,Mitsubishi UFJ Bank,Sumishin SBI Net Bank, andRakuten Bank.Descriptions of regulationsthe Financial Services Agency, tax treatment is based on informationfrom the National Tax Agency, and consumer warnings arethe Consumer Affairs Agency. Deposit and withdrawal conditions may change at the discretion of the service provider or bank, so please be sure to check the latest conditions on each company's member page before proceeding.

If you are having trouble withdrawing funds, please first check out our article on the causes and solutions for withdrawal rejections in overseas forex trading

If you are considering withdrawing large sums of money, such as hundreds of millions of yen,this list of overseas forex brokers that allow withdrawals of hundreds of millions of yen,, may be helpful.

A comparison of deposit and withdrawal fees and processing times for 21 overseas forex brokers

To give you an overview at a glance,we've compiled a summary of the fees and processing times for each deposit and withdrawal method for the 21 overseas forex brokers that MoneyChat supports. All information was directly verified on each company's official website on August 27, 2026.

In creating this table, we discovered a few things.Of the 21 companies, five do not publish the fees or processing times for each method on their official websites. These companies only provide information on the member page after an account has been opened, stating, "Please check the available methods on the client portal." In this article, we have not filled in any numbers based on speculation, and have clearly distinguished between items that are officially listed and those that are not.

A "-" in the table indicates that the method in question is not listed on the official website (this includes both cases where the service has been discontinued and cases where it was never supported). "Officially undisclosed" indicates that the provider has not published the terms and conditions on their official website.If you are viewing this on a smartphone, you can swipe the table left or right to see all the columns.

Comparison of withdrawal fees

First, there are the fees charged by the service provider when you withdraw funds.Even for the same "domestic bank transfer" service, some providers offer free transfers while others charge approximately $28.13.

Overseas Forex Brokers	Domestic bank transfer	credit card	bitwallet	STICPAY	Cryptocurrency	International bank transfer
HFM	free	free	free	－	free	－
XS.com	free	free	－	－	－	free
AXIORY	Free for orders over approximately $125.00 / Approximately $6.25 for orders under approximately $125.00	Free for orders over approximately $125.00 / Approximately $6.25 for orders under approximately $125.00	－	－	－	Free for orders over approximately $125.00 / Approximately $9.38 for orders under approximately $125.00
Axi	Japanese Yen is not supported	free	－	－	free	free
Vantage Trading	free	free	free	free	－	free※6
EBC Financial Group	free	free	Officially undisclosed	Officially undisclosed	Officially undisclosed	free
IS6FX	Free up to once a month※1	－	－	Free up to once a month※1	Free up to once a month※1	－
DecodeFX	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed
MYFX Markets	approx. $12.50※5	approx. $12.50※5	free	－	Exchange fee + blockchain fee	approx. $12.50※5
Titan FX	free※3	free※3	free※3	free※3	free※3	free※3
BigBoss	Approximately $12.50 (USD account $20)*4	－	－	Officially undisclosed	Officially undisclosed	Officially undisclosed
ThreeTrader	free	－	free	－	free	free
MONAXA	Our company's responsibility	－	General term only※8	General term only※8	Our company's responsibility	Customer's responsibility
JadeFOREX	Up to 3 times this month, approximately $0.00※2	－	－	－	Officially undisclosed	－
Dupoin	Officially undisclosed	－	General term only※8	General term only※8	Officially undisclosed	Officially undisclosed
IC Markets	free	free	－	－	free	free※7
The following are companies that do not publicly disclose their terms and conditions on their official website (these can be checked on the member page/portal):
FXGT	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed
Axon Markets	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed
OQTima	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed
INFINOX	Officially undisclosed	Officially undisclosed	－	Officially undisclosed	Officially undisclosed	－
Exness	Not viewable	Not viewable	Not viewable	Not viewable	Not viewable	Not viewable

Comparison of withdrawal processing times

Next, let's look at the time it takes from requesting a withdrawal to receiving the funds.MONAXAfrom instant withdrawals withDecodeFXThere's a significant difference even among domestic bank transfers, rangingNote that the figures in the table are the official guidelines provided by each company, and the actual time the funds arrive will depend on the receiving bank's business hours and congestion.

Overseas Forex Brokers	Domestic bank transfer	credit card	bitwallet	STICPAY	Cryptocurrency	International bank transfer
HFM	Within 2 business days	2-10 business days	Immediately	－	Within 24 hours	－
XS.com	Usually processed within 24 hours	Usually processed within 24 hours	－	－	－	Usually processed within 24 hours
AXIORY	1-3 business days	3-20 business days	－	－	－	3-20 business days
Axi	Japanese Yen is not supported	1-7 business days	－	－	1-7 business days	1-7 business days
Vantage Trading	3-5 business days	1-7 business days	1-7 business days	1-7 business days	－	3-5 business days
EBC Financial Group	Depending on the bank used (not officially stated)	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed
IS6FX	1-3 business days	－	－	1-3 business days	1-3 business days	－
DecodeFX	3-7 business days	Immediately	Officially undisclosed	Officially undisclosed	Immediately after approval	3-7 business days
MYFX Markets	Officially undisclosed	Officially undisclosed	Officially undisclosed	－	Officially undisclosed	Officially undisclosed
Titan FX	2-3 business days	Immediate processing / Depending on the card company, processing may take 1 business day or more	Immediately	Immediately	Review process takes a maximum of 48 hours plus at least 1 business day	2-3 business days
BigBoss	2-5 business days	－	－	2-5 business days	2-5 business days	2-5 business days
ThreeTrader	1-3 business days	－	1-3 business days	－	1-3 business days	1-3 business days
MONAXA	Immediately	－	General term only※8	General term only※8	Up to 24 hours	2-5 business days
JadeFOREX	2-5 business days	－	－	－	2-5 business days	－
Dupoin	Maximum 2 hours (business days only)	－	General term only※8	General term only※8	Maximum 2 hours (business days only)	Maximum 2 hours (business days only)
IC Markets	Officially undisclosed	3-5 business days (up to 10 business days depending on the bank)	－	－	Officially undisclosed	up to 14 days
The following are companies that do not publicly disclose their terms and conditions on their official website (these can be checked on the member page/portal):
FXGT	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed
Axon Markets	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed
OQTima	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed
INFINOX	Officially undisclosed	Officially undisclosed	－	Officially undisclosed	Officially undisclosed	－
Exness	Not viewable	Not viewable	Not viewable	Not viewable	Not viewable	Not viewable

Comparison of deposit processing times

Deposits are processed much faster than withdrawals, with most methods allowing funds to be reflected in your trading account instantly or within a few tens of minutes.This difference can significantly impact your trading opportunities, especially when you need to make additional deposits during sudden market fluctuations.

Overseas Forex Brokers	Domestic bank transfer	credit card	bitwallet	STICPAY	Cryptocurrency	International bank transfer
HFM	Within 10 minutes	JCB within 10 minutes/VISA/MC Immediately	Within 10 minutes	－	Immediately	－
XS.com	Immediately	Immediately	－	－	－	Up to 5 business days
AXIORY	Approximately 30 minutes	Immediately	－	－	－	Deposits are currently suspended
Axi	Japanese Yen is not supported	Immediately	－	－	Maximum 15 minutes	1-3 days
Vantage Trading	Within 24 business hours	Immediately	Within 24 business hours	Within 24 business hours	－	2-5 business days
EBC Financial Group	As short as 1 minute	As short as 1 minute	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed
IS6FX	Within 1 hour	Immediately	－	Immediately	Within 30 minutes	－
DecodeFX	3-7 business days	Immediately	Officially undisclosed	Officially undisclosed	Immediately after approval	3-7 business days
MYFX Markets	Immediate to 3 business days	Immediate to 3 business days	Immediate to 3 business days	－	Immediate to 3 business days	Immediate to 3 business days
Titan FX	1 hour to 1 business day	Officially undisclosed	Immediately	Immediately	Immediately	Immediately
BigBoss	A few hours to 1 business day	0-1 business days	－	0-1 business days	0-2 business days	2-5 business days
ThreeTrader	20 minutes	－	Immediately	－	Immediately	1-3 business days
MONAXA	Immediately	Immediately	General term only※8	General term only※8	Minimum 15 minutes	2-5 business days
JadeFOREX	Within 1-3 business days after payment is received	On the same day	－	－	Immediately after confirmation of receipt of funds	－
Dupoin	Immediate ~ 10 minutes	Immediate ~ 5 minutes	General term only※8	General term only※8	Immediate ~ 10 minutes	Balance update within 10 minutes / Processing takes up to 3 business days
IC Markets	2-5 business days	Immediately	－	－	Immediately	2-5 business days
The following are companies that do not publicly disclose their terms and conditions on their official website (these can be checked on the member page/portal):
FXGT	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed
Axon Markets	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed
OQTima	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed	Officially undisclosed
INFINOX	Officially undisclosed	Officially undisclosed	－	Officially undisclosed	Officially undisclosed	－
Exness	Not viewable	Not viewable	Not viewable	Not viewable	Not viewable	Not viewable

*1 IS6FX: From the second withdrawal onwards, a 2% fee is charged per withdrawal. If the withdrawal amount is approximately $1,250 (2,000 USD) or less, a flat fee of approximately $28.13 (45 USD) is charged. The count resets on the 1st of each month at UTC+0. If you withdraw without making any trades, a fee of 45 USD is charged.
*2 JadeFOREX: From the fourth withdrawal onwards, the larger of either "approximately $18.75 (30 USD)" or "1.5% of the withdrawal amount" will be deducted.
*3 Titan FX: If you withdraw without making any trades, a 4% withdrawal fee may be charged (applies to all methods).
*4 BigBoss: If your loyalty status (LS) is Advanced or higher, withdrawal fees to Japanese domestic banks are free. The determination is based on your status at the time of withdrawal.
*5 MYFX Markets: A withdrawal fee is charged for each application (official example: If you withdraw approximately $125.00 and approximately $187.50 separately, the total fee will be approximately $25.00). Withdrawals via bitwallet and Peska are free.
*6 Vantage:Vantageitself is free, the official website states that international bank transfers generally incur bank fees of around USD 20. Furthermore, they reserve the right to charge merchant fees and discretionary fees if withdrawals are made without trading.
*7 IC Markets: If deposited funds are not used for trading, a processing fee may be charged for withdrawals. International bank transfers incur additional fees from intermediary and receiving banks and can take up to 14 days.
*8 MONAXAandDupoin: The official website lists payment methods under category names such as "electronic wallets," and it is not possible to determine from the official website whether they specifically support bitwallet and STICPAY.

Six key features and points to note regarding deposit and withdrawal methods for overseas forex trading

From here, we will explain the mechanism and points to note when actually using each of the six methods compared in the table.the lineup of service providers has changed significantly in the last few years, we will also show the current availability.

Domestic bank transfer | Best balance of fees and speed

Domestic bank transfers area system where you don't directly interact with overseas businesses, but instead go through the account of a domestic payment processing company (collection agent) that the business has a contract with. When you make a deposit, the money is transferred to a designated domestic account, and when you withdraw money, it is transferred from that account to your own bank account. Because it is processed as a domestic transfer, there are no incoming transfer fees like when receiving an international transfer. This is why domestic bank transfers are the cheapest option.

Deposits are reflectedHFMwithin 10 minutes,ThreeTraderwithin 20 minutes, andAXIORYwithin 1 hour for most brokers: within approximately 30 minutes. Withdrawals typically take 1 to 5 business days, but MONAXAis instant,Dupoinis exceptionally fast at a maximum of 2 hours (business days only), whileDecodeFXdays has a wider range of 3 to 7 HFMbusiness . If you would like to see the actual procedure with screenshots, we have explained the application process for withdrawals using ThreeTraderHFM ThreeTrader

The bank account details for transfersmay change without notice.BigBoss's official website clearly states, "The bank account details for transfers may change suddenly, so please be sure to check the latest bank account information on your My Page before making a deposit." If you reuse the same bank account details from your previous deposit, your deposit may not be reflected.

Please noteAxidoes not include Japanese yen as a currency in its official list of payment options for the Asian region, and does not offer domestic bank transfers in Japanese yen. Caution is advised if you are choosing a service provider based on the assumption of domestic bank transfers.

Credit Card | Deposits are instant, withdrawals are treated as "refunds"

Credit cards are one of the fastest ways to receive deposits, and many companies offer instant processing. However,withdrawals are processed as a "cancellation of the deposit (refund)," so only the amount deposited can be returned to the card. Profits cannot be received by card and must be received using another method, such as bank transfer.

Another weakness isthe length of time it takes to withdraw funds. Because the funds go through the card company,AXIORYtakes 3 to 20 business days,HFMtakes 2 to 10 business days, andIC Marketstakes 3 to 5 business days (up to 10 business days depending on the bank), which is significantly longer than other methods.

Additionally, some brokers restrict withdrawals for a certain period after a card deposit.BigBossofficially states that withdrawals are not permitted for up to two months after a credit card deposit, andVantagewithdrawals made within 12 weeks of a card deposit will be refunded to the original cardstates thatIS6FX,ThreeTrader,JadeFOREX,MONAXA, andDupoindo not support card withdrawals at all.

For those who want to learn more about depositing funds using a credit card, we have provided explanations of supported card brands and actual deposit procedures for overseas forex brokers that accept credit cards

bitwallet | Suitable for people who use multiple wallets, but the number of supported wallets is decreasing

bitwallet is an online payment service that allows you to consolidate funds from multiple overseas forex brokers into a single wallet.you can complete transactions within the wallet without going through a bank, even when moving funds between brokers. Deposit and withdrawal fees from participating brokers were all free.

However,the number of brokers that support bitwallet has clearly decreased in recent years. As of August 2026, the only brokers that list bitwallet as a supported payment method on their official websitesVantage Trading,Titan FX,HFM,ThreeTrader, and MYFX Markets. On the other hand,AXIORY's list of supported payment methods, andBigBossstopped accepting deposits and withdrawals via bitwallet in August 2026.IS6FX,IC Markets, XS.com,INFINOX, andJadeFOREXalso do not support bitwallet.

When withdrawing funds from bitwallet to a Japanese bank account, bitwallet will charge a fee. The official fee schedule states that"an amount equivalent to 10 USD in each currency (varies by country)," and also clearly states that "separate bank transfer fees, intermediary bank fees, etc. will be required." The minimum amount that can be received in Japanese yen is approximately $6.25. You can check the exact amount after logging into your account.

STICPAY | The number of participating businesses has been narrowed down to 5, and the fees are not officially disclosed

STICPAY is an online payment service similar to bitwallet, and deposit and withdrawal fees for participating brokers are free. Transaction processing is also fast, withTitan FXprocessing instantly andVantageprocessing within 24 business hours

However,as of August 2026,Vantage Trading,Titan FX,IS6FX,BigBoss, andINFINOXonly five companies—which previously supportedAXIORYSTICPAY, no longer lists it on its official deposit and withdrawal list.

One more point to be aware of before usingSTICPAY is that their fees are not publicly available on their official website. Their Japanese website doesn't have a page listing fees, and you need to check the costs of bank withdrawals within your account. This is a disadvantage if you want to know the total cost beforehand.

Cryptocurrency | Fast reflection, but subject to price fluctuations and external costs

Cryptocurrency deposits and withdrawals primarily use USDT (Tether), but also include BTC, ETH, and USDC.The biggest advantage is that processing is not affected by bank business hours, and transactions proceed even on weekends. Deposits are reflected quickly:IS6FXwithin 30 minutes,MONAXAin as little as 15 minutes, andDupoininstantly to 10 minutes. Withdrawals are also fast,HFMwithin 24 hours andMONAXAup to 24 hours.

There are three points to note. First,even if the broker offers free services, blockchain network fees will be charged separately. The fee levels differ between ERC20 and TRC20, and they fluctuate depending on network congestion. MYFX Markets officially states that "for cryptocurrencies, exchange fees and blockchain fees will be incurred."

The second factorthe cost of converting the received cryptocurrency into Japanese yen. This includes the fees for selling it at a domestic cryptocurrency exchange and withdrawing the funds in Japanese yen. The third factor isprice fluctuations; if the exchange rate moves during the transfer, the amount of yen you receive will also change.

Furthermore,Titan FXthat cryptocurrency withdrawalsare "processed after review by our company (up to 48 hours)," meaning that the speed of the withdrawal method does not necessarily translate directly to the speed of the funds being received.

International bank transfers | The most expensive option, and only useful in limited situations

International bank transfers involve sending money directly from a service provider's account to a Japanese bank account as an international transfer.Even if the service provider doesn't charge a fee, the receiving Japanese bank will actually deduct a fee.This is the biggest factor that drives up the total cost.

It also takes time.Titan FXandVantage2-5 business days,AXIORY3-20 business days, andIC Markets"can take up to 14 days." In addition, fees are deducted each time the transaction goes through an intermediary bank, so the amount you receive may be less than expected.

If you have no choice but to use an international bank transfer,the amount can vary significantly depending on how you receive it. At Mitsubishi UFJ Bank, receiving a yen-denominated transfer in a yen account incurs an incoming transfer handling fee of approximately $9.38 in addition to a yen exchange handling fee (0.050% of the transfer amount, minimum approximately $15.63). However,receiving a foreign currency-denominated transfer in a foreign currency accountis free of charge. Sumishin SBI Net Bank also charges a flat fee of approximately $21.88 regardless of the amount when receiving in Japanese yen, but it is free if you receive 50,000 units or more of US dollars or other currencies at once.

Please noteAXIORYhas temporarily suspended deposits via international bank transfer(withdrawals are still possible). International bank transfers may be suspended due to circumstances on the provider's end, so please check the service status on your member page before using it.

How much will be deducted if I withdraw approximately $625.00? Actual deductions by withdrawal method

The withdrawal cost for overseas forex trading isn't determined solely by the broker's withdrawal fee. In reality,three stages: ① the broker, ② the wallet/intermediary bank, and ③ the receiving bank.The total amount can vary by several thousand yen depending on which route the funds go through. Here, we'll compare the actual fees for each route in the case of withdrawing approximately $625.00.

All amounts are calculated based on the terms and conditions posted on each company's official website as of August 27, 2026. Amounts in US dollars are converted using an exchange rate of 1 US dollar = approximately $0.99. Since exchange rates and each company's terms and conditions are subject to change, please be sure to check the latest terms and conditions on your member page before proceeding

Withdrawal route	① Contractor	② Wallet and intermediary bank	③ Receiving bank	Total estimate
Domestic bank transfers (withdrawal fees are free)	approx. $0.00	－	approx. $0.00	approx. $0.00
Domestic bank transfers (with a fixed withdrawal fee)	approx. $12.50	－	approx. $0.00	approx. $12.50
Domestic bank transfer (if the number of transfers exceeds the limit)	Approximately $28.13 *IS6FXpayments from the second payment onwards per month, and for amounts under approximately $1,250.	－	approx. $0.00	approx. $28.13
via bitwallet	Approximately $0.00 *All participating service providers offer free service.	Equivalent to 10 USD (approximately $9.94) + bank transfer fees and intermediary bank fees	approx. $0.00	Approximately $9.94
Via cryptocurrency (USDT, etc.)	Approximately $0.00 *Some providers charge a fee under certain conditions.	Blockchain network fees + Japanese yen withdrawal fees from domestic exchanges	approx. $0.00	Fluctuates due to network congestion.
Receive a bank transfer in Japanese yen (Mitsubishi UFJ Bank)	approx. $0.00	Intermediary bank fees	Incoming remittance handling fee: approx. $9.38 + yen exchange handling fee (0.050% of the remittance amount, minimum approx. $15.63)	Approximately $25.00
international bank transfers in Japanese yen (Sumishin SBI Net Bank)	approx. $0.00	Intermediary bank fees	approx. $21.88 *Fixed price regardless of amount	Approximately $21.88
international bank transfers (Rakuten Bank)	approx. $0.00	Intermediary bank fees	approx. $15.31	Approximately $15.31
Receiving foreign currency-denominated international bank transfers in a foreign currency account (Mitsubishi UFJ Bank)	approx. $0.00	Intermediary bank fees	free	Intermediary bank fees only

Three things we can learn from this table

Firstly, domestic bank transfers are generally the cheapest option.With domestic bank transfers for overseas forex trading, the broker transfers the funds from an account of a domestic payment processing company, so there are no "receiving fees" for international transfers. If the broker does not charge withdrawal fees, the withdrawal cost of approximately $625.00 becomes literally approximately $0.00.

The second reason is that international bank transfers are the most expensive.Even if the service provider advertises "no withdrawal fees," the receiving Japanese bank will deduct approximately $15.31 to $25.00. Furthermore, intermediary bank fees will be added, so the actual amount received may be even less.Vantage's official website also clearly states that "international bank transfers generally cost around USD 20."

The third point is that even with the same international bank transfer, the amount varies depending on how you receive it.In the case of Mitsubishi UFJ Bank, receiving a yen-denominated transfer in a yen account costs at least approximately $25.00, but receiving a foreign currency-denominated transfer in a foreign currency account is free of charge. Sumishin SBI Net Bank also charges a flat rate of approximately $21.88 if you receive it in Japanese yen, but it is free if you receive more than 50,000 units of US dollars or other currencies. If you have no choice but to use international bank transfers, it is advantageous to have a foreign currency account and receive the money in foreign currency.

How to Choose Deposit and Withdrawal Methods for Overseas Forex Trading Based on Your Purpose

Even if you understand the conditions for each method, it's meaningless if you can't decide "which one to choose in the end." Here, we will specifically list the methods you should choose and the companies that meet those conditions, based on the points you should prioritize. All of this information is based on the conditions published on each company's official website as of August 2026

Points to emphasize	The method to choose	Companies that meet the requirements (as stated on their official website)
I want to receive it as soon as possible.	Domestic bank transfer or e-wallet	MONAXA(instant processing for both domestic online banking and e-wallets) /Dupoin(maximum 2 hours for both bank transfers and cryptocurrencies, business days only) /Titan FX(instant processing for bitwallet and STICPAY) /HFM(instant processing for bitwallet and BXONE)
I don't want to pay even approximately $0.01 in fees	Domestic bank transfer	HFM/ XS.com /Vantage Trading /EBC Financial Group/Titan FX/ThreeTrader/IC Markets(All brokers offer free withdrawal fees)
small amounts frequently.	Domestic bank transfer (only for free transfer providers)	The above brokers offer free withdrawals.AXIORY(approximately $6.25 for amounts under approximately $125.00),IS6FX(2% from the second withdrawal onwards per month),JadeFOREX(charges apply from the fourth withdrawal onwards per month), and MYFX Markets (approximately $12.50 per application) are not suitable for small, frequent withdrawals.
I want to withdraw a large sum of money at once	Domestic bank transfer	XS.com (unlimited withdrawal limits for bank transfers) /Titan FX(domestic bank transfer deposit limit approx. $62,500/transaction). For brokers like MYFX Marketsthat charge a fee for each request, it is more advantageous to withdraw in bulk.
I use multiple vendors.	bitwallet	Vantage Trading /Titan FX/HFM/ThreeTrader/ MYFX Markets (brokers that maintain bitwallet support). Fund transfers between brokers can be completed within the wallet
The only option is international bank transfer.	Receive in foreign currency into a foreign currency account	Mitsubishi UFJ Bank offers free foreign currency deposits into foreign currency accounts (a minimum fee of approximately $25.00 applies for yen-denominated deposits into yen accounts). Sumishin SBI Net Bank offers free deposits of 50,000 units or more of US dollars, etc. (a flat fee of approximately $21.88 applies for Japanese yen deposits)

Some brokers charge a fee for withdrawals even after a deposit has been made

Aside from the choice of method, there is a condition that many users tend to overlook:if you try to withdraw funds without using them for trading, you will be charged a fee that is not normally charged. Several brokers clearly state this on their official websites.

Contractor	Conditions listed on the official website
Titan FX	If you withdraw funds without making any trades, a 4% withdrawal fee may be charged (applies to all methods)
IS6FX	If you withdraw funds without making any trades, a fee of 45 USD (approximately $28.13) will be charged
IC Markets	Funds in a trading account are for trading purposes only, and if the deposit is not used for trading, a processing fee may be applied to withdrawals
Vantage Trading	If you deposit funds using an e-wallet or credit card and then request a withdrawal without conducting any (or very few) transactions, we reserve the right to charge the payment processing company's fees and any handling fees at their discretion

These rules are in place to prevent the use of the payment system solely for deposits and withdrawals. This may apply to cases such as receiving only a deposit bonus and then withdrawing the funds, or opening an account but never actually trading. If you are returning funds without trading, it is safest to check the conditions in advance on the member page or through support

Six rules for deposits and withdrawals in overseas forex trading

All overseas forex brokers have deposit and withdrawal rules in place based on anti-money laundering (AML) measures

Most problems with deposits and withdrawalsare not due to issues with the service provider, but rather a lack of understanding of these rules. Make sure you understand all six points before applying.

rule	Content
① Only accounts under the same name	Only bank accounts, cards, and wallets in the same name as your trading account can be used. Accounts in the names of family members are not permitted
② Withdraw the deposited amount using the same method	The deposit amount will be returned to the method used for the deposit, up to the same amount as the deposit (to prevent money laundering)
③ Card payments take priority	If you have made payments using multiple methods, the refund process for card payments will be processed first
④ Profits will be distributed by the specified means	Profits exceeding the deposit amount will be withdrawn via other means, such as domestic bank transfer, by most brokers
⑤ The bonus will be forfeited upon withdrawal	Credits (bonuses) disappear upon withdrawal. Exercise caution while holding positions
⑥ Bank transfers must be made through the member page each time	The recipient's bank account changes each time, so if you transfer to the previous account, the funds will not be received

① Only methods under the same name as the trading account can be used

For deposits and withdrawals in overseas forex trading,the name on the bank account, card, or wallet used for the transfer must match the name on the trading account.

You cannot use a third-party name for money transfers.Using a family member's credit card or requesting a withdrawal to an account in your spouse's name will result in rejection. Accounts registered under your maiden name may also be suspended if they do not match your identification documents.

② Withdraw the deposited funds to the same method used for the deposit

Many overseas forex brokers have a rule that " withdrawals must be made using the same method as the deposit ."

This is a common practice adopted by financially licensed businesses from an anti-money laundering (AML) perspective, aimed at preventing the concealment of the origin of funds obtained through criminal activities

For example, in an account where approximately $625.00 was deposited via credit card and the balance including profits is approximately $937.50,the process would first be to refund approximately $625.00 to the card used for the deposit, and then withdraw the remaining approximately $312.50 using another method.

③ If you have made a deposit using multiple methods, the card deposit will take priority

For accounts using multiple deposit methods,withdrawals (refunds) made via credit cardwill be given top priority.

If you have previously made deposits using a credit card, even if you make a profit by depositing funds through another method after the balance has fallen to approximately $0.00, you may first be required to have the credit card deposit refunded. Some brokers specify the applicable period;AXIORYto the card, up to the amount deposited during that period."officially states that "if a deposit was made using a credit/debit card within the last 10 months, withdrawals will be prioritized

④ For domestic bank transfers, the recipient account will be the payment processing company's account

When using domestic bank transfers for deposits and withdrawals in overseas forex trading, the name of the recipient and the remitter will be that of the payment processing company (collection agent)

Direct transfers are never made in the name of the overseas forex broker.AXIORY's official website explains that the transfer destination is "our payment system and the payment company's bank," andBigBoss's official FAQ also states that deposits are made to "the account of the payment processing service we use." Therefore, when withdrawing funds, the statement will show the name of the payment processing company, not the overseas forex broker. There is no need to panic if the transfer appears to be in a name different from the broker's name.

⑤ If you withdraw funds, the bonus (credit) will disappear

Credits received as deposit bonuses or account opening bonuseswill be forfeited upon withdrawal.varies depending on the broker; some forfeit the entire amount, while others forfeit it proportionally based on the withdrawal amount. Please check each company's bonus terms and conditions before making a withdrawal.

Since credit can be used as margin,withdrawing funds while holding a position will cause the credit to disappear, lowering the margin maintenance ratio and potentially leading to a forced liquidation.

It is recommended to withdraw funds from an account that has a bonus after closing all positions and accumulating a substantial profit

The bonus conditions of each company are explained in detail in our comparison of overseas forex bonuses

⑥ Bank transfers must be processed through the member page each time

When making a deposit via bank transfer,do not simply transfer the money to the account previously provided.

the bank account details of payment processing companieschange frequently. If you transfer funds to an old account, the money may not be received, or it may take a long time for the funds to be reversed.

When making a deposit via bank transfer,always make sure to initiate the deposit process through the overseas forex broker's member page and transfer the funds to the account displayed at that time.

The legal reforms that will come into effect in June 2026 are changing the way deposits and withdrawals work

There are some regulatory changes you should be aware of when choosing deposit and withdrawal methods, starting in 2026.On June 1, 2026, the revised Payment Services Act came into effect, and certain cross-border payment collection services will now be classified as "foreign exchange transactions." Since domestic bank transfers for overseas forex trading go through payment collection service providers, this revision is not unrelated to the changes.

What has changed?

Until now, "payment collection services" were generally not considered foreign exchange transactions and were therefore exempt from registration as a money transfer business. With this revision,certain cross-border payment collection services will now be considered foreign exchange transactions and will be subject to the regulations of the money transfer business. The Financial Services Agency cites the need to address risks related to money laundering, terrorist financing, and consumer protection as the reasons for this change.

at that time	Content
June 13, 2025	Revised law (Act No. 66 of 2020) promulgated
May 19th and 22nd, 2026	Related Cabinet Orders and Cabinet Office Ordinances are decided and promulgated by the Cabinet
June 1, 2026	The amended law and related cabinet orders and ordinances have come into effect
November 30, 2026	The transitional periodis six months from the effective date. Businesses that apply for registration by this date may continue to operate.

The important point isthis regulation also applies to overseas businesses. In its response to public comments, the Financial Services Agency clearly stated that "even if a business is located overseas, the application of Article 2-2 of the Payment Services Act is not denied" and "being a business located overseas does not mean that it is exempt from the application of the Payment Services Act."

Furthermore, transitional measures are in place for businesses that are already conducting the relevant business at the time of enforcement. According to Article 2 of the supplementary provisions of the amended law,they can continue their business without registration for six months from the enforcement date, and if they apply for registration within that period, they can continue their business thereafter. Since the enforcement date is June 1, 2026, these six months will have passed by November 30, 2026.

What is actually happening on the contractor's side

After reviewing the official websites of 21 companies for this article, we found the following changes as of August 2026

• AXIORY: bitwallet, STICPAY, and Curfex have been removed from the official deposit and withdrawal list, and Walletory has been added in their place. International bank transfer deposits are currently suspended.
• BigBoss: Has stopped depositing and withdrawing via bitwallet; BXONE is now the primary official withdrawal method.
• XMTrading,FXGT, MiltonMarkets: The fee schedules for each method have disappeared from their official websites and are now instructed to "check on the member page."
• HFM: The Japanese official website is currently redirecting to the English version.

However,none of the companies have provided explanations for these changes on their official websites. While the timing coincides with the regulatory changes, please note that we have not been able to confirm that the changes are due to the legal revisions. This article separates the facts regarding the regulations from the actual practices of the companies as confirmed on their official websites.

Is it true that bank accounts will be frozen due to regulations?

Regarding this amendment, you may come across information suggesting that "bank accounts used for deposits and withdrawals in overseas forex trading will be frozen." However, upon reviewing the details of the system, it appears thatthis amendment regulates businesses that handle payment collection, and is not a system that will freeze users' bank accounts. The Financial Services Agency's response to public comments (51 pages in total) also contains no mention of freezing users' accounts. What is required is that the relevant businesses register as money transfer businesses.

However, separately from this,banks have always been able to inquire about deposit and withdrawal details or restrict transactions at their own discretion. This is part of the verification work required of financial institutions as an anti-money laundering measure, and is not something new that began with this amendment. If you are concerned, the best course of action is to follow basic procedures such as ensuring that the name on the account matches and correctly declaring the purpose of the transfer.

What should users do?

While users cannot influence the future of the system, there are things they can do to prepare

• Ensure you have multiple methods for depositing and withdrawing funds. It's safer to have alternative routes, such as cryptocurrency, in addition to domestic bank transfers, so that you can still move funds even if one method becomes unavailable.
• Don't leave funds you don't plan to use in your account. It's better to withdraw funds you don't intend to use for trading regularly to reduce risk.
• Before making a deposit or withdrawal, check the availability on the member page. The member page more accurately reflects the actual availability than the information on the official website.

How to handle situations when you cannot withdraw funds or when withdrawing large amounts of money

Aside from the choice of withdrawal method, there are cases where "the withdrawal request is not approved in the first place" or "the amount is large and causes anxiety." Since the causes and solutions for both are different, let's just summarize the key points

Things to check first when your withdrawal request is rejected

If a withdrawal is not processed, it is often not due to a problem on the provider's end, butbecause the procedural requirements have not been met. In our review of the 21 companies' websites, the following conditions were consistently stipulated:

• Have you completed identity verification?(JadeFOREXrequires three documents: ID, proof of address, and a selfie; Rakuten Bank requires your My Number.)
• Is the withdrawal destination in your name?(All 21 companies prohibit deposits and withdrawals in the name of a third party.Vantageexplicitly states that violations may result in rollback of settlements, forced liquidation of positions, invalidation of profits, and freezing of accounts.)
• Have you met the margin maintenance ratio requirements?(EBC requires a margin maintenance ratio of over 200% after withdrawal, XMTrading requires 100%, andIS6FXdoes not allow withdrawal requests while positions are open.)
• Are you attempting to withdraw funds using the same method as the deposit?(For deposits made via card, refunds to the card take priority.)

If checking these points doesn't resolve the issue, we'll explain in detail how to troubleshoot the cause and what to do if your withdrawal is actually rejected in our article "Causes and Solutions for Withdrawal Rejections in Overseas Forex Trading." We also explain tax filing and tax treatment, so please check that article if you are facing withdrawal problems.

Things to know when withdrawing large amounts of money

Some brokers handle large withdrawals differently than usual.BigBossofficially states that withdrawal requests exceeding $50,000 (approximately $31,250) may take longer than usual, andstatesVantagethat a single withdrawal request may be split into multiple transfers. Many brokers also explicitly state that they may request additional documentation regarding the source of funds.

Withdrawal limits vary by broker, andXS.com offers unlimited withdrawals via bank transfer. For advice on choosing a broker if you anticipate withdrawing hundreds of millions of yen, and for feedback from users who have actually made large withdrawals, please refer toour list of overseas forex brokers that allow withdrawals of hundreds of millions of yen, wherewe have individually investigated each broker that supports this.

Frequently Asked Questions about Deposits and Withdrawals in Overseas Forex Transactions

How long does it take to withdraw funds from an overseas forex broker?

The processing time varies depending on the method and the broker. For domestic bank transfers,MONAXAis instant,Dupointakes up to 2 hours (business days only),AXIORY,IS6FX, andThreeTradertake 1-3 business days,Titan FXtakes 2-3 business days,BigBossandJadeFOREXtake 2-5 business days,DecodeFXtakes 3-7 business days, according to official guidelines. Many e-wallets such as bitwallet and STICPAY are processed instantly, while international bank transfers can take up to 14 days withIC Markets

What is the fastest way to withdraw funds from an overseas forex broker?

Electronic wallets (such as bitwallet, STICPAY, and BXONE) are the fastest,Titan FXandHFMboth offering instant processing. Among domestic bank transfers,MONAXAis instant, whileDupoinstands out with a maximum processing time of 2 hours. However, with electronic wallets, an additional step of withdrawing the funds to a bank is required after the funds arrive in the wallet, soin terms of the total time until you can cash out, domestic bank transfers may sometimes be faster.

Which bank is recommended for withdrawing funds from overseas forex trading?

When withdrawing money via domestic bank transfer, it is processed as a domestic transfer, so there are generally no fees for the recipient regardless of which bank is used. It is worthwhile to consider recommended bankswhen receiving money via overseas bank transfer (international transfer). Mitsubishi UFJ Bank charges an incoming transfer handling fee of approximately $9.38 plus a yen exchange handling fee (0.050% of the transfer amount, minimum approximately $15.63) when receiving yen-denominated money in a yen account, but it is free if you receive foreign currency-denominated money in a foreign currency account. Sumishin SBI Net Bank charges a flat rate of approximately $21.88 for Japanese yen, and is free if you receive 50,000 units or more of US dollars, etc. Rakuten Bank charges approximately $15.31.Having an account that can receive money in foreign currency will help reduce overall costs.

Are there any fees for bank transfers when trading overseas forex?

Many brokers offer free withdrawals, withHFM, XS.com,Vantage Trading, EBC,Titan FX,ThreeTrader, andIC Marketsall offering free withdrawals via domestic bank transfer. However,AXIORYcharges approximately $6.25 for withdrawals under approximately $125.00, MYFX Markets charges approximately $12.50 per request,BigBosscharges approximately $12.50 (free for loyalty status of Advanced or higher), andIS6FXcharges 2% of the withdrawal amount from the second withdrawal onwards each month.For international bank transfers, an additional fee of approximately $15.31 to approximately $25.00 will be charged by the receiving Japanese bank.

What is the minimum deposit amount for overseas forex trading?

The minimum deposit amount varies depending on the broker and method. For domestic bank transfers,IS6FX,ThreeTrader, andJadeFOREXcharge approximately $6.25,AXIORYcharges approximately $6.88,HFMcharges approximately $6.25 (approximately $4.69 for card payments), andTitan FXcharges approximately $31.25. MYFX Markets has no minimum deposit requirement,DecodeFXrequires a minimum of $100.ThreeTraderapproximately $62.50, so it's best to check before opening an account.

Which overseas forex brokers accept STICPAY?

As of August 2026,Vantage Trading,Titan FX,IS6FX,BigBoss, andINFINOXthe following five companiespreviously supportedAXIORYSTICPAY, no longer lists it on its official deposit and withdrawal list. Note that STICPAY's fees are not listed on their official website and must be checked within your account.

Can I withdraw funds using a different method than the one I used to deposit them?

In principle, this is not possible. As an anti-money laundering measure, almost all companies haveTitan FXthat "In accordance with AML regulations, withdrawals up to the deposit amount will be made to the method or account used by the customer for the deposit," andVantagestates that "withdrawals will only be processed to the same account from which the deposit was made." However, a rule that refunds up to the deposit amount to the method used for the deposit . officially states profits exceeding the deposit amount cannot be received by card, so other methods such as bank transfer will be used.

Is it possible to withdraw only the deposited amount without making any trades?

While it is technically possible to withdraw funds without trading,you may be charged fees that are not normally incurred.Titan FXa 4% fee for withdrawals made without trading, andIS6FXcharges 45 USD (approximately $28.13) for withdrawals made without any trading.IC Marketsthat "a processing fee may be applied to withdrawals if the deposit has not been used for trading," andVantagereserves the right to charge payment processor fees and discretionary handling fees if a withdrawal is requested without trading (or with little to no trading). Be especially careful if you are opening an account solely for the purpose of receiving a deposit bonus.

Will I have to pay taxes when I withdraw money?

The act of withdrawing funds itself is not taxed. Profits from overseas forex trading are taxed at the time of settlement, so even if the funds remain in the account, if the profits have been realized, they are subject to reporting. For details on whether or not you need to file a tax return and how to calculate it, please refer to our article "Reasons for and Solutions to Withdrawal Rejections in Overseas Forex Trading | Taxes and Tax Filing Explained ."

Summary | The total cost of deposits and withdrawals depends on the "method of transaction" chosen

After reviewing the official websites of 21 companies, I've concluded thatthe deposit and withdrawal costs for overseas forex trading depend less on the quality of the broker and more on the methods and procedures used. Let me summarize the key points.

• The basic method is domestic bank transfer. Since it is processed as a domestic transfer, there are no fees on the receiving bank's side, and if you choose a compatible service provider, the withdrawal cost of approximately $625.00 becomes approximately $0.00.
• International bank transfers should be your last resort. Even if the transfer is free for the service provider, the receiving bank will incur a fee of approximately $15.31 to $25.00. If you do use it, receive the foreign currency in a foreign currency account.
• Check how fees are charged. Fees vary by broker: some are based on the amount (AXIORY), others on the number of transactions (IS6FX/JadeFOREX), and some are charged per application (MYFX Markets). Choose a broker that suits your withdrawal method.
• The availability of payment methods is changing. While the number of providers supporting bitwallet and STICPAY is decreasing, the number of providers supporting BXONE, Walletory, and Binance Pay is increasing. Don't make judgments based on information from several years ago.
• Some brokers charge a fee for withdrawals without making any trades. Using a broker solely to take advantage of deposit bonuses can actually end up being more expensive.

However, no matter how much you minimize withdrawal fees,the spreads and fees you paid on the trades themselves will not be refunded. When you open an account through MoneyChat, you will receive cashback with every trade, which will accumulate on your MoneyChat My Page.Since the cashback is managed separately from your broker's account balance, it will not affect the broker's withdrawal conditions or rules in any way.

The procedure for withdrawing the cashback you received is explained with images in MoneyChat's withdrawal procedure . If you are using it for the first time, please check it along with the account opening procedure with the broker

Please note that the fees and processing times listed in this article are based on information published on each company's official website as of August 27, 2026.Deposit and withdrawal conditions are subject to change at the discretion of the service provider and bank, so please be sure to check the latest conditions on your member page before actually proceeding.