Deposits
We make it simple, fast, and secure to fund your trading account using a variety of trusted payment methods, while your money remains protected in segregated accounts with tier-1 banks.
A range of secure funding methods
Enjoy safe and flexible account funding through your secure client area, whether you are on desktop or mobile.
| Payment method | Minimum deposit | Deposit fee | Deposit processing time* |
| Apple Pay | $10 | Free | Immediate |
| Google Pay | $10 | Free | Immediate |
| Debit/credit cards | $10 | Free | Immediate |
| PayPal | $10 | Free | Immediate |
| Domestic bank transfer | No minimum | Free | Up to 7 business days |
| Neteller | $10 | Free | Immediate |
| Skrill | $10 | Free | Immediate |
| BPAY | $10 | Free | Up to 1 business day |
| PAYID | $10 | Free | Immediate |
*Processing time refers to the period we require to complete internal processing and release funds from our client segregated accounts. This does not guarantee that funds will be credited to your account within 0-7 business days. The final settlement time is dependent on third-party institutions and can vary significantly. For example, banks may take up to 15 days to process transfers, while other methods might finalise within a few hours. If you have any questions regarding funding and withdrawals, do not hesitate to contact us.
Supported account currencies
| Standard account | USD, EUR, GBP, AUD, SGD, HKD |
| Razor account | USD, EUR, GBP, AUD, SGD, HKD |
How to fund your trading account
Log in
Go to your secure client area and tap 'deposit' on the account you want to fund. On mobile, log in, tap the profile icon (top right), and select 'deposit'. Not yet a client? Sign up below.
Select funding method
We offer a range of local and global funding options - choose the one you prefer.
Choose your amount
Enter the value you want to deposit or tap one of the default amounts.
Confirm your deposit
Tap 'confirm amount', follow the on-screen instructions and you'll be ready to trade.
How your money is protected
We ensure that every transaction is secured through robust safeguards we have in place.
Segregated client funds
We store all retail client funds separately from our own, with tier-one banks and can't use them for business activities.
Client compensation scheme
In the unlikely event of Pepperstone's liquidation, the segregated client money would be covered by the requirements under Corporations Act 2001 (Cth).
Account & data security
We use advanced security measures to keep your account, data, and funds safe, including encryption, 2FA authentication, and fraud detection.
Segregated client funds
We store all retail client funds separately from our own, with tier-one banks and can't use them for business activities.
Client compensation scheme
In the unlikely event of Pepperstone's liquidation, the segregated client money would be covered by the requirements under Corporations Act 2001 (Cth).
Account & data security
We use advanced security measures to keep your account, data, and funds safe, including encryption, 2FA authentication, and fraud detection.
Segregated client funds
We store all retail client funds separately from our own, with tier-one banks and can't use them for business activities.
Client compensation scheme
In the unlikely event of Pepperstone's liquidation, the segregated client money would be covered by the requirements under Corporations Act 2001 (Cth).
Account & data security
We use advanced security measures to keep your account, data, and funds safe, including encryption, 2FA authentication, and fraud detection.
Segregated client funds
We store all retail client funds separately from our own, with tier-one banks and can't use them for business activities.
Client compensation scheme
In the unlikely event of Pepperstone's liquidation, the segregated client money would be covered by the requirements under Corporations Act 2001 (Cth).
Account & data security
We use advanced security measures to keep your account, data, and funds safe, including encryption, 2FA authentication, and fraud detection.
Why open an account with Pepperstone?
Experience seamless, reliable funding with a broker you can trust.
Local and global flexibility
Fund in AUD or major international currencies.
Trusted global brand
We have 909,000 clients across 160 countries, and 10 global offices.¹
No internal fees
We do not charge any additional fees on deposits. ²
Regulated and secure
We operate under strict and ongoing regulatory oversight.
Local and global flexibility
Fund in AUD or major international currencies.
Trusted global brand
We have 909,000 clients across 160 countries, and 10 global offices.¹
No internal fees
We do not charge any additional fees on deposits. ²
Regulated and secure
We operate under strict and ongoing regulatory oversight.
We're certified by industry-leading data security bodies
Bank transfers
To ensure your deposit is processed without delay, you need to:
- Use a bank account registered in the same name as your Pepperstone account.
- Include the correct reference code when making your deposit.
- Enter all payment details accurately.
Third party payments
We cannot accept payments from third parties. Please ensure that all deposits into your trading account come from a bank account in your name.
Payments from joint bank accounts or debit/credit card accounts are allocated if the trading account holder is one of the account owners.
Broker to broker transfers
You may request to transfer funds to Pepperstone directly from other trusted brokers based in Australia. You just need to input our bank details, which you can find in your secure client area, and add your name/trading accounts as a reference.
FAQs
Pepperstone offers various secure and flexible funding methods. Please refer to the relevant section above for more information.
Pepperstone does not charge any deposit fees. However, your bank or payment provider may apply their own charges.
To check the currencies you can deposit in, please refer to the 'supported currencies' section above on the page.
There is no minimum deposit amount for domestic bank transfers. All other deposit methods require a minimum deposit of $10. There is no maximum deposit amount.
The main difference between funding your Pepperstone account via bank transfer vs card is the processing times. Card deposits arrive immediately, whereas domestic bank transfers take up to 7 business days.
There are a number of measures that we put in place to ensure that your funds are protected with Pepperstone:
- Your money is held in segregated accounts at regulated tier-1 banks.
- Your money is regularly assessed against our risk criteria.
- Your money and assets will never be merged with our own money and assets.
- We do not use retail client money for hedging trades with other counterparties.
- Your money and assets are protected from creditors in the unlikely event Pepperstone goes into liquidation.
To find out more about how we keep your funds and data safe, click here.
Yes, if you deposit via Apple Pay, Google Pay debit/credit card, Neteller, Skrill, PayPal or PAYID, your funds will arrive immediately.
Yes, you can fund your account using PayPal, Skrill and Neteller.
Depositing funds into your Pepperstone trading account is quick and secure.
- Log in to your account — if you don’t have one yet, you can sign up here.
- On desktop: Tap ‘deposit’ on the account you want to fund.
- On mobile: Tap the profile icon in the top-right corner and select ‘deposit’, then choose the trading account you want to fund.
- Choose your preferred funding method - including bank transfers, debit/credit cards, and other supported options – and enter the amount you wish to deposit.
- Once submitted, your deposit will be processed according to your chosen payment method. Follow the on-screen instructions to complete your payment.
Note: If your trading account uses a different currency, you’ll see the equivalent amount in that currency.
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Disclaimer
1 Data correct as of 1 March 2026.
2 Please note that your bank or payment provider may apply their own charges.