Plus500 has been one of the best CFD brokers globally since 2008. The broker offers a wide range of online CFDs on forex, shares, commodities, and more!
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The best brokers and trading platforms in the UK often allow users to transact using multiple payment methods. Among the options are credit cards, which are known to be efficient and affordable. Today, we explore the best trading brokers accepting credit cards in the UK. So, if you have been searching for a suitable broker supporting credit card transactions, you are in the right place. Our guide also sheds light on how to choose the best broker, how credit cards work in trading, and more.
Best Brokers That Accept Credit Cards 2025
Plus500* – Cheapest Broker That Accepts Credit Cards
FxPro – Best Spread Betting Broker That Accepts Credit Cards
Compare Trading Brokers that Accept Credit Cards in the UK
We are professional traders and researchers with decades of experience in the financial landscape. This means that all brokers we recommend here have undergone thorough research. We conducted multiple tests and comparisons on them, considering various elements such as fees, licences, payment methods, support services, and more. We also included findings from user testimonials on Google Play, the App Store, and Trustpilot. Our goal is to remain unbiased in making recommendations. We want every reader to find their best match for trading.
That being said, see our comparison table below highlighting major elements regarding our credit card brokers. You can compare the brokers based on these features for informed choices.
Credit/Debit Cards, Bank Transfer, Skrill, Neteller, PayPal
No
Yes (up to £85,000)
Brief Overview of Our Recommended Credit Cards Brokers’ Fees and Assets
There are many credit card brokers in the UK market today. However, the best for you should have features aligning with your trading requirements. Some of the crucial elements to never overlook are brokers’ fees and assets. This makes it easier for you to plan and budget, thus ensuring comfort and an exciting experience.
See our table, which provides a brief overview of our recommended credit card brokers’ fees and assets.
Our Opinion & Overview of the Best Credit Cards Brokers UK
As mentioned earlier, we conducted multiple tests on as many credit card brokers in the UK as possible. Below are our opinions and overview of these trading platforms based on our hands-on experience. We share both the strengths and weaknesses we believe come with these credit card brokers. This is so you can make the best decisions that align with your trading requirements and goals.
1. Plus500 - Cheapest Broker That Accepts Credit Cards
*Illustrative prices
We tested hundreds of credit card brokers in the UK, and Plus500 stood out as the cheapest overall. With a mere £100 minimum deposit requirement and free transactions, we easily budgeted and planned our activities. Plus, all trades are commission-free, with low spreads from 0.0 pips on major currency pairs. Plus500 also lists an additional 2,800+ CFD assets, including shares, indices, commodities, options, ETFs, and more.
Besides credit cards, we discovered that this broker supports other payment methods like debit cards, PayPal, bank transfers, Apple Pay, Trustly, and more. Beginners can get started on its risk-free demo account, which, from our experience, is user-friendly and loaded with quality learning materials. For experts, this broker has your back with its “Professional Trading” section. Here, you will enjoy advanced resources and high leverage limits. Additionally, Plus500 offers reliable and responsive support service and a small FAQ section for commonly asked questions. From our exploration, we give it a 4.5-star rating.
1
Plus500 Review
TradingGuides Rating:
✔ Educational materials
✔ Regulated in many countries
Free transactions using credit cards and other featured payment methods
Reliable and responsive 24/7 support service via phone, email, and live chat
Cons
Inactivity fee applies after 3 months of the account’s dormancy
Features a single proprietary platform, thus inconveniencing users looking for third-party platforms like MT4
Type
Fee
Overnight Funding
yes
Currency Conversion Fee
0.7%
Guaranteed Stop Order
spread applies
Inactivity Fee
$10 per month
Withdrawls/Deposits
$0
Plus500 provides access to 2800+ CFDs across a wide range of different asset classes, including: Indices – Country and Sector, Forex, Commodities, Individual shares, ETFs, Options
Risk Warning: 76% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you can afford to take the high risk of losing your money.
2. FxPro - Best Spread Betting Broker That Accepts Credit Cards
From our extensive research on credit card brokers in the UK, FxPro unquestionably stands out as the best for spread betting. The platform’s user-friendly design and straightforward account opening procedure ensure a seamless experience for spread bettors of all levels. With a commendably low £100 minimum deposit, FxPro caters to a broad spectrum of users. However, the broker recommends a £1,000 minimum deposit for those seeking optimal trading conditions.
Credit card deposits are processed within 10 minutes, while withdrawals take up to 1 working day. The best part is that users incur no deposit or withdrawal fees when they invest with a credit card. This makes FxPro the epitome of accessibility and transparency in spread betting. The broker also supports other payment options, including debit cards, broker-to-broker, bank transfers, and more.
We also discovered that FxPro lists over 2,100 spread betting securities. All these assets are accessible through FxPro Web, cTrader, MT4, and MT5 platforms. It ensures a diverse and customisable trading environment. From our hands-on experience, FxPro deserves a 4.7-star rating.
A user-friendly and customisable spread betting platform
Lists over 2,100 spread betting securities, providing a diverse trading portfolio
Credit card deposits are processed within 10 minutes, offering swift fund availability for trading
No deposit or withdrawal fees when transacting with credit cards
Cons
Withdrawals take up to 1 working day, which may take longer than some competitors
Five days a week support service
Type
Fee
Minimum deposit
£100
Withdrawal fee
£0
Inactivity fee
£15 once + £5 monthly
FxPro offers traders a wide range of investment products, including 70 currency pairs, as well as over 2000 different stocks.
3. eToro - Beginner-Friendly
eToro is one of the easiest platforms to start trading with in the UK. It accepts credit cards alongside PayPal, eToro Money, Neteller, Skrill, iDEAL, bank transfer, and Trustly for EU users, making deposits fast and convenient. UK clients can begin trading with a £50 minimum deposit, and all deposits are free, though withdrawals carry a £5 fee. You should also expect an inactivity fee of £10 should your account remain dormant for over 12 months.
Note that eToro lists over 7,000 CFD and investment instruments, covering forex, indices, commodities, cryptocurrencies, shares, ETFs, and more. Beginners can leverage CopyTrader to automatically mirror top investors, or explore Smart Portfolios for theme-based diversification.
Additionally, eToro provides a £100,000 virtually-funded demo account, a comprehensive education hub on its eToro Academy, and webinars to help traders learn while practising risk-free. Idle cash can earn up to 3.8% annual interest, paid monthly. The broker’s platform is user-friendly, and its social features allow users to learn from a global trading community.
1
eToro Review
TradingGuides Rating:
✔Copy/Social trading
✔Low minimum to fund an account and begin investing
Accepts credit cards and multiple alternative payment methods
Beginner-friendly with a £50 minimum deposit requirement
CopyTrader and Smart Portfolios simplify trading and diversification
7,000+ instruments across asset classes
Demo account, educational resources, and interest on cash
Cons
£5 withdrawal fee
£10 inactivity fee after 12 months
Types
Fee
Minimum Deposit
$50
Conversion Fee
depends on your payment method, currency, and eToro Club level.
Overnight Fee
vary according to the value and direction (BUY or SELL) of your position
Withdrawal Fee
all withdrawal requests are subject to a $5 USD fee
Inactivity Fee
monthly inactivity fee of $10 USD (charged after 12 months)
Stocks – there are more than 6000 stocks offered ranging from the biggest tech businesses in the U.S. to smaller companies from all over the world. Stock trading is always commission-free with eToro.
Cryptocurrencies – being one of the first brokers to jump on the cryptocurrency bandwagon, it comes as no surprise that eToro dominates this segment. With more than 20 coins and a number of cryptocurrency pairs, there is enough for all crypto traders.
Currency Pairs – in the early days, eToro was just another FX broker and even though they’ve developed since, the broker has stayed true to its roots. As a trader, you can choose between 56 currency pairs ranging from majors and minors to a few exotic ones.
Long-Term Investments– unlike many online brokers, eToro is also suitable for long-term investments. For example, their investment portfolios are a great way to diversify your portfolio and limit risk.
Additional assets – in addition to the above, eToro provides access to commodities, indices, and ETFs as CFDs. There is also a range of unique assets such as Crypto Portfolios that are only offered by eToro. This means that you can create a diverse portfolio with ease.
4. Pepperstone - Leading Provider For ETF Trading
For those looking to trade ETFs using a reliable broker that accepts credit card payments, Pepperstone is a reliable choice. During my experience, funding my account using a credit card was seamless and fast, with no extra deposit fees. We were also able to transact using additional payment methods, including bank transfers, Google Pay, Apple Pay, and more.
The broker offers more than 100 ETF CFDs across sectors such as technology, mining, energy, financials, bonds, and retail. You can also diversify your portfolio using an additional 2,700+ CFD and spread betting assets, including shares, forex, ETFs, commodities, and more. The best part is that ETF trading attracts a small commission of £0.02 per share, per trade. Overnight funding also applies if you keep positions overnight.
Note that there is no minimum deposit requirement at Peeperstone, meaning you can get started with any amount that you can afford. We like that users can hold their accounts in GBP, USD, EUR or CHF. With strong execution and advanced platforms like MT4, MT5, TradingView, and cTrader, Pepperstone becomes a competent ETF broker for both short-term traders and long-term sector rotation strategies.
1
Pepperstone Review
TradingGuides Rating:
✔ Top tier liquidity ✔ No dealing desk intervention
Lists 100+ ETF CFDs covering global sectors and regions
£0.02 commission per share with zero markups
Credit and debit card deposits are instant and free
Strong platform range for chart analysis and automation
No minimum deposit requirement to trade ETFs
Cons
No buying and taking ownership of listed securities
Overnight funding fees apply for multi-day positions
Type
Fee
Minimum Deposit
$0
Withdrawal fee
$0
Deposit fee
$0
Inactivity fee
No
Account fee
No
1200+ instruments across FX, indices, cryptocurrencies*, equities, energy and commodities, and more, across three, free powerful platforms.
*Only Pro clients get access to cryptos.
5. Spreadex - Top Option With Excellent Support Service
After comparing multiple brokers that accept credit card payments, Spreadex stood out as a reliable option for those looking for quality support service. The broker is well known for its award-winning 24/5 support, and in my own experience, the responses were quick, helpful, and never scripted. You can reach the team through email, live chat, or phone. We also like that this service is backed up by a comprehensive FAQ section to help you get quick answers to common questions.
For credit card deposits and withdrawals, Spreadex doesn’t impose any fee. This, together with its zero minimum deposit requirement and low spreads from 0.6 points on major currency pairs, makes it affordable to many. And besides credit cards, we were able to transact for free using bank wire, Apple Pay, and Google Pay.
On the trading side, Spreadex offers access to 10,000+ markets, including indices, shares, forex, commodities, and a selection of cryptocurrencies. The proprietary platform is fast, fully customisable, and packed with features such as advanced charting tools, one-click dealing, price alerts, and the ability to trade via charts. For those looking for advanced resources and social trading, Spreadex offers free access to the TradingView platform.
Reliable 24/5 support service via multiple channels
Lists over 10,000 CFD and spread betting assets
Fast platform with advanced charting and price alerts
No minimum deposit requirement for UK clients
Cons
No demo account
No physical purchasing of the listed securities
Type
Fee
Minimum deposit
Free
Overnight fee
Yes
Deposit fee
Free
Withdrawal fee
Free
Inactivity fee
Free
Currently, there are 60+ forex pairs on offer, 25+ commodity CFDs and 1000 index and stock CFDs.
6. IG Markets - Top Option for Cryptocurrency Investment
From my experience, IG Markets is one of the few UK brokers where credit card payments work smoothly. We could fund the account instantly, check my payment history, and withdraw funds without paying an extra fee. Being able to deposit as little as £10 makes it easy to scale in gradually, especially when markets move fast.
Crypto itself feels well supported. IG gives access to 35+ digital assets, covering Bitcoin, Ethereum, and smaller names like Curve and Ondo. Trading is available 24 hours a day, so users won’t be forced to wait for market hours to adjust positions. What reassures me is that all of this sits under a company with over 50 years of trading experience, which is rare in the crypto space.
The platform choice is another advantage. We could switch between IG’s mobile app, TradingView, L2 Dealer, ProRealTime, or MT4, depending on how deep we wanted to go with charting, alerts, automated strategies, or DMA for shares. IG also supports learning through IG Academy, trading calendars, signals, analytics, screeners and full market research. And for those looking to diversify their portfolios, over 15,000 additional securities are available to choose from.
1
IG Markets Review
TradingGuides Rating:
✔ Extensive range of offerings ✔ Leading broker with low fees
67% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you can afford to take the high risk of losing your money.
Multiple platforms, including TradingView, L2 Dealer and ProRealTime
No minimum deposit requirement for UK clients
Strong research tools and learning resources
Cons
Crypto list is smaller than specialist exchanges
Platform depth can feel advanced for new traders
Type
Fee
Minimum account
£0
Opening an account
£0
Overnight funding
yes (depends on market)
Withdrawal fee
£0
Inactivity fee
£18 monthly after 24 consecutive months of inactivity
Advanced graphs (ProRealTime)
£30 per months
Stocks– the majority of assets offered are stocks and there are a total of 11,000 international company shares to choose between. Trade everything from major UK and US corporations to penny stocks.
Forex – trade all the major, minor, and exotic currency pairs you want with a broker that has 45+ years of experience from the market. Also, enjoy competitive spread and fast execution.
Index – since IG’s main market is the stock market, it shouldn’t come as a surprise that it also offers a large variety of indices. Trade major North American, European, and Asian indices with a world leading online trading platform.
Commodities – you can also take positions on commodity futures and commodity spots. Trade precious metals such as silver and gold, food commodities such as coffee and corn, or energy commodities including natural gas.
Cryptocurrencies (not UK) – IG also offers cryptocurrency trading, although not in the UK due to local regulations that bans crypto trading.
7. XTB - Best for Stock Investments
When it comes to credit-card-friendly brokers that also offer a strong stock investing experience, XTB has been one of my most reliable choices. What stands out immediately is that you can fund your account quickly using a credit card, and deposits are processed almost instantly without added costs. Plus, the broker has no minimum deposit requirement, and you can get started with as little as £20.
For stock investing specifically, XTB gives you access to over 6,600 global shares across 14 major markets, including companies like Apple, Microsoft, NVIDIA and Tesla. You can buy stocks commission-free up to £100,000 monthly turnover, which is excellent value if you’re gradually building a diversified portfolio or topping up positions regularly. Anything above that threshold carries a simple 0.2% fee.
Besides stocks, XTB is home to over 1,800 investment ETFs. We also discovered additional CFD securities for portfolio diversification. These include forex, commodities, indices, and more, to trade at low spreads from 0.8 pips. And if you prefer a more structured approach, XTB’s Stocks and Shares ISA lets you invest in thousands of shares and ETFs. On top of that, the broker offers users an opportunity to earn up to 4.25% interest on uninvested funds.
1
XTB Review
TradingGuides Rating:
✔ Constantly improving trading platforms
✔ Wide range of global markets
Commission-free stock investing up to £100,000 monthly
ISA available with tax-free benefits
No minimum deposit requirement for UK clients
Cons
No third-party platforms
Does not support spread betting
Type
Fee
Opening an account
$0
Account type: Standard: spread
0.5
Account type: Swap Free: spread
0.7
Forex
From 0.1 pips
Stock CFDs commission
0%
ETF CFDs
0%
Crypto commission
From 0.22%
Monthly Fee for maintaining an Account
Free of charge or up to 10 EUR
Withdrawal fee
$0
Deposit fee
$0
The broker boasts a wide selection of tradable assets, consisting of 3,500+ instruments, including a range of global markets, such as forex, indices, commodities, ETFs, and others.
How to Choose the Right Trading Broker that Accepts Credit Cards in the UK
There are various factors to consider when choosing a broker that accepts credit cards in the UK. To ensure you make the best choice, we list below these elements as guidance.
The first and most crucial element to look for when choosing a credit card broker in the UK is safety. You want a broker that not only guarantees your funds’ safety but also offers a secure trading environment. So, confirm a broker’s regulatory status and ensure it is licensed and regulated by the Financial Conduct Authority (FCA). Remember, there are many fraudulent brokers looking for innocent traders to scam. Confirming this element will ensure you do not fall victim to such brokers and risk losing your hard-earned money.
Look for a broker that is user-friendly and offers an intuitive design platform. It must also host the best market analysis and educational tools. Having fast trade execution speed is a plus, as this ensures you quickly enter and exit trades without missing any opportunities.
Credit card brokers have varying trading and non-trading fees. As a trader, ensure you settle for the one you can afford. This will make it easier for you to plan your activities without digging deep into your nest egg. That being said, confirm a broker’s commissions/spreads, minimum deposit requirement, inactivity fee, overnight charges, and more.
As a beginner, it is advisable to start exploring the financial market using a broker’s demo account. This is the best platform to learn how to transact using the credit card payment method and explore various assets risk-free. Plus, demo accounts allow you to gauge your skill level and decide if you are ready to invest real cash. So, choose a credit card broker with a demo account.
Many traders in the UK will overlook this element when considering credit card brokers. However, it is essential in your research since you will be guaranteed the best support in case you experience any challenges or need clarifications. Your broker’s support service must be responsive and offer relevant solutions. The team must also be reachable across convenient channels, whether by phone, email, or live chat. Plus, check availability and ensure it aligns with your trading schedule.
Besides considering the above elements, analyse user comments and ratings for the best choices. Visit Google Play, the App Store, and Trustpilot and sample as many user comments and ratings as possible. This will give you enough insights into what each broker offers based on other users’ opinions.
How Credit Cards Work
Credit cards are physical payment cards people use to make purchases or send money to various merchants, such as online brokerage firms. They were first launched in 1958 by the Bank of America, and since then, credit cards have been among the most preferred payment methods globally. Today, millions of traders use credit cards to transact with their brokers, as it is efficient and affordable.
Note that credit cards are mostly issued by Visa and Mastercard. Holders are allowed to accrue debts that have to be repaid later. For instance, you can make deposits to your broker using credit cards and then pay your bank back at a later date. Of course, this comes with an added interest that you must be aware of.
Pros & Cons of Trading with Credit Cards
While payment methods have numerous benefits, they also have a few drawbacks. Credit cards are no exception. We list below the pros and cons of trading with credit cards so you can decide whether they are worth incorporating into your activities.
Pros
Transacting using credit cards is safe
Most global brokers accept credit cards for payments, thus encouraging flexibility whenever you travel out of the country
Credit card deposits and withdrawals are often free with online brokers
Credit cards come in various forms, including Visa, Mastercard, American Express, and more. This makes it easier for you to choose the one that best suits your interests
You can hold and transfer funds in many currencies, including USD, GBP, EUR, and more
Opportunity to earn rewards from banks such as discount and cashback deals
Cons
Conducting withdrawals using credit cards often takes long to process and complete
It is risky to make deposits with credit cards, as losses might leave you with debts to pay your card provider
Lengthy application process since your bank or card provider must determine eligibility using a credit checker
Some credit cards come with high interest rates on payments
Can you Invest with a Credit Card?
From our guide above, credit cards are convenient payment methods in online trading. Although your provider will require you to pay the funds used back with interest, brokers often do not charge fees for these transactions. Plus, you are guaranteed transactions anywhere. Fast deposits will also ensure you jump right into your trading or investment activities without wasting time.
As traders ourselves, we can advise you to embrace credit card payments as they will help you easily budget for your activities. Simply ensure the broker supporting this payment method is suitable for you to ensure an exciting experience.
FAQs
Can you fund a trading account with a credit card?
Yes. Brokers accept various funding methods, including credit cards.
Can you trade forex with a credit card?
Yes. Simply identify a forex broker that accepts credit cards and start trading.
What is a credit card broker?
This is a broker that accepts credit cards as a funding method.
Can you buy Bitcoins with a credit card?
Yes. However, you need a Bitcoin broker to purchase since it guarantees the safety of your funds.
Can I fund TD Ameritrade with a credit card?
No. Unfortunately, TD Ameritrade does not accept credit cards.
Conclusion
Trading with credit cards is flexible, and you can use them anywhere. Our best trading brokers that accept credit cards are trustworthy and fit straight into your needs. Therefore, if you are in search of a broker accepting credit cards, the above five should be your priority.
How we test?
Our test process is really based on two different aspects: our independent tests and research, as well as user reviews from Google Play, the App Store, and Trustpilot, etc.
The first thing we do when testing is to check every detail and test every tool and instrument. Our experts spend more than 200 hours on every article. We pay special attention to the specific function or the criteria that we’re comparing during the comparing stage. This means that we must determine which broker is more suited for beginners, and which is better suited for experts, for example.Find out more about our test process here.
Is a regular dad trying to be smart about how we play and win in this big game of life. He has worked within the very best of the financial industry producing numerous training resources. He is an experienced copywriter with immense financial background. Now earns a full time living as a Trader, and as our writer.
His articles help everyday families build sustainable wealth, stop stressing about their financial security, and start living the life they’ve always wanted.
If he is not trading or writing, he is at the gym.
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