Our charges and fees

Find out about our charges and fees so you know exactly how much you are paying when you trade with us.

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Deposits and withdrawals

Depending on your method of deposit, you may be charged a fee by the sending bank for depositing and withdrawing funds into your OANDA Corporation trading account.

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Bank wire transfer

Your bank may charge a service fee for depositing funds into your account. Intermediary banks may also deduct fees, resulting in a smaller incoming amount.

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Debit card and ACH

It is possible that you may also be charged a service fee by your bank when you are depositing funds by debit card or by automated clearing house (ACH).

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Our financing fees

We apply a holding/duration charge or credit for positions kept open over time. These are calculated in relation to positions maintained continuously.

For deposits by debit card and ACH, we do not charge for your first withdrawal in a calendar month. All OANDA applied fees and company bank fees with a valid receipt are waived for premium clients.

Inactivity fees

You will be charged a monthly fee of 10 units of the currency in which your account is denominated when there are no open trades in your account for a period of at least 12 months. For example, if your account is in USD, you will be charged 10 USD. Your account will be charged until you either close your account, resume trading or the balance on your account is reduced to zero (inactive accounts will not incur a negative balance).

Accounts that have not been funded will not incur a negative balance. Inactivity fees are applied at the user level. This means that if you trade in your primary account or any of your sub-accounts, you will not be charged. Fees will only be taken from one sub-account each month so you will not be charged multiple fees in any one month.

If you have resumed trading after inactivity fees have been withdrawn, you can request a rebate up to three months worth of the inactivity fees based on how many months you have been charged. Find out how you can fund your account.

Frequently asked questions


How can I fund my OANDA trading account?

To initiate your first deposit into your OANDA trading account, simply log in to ‘manage funds’ using your OANDA account details. You can deposit funds using debit card, bank wire transfer and automated clearing house (ACH). Third-party deposits: to receive funds from a third party, you will first need to set up a joint account with that party. Select the “instantly add” option to expedite deposits via wire transfer and ACH. See our funding and withdrawals page for more information.


How can I withdraw my funds from my OANDA account?

You can withdraw funds from your OANDA account via debit card and bank wire transfer. Funds can be withdrawn by logging in to ‘manage funds’ using your OANDA Trade account details. Remember: withdrawals are subject to our hierarchy rule. If you have deposited funds using multiple methods, you must exhaust the total deposit amounts first by debit card, and then followed by bank wire transfer. Find out more about how you can withdraw funds from your account.


What are holding charges?

At OANDA we apply a holding/duration charge or holding/duration credit for positions you keep open over time. Our holding charges/credits are calculated in relation to positions maintained on a continuous basis rather than as a daily roll charge. Find out how financing is charged and paid into your account.


How are financing charges and credits calculated?

For FX pairs, where you open a long position, we identify an OANDA position maintenance ‘holding’ rate for each currency. We calculate a (lower) ‘holding’ rate on the long side of the pair and a (higher) ‘borrowing’ rate on the short side of that pair. We then calculate the net positive or negative differential rate.

  • The lower rate is calculated because it is notionally payable by us to you on the long side of the pair.
  • The higher rate is calculated because it is notionally payable to us by you on the short side of the pair.

Find out more about financing charges and credits.


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What are financing fees?

Financing fees can affect your cost of trading, so it's important to understand how financing works.

Standard and premium accounts

Our 2 accounts offer 2 pricing options and 24-hour support.

Depositing and withdrawing funds

It is simple and straightforward to deposit and withdraw funds to and from your account.