This article explains the withdrawal rules that apply to funds deposited using a credit card or debit card.
Funds deposited by card cannot be withdrawn for 60 days from the deposit date in accordance with our Anti-Money Laundering (AML) policy.
However, profits generated through trading may be withdrawn at any time via bank transfer, STICPAY, or cryptocurrency, even within the 60-day restriction period.
⚠️ Withdrawal Rules
・Funds deposited by credit card or debit card cannot be withdrawn for 60 days from the deposit date.
・Profits generated through trading may be withdrawn at any time, even within the 60-day restriction period.
・For 60 days from the deposit date, you must maintain a total balance across all of your FX accounts that is equal to or greater than the amount deposited by card.
・Therefore, even if you withdraw funds from an FX account that was not funded by card, an amount equivalent to your card deposit will remain subject to the 60-day withdrawal restriction.
・While a withdrawal request is being processed, you must also maintain a total balance across all of your FX accounts equal to or greater than the amount originally deposited by card.
・Once 60 days have passed from the deposit date, the amount originally deposited by card becomes available for withdrawal.
Please refer to the examples below.
Example 1: Withdrawing Only Trading Profits Within 60 Days
・Deposit JPY 10,000 using a credit card.
・Earn JPY 15,000 in trading profits, resulting in a total account balance of JPY 25,000.
・The JPY 15,000 profit can be withdrawn immediately via bank transfer, STICPAY, or cryptocurrency.
・The original JPY 10,000 card deposit can be withdrawn via bank transfer, STICPAY, or cryptocurrency after 60 days from the deposit date.
Example 2: Making a Bank Deposit After the Card Deposit Has Been Used
・Deposit JPY 10,000 using a credit card.
・Earn JPY 20,000 in trading profits, resulting in a total account balance of JPY 30,000.
・Withdraw the JPY 20,000 profit within 60 days, leaving only the original JPY 10,000 card deposit in your account.
・Trade using the remaining JPY 10,000, reducing the account balance to zero (or nearly zero).
・Make a new bank transfer deposit of JPY 10,000.
・This new JPY 10,000 bank deposit cannot be withdrawn until 60 days have passed from the date of the original card deposit. After that, it may be withdrawn via bank transfer, STICPAY, or cryptocurrency.
Example 3: Making a New Deposit into Another FX Account After a Card Deposit
・Deposit JPY 10,000 into Standard Account (1) using a credit card.
・Trade in Standard Account (1) until the account balance becomes zero.
・Deposit JPY 50,000 into Standard Account (2) via bank transfer.
・Earn JPY 100,000 in trading profits in Standard Account (2), resulting in a total balance of JPY 150,000.
・If 60 days have not yet passed since the card deposit into Standard Account (1), JPY 10,000 of the JPY 150,000 balance in Standard Account (2) will remain subject to the withdrawal restriction. Therefore, only JPY 140,000 will be available for withdrawal.
💡Frequently Asked Questions
Q. I already lost the funds I deposited by credit card through trading. Why can't I withdraw the funds I later deposited by bank transfer?
A. This is due to our Anti-Money Laundering (AML) policy.
When you make a deposit using a credit card or debit card, the withdrawal restriction applies not only to the FX account used for the card deposit, but to the combined balance of all FX accounts you hold.
Therefore, even if the balance in the account funded by card has been reduced to zero through trading, or you make a new deposit into another FX account via bank transfer or another deposit method, you must maintain a total balance across all of your FX accounts equal to the amount originally deposited by card until 60 days have passed from the original card deposit date.
This policy is designed to prevent card-funded deposits from being effectively replaced by funds deposited through another payment method and then withdrawn before the restriction period expires.
Q. Why is the 60-day withdrawal restriction applied to deposits made with a debit card?
A. The same withdrawal rules apply to all card payments processed through PayPal, regardless of whether a credit card or debit card is used.
Therefore, if you make a deposit using a debit card, an amount equivalent to your deposit will also be subject to the 60-day withdrawal restriction from the deposit date.
Q. Does the withdrawal restriction apply only to the FX account that received the card deposit?
A. No.
When you make a deposit using a credit card or debit card, the withdrawal restriction applies to all FX accounts you hold, not just the account that received the card deposit.
Therefore, even if you make a deposit into another FX account via bank transfer or another deposit method, an amount equivalent to your original card deposit cannot be withdrawn until 60 days have passed from the original card deposit date.
If you have any further questions, please feel free to contact our Support Team through our Contact Us page.