Best Brokers With Low Minimum Deposit 2026

Written By

Paul Holmes

Edited By

James Barra

Fact Checked By

Michael MacKenzie

Updated

Mar 2, 2026

Low deposit brokers offer an excellent entry point for beginners, casual traders, or anyone looking to test the financial markets without a hefty cash commitment.

Many trading platforms have lowered their starting deposits in recent years, so you’ve got even more options. Let’s dig into our list of the top brokers with low minimum deposits.

Best Brokers With The Lowest Minimum Deposit

Based on our hands-on tests, these are the 6 best brokers with the lowest minimum deposit requirements:

Your capital is at risk. Trade only with funds you can afford to lose.

Tested with a live trading account

Available in United States

Learn how we test brokers and why you can trust our ratings.

Why Are These The Best Brokers For Low Deposits?

Here is a quick summary of why we decided these are the top brokers for low entry requirements:

Interactive Brokers is the best broker with a low minimum deposit in 2026 - Interactive Brokers (IBKR) is a premier brokerage, providing access to 150 markets in 33 countries, along with a suite of comprehensive investment services. With over 40 years of experience, this Nasdaq-listed firm adheres to stringent regulations by the SEC, FCA, CIRO, and SFC, amongst others, and is one of the most trusted brokers for trading around the globe.
NinjaTrader - NinjaTrader is a US-headquartered and regulated brokerage that specializes in futures trading. There are three pricing plans to suit different needs and budgets, as well as ultra-low margins on popular contracts. The brand's award-winning charting software and trading platform also offers a high-degree of customization and superb technical analysis features.
OANDA US - OANDA is a popular brand offering exceptional execution, low deposit requirements and advanced charting and trading platform features. The top-rated brand has over 25 years of experience and is regulated by trusted agencies, including the NFA/CFTC. Around the clock support is available for short-term traders, alongside flexible contract sizes and automated trade executions.
Moomoo - Moomoo is an SEC-regulated app-based investment platform that offers a straightforward and affordable way to invest in Chinese, Hong Kong, Singaporean, Australian and US stocks, ETFs and other assets. Margin trading is available and the brand offers a zero-deposit account as well as several bonuses.
CEX.IO - CEX.IO is one-stop-shop for crypto investors where you can buy and sell popular digital tokens, speculate on prices with margin trading and earn rewards through staking. Since it launched in 2013, more than five million traders have deposited over $7.5 billion. CEX.IO is registered with the FinCEN in the US and the GFSC in the EU.
TradeUp - Established in 1986, TradeUp operates as a commission-free broker in the US offering trading for stocks, ETFs and options. Through its web platform and mobile app, clients can trade over 5,000 instruments with cash and margin options, while idle funds can earn interest.

Comparison Of Top Low Deposit Brokers

Find the right low starting deposit broker for you with our comparison of core features:

Comparison Of Top Low Deposit Brokers
Broker	Minimum Deposit	Minimum Trade	Deposit Methods
Interactive Brokers	$0	$100	ACH Transfer, Automated Customer Account Transfer Service, Cheque, Debit Card, TransferWise, Wire Transfer
NinjaTrader	$0	0.01 Lots	ACH Transfer, Cheque, Debit Card, Wire Transfer
OANDA US	$0	0.01 Lots	ACH Transfer, Debit Card, Mastercard, Visa, Wire Transfer
Moomoo	$0	$0	ACH Transfer, Wire Transfer
CEX.IO	$20	$1	Apple Pay, Bitcoin Payments, Credit Card, Debit Card, Google Pay, Mastercard, Neteller, PayPal, Skrill, Swift, Visa, Wire Transfer
TradeUp	$0.01	$1	ACH Transfer, Automated Customer Account Transfer Service, Credit Card, Debit Card, Wire Transfer

How Safe Are These Low Entry Brokers?

How reliable are the top brokers with minimal deposit requirements and how do they help safeguard your balance

How Safe Are These Low Entry Brokers?
Broker	Trust Rating	Guaranteed Stop Loss	Negative Balance Protection	Segregated Accounts
Interactive Brokers	4.5	✘	✔	✔
NinjaTrader	4.3	✘	✘	✔
OANDA US	4.5	✘	✘	✘
Moomoo	4.7	✘	✘	✔
CEX.IO	2.5	✘	✔	✔
TradeUp	3	✘	✘	✔

Brokers With A Budget-Friendly Entry Point Mobile Comparison

Are these brokers with a small starting deposit good for trading on mobile?

Brokers With A Budget-Friendly Entry Point Mobile Comparison
Broker	Mobile Apps	iOS Rating	Android Rating	Smart Watch App
Interactive Brokers	iOS & Android	4.3	4.5	✔
NinjaTrader	iOS & Android	3	3.2	✘
OANDA US	iOS & Android	4.7	3.7	✘
Moomoo	Yes (iOS & Android)	4.6	3.3	✘
CEX.IO	iOS & Android	4.6	3.1	✘
TradeUp	iOS & Android	3.9	4.2	✘

Are The Top Brokers With A Budget-Friendly Entry Point Brokers Good For Beginners?

Beginners should use low deposit brokers that support trading with virtual money and provide support to help new traders get going.

Are The Top Brokers With A Budget-Friendly Entry Point Brokers Good For Beginners?
Broker	Demo Account	Minimum Deposit	Minimum Trade	Education Rating	Support Rating
Interactive Brokers	✔	$0	$100	4.3	3
NinjaTrader	✔	$0	0.01 Lots	4	4
OANDA US	✔	$0	0.01 Lots	3.8	3.5
Moomoo	✔	$0	$0	4.4	2.8
CEX.IO	✘	$20	$1	4	3.8
TradeUp	✔	$0.01	$1	2.5	3

Compare Advanced Trader Features

Are these low deposit trading platforms good for advanced traders?

Compare Advanced Trader Features
Broker	Automated Trading	VPS	AI	Pro Account	Leverage	Low Latency	Extended Hours
Interactive Brokers	Capitalise.ai, TWS API	✘	✔	✘	1:50	✔	✔
NinjaTrader	NinjaScript or via Automated Trading Interface	✘	✘	✘	1:50	✔	✘
OANDA US	Expert Advisors (EAs) on MetaTrader	✘	✔	✘	1:50	✔	✘
Moomoo	-	✘	✘	✘	1:2	✘	✔
CEX.IO	API	✘	✘	✘	-	✘	✘
TradeUp	-	✘	✘	✘	-	✘	✔

Compare The Ratings Of The Top Brokers With A Low Funding Threshold

Uncover how the top low-entry brokers stack up in key areas following our in-depth evaluations.

Compare The Ratings Of The Top Brokers With A Low Funding Threshold
Broker	Trust	Platforms	Assets	Mobile	Fees	Accounts	Research	Education	Support
Interactive Brokers	4.5	3.3	4.7	4.4	4.3	3.5	4.4	4.3	3
NinjaTrader	4.3	4.5	2.9	3.1	4.3	2.8	4	4	4
OANDA US	4.5	4.5	2.8	4.2	4	3.5	4.3	3.8	3.5
Moomoo	4.7	3	3	4	3.8	3.3	3.8	4.4	2.8
CEX.IO	2.5	3	3.3	3.9	3.3	3.3	2.5	4	3.8
TradeUp	3	3	3.8	4.1	3.8	3	2.8	2.5	3

How Popular Are These Low Starting Deposit Brokers?

Many traders looking to make a small initial investment prefer popular brokers (with large client bases):

Broker	Popularity
Moomoo	24,000,000
CEX.IO	15,000,000
Interactive Brokers	3,500,000
NinjaTrader	1,800,000

Why Start Trading With Interactive Brokers’s Small Deposit Requirement?

"Interactive Brokers is one of the best brokers for advanced day traders, providing powerful charting platforms, real-time data, and customizable layouts, notably through the new IBKR Desktop application. Its superb pricing and advanced order options also make it highly attractive for day traders, while its diverse range of equities is still among the best in the industry."
Christian Harris, Reviewer

Interactive Brokers Quick Facts

Demo Account	Yes
Instruments	Stocks, Options, Futures, Forex, Funds, Bonds, ETFs, Mutual Funds, Cryptocurrencies
Regulator	FCA, SEC, FINRA, CFTC, CBI, CIRO, SFC, MAS, MNB, FINMA, AFM, SEBI
Platforms	Trader Workstation (TWS), IBKR Desktop, GlobalTrader, Mobile, Client Portal, AlgoTrader, OmniTrader, TradingView, eSignal, TradingCentral, ProRealTime, Quantower
Minimum Deposit	$0
Minimum Trade	$100
Leverage	1:50
Account Currencies	USD, EUR, GBP, CAD, AUD, INR, JPY, SEK, NOK, DKK, CHF, AED, HUF

Pros

Interactive Brokers has been named Best US Broker for 2025 by DayTrading.com, recognizing its long-standing commitment to US traders, ultra-low margin rates, and global market access at minimal cost.
While primarily geared towards experienced traders, IBKR has made moves to broaden its appeal in recent years, reducing its minimum deposit from $10,000 to $0.
The TWS platform has clearly been built for intermediate and advanced traders and comes with over 100 order types and a reliable real-time market data feed that rarely goes offline.

Cons

You can only have one active session per account, so you can’t have your desktop program and mobile app running simultaneously, making for a sometimes frustrating trading experience.
IBKR provides a wide range of research tools, but their distribution across trading platforms and the web-based 'Account Management' page lacks consistency, leading to a confusing user experience.
Support can be slow and frustrating based on tests, so you might find it challenging to reach customer service representatives promptly or encounter delays in resolving issues.

Visit Interactive Brokers

Interactive Brokers Review

Why Start Trading With NinjaTrader’s Small Deposit Requirement?

"NinjaTrader continues to meet the demands of active futures traders looking for low fees and premium analysis tools. The platform hosts top-rate charting features including hundreds of indicators and 10+ chart types."
Christian Harris, Reviewer

NinjaTrader Quick Facts

Demo Account	Yes
Instruments	Futures, Forex, Stocks, Options, Commodities, Futures, Crypto (non-futures depend on provider)
Regulator	NFA, CFTC
Platforms	NinjaTrader Desktop, Web & Mobile, eSignal
Minimum Deposit	$0
Minimum Trade	0.01 Lots
Leverage	1:50
Account Currencies	USD, EUR, GBP, CAD, AUD

Pros

The market replay function is a standout feature — you can download tick-by-tick historical data, rewind to any specific date, and interact with it as if trading live, making it genuinely useful for both strategy testing and real-world practice
Nano contracts — one-hundredth the size of standard contracts — allow traders to size positions with precision and manage risk at a much smaller scale, a meaningful advantage for those building positions gradually
NinjaTrader's ecosystem gives traders access to thousands of add-ons and applications from developers across more than 150 countries, covering indicators, strategies, and custom tools that go well beyond what the platform ships with natively

Cons

Traders looking for fundamental data research will need to look elsewhere — the platform is built almost entirely around technical analysis, leaving a meaningful gap for anyone who factors company or macro fundamentals into their decision-making.
NinjaTrader was acquired by Kraken in May 2025, and while it continues to operate independently for now, traders who value long-term stability may have reservations about how the platform's direction and pricing could shift under new ownership.
Intraday margin requirements can spike by as much as four times in the 15 minutes leading up to major economic news releases, and may stay elevated for several minutes after volatility subsides — a detail that can catch underprepared traders off guard at exactly the wrong moment.

Visit NinjaTrader

NinjaTrader Review

Why Start Trading With OANDA US’s Small Deposit Requirement?

"OANDA remains an excellent broker for US day traders seeking a user-friendly platform with premium analysis tools and a straightforward joining process. OANDA is also heavily regulated with a very high trust score."
Jemma Grist, Reviewer

OANDA US Quick Facts

Demo Account	Yes
Instruments	Forex, Crypto with Paxos (Cryptocurrencies are offered through Paxos. Paxos is a separate legal entity from OANDA)
Regulator	NFA, CFTC
Platforms	OANDA Trade, MT4, TradingView, AutoChartist
Minimum Deposit	$0
Minimum Trade	0.01 Lots
Leverage	1:50
Account Currencies	USD, EUR, GBP, AUD, JPY, CHF, HKD, SGD

Pros

The proprietary OANDA web platform continues to deliver a highly competitive charting environment, including 65+ technical indicators powered by TradingView
Beginners can get started easily with $0 minimum initial deposit
Day traders can enjoy fast and reliable order execution

Cons

There's only a small range of payment methods available, with no e-wallets supported
It's a shame that customer support is not available on weekends
The range of day trading markets is limited to forex and cryptos only

Visit OANDA US

OANDA US Review

Why Start Trading With Moomoo’s Small Deposit Requirement?

"Moomoo remains an excellent choice for new and intermediate stock traders who want to build a diverse investment portfolio. What really stands out is the broker's user-friendly app and the low trading fees."
Jemma Grist, Reviewer

Moomoo Quick Facts

Demo Account	Yes
Instruments	Stocks, Options, ETFs, ADRs, OTCs
Regulator	FINRA, SEC, MAS, ASIC, FMA, CIRO, JFSA, SC
Platforms	Desktop Platform, Mobile App
Minimum Deposit	$0
Minimum Trade	$0
Leverage	1:2
Account Currencies	USD, HKD, SGD

Pros

Moomoo is a Member of FINRA and the Securities Investor Protection Corporation (SIPC), adding another level of security for prospective clients
It is reassuring that Moomoo holds licenses with the US Securities and Exchange Commission (SEC) and the Monetary Authority of Singapore (MAS), among others
The broker offers access to extended pre-market trading hours

Cons

There is no phone or live chat support - common options at most other brokers
It's a shame that there is no 2 factor authentication (2FA), despite the other security features on offer
There is no negative balance protection, which is a common safety feature at top-tier-regulated brokers

Visit Moomoo

Moomoo Review

Why Start Trading With CEX.IO’s Small Deposit Requirement?

"CEX.IO continues to serve a range of crypto investors looking to buy, sell, trade, hold and earn with low fees. The tiered pricing structure will appeal to active traders while rookie investors will enjoy the straightforward platform interface and excellent education."
Tobias Robinson, Reviewer

CEX.IO Quick Facts

Demo Account	No
Instruments	Cryptos
Regulator	GFSC
Platforms	TradingView
Minimum Deposit	$20
Minimum Trade	$1
Account Currencies	USD, EUR, GBP

Pros

Crypto leverage is available up to 1:3
The $20 minimum deposit makes the broker accessible for beginners
The proprietary terminal features an advanced charting package from TradingView, including 50+ technical indicators

Cons

The broker has limited regulatory oversight
The Exchange Plus platform delivers a cluttered interface compared to competitor platforms
It's a shame that there's no demo account for traders looking to practice strategies

Visit CEX.IO

CEX.IO Review

Why Start Trading With TradeUp’s Small Deposit Requirement?

"TradeUp is best suited to budget-conscious day traders looking to trade U.S. and global markets with zero commissions on a user-friendly mobile app. Its more than 250 Chinese American Depositary Receipts (ADRs), including Alibaba Group (BABA), also make it suitable for trading Chinese equities."
Christian Harris, Reviewer

TradeUp Quick Facts

Demo Account	Yes
Instruments	Stocks, Options, ETFs, Bonds
Regulator	SEC, FINRA
Platforms	Desktop, Web, Mobile
Minimum Deposit	$0.01
Minimum Trade	$1
Account Currencies	USD, EUR, GBP

Pros

TradeUp’s platforms work smoothly across multiple devices based on our tests, including mobile apps for iOS and Android, a desktop app for Windows and Mac, and a web-based platform. This allows active traders to switch between devices without losing continuity, whether you’re at home or on the go.
TradeUp runs an integrated and intuitive financial calendar that helps you track earnings, dividends, and IPOs relevant to your watchlist, enabling you to stay ahead of market-moving events.
TradeUp offers commission-free trading on US stocks and ETFs, and support for fractional shares lets you buy portions of a share for as little as $5.This makes it a cost-effective choice for active day traders who want to minimize trading expenses.

Cons

TradeUp's educational resources aren't kept updated, and were over 6 months old in our latest tests. While there are articles and tutorials aimed at newcomers, the content is somewhat limited and does not cover more advanced trading strategies or deeper topics.
The platform's technical indicators have limited customization options from our use. On both mobile and web versions, you can't layer multiple indicators on the same chart simultaneously, which restricts more sophisticated chart analysis.
TradeUp does not support popular third-party platforms like TradingView or cTrader, so traders who rely on those for advanced charting, automation, or community features won't find that flexibility.

Visit TradeUp

TradeUp Review

Methodology

To rank the best low deposit brokers, we:

Recorded the minimum deposit for 141 brokers as of April 2026;
Overlayed our overall ratings following exhaustive tests and analysis conducted by our experts;
Listed the very best brokers that combine low starting deposits with a terrific all-round trading environment.

DayTrading.com approach to evaluating low deposit trading brokers

What To Look For In A Low Deposit Broker

Not all low-deposit brokers are created equal. Here are five key things to prioritize:

Low Deposit And Affordable Accounts: Look for brokers offering micro or cent accounts where you can trade with smaller amounts. Vantage scooped our best cent account broker and requires just $50.
Competitive Trading Conditions: Ensure the broker offers tight spreads, low commissions, and reasonable swap rates to keep costs manageable (you can avoid overnight fees by day trading). Fusion Markets is the cheapest low-cost broker we’ve tested.
Regulatory Compliance: Choose brokers regulated by trusted ‘green tier’ bodies in DayTrading.com’s Regulation & Trust Rating like the SEC (US), FCA (UK), ASIC (Australia), and CySEC (Cyprus). IG is the safest low deposit broker based on our tests.
User-Friendly Platforms: Platforms like MetaTrader 5 or even simple proprietary apps are great for beginners. XTB’s xStation is our favorite low-deposit trading platform for novice traders.
Leverage Options: Low-deposit brokers often offer high leverage. While leverage can amplify gains, it also increases risk, so choose wisely.

Drawing on my years of real money trading, below are my top tips for getting the most out of a low deposit broker.

Paul Holmes

Author

Start Small And Scale Up: Treat your initial deposit as a learning tool. Once confident, add more funds.
Use A Demo Account: Test strategies and get comfortable with the platform before committing real money.
Avoid Overtrading: Stick to a trading plan; don’t let emotions drive your decisions.
Trade During Liquid Hours: Trade when markets are most active for tighter spreads and better execution.
Choose A Broker With No Hidden Fees: Verify that the broker doesn’t charge excessive deposits, withdrawals, or inactivity fees.

What Is A Low Deposit Broker?

Low-deposit brokers are trading platforms that allow you to open an account with minimal initial investment.

We generally consider a deposit of $50 or less ‘low’, but sometimes we find trading platforms requiring just $1, or even $0.

Minimum deposits have really come down in recent years as brokers aim to make themselves more accessible to retail traders.

For example, FXCM slashed its starting deposit from $300 to $50 in 2019, Fusion Markets cut theirs from $100 to $0 in 2021, while Axi reduced theirs from $200 to $0 in 2023.

Pros

Accessibility: Anyone can start, regardless of their situation, making it easier for new traders to participate.
Risk Management: Small deposits minimize potential losses, making them ideal for cautious traders.
Flexible Learning: Low deposit accounts allow you to trade in real market conditions while building skills.
Test Strategies: They allow experimentation of strategies like day trading without risking large amounts.
Ideal For Beginners: Perfect for learning the basics of trading without a significant upfront commitment.

Cons

Over-Leveraging: Low deposits often tempt traders to use high leverage, which can magnify losses.
Limited Features: Some brokers restrict advanced tools or assets for low-deposit accounts.
Emotions: Small balances can lead to overtrading to grow accounts quickly, often resulting in losses.
Scams: Some brokers may lower capital requirements to reel traders in.
Hidden fees: Platforms may reduce cash requirements and then charge extra for other services, such as inactivity, conversions if your account currency differs from the traded asset, and for using advanced tools.

FAQ

Which Is The Best Low Deposit Trading Account?

The best low deposit trading account will depend on your individual needs. However, our pick of the best brokers with low minimum deposits is a great place to start, with options for active traders at every level.

Why Do Brokers Require A Minimum Deposit?

Online brokers require an initial payment to cover the costs of creating an account and to ensure traders have enough capital to open positions in their chosen market.

Minimum deposits can vary from several thousands of dollars, particularly if you open a premium or VIP account, to just $1 for entry-level solutions.

Can I Day Trade With $1?

Yes, some regulated forex and CFD trading platforms offer minimum deposits as low as $1. See our list of leading low deposit brokers for suggestions and reviews.