Sofort Brokers 2026
Sofort (part of the Klarna Group) is an online direct payment service, where traders can fund their broker accounts using just their online banking details. You may find the Sofort/Klarna logo at some brokers and e-commerce websites, but how does it compare to e-wallets such as PayPal?
If you’re wondering how it works, we’ll review all the key points in this article, including pricing, test accounts and the login process. We also list the best brokers that accept Sofort deposits and withdrawals.
Best Sofort Brokers
These are the top 6 brokers with Sofort payments, based on our tests:
Here is a short summary of why we think each broker belongs in this top list:
- RoboForex - RoboForex is an online broker, established in 2009 and registered with the IFSC in Belize. Traders can choose from five accounts (Prime, ECN, R StocksTrader, ProCent, Pro) catering to different needs with trades from 0.01 lots and spreads from 0 pips. RoboForex has also enhanced its offering over the years, adding CFD instruments and launching its stock trading platform, plus the CopyFX system.
- FXCC - FXCC is an established broker that’s been offering low-cost online trading since 2010. Registered in Nevis and regulated by the CySEC, it stands out for its ECN trading conditions, no minimum deposit and smooth account opening that takes less than 5 minutes.
- Axi - Established in 2007, Axi is a multi-regulated forex and CFD broker that has made strides to improve its trading experience over the years, from expanding its suite of stocks and upgrading the Axi Academy to launching its own copy trading app.
- BDSwiss - Established in 2012, BDSwiss is an award-winning forex and CFD broker, offering over 900 instruments to clients in over 180 countries. With fresh account options, dynamic leverage and AI-powered tools added, BDSwiss offers a well-rounded day trading package.
- AAAFx - AAAFx is a forex and CFD broker, established in 2007 and headquartered in Greece. The company is regulated by the HCMC and FSCA and supports a selection of ECN accounts with low spreads, fast order executions and convenient deposits.
- TopFX - TopFX, a Cyprus-headquartered company, has been an instrumental player in the financial services industry since its establishment in 2010, earning a solid reputation as a reliable broker for active traders. Initially, the company offered liquidity services to institutional clients, including hedge funds, banks, and brokers. However over the years, TopFX has grown to include retail traders in its clientele. It was one of the first brokers in the world to offer cTrader, a testament to its commitment to innovation.
Compare The Best Sofort Brokers
| Broker | Minimum Deposit | Instruments | Platforms | Leverage |
|---|---|---|---|---|
| RoboForex | $10 | CFDs, Forex, Stocks, Indices, Commodities, ETFs, Futures | R StocksTrader, MT4, MT5, TradingView | 1:2000 |
| FXCC | $0 | CFDs, Forex, Indices, Commodities, Crypto | MT4, MT5 | 1:500 |
| Axi | $0 | CFDs, Forex, Stocks, Indices, Commodities, Crypto | Axi Copy Trading, MT4, AutoChartist | 1:500 |
| BDSwiss | $10 | CFDs, Forex, Stocks, Indices, Commodities, Crypto | BDSwiss WebTrader, MT4, MT5, AutoChartist, TradingCentral | 1:2000 |
| AAAFx | $10 | CFDs, Forex, Stocks, Indices, Commodities, Cryptos | MT4, MT5 | 1:30 (EU), 1:500 (Global) |
| TopFX | $50 | CFDs, Forex, Shares, Indices, Metals, Energies, ETFs, Cryptocurrency | MT4, MT5, cTrader, AutoChartist, TradingCentral, Quantower | 1:500 |
RoboForex
"RoboForex is great if you want a vast range of 12,000+ day trading markets with ECN accounts, powerful charting and loyalty promotions. It also stands out for stock traders with its user-friendly R StocksTrader platform, featuring 3,000+ shares, fees from $0.01 and sophisticated watchlists."
Christian Harris, Reviewer
RoboForex Quick Facts
| Demo Account | Yes |
|---|---|
| Instruments | CFDs, Forex, Stocks, Indices, Commodities, ETFs, Futures |
| Regulator | IFSC |
| Platforms | R StocksTrader, MT4, MT5, TradingView |
| Minimum Deposit | $10 |
| Minimum Trade | 0.01 Lots |
| Leverage | 1:2000 |
| Account Currencies | USD, EUR |
Pros
- RoboForex is known for its tight spreads starting from 0 pips and low minimum deposits from $10, making it accessible to those on a budget. The ability to trade with micro lots further lowers the barrier to entry for new traders.
- The broker offers two commission-free withdrawals each month in the Free Funds Withdrawal program, helping day traders to minimize transaction costs.
- RoboForex offers over 12,000 instruments, providing more short-term trading opportunities than the vast majority of online brokers, with forex, stocks, indices, ETFs, commodities, and futures.
Cons
- Despite 15+ years in the industry and registering with the Financial Commission, RoboForex is authorized by one ‘Red-Tier’ regulator – the IFSC in Belize, lowering the level of regulatory protections for traders.
- Despite offering a range of platforms, RoboForex still doesn't support the increasingly popular cTrader. This might deter traders who prefer this specific platform for their day trading activities and is available at firms like Fusion Markets.
- While RoboForex offers competitive spreads, some of its account types come with high trading commissions up to $20 per lot, trailing the cheapest brokers, such as IC Markets.
FXCC
"FXCC continues to prove itself an excellent option for forex day traders with an extensive range of 70+ currency pairs, ultra-tight spreads from 0.0 pips during testing, and high leverage up to 1:500 in the ECN XL account. "
FXCC Quick Facts
| Demo Account | Yes |
|---|---|
| Instruments | CFDs, Forex, Indices, Commodities, Crypto |
| Regulator | CySEC |
| Platforms | MT4, MT5 |
| Minimum Deposit | $0 |
| Minimum Trade | 0.01 Lots |
| Leverage | 1:500 |
| Account Currencies | USD, EUR, GBP |
Pros
- FXCC has added MT5, and in our hands-on tests, it matched MT4’s trading conditions with fast execution, enhanced charting, and depth of market tools.
- Competitive and transparent ECN spreads from 0.0 pips with zero commissions, making FXCC one of the cheapest forex brokers
- FXCC is trusted and licensed by the CySEC, a top-tier European regulator offering high standards of safeguarding
Cons
- Although the MetaTrader suite continue to shine for technical analysis, the subpar design dampens the trading experience, especially compared to modern alternatives like TradingView
- FXCC’s MetaTrader-only offering is a drawback compared to many alternatives, notably AvaTrade which provides five platforms to suit different trader preferences
- High withdrawal fees may catch out unsuspecting traders, including a significant $45 charge for bank wire payments
Axi
"Axi is a stand-out option if you want to day trade forex on the MetaTrader 4 platform thanks to the broker’s growing selection of 70+ currency pairs, the MT4 NextGen upgrade, and tight spreads from just 0.2 pips if you opt for the Pro account."
Axi Quick Facts
| Demo Account | Yes |
|---|---|
| Instruments | CFDs, Forex, Stocks, Indices, Commodities, Crypto |
| Regulator | FCA, ASIC, FMA, DFSA, SVGFSA |
| Platforms | Axi Copy Trading, MT4, AutoChartist |
| Minimum Deposit | $0 |
| Minimum Trade | 0.01 Lots |
| Leverage | 1:500 |
| Account Currencies | USD, EUR, GBP, CHF, PLN |
Pros
- Advanced traders can now sign up for the Axi Select funded trader program through the broker’s offshore entity, providing funding up to $1 million with a 90% profit share.
- Axi offers a terrific MT4 experience, enhanced with the NextGen plug-in for advanced order management and analytics, and complete with low execution latency of approximately 30ms.
- The growing educational resources in the Axi Academy, including free eBooks, video tutorials and notably interactive quizzes, are excellent for supporting beginner traders.
Cons
- Despite bolstering its stock CFDs in US, UK and EU markets, it’s still nowhere near as extensive as firms like BlackBull which offer thousands of equities for diverse opportunities.
- Axi still has our confidence but issues with the ASIC and FMA in recent years mean it needs to continue providing a secure environment while adhering to licensing conditions.
- Axi is falling behind by only offering MT4 when many rivals now support MT5, cTrader, TradingView and proprietary software for a slicker experience with more advanced tools.
BDSwiss
"BDSwiss will suit day traders in search of fast execution, with 68.3ms median execution speeds, dynamic leverage up to 1:2000, and powerful charting tools. The catch is the dwindling regulatory oversight in recent years. "
BDSwiss Quick Facts
| Demo Account | Yes |
|---|---|
| Instruments | CFDs, Forex, Stocks, Indices, Commodities, Crypto |
| Regulator | FSC, FSA, SCA, MISA |
| Platforms | BDSwiss WebTrader, MT4, MT5, AutoChartist, TradingCentral |
| Minimum Deposit | $10 |
| Minimum Trade | 0.01 Lots |
| Leverage | 1:2000 |
| Account Currencies | USD, EUR, GBP |
Pros
- With support for MT4, MT5, and its own app, BDSwiss ensures its platforms offer advanced charting tools, Autochartist and Trading Central integration, and seamless mobile access.
- BDSwiss offers fast and reliable execution, with median execution speeds of 68.3ms, no requotoes or rejections, and 74.8% zero or positive slippage during our latest evaluations.
- BDSwiss caters to a wide range of traders by offering Cent, Classic, VIP, and Raw accounts. Beginners can start with lower-risk Cent accounts, while experienced traders can benefit from VIP or Raw accounts that offer lower spreads and tighter spreads and commissions for high-volume trading.
Cons
- While the growing 900+ asset range is solid, specific categories, like cryptocurrencies and stocks, have fewer options than brokers offering thousands of shares or a more diverse crypto portfolio. Advanced traders looking for niche assets might feel constrained.
- After surrendering its CySEC (Cyprus) and FCA (UK) licenses, BDSwiss no longer accepts clients from the EU and UK. This limits its access to traders in highly regulated markets, reducing its appeal in those regions where stringent oversight might be a priority for users.
- The BDSwiss WebTrader lacks customization, with no window resizing and no asset-specific filters for trading ideas, making for a limiting and frustrating user experience during testing.
AAAFx
"AAAFx is best for forex traders seeking ECN conditions with spreads from zero and MetaTrader access. It’s also suitable for social traders with ZuluTrade support. However, AAAFx seriously falls short for newer traders with minimal research features and no educational tools."
Michael MacKenzie, Reviewer
AAAFx Quick Facts
| Demo Account | Yes |
|---|---|
| Instruments | CFDs, Forex, Stocks, Indices, Commodities, Cryptos |
| Regulator | HCMC, FSCA |
| Platforms | MT4, MT5 |
| Minimum Deposit | $10 |
| Minimum Trade | 0.01 Lots |
| Leverage | 1:30 (EU), 1:500 (Global) |
| Account Currencies | USD, EUR, CAD, AUD |
Pros
- AAAFx supports a wide range of payment methods with near-instant funding and zero transfer fees, ensuring convenient deposits.
- Fast and dependable 24/5 support is available following hands-on testing across live chat, telephone and email.
- There are sophisticated MT4 and MT5 charting platforms for advanced day traders, featuring a huge selection of indicators, drawing tools, chart types, and analysis features.
Cons
- The selection of currencies is strong but AAAFx lacks depth in its stocks, indices, commodities and cryptos, limiting the range of trading opportunities.
- You can’t make deposits and manage your AAAFx account through an app, meaning you have to sign in to the website, dampening the mobile trading experience.
- By discontinuing ActTrader and lacking a proprietary platform, traders are limited to MetaTrader, which is outdated and less ideal for newcomers.
TopFX
"TopFX is a strong choice for day trading due to ultra-low latency with execution times under 25 milliseconds. It also offers access to advanced charting platforms, MT4 and cTrader, with tight spreads and low commissions that can significantly reduce costs for active traders."
TopFX Quick Facts
| Demo Account | Yes |
|---|---|
| Instruments | CFDs, Forex, Shares, Indices, Metals, Energies, ETFs, Cryptocurrency |
| Regulator | CySEC, FSA, BVI |
| Platforms | MT4, MT5, cTrader, AutoChartist, TradingCentral, Quantower |
| Minimum Deposit | $50 |
| Minimum Trade | 0.01 Lots |
| Leverage | 1:500 |
| Account Currencies | USD, EUR, GBP |
Pros
- TopFX has finally added MT5, offering reliable integration with a robust charting and tooling package for multi-asset traders seeking the latest software from MetaQuotes.
- Active traders get excellent trade execution with speeds under 25ms, combined with consistent pricing, no slippage or requotes, and fast deposits and withdrawals during testing.
- TopFX continues to deliver first-class support following years of real-money trading with responses on live chat in minutes and email replies in 24 hours for technical assistance.
Cons
- TopFX supports three platforms (cTrader, MT4 and MT5), but there's no option to trade on the increasingly popular TradingView. The lack of a proprietary platform for beginner traders is also an entry barrier.
- Although it produces in-house market analysis content, notably the Daily Market Digest, and includes Autochartist and Trading Central, the woeful educational offering is limiting for beginners, especially compared to category leaders like XTB.
- Despite a growing selection of 600+ instruments, you can't invest directly in real assets, such as stocks, ETFs, and crypto, and TopFX does not offer interest on uninvested cash like alternatives such as IBKR.
How Did We Choose The Best Sofort Brokers?
To uncover the top Sofort brokers, we:
- Pinpointed which firms offer Sofort out of the 500 online platforms in our database
- Confirmed that they support Sofort deposits and withdrawals for day trading
- Listed them by their overall rating, using over 100 data points and first-hand insights
Overview
In 2014, German payment company, Sofort GmbH, was acquired by Klarna to form the Klarna Group company. Klarna itself was founded in Sweden in 2005. Now one of Europe’s largest payment services, Klarna provides payment solutions to 150 million consumers across 550,000+ merchants in 45 countries.
Sofort, also known as ‘Pay now with Klarna’ in the UK, is an online payment and leasing service provider which allows consumers to makes purchases quickly and easily using their online banking details. Consumers enjoy direct payments, meaning there is no need to enter any card details or to create an account.
Pros Of Trading With Sofort
Demo Account
Klarna offers a live practice account which gives you 10 Euros in test money to simulate a quick transfer to a fake account. This is a great way of seeing how easily a transfer can be made and what the process involves.
No Download Required
There’s no download required to make a payment, however, Klarna does have a mobile app that you can download if you want to keep track of your purchases or deposits. This can be accessed quickly with an email address.
No Need To Register
Traders can deposit directly from their bank account to their trading platform without any hassle. This is much more convenient than other payments such as PayPal, for example, which requires you to sign up and then credit your account when you make a purchase.
Fast
The definition and meaning of ‘Sofort’ in German translates to ‘immediately’ or ‘instantly’ in English. Indeed, payments with Sofort/Klarna are instantaneous, which is ideal for those who want to trade quickly after depositing. Bear in mind, though, that some Sofort trading brokers may have their own time frames to process deposits and withdrawals.
Trusted & Established
Klarna has been around for over 15 years and is used by millions of consumers globally. Klarna is also backed by investors including Visa and Atomico. Furthermore, the company is partnered with other well-known payment services including Worldpay and is trusted by many merchants and banking providers, such as Transferwise and Western Union.
Multiple Currencies Accepted
Currencies accepted at the Klarna Checkout include AUD, CAD, CHF, PLN, DKK, EUR, GBP, NOK, SEK and USD. This is more than those offered by other methods such as Trustly and are also currencies widely used by traders.
Cons Of Trading With Sofort
Mostly European Supported Countries
Klarna supports bank accounts mainly within Europe, including France, Sweden, Finland, Norway, Denmark, German, Austria, Netherlands, Switzerland, Belgium, UK, Italy, Spain, Poland, Australia and the USA. This is rather limited compared to other payment methods, so traders from Russia or Asia, for example, may have to consider other payment providers.
Payment Cancellation Not Possible
Traders should ensure they are entering the correct amount to avoid any delays. Note that you also cannot request a chargeback with Sofort, as recurring payments or direct debits are not possible. Klarna does allow you to refund payments but you will need to contact your broker for details.
Not Offered By Many Brokers
Despite its convenience and speed, Sofort is not as commonly offered as e-wallets such as Skrill or Neteller. In addition, brokers based outside of Europe, the USA or Australia tend not to offer Sofort.
Speed
Making a payment with Sofort is instant, but you may need to check with your broker for their own processing times, which can range from a few minutes to days. Sofort also does not require account opening and registration beforehand.
Security
Sofort was designed with security in mind. The online banking login process requires a one-time PIN and TAN (confirmation code). This takes place exclusively within the Sofort GmbH software and not on the trader’s website, meaning that no sensitive information can be accessed by the broker. These details are also not stored by Klarna or Sofort, so traders can rest assured that their details are safe. The Stripe API is also secure.
How To Deposit Using Sofort
To make a deposit at a Sofort broker like ActivTrades, just look out for the Klarna or Sofort logo and ensure you already use online banking with your current bank account.
Once you’ve logged in to your trading platform, select Sofort in the funding section and follow the instructions. The service essentially works like an online bank transfer, where you enter your bank account number and sort code into the payment gateway.
Sofort also has a useful YouTube video explaining how to make a direct payment via your mobile device.
Fees & Costs
Sofort does not charge any fees for using their service, however, your broker may have their own pricing or commission structure. For example, Sofort payments at BDSwiss and ActivTrades are fee-free, whilst InstaForex charges a minimum of $1 on withdrawals.
Is Sofort Good For Day Trading?
Overall, Sofort is an ideal payment choice for traders who value speed, convenience and security. Although it’s not the most popular of methods offered by brokers, those that do have access to it can enjoy commission-free deposits and withdrawals. Traders also don’t need to register an account but they do have the option to download the app if they wish to view their transactions and online transfers.
FAQ
What Is A Sofort Payment Method For Trading?
Sofort (Pay now with Klarna) is an online direct payment service that allows day traders to make purchases using their own banking details and fund their live trading accounts.
How Long Does A Sofort Trading Deposit Take?
Sofort payments are instant but processing times for deposits or withdrawals vary from broker to broker. You can find these in your trading platform or by contacting your broker’s customer support team.
Is Sofort Safe To Use At My Broker?
Yes, Sofort by Klarna is secure and safe to use. PIN and TAN codes are never shared with the merchant, nor are your account details. The payment form is also secured with AES 256-bit encryption technology.
What Do I Do If My Sofort Trading Deposit Is Not Working?
If you have any problems with your payment, it might be worth checking with your broker that the issue isn’t on their end. If not, you can contact the Sofort buyer hotline numbers on the website, or open a live chat.
How Do I Make A Trading Deposit With Sofort?
Once you’ve logged in to your trading account, select Sofort and the amount you wish to deposit. Sofort will ask for your current account details and your bank will send you a unique PIN/TAN code as verification for the deposit.