// Account types
Starter to try, Trader to trade often, Pro for volume.
Every account trades the same 200+ markets. What changes is the fee, the savings rate and how close you are to a human.
// Accounts
Choose your account
Switch between tiers at any time — upgrades apply instantly, with no paperwork.
Starter
For your first trades
€250minimum deposit- Trading fee
- 0.10%
- Savings APY
- up to 5%
- Support
- 24/7 chat
- All 200+ markets
- Copy trading
- Advanced charts & risk tools(not included)
- Dedicated manager(not included)
Trader
most popularFor active, regular trading
€500minimum deposit- Trading fee
- 0.06%
- Savings APY
- up to 9%
- Support
- Priority chat
- All 200+ markets
- Copy trading
- Advanced charts & risk tools
- Dedicated manager(not included)
Pro
For high volume and larger balances
€5,000minimum deposit- Trading fee
- 0.02%
- Savings APY
- up to 13.2%
- Support
- Dedicated manager
- All 200+ markets
- Copy trading
- Advanced charts & risk tools
- Dedicated manager
Private
For funds, family offices and HNW clients
Customfrom €100,000- Trading fee
- Negotiated
- Savings APY
- Custom
- Support
- Private desk
- Everything in Pro
- OTC & block trades
- API & FIX access
- Custom reporting
All accounts require identity verification under our AML & KYC Policy. The minimum deposit is required once, at account opening.
// Account comparison
Every account, side by side
Minimum deposit, conditions, benefits and features in one table.
| Horwick account comparison | Starter | Tradermost popular | Pro | Private |
|---|---|---|---|---|
| Deposit & fees | ||||
| Minimum deposit | €250 | €500 | €5,000 | from €100,000 |
| Trading fee | 0.10% | 0.06% | 0.02% | Negotiated |
| Stock commission | €1 / trade | €0 | €0 | €0 |
| Withdrawal fee | Free | Free | Free | Free |
| Inactivity fee | None | None | None | None |
| Trading | ||||
| Markets | 200+ | 200+ | 200+ | 200+ & OTC |
| Max leverage (crypto) | 1:2 | 1:5 | 1:10 | Custom |
| Copy trading | Included | Included | Included | Included |
| Advanced charts & risk tools | -(not included) | Included | Included | Included |
| API access | -(not included) | -(not included) | Included | Included |
| Savings | ||||
| Savings APY | up to 5% | up to 9% | up to 13.2% | Custom |
| Support | ||||
| Support | 24/7 chat | Priority chat | Dedicated manager | Private desk |
| Withdrawal priority | Standard | Priority | Instant review | Instant review |
Horwick · Account comparison · Updated September 2026
// What you get
The detail behind each account
Everything the table can't fit: support levels, tools and the people you'll deal with.
Starter
Everything you need to place your first trades and learn the platform, with the full market list from day one.
See Starter account
- 24/7 live chatReal people around the clock, median reply ~2 min.
- Copy tradingFollow verified traders with your own risk limits.
- 0.10% trading feeFlat fee on crypto, €1 per stock trade.
- Fast withdrawalsMost bank withdrawals clear within minutes.
Trader
Lower fees and the full professional toolset for people who trade every week.
See Trader account- Priority chatYour chats jump the queue, median reply under 1 min.
- Advanced chartsMulti-timeframe layouts, 100+ indicators, drawing tools.
- Risk toolsGuaranteed stops, price alerts and exposure limits.
- 0.06% fee, €0 stocksCommission-free stocks and ETFs.
- Dedicated managerA named account manager on phone, chat and email.
- API accessREST and WebSocket APIs for automated strategies.
- 0.02% trading feeOur lowest standard fee, up to 13.2% savings APY.
- Instant withdrawal reviewWithdrawals are reviewed first in the queue.
Private
For funds, family offices and high-net-worth clients who need custom terms.
See Private account- Private deskA dedicated team with direct lines, 6 days a week.
- OTC & block tradesLarge orders filled off-book with minimal slippage.
- FIX & custom reportingFIX connectivity and reporting built to your requirements.
- Custom custodySegregated structures and multi-signatory controls.
// Deposits & withdrawals
Money in, money out — fast
How funding works, what it costs and, most importantly, how long withdrawals take.
- €0
- withdrawal fee
- ~15 min
- median bank withdrawal
- 98%
- withdrawals same day
| Method | Deposit time | Withdrawal time | Fee | Minimum |
|---|---|---|---|---|
| Bank transfer | Instant – 1 hour | Minutes – 1 business day | Free | €250 |
| Debit / credit card | Instant | 1–3 business days | Free | €250 |
| Crypto (USDT, BTC, ETH) | ~10 min (network) | ~10 min (network) | Network fee only | €250 |
| Apple Pay / Google Pay | Instant | To linked card, 1–3 days | Free | €250 |
// Account questions
Picking a plan? Quick answers.
Yes. Upgrades apply instantly once your balance meets the new minimum; downgrades take effect from the next day.
No. Every fee is listed in the comparison table. There is no inactivity or account maintenance fee.
The minimum applies at opening. If your balance drops below it later, your tier stays the same.
Yes. Switching tiers never closes or moves your open positions.
Negotiated pricing, OTC and block trades, FIX/API access and a private desk. Contact us to discuss terms.
Most bank withdrawals arrive within minutes on every tier. Pro and Private withdrawals are reviewed first.
// Get started
Found your account?Open it in minutes.
Verification usually takes under 10 minutes. You can switch tiers at any time.