# Account types — Starter, Trader, Pro & Private · Horwick

> Compare Horwick accounts: minimum deposit, fees, savings APY, tools and support. Plus how deposits and withdrawals work and how long they take.

Source: https://horwick.com/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.

- Starter · from €250
- Trader · from €500
- Pro · from €5,000
- Private · custom

## Choose your account

Switch between tiers at any time — upgrades apply instantly, with no paperwork.

- **Starter**: €250 minimum deposit — For your first trades — [Open Starter](https://my.horwick.com/register)
  - **0.10%** Trading fee
  - **up to 5%** Savings APY
  - **24/7 chat** Support
  - **All 200+ markets**
  - **Copy trading**
  - **Advanced charts & risk tools**: not included
  - **Dedicated manager**: not included
- **Trader**: €500 minimum deposit — For active, regular trading — most popular — [Open Trader](https://my.horwick.com/register)
  - **0.06%** Trading fee
  - **up to 9%** Savings APY
  - **Priority chat** Support
  - **All 200+ markets**
  - **Copy trading**
  - **Advanced charts & risk tools**
  - **Dedicated manager**: not included
- **Pro**: €5,000 minimum deposit — For high volume and larger balances — [Open Pro](https://my.horwick.com/register)
  - **0.02%** Trading fee
  - **up to 13.2%** Savings APY
  - **Dedicated manager** Support
  - **All 200+ markets**
  - **Copy trading**
  - **Advanced charts & risk tools**
  - **Dedicated manager**
- **Private**: Custom from €100,000 — For funds, family offices and HNW clients — [Talk to us](https://horwick.com/contact)
  - **Negotiated** Trading fee
  - **Custom** Savings APY
  - **Private desk** Support
  - **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.

## Every account, side by side

Minimum deposit, conditions, benefits and features in one table.

**Deposit & fees**

|  | Starter | Trader | Pro | Private |
| --- | --- | --- | --- | --- |
| 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**

|  | Starter | Trader | Pro | Private |
| --- | --- | --- | --- | --- |
| Markets | 200+ | 200+ | 200+ | 200+ & OTC |
| Max leverage (crypto) | 1:2 | 1:5 | 1:10 | Custom |
| Copy trading | Yes | Yes | Yes | Yes |
| Advanced charts & risk tools | No | Yes | Yes | Yes |
| API access | No | No | Yes | Yes |

**Savings**

|  | Starter | Trader | Pro | Private |
| --- | --- | --- | --- | --- |
| Savings APY | up to 5% | up to 9% | up to 13.2% | Custom |

**Support**

|  | Starter | Trader | Pro | Private |
| --- | --- | --- | --- | --- |
| Support | 24/7 chat | Priority chat | Dedicated manager | Private desk |
| Withdrawal priority | Standard | Priority | Instant review | Instant review |

## 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.
  - **24/7 live chat**: Real people around the clock, median reply ~2 min.
  - **Copy trading**: Follow verified traders with your own risk limits.
  - **0.10% trading fee**: Flat fee on crypto, €1 per stock trade.
  - **Fast withdrawals**: Most bank withdrawals clear within minutes.
- **Trader**: Lower fees and the full professional toolset for people who trade every week.
  - **Priority chat**: Your chats jump the queue, median reply under 1 min.
  - **Advanced charts**: Multi-timeframe layouts, 100+ indicators, drawing tools.
  - **Risk tools**: Guaranteed stops, price alerts and exposure limits.
  - **0.06% fee, €0 stocks**: Commission-free stocks and ETFs.
- **Pro**: Institutional-grade pricing and a named person who knows your account.
  - **Dedicated manager**: A named account manager on phone, chat and email.
  - **API access**: REST and WebSocket APIs for automated strategies.
  - **0.02% trading fee**: Our lowest standard fee, up to 13.2% savings APY.
  - **Instant withdrawal review**: Withdrawals are reviewed first in the queue.
- **Private**: For funds, family offices and high-net-worth clients who need custom terms.
  - **Private desk**: A dedicated team with direct lines, 6 days a week.
  - **OTC & block trades**: Large orders filled off-book with minimal slippage.
  - **FIX & custom reporting**: FIX connectivity and reporting built to your requirements.
  - **Custom custody**: Segregated structures and multi-signatory controls.

## 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 |

## Picking a plan? Quick answers.

- **Can I upgrade or downgrade my account later?**: Yes. Upgrades apply instantly once your balance meets the new minimum; downgrades take effect from the next day.
- **Are there any hidden fees?**: No. Every fee is listed in the comparison table. There is no inactivity or account maintenance fee.
- **Do I need the minimum deposit to stay in my tier?**: The minimum applies at opening. If your balance drops below it later, your tier stays the same.
- **Can I switch accounts without closing positions?**: Yes. Switching tiers never closes or moves your open positions.
- **What is included in the Private account?**: Negotiated pricing, OTC and block trades, FIX/API access and a private desk. Contact us to discuss terms.
- **How long do withdrawals take on each account?**: Most bank withdrawals arrive within minutes on every tier. Pro and Private withdrawals are reviewed first.

[Visit the full Help Center](https://horwick.com/contact)

## Found your account? Open it in minutes.

Verification usually takes under 10 minutes. You can switch tiers at any time.

- [Open an Account](https://my.horwick.com/login)
- [Talk to us](https://horwick.com/contact)