A forex reload bonus is extra trading credit a broker adds to your account on your second, third, or any subsequent deposit after your initial funding. Unlike a welcome bonus, which applies only once, a reload bonus (also called a redeposit bonus) can be claimed multiple times. For traders who fund their accounts regularly, reload bonuses represent the most repeatable form of deposit incentive in forex.
This guide covers how forex reload bonuses work, how they compare to one-time welcome offers, which brokers currently offer them, and the specific terms you need to evaluate before claiming one. All figures below are sourced from our Broker & Bonus Matrix and verified against official broker terms.
Verified June 2026. forex-bonus.com may earn a commission through broker links. This never influences our ratings. Full disclosure. Trading forex carries significant risk — most retail traders lose money.
Availability note: Forex bonuses are banned for retail clients in the EU (ESMA), UK (FCA), Australia (ASIC), and the US (CFTC/NFA). The offers discussed below are available to traders in eligible emerging market regions. Always confirm eligibility on the broker’s site before depositing.
What Is a Forex Reload Bonus?
A forex reload bonus is a percentage-based credit applied to deposits you make after your first one. If a broker offers a 20% reload bonus and you deposit $1,000 for the second time, you receive $200 in bonus credit on top of your deposit. Your account balance shows $1,200 in total trading margin.
The key distinction: a welcome bonus works once. A reload bonus works again and again.
Some brokers structure this as an explicit “reload” or “redeposit” program with its own terms page. Others build it into a single deposit bonus system where the first deposit gets a higher match rate (often 50% or 100%) and all subsequent deposits receive a lower but ongoing percentage (typically 15% to 25%). Both structures serve the same function — rewarding existing clients who continue to fund their accounts.
Reload bonuses matter because most active traders deposit more than once. A welcome bonus gives you a one-time boost; a reload bonus creates a recurring advantage that compounds over months of trading. For a detailed breakdown of how all deposit bonuses function, see our complete deposit bonus guide.
Reload Bonus vs. Welcome Bonus: Key Differences
Understanding the difference between a reload bonus and a welcome bonus prevents confusion when comparing broker offers. Here is how the two structures compare across every important dimension.
| Feature | Welcome / First-Deposit Bonus | Reload / Redeposit Bonus |
|---|---|---|
| When it applies | First deposit only | Second deposit onward |
| How many times | Once per client | Multiple times (often unlimited) |
| Typical match rate | 50%—150% | 10%—30% |
| Maximum bonus | Usually higher cap ($5,000—$50,000) | Per-deposit cap, but cumulative total can be significant |
| Volume requirement | Standard (varies by broker) | Usually the same formula as the welcome bonus |
| Who qualifies | New clients only | Existing, verified clients |
| Strategic value | Large initial margin boost | Ongoing, repeatable margin enhancement |
The lower match rate on reload bonuses is normal. Brokers use the large welcome match to acquire new clients, then offer a smaller ongoing percentage to retain them. The trade-off favors active traders: a 20% reload claimed on ten deposits over a year adds more cumulative credit than a single 100% welcome bonus on one deposit.
For a broader comparison of every bonus category, start with our forex bonus guide.
How Reload Bonuses Are Structured
Brokers implement reload bonuses in three common formats. Knowing which structure a broker uses helps you set expectations before you deposit.
1. Tiered First + Subsequent Model
The broker offers a high match on your first deposit and a lower fixed percentage on all deposits after that. This is the most common structure.
Example from verified data: XM offers 50% up to $500 on the first deposit, then 20% up to $4,500 on subsequent deposits, with a combined cap of $5,000 in total bonus credit. The subsequent-deposit portion functions as a reload bonus, available each time you add funds until you reach the cap.
2. Flat Rate on Every Deposit
The broker applies the same percentage to every deposit, whether it is your first or your fiftieth. This simplifies the math but typically comes with a lower match rate.
Example from verified data: InstaForex applies a 30% bonus on each deposit with no stated maximum. OctaFX (Octa) offers 50% on each deposit with a minimum deposit of $50.
3. Tiered by Deposit Size
The reload percentage scales with how much you deposit. Larger deposits earn a higher match rate.
Example from verified data: FBS applies 100% on the first deposit, then a tiered reload structure on subsequent deposits: 10% on deposits of $100—$250, 20% on $250—$500, 30% on $500—$1,000, 40% on $1,000—$2,500, 50% on $2,500—$5,000, and 60% on deposits over $5,000. The maximum bonus per deposit is $10,000, with a cumulative cap of $25,000.
Brokers That Offer Reload Bonuses
The following brokers have deposit bonus programs that extend to subsequent deposits, verified against their official terms. Use the bonus finder to filter by your country and preferred bonus type.
XM — 20% on Subsequent Deposits
XM’s deposit bonus program applies 50% on the first deposit (up to $500) and 20% on all subsequent deposits (up to $4,500 cumulative). Total cap: $5,000 combined. Available through XM Global (IFSC Belize) for emerging market clients. Volume requirement: Check broker website for current details. Not available under CySEC, ASIC, or DFSA entities.
FBS — Tiered 10%—60% on Subsequent Deposits
FBS offers 100% on the first deposit and a tiered reload from 10% to 60% on subsequent deposits, scaling with deposit size. Maximum per deposit: $10,000. Cumulative cap: $25,000. Bonus expires after 28 days of inactivity. Available through FBS Markets Inc. (FSC Belize). Profits are withdrawable, but withdrawing funds causes proportional bonus removal.
InstaForex — 30% on Every Deposit
InstaForex’s Welcome Bonus 30% applies to every deposit with no stated maximum. Volume requirement: bonus amount multiplied by 3 in InstaForex lots (note: 1 standard lot = 10 InstaForex lots). Cannot be combined with other bonus types on the same account. Available through InstaForex (BVI FSC).
RoboForex — Up to 120% Classic Bonus on All Deposits
RoboForex’s Classic Bonus applies to the first and all subsequent deposits, offering up to 120% match with a $50,000 total cap. Available on MT4/MT5 cent and standard accounts. Volume requirement: Check broker website for current details. Withdrawing funds cancels all active Classic Bonuses.
Vantage — 25% on Subsequent Deposits
Vantage runs two deposit bonus variants, both featuring ongoing reload components. The primary structure offers 150% on the first deposit (up to $1,500), then 25% on subsequent deposits, capped at $50,000 total. Volume requirement: 10 standard lots per $100 of bonus credit. Not available in EU, UK, Australia, US, or Japan.
Windsor Brokers — 20% on Each Deposit
Windsor Brokers applies 20% on each deposit up to $10,000 cumulative. Minimum deposit per transaction: $500. Bonus is non-withdrawable trading margin. Withdrawing funds removes the entire bonus. Not available in US, Malaysia, EU, or UK.
OctaFX (Octa) — 50% on Each Deposit
Octa offers 50% on each deposit with a $50 minimum. Volume requirement: bonus amount divided by 2 in standard lots. Gold and Platinum tier clients benefit from reduced lot requirements.
LiteFinance — 15% on Subsequent Deposits (Non-Stop Bonus)
LiteFinance’s Non-Stop Bonus offers 30% on the first deposit (minimum $1,000) and 15% on subsequent deposits (minimum $300). Volume requirement: at least 50 trades with total volume of 30% of bonus amount in lots. Six-month expiry from bonus payment.
For full broker reviews, visit the broker comparison page.
Five Terms to Check Before Claiming a Reload Bonus
Reload bonuses carry the same structural risks as any deposit bonus. The repeatable nature makes it even more important to evaluate these five terms before each deposit.
1. Volume (Lot) Requirement
Every reload bonus requires you to trade a specific volume before the credit converts to withdrawable funds. The formula varies by broker — some use a simple multiplier (bonus amount times 3), others use a lots-per-dollar ratio (10 lots per $100). Use our turnover calculator to convert the requirement into actual trade count based on your typical position size.
2. Time Limit
Some reload bonuses have no stated expiry but include inactivity clauses. FBS removes the bonus after 28 days without a new deposit or trade. XM forfeits bonus credit after 90 days of inactivity. Check whether the clock resets with each deposit or runs from the original credit date.
3. Withdrawal Impact
This is the most critical term. Most brokers deduct bonus credit proportionally (or entirely) when you withdraw funds. If you have $1,000 in balance and $200 in reload bonus credit, withdrawing $500 may remove $100 of that bonus. Some brokers remove the entire bonus on any withdrawal. Understand this before you plan your funding and withdrawal cycle.
4. Cumulative Cap
Reload bonuses are repeatable, but most have a total ceiling. XM caps all deposit bonus credit at $5,000 combined. FBS caps at $25,000. Vantage caps at $50,000. Once you hit the cap, additional deposits receive no bonus credit. Factor this into your long-term funding plan.
5. Account Type Restrictions
Not every account type qualifies for reload bonuses. XM excludes Zero Accounts and Ultra Low Accounts from its deposit bonus program. Vantage limits bonuses to specific tiers. Confirm which account type you hold (or plan to open) is eligible before depositing. Our bonus calculator helps estimate total credit based on your planned deposit and account type.
When a Reload Bonus Makes Sense (and When It Does Not)
A reload bonus is worth claiming when your deposit schedule already matches the bonus terms. If you plan to deposit $500 monthly and the broker offers a 20% reload with achievable volume requirements, the extra $100 per month in trading margin adds up without forcing any behavior change.
A reload bonus is not worth claiming when meeting the volume requirement forces you to overtrade. If your strategy generates five lots per month and the reload bonus requires fifty, you would need to place speculative trades outside your system just to unlock the credit. That approach typically costs more in losing trades than the bonus credit is worth.
The test is simple: would you make these deposits and trades without the bonus? If yes, the reload is free additional margin. If no, the bonus is changing your behavior in ways that likely hurt your account.
Frequently Asked Questions
What is the difference between a reload bonus and a deposit bonus?
A deposit bonus is the broad category. A reload bonus is a specific type of deposit bonus that applies to subsequent deposits (your second, third, or later funding). Welcome bonuses and first-deposit bonuses are also deposit bonuses, but they only apply once. A reload bonus is designed to be claimed repeatedly.
Can I claim a reload bonus more than once?
Yes, that is the defining feature. Reload bonuses apply each time you deposit (subject to per-deposit and cumulative caps). Some brokers allow unlimited reloads up to a total ceiling, while others apply a fixed number of eligible deposits.
Do reload bonuses have the same volume requirements as welcome bonuses?
Usually, yes. Most brokers apply the same lot-per-dollar formula across all deposit bonus tiers. However, some (like Octa) reduce the volume requirement for loyalty program members at higher tiers. Always check the terms for your specific bonus tier.
Are reload bonuses available in my country?
Forex bonuses, including reload bonuses, are banned for retail traders in the EU, UK, Australia, and the US. Traders in Nigeria, South Africa, India, Indonesia, Malaysia, the Philippines, Pakistan, Bangladesh, and parts of the Middle East and Latin America typically qualify through brokers’ offshore entities. Confirm eligibility on the broker’s site before depositing.
What happens to my reload bonus if I withdraw funds?
Most brokers apply proportional deduction — withdrawing a percentage of your balance removes the same percentage of your bonus credit. Some brokers (like Windsor) remove the entire bonus on any withdrawal. Check the broker’s specific withdrawal-and-bonus policy before funding.