A forex reload bonus (also called a redeposit bonus) is a deposit match promotion that applies to your second, third, or subsequent deposits with a broker — not just your first. While welcome bonuses reward new clients, reload bonuses reward continued funding and active trading.
For traders who regularly top up their accounts, a reload bonus can provide a steady stream of extra margin on every deposit. But the value depends entirely on the match percentage, volume requirements, and whether the bonus aligns with deposits you would make anyway.
This guide explains how reload bonuses work, what to watch in the terms, and how to identify offers worth claiming.
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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 regions including Nigeria, South Africa, India, Indonesia, Malaysia, the Philippines, Pakistan, Bangladesh, and parts of the Middle East and Latin America.
How a Reload Bonus Works
The mechanics are identical to a standard deposit match bonus, with one important distinction: it is available on deposits after your initial one.
Step-by-step:
- You already have an account. You have previously deposited and may have already claimed (and possibly cleared) a welcome bonus.
- You make a new deposit. The broker applies a percentage match to your deposit, credited as bonus trading capital.
- Volume requirements apply. You must trade a specific number of lots to convert the bonus credit into withdrawable funds.
- Time limit runs. A countdown begins from the moment the bonus is credited. Fail to hit the volume target and the bonus is removed.
Example: A broker offers a 30% reload bonus with a 1-lot-per-$3 volume requirement. You deposit $1,000 and receive $300 in bonus credit. To unlock that $300, you need to trade 100 standard lots within the specified time window. If you trade 2 lots per day, you need 50 trading days to clear it.
Reload Bonus vs. Welcome Bonus
| Feature | Welcome Bonus | Reload Bonus |
|---|---|---|
| Applies to | First deposit only | Subsequent deposits |
| Match percentage | Usually higher (50%-200%) | Usually lower (10%-50%) |
| Availability | One-time | Recurring or periodic |
| Volume requirement | Standard | Similar or slightly reduced |
| Purpose | Attract new clients | Retain active traders |
The lower match percentage on reload bonuses is offset by their repeatability. A 20% reload bonus claimed on 10 deposits throughout the year can deliver more total bonus credit than a single 100% welcome bonus on your first deposit.
Key Terms to Evaluate
Match percentage and cap
Reload bonuses typically range from 10% to 50%. The cap (maximum bonus per deposit) matters as much as the percentage. A 50% match capped at $200 on a $2,000 deposit is effectively a 10% bonus.
Volume requirement
Calculate the actual cost. If you receive $200 in reload bonus and must trade 50 lots on EUR/USD at a 1.5-pip spread, you pay roughly $750 in spread costs. That $200 bonus cost you $550 in additional trading expenses.
Use our turnover calculator to run the numbers before claiming.
Time limit
Reload bonuses often have the same 30-90 day clearing windows as welcome bonuses. Since the match percentage is lower, make sure the volume is realistically achievable in the time given.
Stacking rules
Can you hold multiple reload bonuses at once? Some brokers allow stacking, meaning you can deposit again and claim a second reload bonus before clearing the first. Others require you to complete one bonus before claiming another. Stacking can work in your favor by increasing margin, but it also compounds the total volume you owe.
Withdrawal impact
Most brokers cancel an active reload bonus if you withdraw funds before completing the volume requirement. Some deduct the bonus proportionally. Know the policy before you claim, especially if you might need to access your capital during the clearing period.
When a Reload Bonus Is Worth Claiming
A reload bonus makes sense when all of the following are true:
- You were going to deposit anyway. The bonus should not be the reason for the deposit. If you are adding $500 to your account because your trading plan calls for it, a 30% reload giving you $150 extra is a genuine benefit.
- The volume requirement is achievable through normal trading. If you typically trade 1-2 lots per day and the requirement is 40 lots in 60 days, you will clear it naturally.
- The math works. The bonus credit must be worth more than the additional spread cost of the required volume. If clearing $150 in bonus costs you $300 in spreads beyond what you would normally trade, skip it.
- No withdrawal restrictions will trap your capital. If there is any chance you need to withdraw within the clearing window, do not activate the bonus.
When to Skip It
- The match is below 15% with a high volume requirement. The economics rarely work at low percentages with demanding lot targets.
- You are depositing specifically to get the bonus. This inverts the logic. The bonus should supplement a deposit you planned, not motivate one you did not.
- The broker is unverified. A recurring bonus from an unregulated broker is bait. Verify the broker’s regulatory status and withdrawal track record through our review methodology before chasing any promotion.
- You cannot complete the volume in time. Unfinished bonus cycles waste mental energy and can restrict withdrawals for nothing.
How to Find the Best Reload Offers
Current reload and redeposit bonuses from vetted brokers are tracked in our Broker & Bonus Matrix. All figures are verified against official broker terms.
To compare reload offers:
- Bonus Finder — Filter by bonus type, match percentage, and broker.
- Compare Tool — Side-by-side comparison of any two brokers’ reload offers.
- Deposit Bonus Page — Our main hub for all deposit-based bonus offers, including reloads.
- Bonus Calculator — Model different deposit amounts and see the effective bonus value after clearing costs.
Reload Bonus Strategy Tips
Tip 1: Time your deposits. Some brokers offer enhanced reload bonuses during seasonal promotions (Ramadan, end-of-quarter, broker anniversaries). Depositing during these windows can get you a higher match percentage than the standard reload offer.
Tip 2: Combine with cashback. If the broker also offers a cashback rebate program, the rebate on the volume you trade to clear the reload bonus effectively reduces the clearing cost. This combination can make marginal reload offers worthwhile.
Tip 3: Keep records. Track each reload bonus separately: deposit date, bonus amount, volume required, volume completed, and deadline. Multiple overlapping bonuses get confusing fast.
Tip 4: Start with the welcome bonus. If you are new to a broker, claim the higher-value welcome bonus first. Reload bonuses will still be available for subsequent deposits once you have cleared the initial promotion.
For a broader overview of all promotion types, see our complete forex bonus guide or our breakdown of every bonus type.
Frequently Asked Questions
How is a reload bonus different from a welcome bonus?
A welcome bonus applies only to your first deposit as a new client and usually offers a higher match percentage (50%-200%). A reload bonus applies to subsequent deposits, typically at a lower match (10%-50%), but can be claimed multiple times. Both use the same mechanic: the broker adds bonus credit as a percentage of your deposit, and you must trade a set volume to unlock it.
Can I claim a reload bonus if I already have an active bonus?
This depends on the broker. Some allow bonus stacking, meaning you can hold multiple active bonuses simultaneously with their volume requirements adding together. Others require you to complete or forfeit your current bonus before activating a new one. Check the broker’s promotion terms before depositing.
Are reload bonuses available on every deposit?
Not always. Some brokers offer a permanent reload bonus on every qualifying deposit above a minimum threshold. Others run reload bonuses as periodic promotions — available for a limited time or on specific deposit numbers (e.g., your second and third deposit only). The frequency varies by broker and is specified in each offer’s terms.
What happens to my reload bonus if I withdraw early?
Most brokers cancel the active reload bonus and remove any remaining bonus credit from your account if you withdraw before completing the volume requirement. Some deduct the bonus proportionally based on how much volume you have completed. A few brokers allow partial withdrawals without affecting the bonus. Always check the specific withdrawal policy before activating a reload offer.
Risk Warning: Forex and CFD trading carries significant risk. Most retail traders lose money. Never trade with funds you cannot afford to lose.
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Written by Tim Morris · Forex industry analyst · About Tim