UPI
- Deposit
- Instant
- Withdrawal
- 15 min – 4 hours
- Fee
- Free
- Minimum
- ₹1,000
India only. Instant confirmation; withdrawals to the linked VPA.
Funding & withdrawals
Fund in minutes. Withdraw without friction.
Deposit with the rails you already use — UPI, IMPS, cards or USDT — and withdraw back to the same source. No Candle Key funding fees, no minimum trading requirement.
Processing times are measured after internal approval and depend on the provider, banking hours and verification status.
At a glance
$0
Deposit fees
15 min
Fastest withdrawal
₹1,000
Minimum deposit
Segregated
Client funds
Methods
Use the rail that fits the amount.
Small top-ups move fastest on UPI. Larger balances are better on bank transfer or wire. All methods credit the same wallet and can be combined on one account.
Bank transfer (IMPS / NEFT)
- Deposit
- 15 min – 2 hours
- Withdrawal
- Same business day
- Fee
- Free
- Minimum
- ₹1,000
Domestic INR rails. Include the reference shown on the deposit screen.
Visa / Mastercard
- Deposit
- Instant
- Withdrawal
- 1 – 3 business days
- Fee
- Free (issuer fees may apply)
- Minimum
- $10
Withdrawals are returned to the same card up to the deposited amount.
Skrill / Neteller
- Deposit
- Instant
- Withdrawal
- Under 24 hours
- Fee
- Free
- Minimum
- $10
Wallet name must match the trading account holder.
USDT (TRC-20)
- Deposit
- Under 10 minutes
- Withdrawal
- Under 30 minutes
- Fee
- Network fee only
- Minimum
- $20
Send on TRC-20 only. Other networks are unrecoverable.
International wire
- Deposit
- 1 – 3 business days
- Withdrawal
- 1 – 3 business days
- Fee
- Bank-dependent
- Minimum
- $250
For larger balances outside India. Intermediary bank fees may apply.
| Method | Currency | Min deposit | Max per transaction | Availability |
|---|---|---|---|---|
| UPI | INR | ₹1,000 | ₹2,00,000 | India, 24/7 |
| IMPS / NEFT | INR | ₹1,000 | ₹10,00,000 | India, banking hours |
| Visa / Mastercard | USD, INR | $10 | $10,000 | Global, 24/7 |
| Skrill / Neteller | USD, EUR | $10 | $10,000 | Global, 24/7 |
| USDT TRC-20 | USDT | $20 | $50,000 | Global, 24/7 |
| International wire | USD, EUR | $250 | No fixed cap | Business days |
Limits are per transaction and may be lower for new accounts until verification is complete. Daily caps are shown in the portal.
How it works
Four steps to a funded account.
Verify your profile
Complete identity and address verification once. Deposits are accepted before full KYC, but withdrawals require it.
Choose a method
Open Funding in the portal, pick a rail and enter the amount. The fee and arrival time are shown before you confirm.
Send the funds
Follow the exact reference and account details on screen. For UPI, approve the collect request in your bank app.
Trade or withdraw
The balance updates automatically. Withdrawals go back to the original source, less any amount still locked in open positions.
Depositing
- • The account holder name must match the trading profile. Third-party deposits are returned.
- • UPI collect requests expire after 10 minutes; create a new one if it lapses.
- • Bank transfers need the reference code in the narration to credit automatically.
- • Crypto deposits require the exact network — TRC-20 only for USDT.
- • If a deposit has not credited after the stated window, open a ticket with the receipt.
Withdrawing
- • Withdrawals return to the method used for deposit, up to the deposited amount.
- • Profits above the deposited amount can be sent by bank transfer or wallet.
- • Free margin must cover the request; funds in open positions stay locked.
- • Requests placed after 18:00 IST may settle the next business day.
- • There is no withdrawal fee from Candle Key; providers may deduct their own.
Safety
Client money is not working capital.
Segregated accounts
Client funds are held in designated accounts separate from company money and reconciled daily by finance and operations.
Daily reconciliation
Source-bound withdrawals
Money returns to the rail it came from. This limits exposure to fraud, money laundering and unauthorised payout requests.
AML controls
Verification before payout
Identity, address and liveness checks are completed once. Withdrawals cannot be sent to a name that does not match the profile.
KYC required
Processing windows
Requests are reviewed during IST business hours, with automated approvals for verified accounts under the review threshold.
15 min target
Do not send funds to anyone who messages you
Candle Key will never ask you to deposit to a personal account, wallet or UPI ID, or to share an OTP. Only use the payment details generated inside the portal.
Chargebacks and reversals
If a deposit is reversed after trading, the account is frozen pending review and any positions may be closed. This protects both the client and the segregated pool.
Fees & limits
What you pay, and when.
| Item | Candle Key fee | Provider fee | Notes |
|---|---|---|---|
| Deposit — UPI / IMPS | Free | None | Domestic INR rails |
| Deposit — card | Free | Issuer may charge | Some issuers treat CFD funding as cash advance |
| Deposit — USDT | Free | Network fee | Paid to the blockchain, not to Candle Key |
| Withdrawal — UPI / bank | Free | None | Returned to source |
| Withdrawal — card | Free | None | Refund up to deposited amount |
| Withdrawal — wire | Free | Intermediary fees | Deducted by correspondent banks |
| Currency conversion | At cost | — | Quoted before confirmation |
| Inactivity | None | — | No dormant-account fee |
Candle Key does not charge deposit, withdrawal, maintenance or inactivity fees. Third-party provider charges are outside our control.
Before verification
Deposits up to $2,000 are accepted with basic details. Withdrawals open once identity and address verification are approved.
Open positions
Free margin, not equity, determines what can be withdrawn. Closing or reducing positions releases margin immediately.
Business days
Wire and card refunds follow banking days. UPI and wallet withdrawals can settle over the weekend.
FAQ
Funding questions.
How long do withdrawals take?
UPI and wallet withdrawals are typically processed within 15 minutes to 4 hours after approval. Card refunds take 1–3 business days and international wires 1–3 business days. Requests are reviewed during IST business hours.
Can I withdraw to someone else’s account?
No. Withdrawals must go to an account in the same name as the trading profile. This is an AML requirement and cannot be waived by support.
Do I need to verify before depositing?
You can deposit with basic details, but full identity and address verification is required before the first withdrawal. Verification is completed inside the portal and usually takes minutes.
Why is my deposit not showing?
Bank transfers need the reference code in the narration; UPI requests expire after 10 minutes. If the funds left your bank and the balance has not updated after the stated window, send the receipt and reference to support.
Are there fees for deposits or withdrawals?
Candle Key does not charge funding fees. Card issuers, banks and blockchain networks may charge their own fees, which are outside our control and shown where possible before confirmation.
Can I keep funds in multiple currencies?
Each trading account has one base currency chosen at creation — USD, EUR, GBP or INR. Funding in another currency is converted at the rate shown on the ticket before you confirm.
Get started
Fund once, trade across every market.
Open an account, verify in the portal and deposit from ₹1,000. Withdrawals go back to the same source.