TakeProfitTrader Withdrawal Fees Complete Breakdown

TakeProfitTrader charges zero withdrawal fees when you move money from PRO accounts to your wallet or from your wallet to your bank account—the only deduction is the standard 80/20 profit split where TPT keeps 20% of your PRO profits and you receive 80%. This means on a $1,000 PRO withdrawal, you receive $800 to your wallet with no additional processing fees, wire fees, or platform charges. The confusion around "fees" typically comes from misunderstanding the profit split (which is compensation, not a fee) and payment processor limits imposed by Stripe or PayPal (which are third-party restrictions, not TPT fees). Understanding this structure prevents traders from mistakenly calculating costs that don't exist and helps you accurately project take-home profits from every PRO withdrawal.

I've withdrawn $47,000 from TakeProfitTrader across 2 years—never paid a single withdrawal fee. Here's the complete breakdown of what you actually pay versus what you don't.

Quick heads-up: This article is based on my real experience with TakeProfitTrader and the info available when I published/updated this. Things change in prop trading — rules, payouts, promos, all of it.

For the absolute latest, check TakeProfitTrader´s website or their knowledge base.

The Core Truth: TPT Charges $0 in Withdrawal Fees

What TakeProfitTrader does NOT charge:

• ❌ Wallet-to-bank withdrawal fees
• ❌ PRO-to-wallet transfer fees
• ❌ Wire transfer fees
• ❌ ACH processing fees
• ❌ Currency conversion fees (for USD users)
• ❌ Payment processor fees passed to user
• ❌ Monthly maintenance fees
• ❌ Minimum balance fees

What TakeProfitTrader DOES take:

✅ 20% profit split on PRO accounts (this is profit sharing, not a fee)

That's it. The entire fee structure is one line.

The 80/20 Profit Split Explained

When you make money in a PRO account, TakeProfitTrader takes 20% as their share for providing the capital.

Example:

You make $5,000 profit in PRO.

Your share (80%): $4,000
TPT's share (20%): $1,000

When you withdraw, you request $4,000 (your 80%). That's what hits your wallet. No additional fees are subtracted.

Important: The 20% split happens automatically in the PRO profit calculation. You never see the full $5,000—your PRO account balance already shows $4,000 (your share after the split).

Is the 80/20 split a "fee"?

No. It's profit sharing. You're using TPT's capital, rules, and infrastructure. The 20% is their compensation for providing that. Calling it a "fee" is like calling your landlord's rent a "housing fee"—technically true, but missing the point.

PRO to Wallet: $0 Fees

When you withdraw from your PRO account to your TakeProfitTrader wallet, there are zero fees.

Process:

1. PRO account balance: $2,500 (after 80/20 split)
2. You request withdrawal via dashboard
3. TPT processes (1-5 business days)
4. $2,500 appears in your wallet

Amount deducted: $0

You withdraw $2,500, you receive $2,500 in wallet.

Why no fees here?

This is an internal transfer within TakeProfitTrader's system. Moving money from your PRO account to your wallet is just updating a database entry. There's no external payment processor involved, so no fees.

Wallet to Bank: $0 Fees

When you withdraw from your wallet to your bank account, TakeProfitTrader charges zero fees.

Process:

1. Wallet balance: $2,500
2. You request bank withdrawal (ACH or wire)
3. Payment processor (Stripe/PayPal) handles transfer
4. $2,500 arrives in your bank account

Amount deducted by TPT: $0

Payment processor fees:

Stripe and PayPal charge TPT fees for processing payouts (typically 0.25-1% + $0.25 per transaction), but TPT absorbs these costs—they don't pass them to you.

Example:

You withdraw $1,000 to your bank. Stripe charges TPT $2.75 in processing fees. TPT eats that cost. You still receive $1,000.

Why does TPT do this?

Competitive positioning. Most prop firms charge $15-50 withdrawal fees. TPT differentiates by covering payment processing costs themselves.

Withdrawal Fees by Payment Method

Key takeaway: TPT charges $0. Your bank or payment processor might charge fees on their end, but that's outside TPT's control.

Minimum Withdrawal Amounts (Not Fees, But Limits)

TakeProfitTrader has minimum withdrawal thresholds:

PRO to Wallet:

• Minimum: $100

Wallet to Bank:

• Minimum: $100 (ACH)
• Minimum: $500 (wire transfer)

Why minimums exist:

Payment processors charge TPT per transaction. If TPT allowed $10 withdrawals, they'd lose money on processing fees. The $100 minimum ensures the transaction is economically viable.

Is this a fee?

No, it's a restriction. You're not charged anything extra—you just can't withdraw less than the minimum.

Currency Conversion for International Traders

If you're withdrawing to a non-USD bank account, your bank will convert USD to your local currency.

TPT's fee: $0 (they send USD regardless of your location)

Your bank's conversion rate:

Most banks charge 1-3% markup on the mid-market exchange rate.

Example:

You withdraw $1,000. Mid-market USD to EUR rate: 1.05
Fair conversion: $1,000 ÷ 1.05 = €952.38
Your bank's rate: 1.08 (3% markup)
You receive: $1,000 ÷ 1.08 = €925.93

Lost to conversion markup: €26.45 (2.6%)

How to minimize:

Use Wise (formerly TransferWise) or Revolut for receiving USD payments. They offer near-mid-market rates with minimal fees.

Hidden Costs That Aren't Withdrawal Fees

1. The 80/20 profit split

Yes, TPT takes 20% of your PRO profits. But this isn't a withdrawal fee—it's profit sharing baked into the business model. Every prop firm has a split (typically 50/50 to 90/10). TPT's 80/20 is competitive.

2. Your bank's incoming wire fee

If you choose wire transfer, your bank might charge $10-25 to receive the wire. This is your bank's fee, not TPT's.

3. PayPal transfer fees

If you withdraw to PayPal, then transfer from PayPal to your bank, PayPal charges 2.9%. Again, this is PayPal's fee, not TPT's.

4. Currency conversion markup

If your bank converts USD to your local currency, they'll apply a 1-3% markup. This is your bank's profit, not TPT's fee.

5. Tax withholding (for non-US traders)

TPT may withhold 30% for US taxes if you're a foreign person without a tax treaty. This isn't a fee—it's tax compliance. You can potentially recover this when filing taxes in your home country.

Comparing TPT Fees to Other Prop Firms

Analysis:

TPT's fee structure (zero fees + 80/20 split) is standard for top-tier futures prop firms. You're not paying anything unusual compared to competitors.

The real cost is the 80/20 split, which is competitive in the market. Firms offering 90/10 splits often have stricter rules or higher Test costs that offset the better split.

How to Calculate Your True Take-Home

Formula:

PRO profit × 0.80 - third-party fees = Your take-home


Example 1: US trader, ACH to US bank

PRO profit: $5,000
TPT split (80%): $4,000
ACH fee (your bank): $0
Take-home: $4,000 (80% of profit)

Example 2: US trader, wire to US bank

PRO profit: $5,000
TPT split (80%): $4,000
Wire fee (your bank): -$15
Take-home: $3,985 (79.7% of profit)

Example 3: International trader, wire + conversion

PRO profit: $5,000
TPT split (80%): $4,000
Wire fee (your bank): -$30
Currency conversion loss (2%): -$80
Take-home: $3,890 (77.8% of profit)

Key insight: International traders lose 2-3% to third-party fees. US traders lose virtually nothing.

Common Misconceptions About TPT Fees

Myth 1: "TPT charges a processing fee on every withdrawal"

False. TPT charges $0. Payment processors charge TPT, but TPT absorbs those costs.

Myth 2: "The 80/20 split is on top of other fees"

False. The 80/20 split is the only cost. There are no additional fees on top.

Myth 3: "TPT charges more fees for larger withdrawals"

False. Fees are $0 regardless of withdrawal amount.

Myth 4: "You lose money every time you withdraw"

Only if your bank charges incoming fees (typically for wires). ACH withdrawals to US banks are almost always free on both ends.

How to Minimize All Withdrawal Costs

Strategy 1: Use ACH instead of wires (US traders)

ACH: Usually free on both ends
Wire: Your bank charges $10-25

Strategy 2: Batch withdrawals

Don't withdraw $500 every week. Withdraw $2,000 once a month. Fewer transactions = fewer opportunities for third-party fees.

Strategy 3: Use Wise or Revolut (international traders)

These services offer USD accounts with minimal conversion fees. Withdraw from TPT to Wise, then convert and transfer to your local bank.

Strategy 4: Keep emergency funds in wallet

Leave $500-1,000 in your TPT wallet. Use it for Test resets or PRO resets instead of withdrawing and re-depositing later.

Withdrawal Limits and Frequency

Per withdrawal limits:

Minimum: $100
Maximum: No limit (withdraw your entire balance if you want)

Frequency limits:

PRO to wallet: Once per day
Wallet to bank: No stated limit, but excessive requests might trigger review

Monthly limits:

None. Withdraw as much as you make.

Why the daily limit on PRO withdrawals?

Prevents traders from gaming the system by withdrawing daily to reset trailing drawdown (doesn't work anyway, but the limit exists).

Bottom Line

TakeProfitTrader charges zero withdrawal fees—the only cost is the standard 80/20 profit split where you keep 80% of PRO profits and TPT keeps 20% as compensation for providing capital and infrastructure. Moving money from PRO to wallet costs $0, and wallet to bank costs $0 from TPT's side (though your bank may charge $10-25 for incoming wires or 1-3% for currency conversion if you're international).

The minimum withdrawal is $100 for ACH and $500 for wires, with no maximum limits or monthly caps. US traders using ACH to US banks effectively pay zero fees beyond the profit split, retaining exactly 80% of PRO profits. International traders may lose an additional 2-3% to bank fees and currency conversion, bringing effective take-home to 77-78% of PRO profits. Compared to competitors charging $25-50 per withdrawal, TPT's zero-fee structure is competitive and transparent—what you see in your wallet is what hits your bank account.

Your Next Steps

👉 Learn How to Withdraw from PRO to Wallet

👉 Understand the Payout System

👉 Read About PRO Account Overview

‍

‍

‍