Moving money from a bank account into an exchange is often the first hurdle for anyone buying crypto with Taiwan dollars. Taiwan currently has seven operators that have completed anti-money laundering registration with regulators and also run trading platforms. Among them, the main platforms that support TWD bank-transfer deposits are BitoPro, MAX, HOYA BIT, XREX, and TWEX.
ABMedia compiled the deposit methods, fees, limits, and processing timelines stated on those five platforms’ official fee pages, help-center articles, and policy documents. The information was last checked on Sept. 15, 2026. If an item could not be found in official materials, it was marked as unavailable rather than filled in by assumption.
TWD deposit and withdrawal rules across five platforms
| Platform | TWD deposit fee | TWD withdrawal fee | Minimum withdrawal | Published limits |
|---|---|---|---|---|
| BitoPro | Not listed on the official website | TWD 30 per transaction | Not listed on the official website | Users are told to confirm limits in the app; linking a dedicated Bankee account raises the monthly withdrawal cap to TWD 10 million |
| MAX (MaiCoin) | No fee | TWD 30 per transaction; free when withdrawing to a linked Bankee account | TWD 100 | Not listed in the public FAQ |
| HOYA BIT | No platform fee; banks may separately charge transfer fees | Free if the linked account and trust account are at the same bank; TWD 15 per cross-bank withdrawal | Not listed on the official fee page | Not listed on the official fee page |
| XREX | TWD 0, with a minimum deposit of TWD 1 | TWD 30 under Far Eastern Bank custody; TWD 15 under KGI Bank custody, with possible extra interbank transfer fees from KGI | TWD 100 | Depends on the selected custodian bank’s per-transaction and daily limits, shown on the app deposit page |
| TWEX | No fee | Shown on the withdrawal page | Not listed in the fee policy | Deposits: TWD 1.5 million per transaction, TWD 3 million per day, TWD 10 million per month; withdrawals: TWD 1 million per transaction, TWD 2 million per day, TWD 5 million per month |
The sources cited by ABMedia were official platform pages, including BitoPro’s withdrawal guide, MAX’s fiat deposit and withdrawal fee explainer, HOYA BIT’s fee page, XREX’s withdrawal fee page, and Full Billion Digital’s fee policy.
Deposits are mostly free, with costs concentrated on withdrawals
Across the five platforms, MAX and TWEX explicitly say they do not charge for TWD deposits. XREX lists a deposit fee of TWD 0. HOYA BIT says the platform itself does not charge, though banks may still impose transfer fees under their own rules. In practice, the public disclosures suggest there is little difference on deposit costs, while the bigger gap appears on the withdrawal side.
Withdrawal fees saw a broader adjustment in 2025. In an announcement dated Feb. 26, 2025, MAX and MaiCoin said that because partner banks had changed their TWD transfer charges, the fee for personal accounts withdrawing to a linked bank account would rise from TWD 15 to TWD 30 starting March 1, 2025. Withdrawals to a linked Bankee investment account would fall from TWD 15 to TWD 0. Corporate accounts were not affected, and manually processed refunds in special cases would also cost TWD 30 per transaction. BitoPro’s official withdrawal guide currently lists the same TWD 30 charge per withdrawal.
XREX is the only one among the five to tie the fee directly to the custodian bank. According to its fee page updated on Aug. 7, 2026, users choosing Far Eastern Bank custody pay TWD 30 to withdraw, while those using KGI Bank custody pay TWD 15. KGI may also impose a separate interbank transfer fee. XREX also states that the minimum TWD withdrawal is TWD 100.
HOYA BIT uses a simpler version of a similar structure. If the linked bank account is at the same bank as the dedicated trust account, there is no transfer fee. If it is an interbank withdrawal, the platform charges TWD 15 per transaction.
All use virtual account transfers, but verification requirements differ
The TWD deposit mechanism is broadly the same across the five platforms. Users transfer funds from a verified bank account in their own name to a platform-assigned virtual account, and the money then enters a trust account. The operational difference lies in what a user has to complete before reaching that step.
TWEX gives the clearest public description of the process. Under Full Billion Digital’s trading rules, a customer must complete membership registration, identity verification, and bank-account verification, reaching security level 2 before they can use fiat top-ups, withdrawals, and virtual-asset trading services. Visitors and members who have not completed those steps can only view token prices. The rules describe the deposit action as a transfer from a bank account verified by the platform as belonging to the user, sent to a virtual account assigned by the company, with the funds placed into a trust account for trading.
HOYA BIT says on its fee page that LV 1 users can bind a bank account to activate TWD deposit services. BitoPro and MAX place the relationship between account level and limits inside their apps. BitoPro’s withdrawal guide directly tells users to confirm their deposit limit in the BitoPro app before making a TWD deposit, but those figures are not available on the public website.
TWEX is the only one to publish complete limits in public documents
TWD funding limits are the hardest item to verify from public webpages. Of the five platforms, only TWEX publishes the full figures in a public fee policy. Its documents list TWD deposit limits of TWD 1.5 million per transaction, TWD 3 million per day, and TWD 10 million per month. TWD withdrawal limits are TWD 1 million per transaction, TWD 2 million per day, and TWD 5 million per month. For crypto trading, the minimum order size is TWD 100 and the maximum per transaction is TWD 1.5 million, with no daily or monthly trading cap.
XREX ties limits to the chosen custodian bank. Its official deposit guide specifically tells users to pay attention to the selected bank’s per-transaction and daily deposit limits because if a transfer exceeds the limit, XREX will return the entire amount and charge a fee. Users who want to switch custodian banks can do so through the pencil icon at the top of the deposit page.
BitoPro, MAX, and HOYA BIT do not publish TWD deposit limits on their external webpages. Users need to check in the app or contact customer service to request an adjustment. For people moving larger amounts in a single transfer, that omission can be one of the most important points in comparing platforms.
BitoPro gives a timetable for Bankee-linked withdrawals; XREX says one to three business days
Public disclosure on withdrawal timing also varies widely. For users who have linked a “Bankee X BitoPro dedicated investment settlement account,” BitoPro laid out a specific schedule in guidance updated on April 8, 2026. Withdrawal requests set before 09:00 on a bank business day are expected to arrive by about 11:30 the same day. Requests set after 09:00 but before 13:00 are expected by about 15:30 the same day. Requests set after 13:00, outside bank business hours, or during holidays are expected by about 11:30 on the next bank business day. Linking that account also upgrades the monthly withdrawal cap to TWD 10 million.
XREX says in its official withdrawal guide that applications are reviewed within 24 hours after submission, and TWD funds usually arrive within one to three business days. The actual timeline depends on bank remittance processing, and requests submitted during national holidays are pushed back accordingly.
TWEX’s trading rules and fee policy say only that TWD withdrawal services follow bank business hours. They do not provide a more specific arrival window.
TWEX flags a pricing risk when funds are sent after the order is placed
One clause in Full Billion Digital’s trading rules has a direct impact on whether a user should fund the account first or place the order first. Article 5 states that if a customer uses fiat already held on the platform, the trade is executed immediately once the quantity is confirmed at the platform quote. But if the customer places an order first and only then sends funds by bank transfer, the company “reserves the right to execute the transaction” if the broader virtual-asset market price has materially diverged from the original quote by the time the money actually arrives.
In practical terms, if TWD is deposited before the order is placed, execution is immediate. If the transfer happens after the order, the platform keeps discretion over how to handle the price move during that gap. ABMedia also noted that TWEX currently offers only BTC and ETH for trading, and that access is limited to the “Smart Finance” section of the Taiwan Mobile app. Both points are stated in the same trading rules.
Official pages remain the primary reference for rates and eligibility
ABMedia noted that fee schedules and limits can change with bank policies, and cited MAX’s increase from TWD 15 to TWD 30 as an example. Rather than relying on memorized numbers, users may need to check the relevant official pages directly. To verify whether a platform remains a legal operator, readers can refer to the Taiwan Financial Supervisory Commission’s list of virtual asset service providers and personnel. The article says there are currently 10 entities that have completed anti-money laundering registration. For fee schedules, the authoritative references remain each platform’s own rate pages, announcements, and help-center documents.