# Novig minimum deposit and deposit methods

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Canonical: https://novigapi.com/guides/novig-minimum-deposit
Facts checked: 2026-11-12

Novig's help center does not publish a general minimum deposit; the only published floor is the $10 minimum withdrawal. On Novig's pricing page dated 2 Sep 2026, bank transfers and stablecoin deposits are fee-free, while credit card, debit card and Apple Pay deposits carry a 3% fee shown before you confirm. (Source: [Novig Help Center: Standard and Discount Pricing](https://support.novig.com/en/articles/15062817-standard-and-discount-pricing))

## Is there a minimum deposit?

We searched Novig's help center on 12 Nov 2026 and found no article stating a general minimum deposit. OddsShopper reported the same after checking Novig's payment documentation in August 2026. What Novig does publish is a $10 minimum withdrawal, so depositing less than $10 leaves money you can trade but cannot withdraw on its own. Novig's new-member program terms also reference a $10 deposit, but that is a condition of a promotion, not an account minimum, and this page does not cover promotions.

## Deposit methods and fees

Novig deposit methods (Help Center, checked 12 Nov 2026)

| Method | Processor | Fee | Notes |
| --- | --- | --- | --- |
| Bank transfer | Stripe or Aeropay | None (discount pricing) | Novig's suggested low-cost route |
| Stablecoin (USDC or USDT) | Coinflow | None (discount pricing) | Only these two stablecoins; the deposit session expires after 60 minutes |
| Credit or debit card | Coinflow | 3% (standard pricing) | Visa, Mastercard and Discover; American Express is listed inconsistently |
| Apple Pay | Coinflow | 3% (standard pricing) | Processed through Coinflow like cards |


Novig explains the split by cost: bank and crypto deposits cost less to process than card payments, so those methods get discount pricing. Both prices appear side by side in the deposit screen. A $100 card deposit therefore costs $103 before any trade, while a $100 bank transfer arrives as $100. Method availability can vary by user and location.

> Novig's card article contradicts itself on American Express: its opening lists American Express as accepted, while its troubleshooting section says American Express cards are not currently accepted. Check the app before relying on an Amex card.

## Deposits must settle before you can withdraw them

A new deposit shows as Processing until it clears, typically within a few business days depending on the method, and only then becomes available to withdraw. You can usually trade with it sooner. Novig's example: $211.15 in cash, of which $161.15 is available and $50 is still processing. If a deposit stays in Processing longer than expected, Novig asks you to contact support with the date and amount.

## Deposits and identity verification

Identity verification is part of signup, and Novig requires it under CFTC know-your-customer rules: legal name, date of birth and address, and in some cases the last four digits of your SSN and a photo ID. A deposit made before verification is finished can still be held when you try to withdraw it, so it is simplest to complete verification before funding. Novig also checks your device location, and deposits are not possible while you are physically in Arizona, Michigan or Nevada, even if you live elsewhere. Payment method availability can also differ by user and by location, which is why some methods may not appear in your app.

## Stablecoin deposits

Coinflow accepts only USDC and USDT. If you send the wrong amount or token, Coinflow pauses the transfer and asks for a refund address in the app. Funds sent after the 60-minute session expires are returned automatically. Funds sent to an old or incorrect address need a support request with the transaction hash.

## What a deposit really costs

Cost of putting $100 into a Novig account by method (calculated from published fees)

| Method | You pay | Balance credited | Cost |
| --- | --- | --- | --- |
| Bank transfer | $100.00 | $100.00 | $0.00 |
| USDC or USDT | $100.00 | $100.00 | $0.00, before any network or exchange fees you pay elsewhere |
| Card | $103.00 | $100.00 | $3.00 |
| Apple Pay | $103.00 | $100.00 | $3.00 |


A 3% deposit fee is large relative to trading costs on Novig. Pre-game straight trades are free, and even a live taker fee at a 50% price is 1.5% of the stake. Someone who deposits by card and then trades pre-game pays more to fund the account than to trade it.

## Before you deposit

- Make sure you are eligible: 21 or older, identity verified, and physically outside Arizona, Michigan and Nevada. See [Novig legal states](https://novigapi.com/novig-legal-states).
- Prefer a bank transfer or stablecoin if you want to avoid the 3% card fee.
- Read the [fees guide](https://novigapi.com/guides/novig-fees) for trading costs and the [withdrawals guide](https://novigapi.com/guides/novig-withdrawals) for getting money out.

If you work with this data in code, Novig has an official trading API and free daily CSVs. [The Novig data API](https://novigapi.com/novig-api) is an independent, read-only layer on top: no Novig account, names resolved, intraday line history, fair prices and alerts.

## Questions

### What is the minimum deposit for Novig?

Novig does not publish a general minimum deposit. Its only published floor is the $10 minimum withdrawal, which works as a practical minimum.

### What deposit methods are available on Novig?

Bank transfer through Stripe or Aeropay, USDC or USDT through Coinflow, credit or debit card, and Apple Pay. Bank and stablecoin deposits are fee-free; cards and Apple Pay carry a 3% fee.

### Can you win real money on Novig?

Yes. Since its August 2026 relaunch Novig is a real-money exchange: winning contracts pay $1.00 each in US dollars, and you can withdraw to a bank, debit card or Venmo.

### Is Novig instant withdrawal?

Withdrawals without a manual review can often process within minutes; reviewed ones typically take up to 24 hours. The [withdrawals guide](https://novigapi.com/guides/novig-withdrawals) has the full timeline.

## Sources

- [Novig Help Center: Standard and Discount Pricing](https://support.novig.com/en/articles/15062817-standard-and-discount-pricing)
- [Novig Help Center: Using a Credit or Debit Card](https://support.novig.com/en/articles/12493780-using-a-credit-or-debit-card)
- [Novig Help Center: Why isn't my full balance available to withdraw?](https://support.novig.com/en/articles/16764991-why-isn-t-my-full-balance-available-to-withdraw)
- [Novig Help Center: Withdrawing Funds](https://support.novig.com/en/articles/16194062-withdrawing-funds)
- [OddsShopper: Novig deposits and withdrawals after the relaunch (10 Sep 2026)](https://www.oddsshopper.com/articles/prediction-markets/novig-deposits-and-withdrawals)
- [Novig Help Center: Eligibility and Legality](https://support.novig.com/en/articles/16194031-eligibility-legality)

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