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As an independent trader with years of experience assessing brokers, I approach questions about withdrawal reliability very conservatively—especially when the transparency of a broker’s payment processes is in doubt. With AXA, my research led me to several concerns raised by other users regarding fund withdrawals. Some individuals have reported that their accounts were frozen or that customer service became unreachable when they tried to withdraw funds. There were also troubling mentions of a sudden 25% personal income tax being required before processing withdrawals, and a general lack of clarity around the process. While AXA holds regulation in Hong Kong under the SFC, which does afford a measure of oversight and assurance, actual user experiences suggest that the day-to-day withdrawal process may not be straightforward or immediate. From my perspective, I have not found any concrete evidence—either from the broker’s public information or user feedback—that AXA offers any payment methods enabling genuinely immediate withdrawals. The lack of clear, disclosed information about withdrawal methods and timelines is itself a potential red flag for me. Given the inconsistencies and transparency issues, I would personally proceed with significant caution and ensure detailed communication with their support before committing sizable funds. For now, I cannot confirm that AXA provides any reliable, instant withdrawal option.