4XC Review 2026

The basic trading model

4XC operates as an STP/NDD broker and offers floating spreads. Its tradeable categories include forex, metals, indices, cryptocurrencies and forward contracts. Forex, indices, commodities and cryptocurrencies are offered as leveraged derivatives; 4XC does not offer stocks or bonds.

Self-directed trading is available through MT4 and MT5. Traders can also use copy and social trading to follow signal providers, while PAMM accounts allow investors to allocate funds to a professional manager. Forward contracts are a separate MT5 product for B3 Brazilian futures and forwards.

Important regional differences

4XC is headquartered in the Cook Islands, and its restricted countries include the Cook Islands, the United States, Iraq, Iran, Myanmar, North Korea, Portugal and Ukraine. The available website languages are English, Portuguese and Spanish. Product availability can also vary by jurisdiction, particularly for cryptocurrency exposure.

Trading costs

4XC uses floating spreads. The table gives average spreads for the instruments with published averages; these are averages, not minimum advertised spreads. The Standard account is commission-free for forex, metals, indices and oil. Pro and VIP have spreads from 0.0 pips and charge commissions; the FX and metals round-turn commissions are $5 per lot on Pro and $4 per lot on VIP.

Minimum advertised spreads are from 1.0 pip on Standard and from 0.0 pips on Pro and VIP. Those minimums should not be confused with the average spreads in the table.

Non-trading costs

Deposits have no 4XC broker fee, but withdrawal charges depend on the route. Published examples include £10 for SEPA bank transfers, $49 for SWIFT, $10 for cryptocurrency, 3% for card withdrawals and 2%–3% for some mobile wallets or payment processors. Published withdrawal routes range from free to 3%, and VIP withdrawals are fee-free; the applicable amount depends on the specific route.

Inactive accounts incur a $30 monthly fee after one month. A 1% currency conversion fee applies when transferring funds between trading accounts with different base currencies. Overnight swap charges apply to leveraged positions held past the daily market cut-off, usually 22:00 UK time. Triple swaps apply on Wednesday nights for forex, metals and bonds, and typically on Friday nights for energies, indices and cryptocurrencies.

Swap-free conditions are limited to Standard accounts and apply for the first 30 days; after that, the account automatically converts to a standard interest-bearing account. Pro and VIP accounts pay standard overnight financing costs.

Cost takeaway

Standard avoids forex and metals commissions but has wider spreads than the raw-spread Pro and VIP accounts. Pro and VIP may be more relevant to higher-volume FX or metals traders comparing commission-inclusive costs, while withdrawal fees and the short inactivity-fee grace period matter to clients who move money frequently or trade intermittently.

Account options

The main self-directed choice is between Standard's commission-free pricing and Pro or VIP's tighter spreads with per-lot commissions on FX and metals. Investment is a managed-strategy route rather than another self-directed pricing tier. Forward Contracts serve a separate purpose and are restricted to MT5.

Platform choices

Base currency and account configuration

Trading-account base currencies include USD, EUR and GBP; BRL is available on MT5 only. Transferring funds between accounts with different base currencies incurs a 1% conversion fee. 4XC offers a demo account. Islamic swap-free conditions apply only to Standard accounts and last 30 days before automatic conversion to a standard interest-bearing account.

4XC offers leveraged exposure across several market categories, but it does not offer stock or bond trading. The cryptocurrency products are generally leveraged derivatives rather than wallet ownership.

Order execution

4XC uses an STP/NDD execution model, routing orders to liquidity providers rather than operating a dealing desk. Spreads float, and normal market execution can result in fills away from the requested price. 4XC reports average ping speeds of around 60 milliseconds on MT5; this is a platform ping figure, not a guarantee of execution price or fill quality.

Leverage, margin and stop-out

Forex leverage reaches 1:500 across Standard, Pro and VIP accounts. Leverage for other instruments, including cryptocurrencies and indices, may vary. The margin-call level is 100%, and stop-out is 50%. Forward Contracts have separate limits: up to 1:100 for Mini Dollar and 1:200 for Mini Index.

Trading restrictions

4XC allows scalping, hedging, news trading and automated strategies. MT4 and MT5 support Expert Advisors, and VPS hosting is available subject to account activity or balance criteria. 4XC does not offer a separate standalone REST or FIX API for custom development.

Day-to-day usability

Both MT4 and MT5 offer desktop, web and mobile access. Full EA development and automation are desktop/VPS-centric, so browser and mobile versions are primarily for trading and monitoring. One-click trading and Depth of Market are available on MT4 and MT5 for scalping, while a demo account lets clients practice before funding a live account.

1. Eligibility

4XC restricts residents of the Cook Islands, the United States, Iraq, Iran, Myanmar, North Korea, Portugal and Ukraine. Product availability may also vary by jurisdiction.

2. Registration

Choose a live or demo account and select an account type. The live self-directed options are Standard, Pro and VIP, with minimum deposits of $50, $100 and $10,000 respectively. Investment and Forward Contracts are separate account options.

3. Verification

KYC verification is required before funding and trading. Submit a clear, color copy of a valid passport, national ID card or driving licence. The identity document must remain valid for at least three months and show your full name, date and place of birth, and expiry date. Proof of address can be a utility bill, bank or card statement, or rental agreement in your name and dated within the last six months.

4. Initial funding

Each Standard, Pro or VIP account has its own minimum deposit. Deposits have no 4XC broker fee; bank transfers normally take 1–3 business days, while card, e-wallet and cryptocurrency deposits usually appear immediately. Payment-provider charges may still apply.

5. Getting ready to trade

Select MT4 or MT5 for self-directed trading and install the desktop or mobile application, or use the web platform. Desktop or VPS access is needed for full EA and custom-script functionality. The Investment/PAMM interface is for allocating capital to strategies, while Forward Contracts use MT5.

Deposits

Method	Minimum	Broker Fee	Broker Processing	Expected Settlement
Apple Pay	$50	No broker deposit fee	Instant	Instant
Bitcoin	$50	No broker deposit fee	Instant	Instant
Ethereum	$50	No broker deposit fee	Instant	Instant
Google Pay	$50	No broker deposit fee	Instant	Instant
Mastercard	$50	No broker deposit fee	Instant	Instant
Skrill	$50	No broker deposit fee	Instant	Instant
Tether	$50	No broker deposit fee	Instant	Instant
Visa	$50	No broker deposit fee	Instant	Instant
Wire Transfer	$50	No broker deposit fee	1–3 business days	1–3 business days
Advcash	$50	No broker deposit fee	Instant	Instant
Neteller	$50	No broker deposit fee	Instant	Instant
PayRetailers	$50	No broker deposit fee	Instant	Instant
Sticpay	$50	No broker deposit fee	Instant	Instant

Funding options include cards, e-wallets, cryptocurrency and bank transfer. Broker processing and final settlement can differ; bank deposits normally take 1–3 business days, while card, e-wallet and crypto deposits usually appear immediately.

Withdrawals

Method	Minimum	Broker Fee	Broker Processing	Expected Settlement
Apple Pay	$20	Method-specific, published 4XC routes range from free to 3% (VIP withdrawals are fee-free)	Broker processing within 24 business hours	Broker processing within 24 business hours
Bitcoin	$20	$10 on the published crypto route, exact route/network can vary	Broker processing within 24 business hours	Broker processing within 24 business hours
Ethereum	$20	$10 on the published crypto route, exact route/network can vary	Broker processing within 24 business hours	Broker processing within 24 business hours
Google Pay	$20	Method-specific, published 4XC routes range from free to 3% (VIP withdrawals are fee-free)	Broker processing within 24 business hours	Broker processing within 24 business hours
Mastercard	$20	Method-specific, published 4XC routes range from free to 3% (VIP withdrawals are fee-free)	Broker processing within 24 business hours	Broker processing within 24 business hours
Skrill	$20	Method-specific, published 4XC routes range from free to 3% (VIP withdrawals are fee-free)	Broker processing within 24 business hours	Broker processing within 24 business hours
Tether	$20	$10 on the published crypto route, exact route/network can vary	Broker processing within 24 business hours	Broker processing within 24 business hours
Visa	$20	Method-specific, published 4XC routes range from free to 3% (VIP withdrawals are fee-free)	Broker processing within 24 business hours	Broker processing within 24 business hours
Wire Transfer	$20	$10 on the published bank-transfer route, exact route can vary	Broker processing within 24 business hours	Broker processing within 24 business hours
Advcash	$20	Method-specific, published 4XC routes range from free to 3% (VIP withdrawals are fee-free)	Broker processing within 24 business hours	Broker processing within 24 business hours
Neteller	$20	Method-specific, published 4XC routes range from free to 3% (VIP withdrawals are fee-free)	Broker processing within 24 business hours	Broker processing within 24 business hours
PayRetailers	$20	Method-specific, published 4XC routes range from free to 3% (VIP withdrawals are fee-free)	Broker processing within 24 business hours	Broker processing within 24 business hours
Sticpay	$20	Method-specific, published 4XC routes range from free to 3% (VIP withdrawals are fee-free)	Broker processing within 24 business hours	Broker processing within 24 business hours

4XC processes withdrawals within 24 business hours. That is the broker-processing window, not a guarantee of when funds arrive; payment-provider arrival times vary by method. Card withdrawals typically take 7–10 business days, while bank transfers typically take 1–3 business days and crypto or e-wallet withdrawals are typically completed within 24 hours.

Availability

Support operates around the clock from Monday to Friday, with a shorter Saturday window and no Sunday service. The hours use GMT+2.

How traders can get help

Clients can contact 4XC by live chat, email or phone, or speak with an account manager. Support languages include English, Spanish, Arabic, French, Portuguese, Russian, Romanian, Greek, Korean, Serbian, Latvian and Somali.

Support limitations

Customer feedback is generally positive about response speed and practical guidance, although some users report withdrawal difficulties and lengthy verification cases. These complaints appear less common than positive experiences, but withdrawal or account-verification issues may require follow-up.

4XC is operated by 4xCube Ltd and is headquartered in the Cook Islands. Its regulatory jurisdiction is the Cook Islands, and its regulator is the Financial Supervisory Commission (FSC). The company is privately held and does not offer an investor compensation scheme.

Legal entities and regulators

4XC identifies the Cook Islands FSC as its regulator. The regulatory arrangement and compensation position described here relate to the Cook Islands; they should not be treated as equivalent to an investor compensation scheme.

Client money protections

4xCube Ltd segregates client funds from company operating capital in dedicated accounts. The accounts are regularly reviewed and audited by external firms, including McMillan Woods. 4XC also offers negative balance protection: retail clients are generally covered by default for FX and metals, while protection for other asset classes may not be guaranteed. Professional clients could still lose more than their deposits.

There is no investor compensation scheme. Segregation and negative balance protection address different risks and do not remove the possibility of trading losses.

Company transparency

4xCube Ltd is a privately held broker operator, founded in 2018, with its headquarters in Parekura Place, Avarua, Rarotonga, Cook Islands. It is not publicly traded.

Important distinction

Negative balance protection can limit eligible clients' trading losses on covered products; it is not compensation for losses if the broker fails. Segregated client funds and trading-loss protections should not be mistaken for an investor compensation scheme.

What the headline claim suggests

Forex leverage up to 1:500 and spreads from 0.0 pips on Pro and VIP can make 4XC appear cost-efficient for active traders. Those headline terms are only part of the decision: Pro and VIP charge commissions, and 4XC has no investor compensation scheme.

What happens in practice

The Standard account starts at $50 and has no commission on forex, metals, indices and oil, but its minimum spread is from 1.0 pip. Pro starts at $100 and VIP at $10,000; both advertise spreads from 0.0 pips and charge commissions on FX and metals. Withdrawal charges vary by payment route, and a $30 monthly inactivity fee begins after one month.

Who should care most

Active traders should compare commissions with the spread they actually pay, rather than relying on a minimum-spread headline. Clients who value compensation protection, keep accounts inactive, or withdraw often should pay particular attention to the regulatory and fee terms.

Practical example

A trader choosing VIP to access its $4 round-turn commission per FX or metals lot must also meet the $10,000 minimum deposit. A trader with less capital may consider Pro, which has a $100 minimum and a $5 round-turn commission on those lots, or Standard, which begins at $50 and charges no commission on forex and metals.

Consider 4XC if you...

• Prefer MT4 or MT5 and want to use Expert Advisors, with desktop or VPS access for full automation.
• Want copy trading, HokoCloud social investment or PAMM allocation alongside self-directed trading.
• Are comfortable with the Cook Islands regulatory jurisdiction, no investor compensation scheme and variable withdrawal charges.

You may want to look elsewhere if you...

• Require an investor compensation scheme.
• Need swap-free terms on a Pro or VIP account, since Islamic conditions apply only to Standard and last 30 days.
• Trade infrequently or withdraw regularly and want to avoid a monthly inactivity charge or method-specific withdrawal fees.

4XC's clearest proposition is its MT4/MT5 setup for forex traders who want copy trading or EA-based automation, with forex leverage up to 1:500. Its biggest compromise is the Cook Islands framework without an investor compensation scheme, alongside variable withdrawal charges. Traders comfortable with that protection trade-off and who compare account spreads against commissions are most likely to find the offer workable.

This review considers 4XC's account conditions, trading costs, instruments, platforms, execution policies, funding terms, support, regulatory position and client-money protections. Broker claims, regulatory information and user feedback are treated separately; no personal trading test is claimed here. For more detail on how brokers are assessed, see our review methodology.