200 Invest: balance tiers, overnight charges and dormant accounts

The six account levels are balance tiers of the same brand. The higher tiers reduce selected spread/rollover charges; they do not create a different regulated legal entity. USD is the account currency and non-USD deposits are converted.[2][5]

View full spreads & trading costs

The brand advertises more than 200 CFDs across forex, major stock-market indices, commodities, individual stocks and crypto. The trading-conditions page actually distinguishes maximum leverage by class: up to 1:200 for FX and specified metals, 1:100 for indices and other commodities, 1:10 for share CFDs, and just 1:2 on crypto CFDs.[3][1]

The differences matter for an investor estimating exposure from a USD 200 deposit. A USD 2,000 crypto CFD notional at 1:2 requires about USD 1,000 initial margin before a spread or volatility buffer, whereas the same 2,000 notional at 1:200 on a permitted major FX contract suggests about USD 10 margin. This comparison is algebraic and does not claim either trade is actually affordable or available in the account.[3][1]

The detailed schedule’s overnight charges and dormancy fee dominate the cost of holding or abandoning a small account. The 0% dealing-commission headline does not cancel either charge.[3][1]

This calculated scenario applies one published overnight charge without tier discounts or conversion. It does not assume a multi-day rollover calendar or constant market value. The crypto rate is 25 times the non-crypto rate for the same charging base.[3]

These are product ceilings. The special protected-position terms use a lower ratio and should not be merged with ordinary account leverage or described as statutory insurance.[3]

The published trading conditions require a USD 200 initial deposit and convert non-USD contributions into USD account currency. That conversion is a real financial change even if the webpage markets commission-free CFD dealing. Withdrawal amounts also depend on open margin, settlement, pending charges and the status of promotional credit.[3]

The same policy contains a “credit-out” mechanism: after 45 days with no activity and, importantly, no open positions, entry orders or deposit transactions during that period, the company may remove trading credit. Removing a credit balance can affect account equity and margin independently of cash deposits. A $500 quarterly inactivity fee can be extremely material for a small idle account; the company may instead close low-balance inactive accounts and retain a lesser administration sum.[3]

The official Seychelles FSA capital-markets directory names VIE FINANCE SEY LTD and lists trade names “Zenstox”, “Sencillo” and “200 Invest”. This independently resolves a potential duplication trap: 200 Invest is an additional consumer brand and can justify its own account-tariff reference, but it is not another separately licensed dealer next to the already covered Zenstox group identity.[5][1][2]

The 200 Invest site displays SD123 as the operator’s Seychelles dealer licence number. The FSA public extract confirms the entity and brand link but does not display the number in the retrieved list, so number verification remains a company-source claim. Website promises of security and “protected positions” do not establish a statutory personal insurance payout or a risk-free leveraged contract.[5][1][2]

The company publishes direct support addresses and a telephone contact separate from marketing sales funnels. Due diligence should start with the exact site, signed VIE FINANCE SEY agreement and customer-support case history rather than assuming assistance from Zenstox or Sencillo automatically administers the same 200 Invest ledger.[4][3]

An account holder challenging an inactivity debit should preserve last login, last executed trade, last transaction, the three-month elapsed period and the version of terms used at the time of deduction. A bonus credit-out dispute needs evidence of open positions, pending orders and deposits over the preceding 45 days; these exceptions materially affect the company’s right to remove credit.[4][3]

200 Invest advertises account-level discounts that rise with balance. The site limits the reduced spread/rollover benefit to particular reference assets—including EURUSD, gold, Brent, Nasdaq and S&P500—rather than all instruments. A reader who trades crypto or an unlisted share CFD should not automatically apply a Titanium VIP 50% discount to that position.[2][3]

The account page also promotes a varying quantity of “initial protected positions”, but the visible text does not allow all quantities to be reliably mapped to specific eligible tiers or to enforceable claim payouts without the full terms. The benefit should not be described as personal insurance. No verified FIX, third-party copying termination mechanics or autonomous AI execution authority emerged from the source documents.[2][3]

The Seychelles FSA lists 200 Invest, Zenstox and Sencillo under VIE FINANCE SEY LTD. They share a legal dealer; a different consumer brand does not create another financial licence or a separate pool of regulatory capital.[5][3][1]

The service is international-facing and derivative-centric, covering major FX, index CFDs, commodities, shares and cryptocurrency CFDs through a proprietary web/mobile experience. The company’s site gives SD123 as the authorisation number and publicly lists multiple web domains. The account’s own contract and payment portal should control; older marketing or a related brand’s terms must not be silently substituted for the October 2026 200 Invest service.[5][3][1]