Ainvesting: CFD account tiers, fixed-spread references, funding and Bulgarian oversight

Ainvesting’s retail service is a CFD offering operated by Up Trend Ltd in Bulgaria. The Standard, Premium, Platinum and VIP labels are commercial account tiers; a larger deposit does not itself establish professional-client status or different statutory protections.[1]

Applicants provide identity, address and financial information, followed by verification and an appropriateness assessment. Accepted address documents include bank statements, utility bills and rental or mortgage evidence. Document upload is offered through the web account’s verification area and the mobile help/upload route.[16]

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Ainvesting provides a browser platform for PC/Mac and separate mobile/tablet applications for iOS and Android. The platform page describes charting, indicators, market news, an economic calendar and mobile notifications. Its claim that applications offer equivalent functions was not independently tested; chart synchronization and the persistence of client-side features after disconnection are not specified.[5]

The FAQ expressly says MetaTrader 4 is unavailable. It also says Ainvesting does not manage trading accounts: investment decisions remain with the client.[9]

The execution policy states that CFD trades have no separate commission. Overnight positions can incur a premium or receive an adjustment; this is additional to the spread. A spread-only trading tariff therefore does not mean that holding an open position is free.[7]

Overnight premiums are applied around 22:00 GMT, or 21:00 during daylight saving time. The applicable instrument’s Details view supplies the rate; the public page does not provide a complete current schedule for every tier and symbol.[6]

The agreement’s dormant-account definition is broader than the fees page: one year without login, trading, open positions, deposits or withdrawals. It permits closure and says remaining funds belong to the client. That wording leaves the trade-only tariff trigger and administrative closure trigger distinct.[8]

Currency conversion can include a broker markup and third-party costs. The agreement permits a 3% card-currency spread but lists EUR, USD, GBP, BGN and CHF deposits as exempt from its conversion fee. This older BGN-inclusive wording does not establish today’s available wallet currencies or a universal exemption for later conversions.[8]

For Ainvesting CFDs, Up Trend is the sole execution venue and the client’s counterparty under its published policy. It can hedge its own exposure separately. Market and stop execution can differ from the requested price, particularly during gaps or fast markets.[7]

The trading guide describes market orders, limit orders, stop-loss and take-profit controls. A triggered stop becomes an execution instruction at the available market price; it does not guarantee the selected loss limit.[12]

Instrument Details provides expiry information. The FAQ says futures-linked positions and limit orders close on the stated expiry date. A universal pending-order lifetime, order-count ceiling and minimum stop distance were not established from the inspected guide.[9]

The platform displays initial and maintenance margin for each instrument. The broker describes automatic liquidation until equity again exceeds the required maintenance margin; notifications are specifically mentioned for Premium clients. Its educational 30:1 example and older share example do not establish a current universal leverage entitlement or a complete retail margin schedule.[10]

The public EUR/USD specification gives leverage of 1:30 and a 1.67% maintenance margin, with no expiry date. These are symbol-specific published terms; its displayed buy/sell prices and financing entries are not treated here as executable quotes or an account-wide margin rule.[11]

The agreement allows telephone instructions using account access details and specified order information. A dedicated outage dealing number, hours and guaranteed acceptance were not established. Open CFD positions cannot be transferred to another CFD provider.[8]

A successful card deposit is credited with an email confirmation. Bank transfers can take up to five business days after transfer confirmation. These deposit estimates are separate from withdrawal processing and do not guarantee intermediary settlement times.[14]

Withdrawals require full verification and enough remaining margin for open positions. The webpage asks for a request through the account and a manually signed form sent back to the company. It gives up to five business days for processing, while warning that bank/card intermediaries can exceptionally extend arrival to three weeks. Additional source-of-funds documents may be requested.[15]

Password recovery starts through the Forgot Password email route; account settings allow a password change. The inspected guidance does not specify a withdrawal cooling-off period following recovery.[9]

The agreement requires segregated client-money bank accounts, which may pool several clients’ balances. It also states that the client cannot lose more than overall equity under its negative balance protection arrangement.[8]

The Bulgarian Investor Compensation Fund lists Up Trend as a member. Its current Bulgarian-language summary gives compensation of 90% of an eligible claim, capped at EUR 20,000. Eligibility and a qualifying failure remain necessary; the scheme does not insure ordinary market losses.[19][18]

Ainvesting’s linked compensation PDF still quotes EUR 20,451 and excludes professional clients and eligible counterparties. The current scheme’s EUR 20,000 limit is the reference used here; the older broker figure should not be treated as an additional allowance. No separate private insurance policy was established.[17][18]

The complaint procedure provides acknowledgement within two working days and a response or further timetable within five working days. It calls for explanation of the firm’s position and, where relevant, alternative dispute-resolution or civil-action options. The five-day response is not an unconditional promise that every complaint will be finally resolved within five days.[22]

Monetary History and Activity Report are accessed through Account Options, then Funds Management. The FAQ also identifies a monetary report for cancelled deals and limits. A downloadable format, automatic tax statement and historical access after closure were not established from that guidance.[9]

The FAQ retains cash/credit bonus and points terminology, but current dated promotion terms were not established. It should not be read as evidence that a withdrawable cash bonus is presently available.[9]

The account page offers education and an Autochartist report subscription through the web platform’s Tools menu. This supports research access; it does not establish an AI agent or a service authorized to trade or withdraw on the customer’s behalf.[3]

The Bulgarian FSC roster identifies Up Trend Ltd, formerly Bul Trend Brokerage Ltd, with registration 121527003 and the domains uptrend.bg, ainvesting.eu and xtrade.eu. This profile covers the Ainvesting service under that company. The shared xtrade.eu listing is not evidence that every internationally marketed Xtrade account contracts with Up Trend.[2]

Ainvesting publishes licence РГ-03-110/13.07.2017 and a Sofia address. The official roster supports the current company/domain match; it does not make all advertised products available in every jurisdiction.[1]

The annual disclosure linked from Ainvesting’s legal page is for 2018. It is historical evidence about the company’s capital and risk reporting, not current audited solvency information. A newer company report was not established in the inspected Ainvesting public material.[23]

Headquarters

Sofia, Bulgaria