FIBO Group separates platform, pricing model and contract size. Cent accounts reduce the trade unit, while zero-spread and zero-commission labels require checking the instrument’s charges.[2][23][8]
Account comparison01
Account and service routes at a glance
| Account / service | Contract and customer scope | Platform and principal condition |
|---|---|---|
| MT4 Cent | FIBO Group, Ltd — Eligible international residents; retail clients | MetaTrader 4. Eligible international retail applicants through the BVI operator. Cent units apply; payment-method minimums are separate.Source 3Source 11Source 34Source 35Source 36Source 37 |
| MT4 Fixed | FIBO Group, Ltd — Eligible international residents; retail clients | MetaTrader 4. British Virgin Islands operator; eligible international retail applicants only. Published account terms, not independently measured execution. EUR/USD normal fixed schedule; rollover and market-event exceptions apply. Spread cost excludes financing, slippage and price movement.Source 4Source 19Source 12Source 26Source 34Source 35Source 36Source 37 |
| MT4 NDD | FIBO Group, Ltd — Eligible international residents; retail clients | MetaTrader 4. British Virgin Islands operator; eligible international retail applicants only. Published account terms, not independently measured execution. Percentage commission is published without a sufficiently clear side/unit basis for a round-trip calculator entry.Source 5Source 34Source 35Source 36Source 37 |
| MT4 NDD No Commission | FIBO Group, Ltd — Eligible international residents; retail clients | MetaTrader 4. British Virgin Islands operator; eligible international retail applicants only. Published account terms, not independently measured execution. EUR/USD published typical spread; no sampling period or method is supplied. Zero commission is scoped to this forex contract. Financing, slippage and price movement are excluded.Source 6Source 21Source 14Source 26Source 34Source 35Source 36Source 37 |
| cTrader NDD | FIBO Group, Ltd — Eligible international residents; retail clients | cTrader. British Virgin Islands operator; eligible international retail applicants only. Published account terms, not independently measured execution. Percentage commission is published without a sufficiently clear side/unit basis for a round-trip calculator entry.Source 7Source 34Source 35Source 36Source 37 |
| cTrader Zero Spread | FIBO Group, Ltd — Eligible international residents; retail clients | cTrader. British Virgin Islands operator; eligible international retail applicants only. Published account terms, not independently measured execution. Exposure-dependent leverage. The published percentage fee does not establish a sufficiently clear side/unit basis for a round-trip calculator entry.Source 8Source 34Source 35Source 36Source 37 |
| MT5 NDD | FIBO Group, Ltd — Eligible international residents; retail clients | MetaTrader 5. British Virgin Islands operator; eligible international retail applicants only. Published account terms, not independently measured execution. Percentage commission is published without a sufficiently clear side/unit basis for a round-trip calculator entry.Source 9Source 34Source 35Source 36Source 37 |
| MT5 Cent | FIBO Group, Ltd — Eligible international residents; retail clients | MetaTrader 5. Eligible international retail applicants through the BVI operator. Cent units apply; payment-method minimums are separate.Source 10Source 18Source 34Source 35Source 36Source 37 |
The international site contracts through FIBO Group, Ltd in the British Virgin Islands. Its published regional exclusions include the UK, the US and North Korea. A separate former Cyprus company, FIBO Markets Ltd, previously FIBO Group Holdings Ltd, voluntarily relinquished licence 118/10; CySEC announced the withdrawal in September 2025. That historical permission does not describe this BVI account.[1][38][39]
The eight accounts: opening deposit and account currency
Sections ↑Account comparison02
Opening requirements
| Account | Platform / advertised opening amount | Account currencies |
|---|---|---|
| MT4 Cent | MT4; advertised 1 US cent | US cents; GLD centsSource 3 |
| MT4 Fixed | MT4; USD 50 | EUR; USDSource 4 |
| MT4 NDD | MT4; USD 50 | EUR; USD; GLDSource 5 |
| MT4 NDD No Commission | MT4; USD 50 | EUR; USD; GLD; BTC; ETHSource 6 |
| cTrader NDD | cTrader; USD 50 | EUR; USDSource 7 |
| cTrader Zero Spread | cTrader; USD 50 | USDSource 8 |
| MT5 NDD | MT5; USD 50 | USDSource 9 |
| MT5 Cent | MT5; advertised 1 US cent | US centsSource 10 |
The alternative currency units need care. GLD represents one-thousandth of the quoted gold-ounce value; GLD cent represents one-hundred-thousandth. BTC and ETH account units represent one-thousandth of Bitcoin’s price and one-hundredth of Ether’s price respectively. These denominations are not evidence that a forex account includes delivery or withdrawal of the underlying asset.[2]
Spreads and commissions: use the named account and instrument
Sections ↑Pricing & charges03
Published EUR/USD pricing examples
| Account | Spread and basis | Commission as quoted |
|---|---|---|
| MT4 Fixed | 2 pips, fixed schedule | NoneSource 19 |
| MT4 NDD | 0.3 pips, labelled typical | EUR 3 against a 100,000-EUR contractSource 20 |
| MT4 NDD No Commission | 0.8 pips, labelled typical | None for this forex contractSource 21 |
| MT5 NDD | 0.2 pips, labelled typical | EUR 3 against a 100,000-EUR contractSource 22 |
Pricing & charges04
Other pricing models and product exceptions
| Account / product | Published structure | Important unit or condition |
|---|---|---|
| MT4 Cent / MT5 Cent | Spreads advertised from 0.6 pips; no FX commission | Cent contract sizes apply.Source 3Source 10 |
| cTrader NDD | Commission of 0.003% of transaction amount | Percentage pricing, not a flat dollar-per-lot promise.Source 7 |
| cTrader Zero Spread | Commission of 0.012% of transaction amount; minimum USD 1 | Zero-spread branding does not eliminate commission.Source 8 |
| S.AAPL share CFD | Commission 0.02%, minimum USD 2 | The specification uses 100 shares per lot; no universal zero-commission-share claim.Source 23 |
| MT4 NDD No Commission: S.AAPL | The separate share-CFD commission still applies | The account’s instrument list expressly quotes 0.02%, minimum USD 2.Source 21 |
Forex pip size also matters when comparing costs. For EUR/USD, one pip is 0.0001; a 100,000-EUR position therefore changes by USD 10 for each pip, calculated as 100,000 × 0.0001. Financing, price movement and execution differences are separate from this spread calculation.[26]
What a lot buys: cent, standard and share-CFD units
Sections ↑Account comparison05
Contract-size reference
Calculated from these contract sizes, 0.01 cent lot represents 10 base-currency units; 100 cent lots represent 100,000 units, equal to one standard forex lot. The same numerical lot value can therefore create different exposure.[11]
Platforms & products06
Products and platform access
| Product | Published access | Form of exposure |
|---|---|---|
| Forex and precious metals | MT4, MT5 and cTrader; account-specific lists | OTC trading contractsSource 2 |
| Crypto | MT4/MT5 variants advertise 13 instruments; cTrader variants exclude it | Trading exposure; separate from crypto account denominations and fundingSource 2 |
| US stocks | MT4 Fixed, NDD and No Commission; MT5 NDD | CFDs, with advertised leverage up to 1:20Source 2Source 24 |
| Cent accounts | Forex, metals and crypto | The published comparison excludes US stocksSource 3Source 10 |
| Spot indices and oil | MT4 Fixed and MT4 NDD specification routes | Examples include US500Roll, DE40Roll, USOILRoll and UKOILRollSource 25 |
| cTrader | 33 currency pairs and gold/silver | The comparison does not offer share or crypto trading on these accountsSource 7Source 8 |
Leverage and stop-out: the account-level differences
Sections ↑Protections & eligibility07
Published forex ceilings and forced-closure levels
| Account | Maximum advertised FX leverage | Stop-out |
|---|---|---|
| MT4 Cent | Up to 1:3000 | 20%Source 3 |
| MT4 Fixed | Up to 1:200 | 20%Source 4 |
| MT4 NDD | Up to 1:400 | 50%Source 5 |
| MT4 NDD No Commission | Up to 1:400 | 50%Source 6 |
| cTrader NDD | Up to 1:400 | 20%Source 7 |
| cTrader Zero Spread | Up to 1:1000 | 20%Source 8 |
| MT5 NDD | Up to 1:400 | 50%Source 9 |
| MT5 Cent | Up to 1:5000 | 50%Source 10 |
Account comparison08
cTrader Zero Spread: position-size bands
| Position value in USD | Forex maximum leverage | Metals maximum leverage |
|---|---|---|
| Up to 1 million | 1:1000 | 1:400Source 16 |
| Above 1 million through 5 million | 1:500 | 1:200Source 16 |
| Above 5 million through 10 million | 1:200 | 1:30Source 16 |
| Above 10 million | 1:30 | No further band specified on the reviewed pageSource 16 |
Protections & eligibility09
Weekend, holiday and volatility adjustments
| Account group | Published margin change | Practical effect |
|---|---|---|
| MT4 Cent / MT5 Cent | Weekend or holiday margin may become 1%; volatility restrictions can limit new trades to 1:500 | The headline cent-account leverage is not continuous.Source 11Source 18 |
| MT4 Fixed | Margin can rise from 0.5% to 2% | Equivalent leverage falls from 1:200 to 1:50.Source 12 |
| MT4 NDD / No Commission | Margin may rise to 3% | Approximately 1:33 leverage, calculated as 1 ÷ 0.03.Source 13Source 14 |
| cTrader NDD / Zero Spread | Weekend and holiday margin may reach 3% | Exposure bands still need attention.Source 15Source 16 |
| MT5 NDD | Margin may increase threefold | The change depends on the original requirement.Source 17 |
Order handling, capacity and market sessions
Sections ↑Platforms & products10
Execution and platform rules
| Area | Published treatment |
|---|---|
| NDD market and stop orders | Execution follows available liquidity; slippage can be favourable or adverse. Limit orders can fill partly at the requested price or better.Source 13 |
| MT5 NDD position accounting | Hedging or netting is selected when opening the account. Netting combines exposure in one instrument; hedging keeps separate positions.Source 17 |
| MT4 Fixed around news | Pending-stop changes may pause three minutes before major news. SL distance can reach 10 spreads ten minutes before news or 25 spreads 30 minutes before closure.Source 12 |
| MT4 Fixed gaps | The policy differentiates ordinary SL/TP/limit treatment from stops on locked positions and opening Buy Stop/Sell Stop orders, which can use the first market price. It is not an unrestricted guaranteed-stop promise.Source 12 |
| Share-CFD corporate actions | Affected positions close at the last session’s final market price before the ex-dividend date; pending orders are cancelled, with no dividend cash adjustment. Splits and reverse splits also trigger closure and cancellation.Source 14 |
Platforms & products11
Published order and account limits
| Account | Capacity or expiry rule |
|---|---|
| MT4 Cent / MT5 Cent | Maximum 100 cent lots per order, 1,000 in total and 50 orders including pending orders.Source 11Source 18 |
| MT5 NDD | Up to five accounts and 50 open orders; the EUR/USD specification permits up to 500 lots per order.Source 9Source 22 |
| cTrader variants | Up to ten accounts in the comparison schedule.Source 2 |
| MT4 Fixed, NDD, No Commission; MT5 NDD | The comparison page says listed pending limit and stop orders expire after 180 days.Source 2 |
Trading & service hours12
Instrument sessions: examples in the published EET schedule
| Instrument / event | Published hours or condition |
|---|---|
| US share CFDs | 16:35–22:55 on trading days in the instrument table; do not read broad marketing wording as a 24-hour share session.Source 23 |
| MT4 Fixed precious metals | Weekday sessions 01:05–23:55.Source 19 |
| MT4 Fixed crypto examples | Monday 00:05 through Friday 23:55; these trading contracts are not offered as a continuous 24/7 crypto market.Source 19 |
| MT4 Fixed bank rollover | 23:55–00:15 can involve wider spreads, longer processing, increased order distances or restrictions on opening trades.Source 19 |
Overnight costs and the Islamic-account alternative
Sections ↑Ordinary FX accounts have separate long and short swap entries in their specifications. The tables apply a three-day rollover from Wednesday to Thursday. Treat the rate shown when placing or carrying a position as an input that can change; a spread quote does not include it.[20]
Pricing & charges13
Swap-free replacement charges
| Scope / example | Published weekly charge |
|---|---|
| Eligible variants | MT4 Fixed, MT4 NDD and MT4 NDD No Commission onlySource 27 |
| Currencies | USD 100 per standard lotSource 27 |
| Metals | USD 200 per standard lotSource 27 |
| Crypto examples | BTC: USD 350 per lot; ETH: USD 45 per lotSource 27 |
| Share-CFD examples | S.AAPL: USD 52 per lot; S.MSFT: USD 123 per lotSource 27 |
The replacement charge applies to positions still open around the Wednesday-to-Thursday transfer, approximately 00:00 EET. FIBO may withdraw Islamic status without advance notice, close positions and apply swaps it considers due, including earlier transactions. “Swap-free” therefore describes a different charging arrangement, not cost-free long-term holding.[27]
Funding and withdrawals: fees, timing and account conditions
Sections ↑Pricing & charges14
Published withdrawal charges
| Route | Charge | Stated transfer timing |
|---|---|---|
| Bank wire | About USD 35–50 | 3–5 business daysSource 28 |
| Inwizo card route | 6% + USD 2 | After request processingSource 28 |
| Neteller | 2%; minimum USD 1/EUR 1 | Within two business days, excluding request daySource 28 |
| Skrill | 1% | Minutes after processingSource 28 |
| TCpay | 3% | After processingSource 28 |
| Volet | 1.5% | After processingSource 28 |
| Crypto route | 0.5% | Minutes to hoursSource 28 |
| RaidoSpare crypto route | 0% quoted | Minutes after processingSource 28 |
The No Fee Deposit promotion reimburses payment charges. Its bank-wire allowance is capped at USD 30 for deposits above USD 1,000; blockchain network fees are excluded. The company can reverse or refuse promotional reimbursement for abuse.[28]
Pricing & charges15
Processing, payment matching and other account charges
| Item | Contractual or published rule |
|---|---|
| Broker instruction time | Non-trading rules allow up to three business days for bank withdrawals and two for other routes, excluding receipt day; receiving-bank transfer time is separate.Source 30 |
| Return route | Withdrawals are generally in the same currency and through the same method used to fund the account. Third-party payments are prohibited.Source 30 |
| Dormancy | After 91 calendar days without trading, the agreement permits a charge of up to USD 5 per month, or equivalent, capped by the remaining balance.Source 29 |
| Terminal access | The agreement states no charge for access to the trading terminal.Source 29 |
| Negative balance | The agreement permits offsetting a debit on one account against a credit on another. No unconditional negative-balance-protection guarantee is established here.Source 29 |
PAMM, copying and service arrangements
Sections ↑Platforms & products16
Managed and copied trading
| Service | Access and fee structure | Withdrawal or control detail |
|---|---|---|
| PAMM | MT4 Fixed, NDD and No Commission; the manager’s offer defines remuneration | The investment period is at least one week. Early withdrawal may incur a fee; end-of-period withdrawal does not.Source 32 |
| PAMM funding | The comparison quotes USD 300 to open a PAMM account | This is a manager-account opening figure; investor allocations follow the manager’s offer.Source 2Source 32 |
| cTrader Copy | Strategy providers choose a management, performance or volume-based fee arrangement | Inspect the individual strategy’s charges and copy settings; availability does not validate its track record.Source 33 |
Protections & eligibility17
Support and complaints
| Need | Published route or deadline |
|---|---|
| Account help | Client Area and the website’s contact/callback routes; available languages are listed on the site.Source 1 |
| Formal service complaint | [email protected]; trading disputes use the Client Area complaint route.Source 31 |
| Complaint handling | Response target of ten working days. The procedure sets a three-month maximum handling period and provides for a status response if unresolved.Source 31 |
The account choice should follow the intended instrument and holding period. Cent accounts change the trade unit; fixed-spread pricing has specific execution exceptions; NDD accounts separate spread from commission; and Islamic variants introduce weekly holding charges. This profile is based on public documents and authority records. Execution quality, support responsiveness and withdrawal completion have not been independently tested.
Company background & evidence
Sections ↑Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
FIBO Group, Ltd
| Issuer & identifier | Recorded status | Date & scope |
|---|---|---|
| BVI Financial Services CommissionSIBA/L/13/1063 | Authorised | Checked 9 Oct 2026The authority’s current named records cover dealing as principal, dealing as agent and arranging deals. The licence number is supplied by the broker’s licence page.Source 34Source 35Source 36Source 37 |
Sources & further reading
- FIBO Group: current products and regional exclusions FIBO Group · Accessed 9 Oct 2026
- Comparison of eight account types and currency-unit definitions FIBO Group · Accessed 9 Oct 2026
- MT4 Cent account overview FIBO Group · Accessed 9 Oct 2026
- MT4 Fixed account overview FIBO Group · Accessed 9 Oct 2026
- MT4 NDD account overview FIBO Group · Accessed 9 Oct 2026
- MT4 NDD No Commission account overview FIBO Group · Accessed 9 Oct 2026
- cTrader NDD account overview FIBO Group · Accessed 9 Oct 2026
- cTrader Zero Spread account overview FIBO Group · Accessed 9 Oct 2026
- MT5 NDD account overview FIBO Group · Accessed 9 Oct 2026
- MT5 Cent account overview FIBO Group · Accessed 9 Oct 2026
- MT4 Cent trading conditions FIBO Group · Accessed 9 Oct 2026
- MT4 Fixed trading conditions FIBO Group · Accessed 9 Oct 2026
- MT4 NDD trading conditions FIBO Group · Accessed 9 Oct 2026
- MT4 NDD No Commission trading conditions FIBO Group · Accessed 9 Oct 2026
- cTrader NDD trading conditions FIBO Group · Accessed 9 Oct 2026
- cTrader Zero Spread trading conditions FIBO Group · Accessed 9 Oct 2026
- MT5 NDD trading conditions FIBO Group · Accessed 9 Oct 2026
- MT5 Cent trading conditions FIBO Group · Accessed 9 Oct 2026
- MT4 Fixed forex and instrument specifications FIBO Group · Accessed 9 Oct 2026
- MT4 NDD forex and instrument specifications FIBO Group · Accessed 9 Oct 2026
- MT4 NDD No Commission forex and instrument specifications FIBO Group · Accessed 9 Oct 2026
- MT5 NDD forex and instrument specifications FIBO Group · Accessed 9 Oct 2026
- US share-CFD contract specifications and commissions FIBO Group · Accessed 9 Oct 2026
- US stocks: CFD access on MT4 and MT5 FIBO Group · Accessed 9 Oct 2026
- Spot index and energy CFD specifications FIBO Group · Accessed 9 Oct 2026
- Pip calculator: EUR/USD pip definition FIBO Group · Accessed 9 Oct 2026
- Islamic accounts: weekly charges and withdrawal of status FIBO Group · Accessed 9 Oct 2026
- Deposit promotion, withdrawal fees and transfer timings FIBO Group · Accessed 9 Oct 2026
- Customer Agreement: dormant accounts and balance offset rights FIBO Group · Accessed 9 Oct 2026
- Regulations on non-trading transactions FIBO Group · Accessed 9 Oct 2026
- Client complaints procedure FIBO Group · Accessed 9 Oct 2026
- PAMM investor FAQ: fees, periods and withdrawals FIBO Group · Accessed 9 Oct 2026
- cTrader Copy service and strategy-fee structures FIBO Group · Accessed 9 Oct 2026
- Company licences and BVI entity reference FIBO Group · Accessed 9 Oct 2026
- FIBO Group Ltd: current BVI register, dealing as principal BVI Financial Services Commission · Accessed 9 Oct 2026
- FIBO Group Ltd: dealing as agent BVI Financial Services Commission · Accessed 9 Oct 2026
- FIBO Group Ltd: arranging deals in investments BVI Financial Services Commission · Accessed 9 Oct 2026
- Former CIF: FIBO Markets Ltd, formerly FIBO Group Holdings Ltd Cyprus Securities and Exchange Commission · Accessed 9 Oct 2026
- FIBO Markets Ltd: voluntary CIF authorisation withdrawal, September 2025 Cyprus Securities and Exchange Commission · Accessed 9 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.