Accounts and eligibility
Sections ↑Account comparison01
Account and service routes at a glance
| Account / service | Contract and customer scope | Platform and principal condition |
|---|---|---|
| Standard | FINVEO JSC Podgorica — Eligible Montenegro-contract retail clients | Confirm assigned MT5 / Match-Trader access. Published terms.Source 1Source 4Source 3 |
| Gold | FINVEO JSC Podgorica — Eligible Montenegro-contract retail clients | Confirm assigned MT5 / Match-Trader access. Published terms.Source 1Source 4Source 3 |
| Platinum | FINVEO JSC Podgorica — Eligible Montenegro-contract retail clients | Confirm assigned MT5 / Match-Trader access. Published terms.Source 1Source 4Source 3 |
| ECN Pro | FINVEO JSC Podgorica — Eligible Montenegro-contract retail clients | Confirm assigned MT5 / Match-Trader access. Published terms.Source 1Source 4Source 3 |
| Standard | FINVEO MA Ltd — Eligible Mauritius-contract retail clients | Confirm assigned MT5 / Match-Trader access. Published terms.Source 2Source 3Source 5 |
| Gold | FINVEO MA Ltd — Eligible Mauritius-contract retail clients | Confirm assigned MT5 / Match-Trader access. Published terms.Source 2Source 3Source 5 |
| Platinum | FINVEO MA Ltd — Eligible Mauritius-contract retail clients | Confirm assigned MT5 / Match-Trader access. Published terms.Source 2Source 3Source 5 |
| ECN Pro | FINVEO MA Ltd — Eligible Mauritius-contract retail clients | Confirm assigned MT5 / Match-Trader access. Published terms.Source 2Source 3Source 5 |
Finveo operates through FINVEO JSC Podgorica in Montenegro and FINVEO MA Ltd in Mauritius. Their ECN Pro conditions differ, so identify the contracting entity before choosing an account.[25]
The Montenegro website advertises leverage above 1:100, but the authority’s current regulation index links a decision imposing a 100:1 ceiling. The figures below are website advertisements, not confirmed permitted Montenegro leverage; obtain written reconciliation before relying on them.[30]
Reference table02
Standard, Gold and Platinum: current account pages
| Attribute | Standard | Gold | Platinum |
|---|---|---|---|
| Minimum deposit | USD 100 | USD 1,000 | USD 5,000Source 1 |
| Advertised leverage ceiling | 1:500 | 1:400 | 1:200Source 1 |
| Minimum advertised spread | 1.6 pips | 1 pip | 0.4 pipsSource 1 |
| Equity threshold for lower leverage | USD 5,000 | USD 10,000 | Not specifiedSource 1 |
| Minimum order per click | Micro; numeric unit not supplied | Micro; numeric unit not supplied | Micro; numeric unit not suppliedSource 2 |
| Maximum order per click | 5 lots | 20 lots | 50 lotsSource 1 |
| Minimum monthly volume | None | 10 lots | 50 lotsSource 1 |
| Margin call / stop-out | 100% / 25% | 100% / 20% | 100% / 50%Source 1 |
| CFD commission footnote | USD 15 per lot | USD 12 per lot | USD 8 per lotSource 1 |
Reference table03
ECN Pro: the two published offers differ
| Attribute | Montenegro website | Mauritius website |
|---|---|---|
| Minimum deposit | USD 10,000 | USD 5,000Source 1Source 2 |
| Commission display | USD 5 per lot | USD 10 per lotSource 1Source 2 |
| Leverage / spread | Up to 1:200 / raw | Up to 1:200 / rawSource 2 |
| Order size per click | 0.1–50 lots | 0.1–50 lotsSource 2 |
| Minimum monthly volume | 1,000 lots | 1,000 lotsSource 2 |
| Margin call / stop-out | 100% / 50% | 100% / 50%Source 2 |
Reference table04
Verification and account authority
| Requirement | Practical detail |
|---|---|
| Identity check | Finveo asks for an ID document, a liveness check and proof of residence. A smartphone is used in the published verification flow.Source 22 |
| Address document | Issued within three months and showing the applicant’s full name and address. Edited or unclear documents can be rejected.Source 22 |
| Joint account in Montenegro | The agreement allows joint holders to act independently and bind the account; joint obligations can be shared. This deserves review before giving another holder access.Source 6 |
| Authorised representative | Montenegro instructions require documented authority; changes to a representative take effect after written notification and supporting documents are received.Source 6 |
Reference table05
Swap-free: separate eligibility and restrictions
| Attribute | Published Montenegro terms |
|---|---|
| Eligibility | Individual at least 18; new or existing client; minimum USD 1,000 deposit.Source 13 |
| Interest-free period | Maximum one working week, Monday–Friday; charges apply after that period.Source 13 |
| Activity requirement | The PDF requires daily trading at the previous day’s volume. Obtain confirmation of how that unusual requirement is applied.Source 13 |
| Other charges | Ordinary spreads and commissions remain. Status may be revoked, with retroactive charges or trade adjustments in specified misuse circumstances.Source 13 |
| Page/PDF difference | The service page advertises extended interest-free holding. The linked PDF imposes the one-working-week limit; obtain the applicable signed conditions.Source 14Source 13 |
Markets and products
Sections ↑Reference table06
CFD market families
| Market | Examples and form |
|---|---|
| Forex | 60+ currency pairs; EUR/USD and GBP/USD highlighted.Source 16 |
| Metals and energy | Gold, silver and oil exposure through CFDs.Source 17 |
| Stock indices | NASDAQ and FTSE100 examples; contract exposure without owning constituent shares.Source 18 |
| Individual shares | Apple, Tesla and other share CFDs; these do not confer the ordinary shareholder ownership described for a purchased share.Source 19 |
| Cryptocurrency exposure | The institutional page includes crypto CFDs. Confirm the actual symbols and entity availability in the assigned platform.Source 24 |
Reference table07
Representative contract sizes from the linked information sheet
| Instrument | Published contract size | Description / session |
|---|---|---|
| EUR/USD | 100,000 | FX; 00:04–23:58 GMT+3Source 15 |
| USD/JPY | 100,000 | FX; 00:04–23:58 GMT+3Source 15 |
| GBP/USD | 100,000 | FX; 00:04–23:58 GMT+3Source 15 |
| XAUUSD | 100 | Gold/USD; Monday 01:00 to Friday 23:54 GMT+3Source 15 |
| XAGUSD | 5,000 | Silver/USDSource 15 |
| CRUDE | 1,000 | Light sweet crude oil futures CFDSource 15 |
| BRENT | 1,000 | ICE Brent crude oil futures CFDSource 15 |
| NATGAS | 10,000 | Natural-gas futures CFDSource 15 |
Reference table08
Index and share contract examples
| Symbol | Specification shown |
|---|---|
| S&P500 / NAS100 / DJ30 | Futures-style indices with contract-size displays 50 / 20 / 10.Source 15 |
| DAX40 / FTSE100 | Futures-style indices with contract-size displays 20 / 10.Source 15 |
| TSLA.eq / AAPL.eq / AMZN.eq | Equity-CFD examples; size 100 and leverage 1:10 in the linked sheet.Source 15 |
Reference table09
Wider Montenegro product disclosure: October 2026
| Product | What the new risk statement establishes |
|---|---|
| Whole/fractional shares and ETFs | The statement discusses ownership-based securities as well as CFDs. A current tradable list, custody provider and securities-account tariff were not established.Source 26 |
| Fractional shares | Transfer, voting and custody rights can be limited by the platform or custodian. These rights should be checked separately from whole shares.Source 26 |
| Debt instruments and options | The document discusses issuer/interest-rate risks and option expiry/premium risks. This disclosure does not establish that every client can trade every such product.Source 26 |
Spreads, commissions and other costs
Sections ↑Current account pages and the linked Montenegro price list differ. Confirm the assigned tariff before calculating a cash cost.[11]
Reference table10
Pricing conflicts to resolve before funding
| Item | Current account page | Linked May 2024 price list |
|---|---|---|
| Standard minimum spread | 1.6 pips | 1.9 pipsSource 1Source 11 |
| Platinum minimum spread | 0.4 pips | 0.6 pipsSource 1Source 11 |
| General commission scope | See account table above | Up to USD 45 per lot, depending on instrumentSource 11 |
Reference table11
Transaction cost components
| Component | Treatment |
|---|---|
| Spread | The execution policy derives a bid/ask quote. Quoted pricing can differ in a fast market; the marketing phrase “fixed spreads” is not a guaranteed fill.Source 9 |
| Overnight financing | The price list permits positive or negative swaps according to instrument and direction; a current complete swap-rate table was not established.Source 11 |
| EUR/USD benchmark | A 100,000 contract size is published, but account-specific observed spreads and the commission side are unresolved. No estimated all-in dollar cost is supplied.Source 15 |
| Gold and oil | Published contract-size numbers alone do not settle monetary tick values or expiry mechanics. No spot-WTI assumption is applied to CRUDE.Source 17 |
Reference table12
Portfolio and advisory charges in the Montenegro price list
| Service | Published fee |
|---|---|
| Portfolio management | Up to 1% of average portfolio value for each calculation period; calculated 30 June and 31 December.Source 11 |
| Performance fee | Up to 10% of realised portfolio profit, calculated twice annually.Source 11 |
| Premature portfolio termination | 2% of portfolio value on the termination date.Source 11 |
| Investment advice | EUR 100 per hour plus VAT; a specific proposal may depend on the work requested.Source 11 |
Platforms, execution and risk controls
Sections ↑Reference table13
Platforms and execution model
| Topic | Established position |
|---|---|
| Current platform menu | Match-Trader and MetaTrader 5. Confirm which is provisioned for the selected entity/account.Source 20 |
| Montenegro CFD counterparty | The firm remains the CFD counterparty whether it acts as market maker or routes hedging/liquidity transactions to third parties.Source 9 |
| Mauritius market execution | The policy describes market execution and possible positive or negative slippage. Stops or take-profit orders may fill at the next available price.Source 10 |
| Guaranteed-stop terminology | Montenegro’s policy defines guaranteed stops, but no current product eligibility or premium schedule was established. Do not assume an ordinary stop carries that guarantee.Source 9 |
| Orders and confirmation | The policy considers price, costs, speed, likelihood and size. A displayed price is not an assurance of execution for any requested volume.Source 9 |
Reference table14
Margin controls and maintenance
| Control | What changes |
|---|---|
| Account-specific stop-out | Standard, Gold and Platinum have different stop-out percentages; a lower threshold permits equity to fall further relative to margin before the trigger.Source 2 |
| Equity thresholds | Standard and Gold advertise lower leverage above specified equity levels, but the pages do not publish the replacement leverage schedule.Source 2 |
| Funding delay | The client-funds statement warns that a delayed deposit may fail to arrive in time to meet margin requirements. An initiated payment does not protect an open position from closure.Source 12 |
Deposits, withdrawals and cash
Sections ↑Reference table15
Funding methods and entity restrictions
| Channel | Published handling |
|---|---|
| Bank transfers | Multiple banks and currencies are displayed; broker processing is often same-day or up to 48 hours for withdrawals, excluding holidays.Source 21 |
| Cards | Visa, Mastercard and Maestro are displayed. Method currencies and availability vary by processing route.Source 21 |
| E-wallets | Several currency routes including USD, EUR, GBP and TRY; the table generally shows instant deposits and withdrawals up to 48 hours.Source 21 |
| Crypto | The payment page states crypto deposits are only for Mauritius clients. A crypto withdrawal row displays 0.5%, despite broad zero-fee wording elsewhere on the page.Source 21 |
Reference table16
Withdrawal request, cash and arrival time
| Topic | Montenegro | Mauritius |
|---|---|---|
| Available amount | Funds not required for margin or owed to the firm | Available free margin may be transferred to the vault; this is separate from external payoutSource 12Source 7 |
| Destination | Verified account in the client’s own name; normally original bank/payment institution | Same funding method and remitter; alternative route may be proposedSource 12Source 7 |
| Request submission | Client area or signed withdrawal form | Client area or signed withdrawal formSource 21 |
| Timing qualification | Funds policy: same/next working day processing; SWIFT can take up to seven days | Website estimates remain subject to verification and intermediary delaysSource 12Source 7 |
No current cash-convertible deposit bonus was established in the reviewed client-funds materials.[12]
Regulation and client protection
Sections ↑Reference table17
Legal entities and licence evidence
| Entity | Regulatory position | Evidence limit |
|---|---|---|
| FINVEO JSC Podgorica | Capital Market Authority of Montenegro; company cites 03/2-2/11-20 and 03/2-2/13-21 | Official register confirms the firm, investment services, CFD scope and permission to hold client assets.Source 4Source 3 |
| FINVEO MA Ltd | Company states FSC Mauritius licence GB22200832, investment dealer full service excluding underwriting | The legacy official lookup did not expose a firm result during this check; licence remains company-reported here.Source 3Source 5 |
Reference table18
Safeguarding and protection limits
| Protection | Scope |
|---|---|
| Montenegro client assets | The funds statement says client property is separate from company assets and excluded from its creditor/bankruptcy estate. Bank and custodian risks still require consideration.Source 12 |
| Montenegro negative balances | The funds statement promises negative balance protection; the newer risk statement makes its application subject to applicable regulation. Obtain the account-specific scope.Source 12Source 26 |
| Mauritius contract scope | Montenegro-specific protections are not assigned to the separate Mauritius entity.Source 3 |
| Private insurance | No current certificate identifying insurer, beneficiary class, period and per-client/aggregate limit was found. No numerical insurance entitlement is asserted.Source 3 |
| Regulatory instrument scope | The inspected Montenegro register lists CFDs for Finveo, while the October 2026 statement discusses wider securities. Obtain confirmation of the relevant permission and service agreement for a non-CFD account.Source 4Source 26 |
Support, dealing and complaints
Sections ↑Entity-specific contacts
Montenegro supportEmail
Montenegro telephoneTelephone
Montenegro complaintsEmail
Mauritius contactEmail
Mauritius telephoneTelephone
Reference table19
Outage instructions and formal complaints
| Situation | Procedure or unresolved issue |
|---|---|
| Montenegro trading interruption | General Business Rules allow verified email/fax, telephone, agreed electronic instructions and in-person orders. Confirm identification and acceptance with the authorised broker; platform access alone is not the only documented route.Source 8 |
| Mauritius telephone orders | The agreement treats recorded telephone trading instructions as binding. A dedicated public emergency dealing number was not established.Source 7 |
| Complaint evidence | Montenegro complaints use the standard form with name/address; anonymous complaints are not considered under the General Business Rules.Source 8 |
| Mauritius complaint-address conflict | The linked March 2023 FINVEO MA policy directs complaints to [email protected]. Obtain the current formal address from the verified Finveo MA contact before transmitting account documents.Source 27 |
| Mauritius response timing | That policy says 30 days and later refers to 30 business days for complex complaints; an extension requires explanation. The wording does not establish one unambiguous calendar deadline.Source 27 |
Research, tools and additional services
Sections ↑Reference table20
Research, education and specialist services
| Service | Published scope |
|---|---|
| Market education | Forex pages advertise e-books, videos and other instructional resources; these do not establish personalised investment advice.Source 16 |
| Trader community | The website promotes a Discord community and market-update subscriptions. Community opinions are not broker execution instructions.Source 16 |
| Institutional service | Dedicated account management, multiple asset classes and technology tailored to institutional needs; negotiated pricing and eligibility require a proposal.Source 24 |
| Portfolio management | Montenegro’s register lists portfolio management. The actual mandate and exit arrangements require a separate service agreement.Source 4 |
| Copy-service exit | No current retail copy-disconnection procedure was found. For appointed managers, revoke documented authority through the firm and explicitly address open positions, pending orders and fees.Source 6 |
Company, entities and history
Sections ↑Reference table21
Company identities and development
| Entity or event | Verified/published detail |
|---|---|
| Montenegro incorporation | Company states 20 August 2020; tax identifier 03321169 matches the regulator’s firm listing.Source 25Source 4 |
| Montenegro office | Cetinjska 11, Capital Plaza, 81000 Podgorica.Source 4 |
| Mauritius incorporation | Company states 17 January 2023; Office 15, first floor, CentrePoint, Trianon.Source 25 |
| Group relationship | The website identifies both firms within the Inveo Holding group. Turkish affiliates’ licences are not permissions held by these two entities.Source 25 |
| October 2026 disclosure | A risk statement adopted on 1 October broadens the product discussion. This is not evidence that existing customer contracts were automatically migrated.Source 26 |
- Headquarters
- Podgorica, Montenegro
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
FINVEO JSC Podgorica
| Issuer & identifier | Recorded status | Date & scope |
|---|---|---|
| Capital Market Authority03/2-2/11-20 | Authorised | Checked 11 Oct 2026Official register confirms the firm and CFD permission; company supplies licence numbers and dates.Source 4Source 3 |
| Capital Market Authority03/2-2/13-21 | Authorised | Checked 11 Oct 2026Official register confirms the firm and CFD permission; company supplies licence numbers and dates.Source 4Source 3 |
FINVEO MA Ltd
| Issuer & identifier | Recorded status | Date & scope |
|---|---|---|
| Financial Services CommissionGB22200832 | Not verified | Checked 11 Oct 2026Company-reported investment-dealer permission; official legacy lookup returned no usable firm record.Source 3Source 5 |
Operational details and current limitations
Sections ↑Reference table22
Inactivity, disabling and closure must be separated
| Entity / event | Published treatment |
|---|---|
| Mauritius: six inactive months | USD 15-equivalent maintenance fee may apply; the agreement does not specify its recurring billing frequency.Source 7 |
| Mauritius: balance below USD 15 | Agreement permits closure after notice and a related fee; a separate clause permits disabling after six inactive months at that balance.Source 7 |
| Mauritius: re-enabling | The agreement says an account may be enabled again; status is visible in the portal.Source 7 |
| Montenegro: inactivity | General Business Rules permit an inactivity charge determined by the price list; the inspected price list did not supply the exact trigger or tariff.Source 8Source 11 |
| Montenegro: final closure | Outstanding debts must be paid. Remaining money is transferred on written instructions; securities awaiting delivery may still attract custody costs.Source 6 |
Obtain the entity’s final account schedule, especially for ECN Pro, swap-free trading, non-CFD services and complaint handling.[3]
Sources & further reading
- Montenegro-site account information Finveo · Accessed 11 Oct 2026
- Mauritius-site account information Finveo · Accessed 11 Oct 2026
- Entity disclosures and legal documents Finveo · Accessed 11 Oct 2026
- Official investment-firm register Capital Market Authority · Accessed 11 Oct 2026
- Legacy FSC firm lookup route Financial Services Commission · Accessed 11 Oct 2026
- Montenegro client agreement, July 2023 Finveo · Accessed 11 Oct 2026
- Mauritius client agreement, October 2023 Finveo · Accessed 11 Oct 2026
- Montenegro General Business Rules Finveo · Accessed 11 Oct 2026
- Montenegro order execution policy Finveo · Accessed 11 Oct 2026
- Mauritius best execution policy Finveo · Accessed 11 Oct 2026
- Montenegro price list, May 2024 Finveo · Accessed 11 Oct 2026
- Montenegro client-funds statement, version 4 Finveo · Accessed 11 Oct 2026
- Swap-free account terms Finveo · Accessed 11 Oct 2026
- Swap-free account service page Finveo · Accessed 11 Oct 2026
- Product information sheet linked from account page Finveo · Accessed 11 Oct 2026
- Forex CFD markets Finveo · Accessed 11 Oct 2026
- Commodity CFD markets Finveo · Accessed 11 Oct 2026
- Index CFD markets Finveo · Accessed 11 Oct 2026
- Share CFD markets Finveo · Accessed 11 Oct 2026
- Current trading platforms Finveo · Accessed 11 Oct 2026
- Deposit and withdrawal methods Finveo · Accessed 11 Oct 2026
- Identity verification and document requirements Finveo · Accessed 11 Oct 2026
- Support and contact routes Finveo · Accessed 11 Oct 2026
- Institutional services Finveo · Accessed 11 Oct 2026
- Company history and group Finveo · Accessed 11 Oct 2026
- Risk disclosure adopted 1 October 2026 Finveo · Accessed 11 Oct 2026
- Mauritius complaints policy, version 1 Finveo · Accessed 11 Oct 2026
- Montenegro client classification policy Finveo · Accessed 11 Oct 2026
- Information on financial instruments Finveo · Accessed 11 Oct 2026
- Official leverage-ratio decision, 16 January 2019 Capital Market Authority · Accessed 11 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.