Gerchik & Co

Both plans list algorithmic trading, educational resources, Risk Manager and an Islamic-account option. The account table includes the Real Market Volume indicator and EA on Premium; Zero access requires an external top-up of at least USD 2,000. TIMA investors have a separate advertised starting investment of USD/EUR 100.[3]

The agreement excludes US, Canadian and Japanese citizens regardless of residence, and US or Canadian residents regardless of nationality. Other eligibility depends on local law and the company’s country restrictions. Website access does not establish permission to open an account.[14]

View full spreads & trading costs

The homepage advertises more than 1,560 instruments. The selected platform’s symbol specification determines contract size, trading session, swap and margin. Its separate Stock navigation leads to another service; this profile concerns the forex and CFD account.[1][4][10]

Zero removes the forex commission, but other product groups retain commissions. The current tables specify the following charging bases. A round-turn amount covers opening and closing; a per-side amount applies separately to each transaction.[7][8][9]

MT4 deducts round-turn commission at opening. MT5 also charges round-turn items at opening and proportionately when position volume increases; its per-side items are charged separately. Spreads and financing are additional. No representative average spread or all-in cost is inferred from the advertised minima.[7][3]

Overnight rollover occurs around 23:59–00:00 server time. Swap can be positive or negative, quoted in pips or percentages, and the triple-swap day varies by instrument. An Islamic option does not establish cost-free holding: the current negative-balance policy expressly recognises Swap-Free/Islamic administrative fees as payable charges.[10][15][16]

Trading regulations allow inactive accounts to be archived, with or without an option to restore them. That administrative power does not specify a recurring inactivity-fee amount or a universal inactivity period.[15]

Desktop descriptions include custom indicators and Expert Advisors; the MT5 page adds a multithreaded strategy tester. The operations rules cap server requests at 5,000 per trading session and allow recalculation of trades exploiting terminal vulnerabilities. These restrictions apply alongside the account table’s permission to use algorithms.[11][12][15][3]

The published MT5 weekend window runs from Friday 22:00 to Monday 01:00 in platform time. The broker says it gives at least three hours’ platform notice before a news-related leverage change. A stop-loss level should not be treated as a guaranteed execution price.[5][15]

At the check date, the funding page expressly says card withdrawals are temporarily unavailable and USD bank transfers are unavailable for both deposits and withdrawals. Card deposits and EUR SEPA transfers remain listed. All funding passes through balance accounts in the Personal Account before internal transfer to trading accounts.[13]

The broker attributes the listed payment charges to providers. Payments must belong to the account holder, and withdrawals normally follow the original funding source, proportionately where several sources were used. Crypto funding is converted on receipt; crypto withdrawals use the payment provider’s exchange rate. Account denomination remains USD or EUR.[13][14][3]

Agreement §3.2 describes segregation for money credited and sitting in the customer account without trading or investment activity. It also allows funds to be held in bank, electronic or trading accounts for the agreement’s purposes. This is a narrower description than an unrestricted promise that every deployed balance remains in a separate client bank account.[14]

The policy therefore operates across the customer profile rather than providing a separate loss cap on each trading account. It applies after the affected account’s positions are closed, includes an abuse review, and permits a requested breakdown of offsets, write-offs and excluded debts.[16]

Financial Commission lists Gerchik & Co as an active member with a EUR 20,000-per-client fund limit. This private dispute arrangement pays eligible unpaid judgments, subject to fund rules and available resources. It excludes ordinary trading losses, managed-account trading complaints and digital-currency-market complaints; it is not blanket insolvency or deposit insurance.[29][30]

The agreement requires prompt notice of compromised credentials and says the company will block access and issue a new password upon receiving notice of unauthorised access. Its recordkeeping obligation covers balance, trading and investment operations; tax obligations remain with the client.[14]

If the internet terminal cannot transmit an order, communication provision §2.1 permits a telephone order through a regional consulting centre after identification; its representative passes the instruction to the company for execution. Live chat is described as an information/support channel. Telephone availability alone does not guarantee that an instruction will execute.[17]

Agreement §13.4 requires a complaint within two business days of the event giving rise to it. It provides an initial five-business-day review period, extendable for investigation with notice. Unresolved disputes may use the Financial Commission procedure described in the agreement.[14][29]

TIMA pools investor allocations under a manager’s offer, which sets the profit share and investment period. The minimum period can be 1–30 days, with an optional early principal-withdrawal penalty of up to 10%. Daily rollovers process transfer requests. Critical-loss monitoring runs at least once every five minutes; a triggered investment disconnect removes the minimum-period restriction and early-withdrawal penalty. The investor’s risk threshold cannot be tighter than the manager’s offered minimum. These controls do not guarantee the precise exit value.[24][23]

TIMA statistics update at least twice hourly in the Personal Account. MetaQuotes signals are a separate copying mechanism; the broker’s guide does not establish that ending a subscription automatically closes existing positions.[24][22]

A published change took effect on 22 September 2025: existing Zero accounts retained Zero, while Mini, Simple, Silver, Gold and Platinum accounts automatically became Premium regardless of their balance. Former Mini forex symbols lost the m suffix. This explains why an older customer may hold Premium below today’s advertised new-account opening deposit.[27][3]