InstaForex’s international account range changed in October 2025. Standard, Pro, Raw and Zero use different spread/commission structures. The international InstaLot is one tenth of a conventional 100,000-unit FX lot, so a headline commission or minimum trade needs its unit before comparison.[3]
Contracting company and regional scope
Sections ↑Entities & regulation01
Separate legal routes
| Route | Company | Scope |
|---|---|---|
| instaforex.com | InstaFinance Ltd, BVI | Named BVI FSC record; international account terms and service agreements apply.Source 41 |
| instaforex.eu | Instant Trading EU Ltd, Cyprus | CySEC 266/15; European retail/professional terms.Source 42 |
| Additional brand company | Insta Global Ltd, SVG | Named in the international disclosures; BVI/Cyprus permissions do not establish authorisation for this company.Source 1 |
| International eligibility | USA and certain other restricted jurisdictions excluded. | A country appearing in a form does not establish acceptance.Source 4 |
| European eligibility | EU residents and selected additional jurisdictions listed by the company. | The regulation page names Egypt, Nigeria, Switzerland, Ukraine, UAE, BVI, SVG and Indonesia; onboarding restrictions still apply.Source 26 |
International account menu
Sections ↑Account comparison02
Accounts and advertised FX pricing
| Account | Minimum / denomination | Published FX price structure |
|---|---|---|
| Insta.Standard | USD 1 / USD | From 6 five-digit quotation units; no commission.Source 2 |
| Insta.Pro | USD 100 / USD | From 4 five-digit quotation units; no commission.Source 2 |
| Insta.Zero | USD 100 / USD | Zero spread; commission from USD 0.50 per trade.Source 2 |
| Insta.Raw | USD 100 / USD | Spread from zero; advertised fixed USD 0.50 commission.Source 2 |
| Cent.Standard | USD 1 / USD cents | From 6 five-digit quotation units; no commission.Source 2 |
Account comparison03
International order and margin conditions
| Condition | Published rule |
|---|---|
| Standard / Pro / Zero / Raw | Market execution; 0.01–10,000 InstaLots. Above USD 100,000 balance, minimum trade becomes one InstaLot.Source 2 |
| Cent minimum | 0.10 cent lot, described as 0.0001 of a conventional market lot.Source 2 |
| Margin controls | 30% margin call; 10% stop-out. The page separately labels “local margin” 25%, without enough context to treat it as a universal initial-margin rate.Source 2 |
| Account leverage | The detailed conditions publish a selectable 1:1–1:1000 range; product and exposure restrictions remain separate.Source 4 |
Read the lot and fee units before comparing prices
Sections ↑Pricing & charges04
International EUR/USD specification examples
| Account / symbol | Spread in quoted USD price | Published fee field |
|---|---|---|
| Standard / EURUSD.fx | 0.00006 | 0; EUR 10,000 per lot.Source 8 |
| Pro / EURUSD.fx | 0.00004 | 0; EUR 10,000 per lot.Source 8 |
| Zero / EURUSD.zs | 0 | USD 0.60.Source 8 |
| Raw / EURUSD.fx | 0 | 0.5; the feed does not resolve its currency or charging side.Source 8 |
Pricing & charges05
Limits of the headline price
| Issue | Interpretation |
|---|---|
| Lot conversion | One international InstaLot represents 10,000 base-currency units; 0.01 InstaLot represents 100 units, calculated from that definition.Source 3 |
| Raw / Zero marketing | The December 2025 announcement quotes USD 4–5 per conventional market lot for major instruments/pairs. It does not establish the charging side of today’s instrument-specific fee.Source 3 |
| Instrument-specific fees | The currency feed’s Zero EUR/USD fee is USD 0.60, above the account’s “from USD 0.50” headline. An account-wide starting price is not every symbol’s price.Source 8 |
| Timing and liquidity | The specification notes allow wider spreads on selected symbols overnight. They also flag 15-minute delayed market data; a displayed quote is not a measured execution result.Source 7 |
Products and contract specifications
Sections ↑Account comparison06
International catalogue
| Product | What the published specification establishes |
|---|---|
| Market families | Currencies, shares, indices, metals, oil/gas, commodity futures, crypto and InstaFutures have separate catalogue groups. Contract availability is account-specific.Source 7 |
| GOLD.m / SILVER.m | The non-cent account feed lists 100 / 500 ounces per lot respectively. Metal fee fields are non-zero even where an account’s FX commission headline is zero.Source 9 |
| Bitcoin | The published crypto feed defines one Bitcoin per lot and a 0.1% fee. This is derivative trading information, not proof of coin withdrawal or custody.Source 11 |
| #CL oil contract | The Pro/Zero/Raw energy feed lists USD 350 margin, USD 30 fee, 0.01 tick size and USD 10 tick value; its fee charging side is not resolved there.Source 10 |
| Futures rollover | The specification notes say affected contracts reopen automatically at the first price of the following contract after expiry. The contract change can alter exposure economics.Source 7 |
Protections & eligibility07
Leverage and loss treatment beyond the account headline
| Issue | Published condition |
|---|---|
| Balance and exposure | The agreement permits 1:1000 to fall to 1:600 above USD 1,000 balance; exposure above USD 5m / USD 20m can be limited to 1:100 / 1:50.Source 6 |
| Crypto product leverage | Specification notes list Bitcoin up to 1:500 and named other coins from 1:1 to 1:10, subject to change. Account leverage is not the crypto limit.Source 7 |
| Negative account balance | The international agreement allows a deficit to be restored using money in another account belonging to the same client. It is not isolated protection of each funded account.Source 6 |
Swap-free accounts and special capital arrangements
Sections ↑Pricing & charges08
Swap-free limits
| Issue | Published rule |
|---|---|
| Application | Conversion requires approval and can be refused without explanation. Accounts registered in the affiliate programme are excluded.Source 12 |
| Duration | Forex, indices and metals revert to ordinary swap treatment once an individual position exceeds seven days.Source 12 |
| Product exclusions | USD/HKD, EUR/RUR and USD/RUR instruments in the named futures group retain swaps; leveraged share/crypto positions funded with borrowed money also retain them.Source 12 |
| Revocation | Violations can lead to removal of the service and swaps charged for the previous swap-free period.Source 12 |
Protections & eligibility09
Special segregated-account service
| Item | Published arrangement |
|---|---|
| Minimum | USD 50,000; separate application and documentary approval.Source 13 |
| Funding structure | 30% is transferred to the broker; 70% can remain in the client’s bank account or with an authorised representative, supported by bank statements.Source 13 |
| Meaning | The service gives trading capacity against this arrangement. It is distinct from ordinary broker client-money segregation and does not remove trading-loss or bank risk.Source 13 |
Platforms and VPS
Sections ↑Platforms & products10
International platform access
| Facility | Published scope |
|---|---|
| MT4 and MT5 | Desktop and mobile downloads; MQL4 and MQL5 use different automation languages. An EA needs the correct platform version.Source 5 |
| Web / mobile | WebTrader and iOS/Android trading apps are listed. Instrument access and account availability still depend on the chosen route.Source 4 |
| Expert Advisors | The trading FAQ permits EAs. Broker execution and agreement conditions still apply to their trades.Source 22 |
| Demo | Available on the MetaTrader route; simulated trading does not test live order fills or withdrawals.Source 4 |
Pricing & charges11
International VPS monthly prices by balance threshold
| Published balance threshold | VPS 1024 | VPS 2048 / 3072 |
|---|---|---|
| Below USD 500 | USD 12 | USD 15 / USD 17Source 20 |
| Above USD 500 | USD 10 | USD 12 / USD 15Source 20 |
| Above USD 1,000 | USD 8 | USD 10 / USD 13Source 20 |
| Above USD 3,000 | USD 6 | USD 8 / USD 10Source 20 |
| Above USD 5,000 | USD 4 | USD 6 / USD 8Source 20 |
| Hardware / billing | 1024: 1 core, 15 GB storage. | 2048/3072: 2 cores, 20/30 GB; charges deducted from funds. Exact threshold equality is not specified.Source 20 |
ForexCopy and PAMM are different services
Sections ↑Account comparison12
ForexCopy controls and charges
| Issue | Published operation |
|---|---|
| Minimum / control | Published minimum USD 10. Trades are copied to the follower’s account; the provider cannot withdraw the follower’s funds.Source 14 |
| Fees | Provider-selected terms may use profit share, per-profitable-trade/per-0.01-lot fees, or daily subscriptions. Existing subscriptions keep their agreed settings.Source 15 |
| Delay and pending orders | Copying may take up to two minutes. A pending order is copied when it executes on the provider’s account.Source 14 |
| Ending copying | The service FAQ requires the follower’s open copied trades to be closed before unsubscribing. Fee settlement can also occur at rollover; daily fees are listed at 23:30 GMT+2.Source 14 |
| Operational limits | Statistics can lag one to two hours. Insufficient funds to pay provider fees can cancel a subscription and affect recently copied trades.Source 15 |
Account comparison13
PAMM ownership, allocation and return rules
| Issue | Published operation |
|---|---|
| Allocation | Investors participate proportionally in a managed account’s gains/losses; the manager sets a profit share and cannot withdraw investor funds. Losses remain possible.Source 16 |
| Account and fee changes | USD accounts only. Changes to manager commission apply to new investments, not existing ones.Source 18 |
| Acceptance | An unanswered investment request returns after 72 hours. Accepted funds normally transfer within an hour.Source 17 |
| Redemption | Agreement allows up to two hours in normal conditions; final equity can differ from displayed statistics. Technical failures can delay processing.Source 17 |
| Partial withdrawals | The FAQ requires redemption of an entire investment ticket; separate tickets permit separate redemption. A profitable rollover can distribute profit without ending the investment.Source 18 |
| InstaWallet hold | A returned PAMM investment cannot move through InstaWallet for 12 hours.Source 17 |
International funding and bonus conditions
Sections ↑Pricing & charges14
Funding and withdrawal thresholds
| Issue | Published terms |
|---|---|
| Routes | Financial FAQ lists cards, bank transfers, Skrill and Neteller; availability and exact charges remain method-specific.Source 21 |
| Minimum withdrawal | Bank wire: USD 300. Cards/e-wallets: USD 1 including commission.Source 21 |
| Timing | FAQ: e-wallet withdrawals 1–7 hours; bank 2–4 days; Visa 1–6 banking days. These are published processing estimates.Source 21 |
| Same-owner return | Agreement normally requires the original payment route and details in proportion to deposits; certain withdrawals can take up to five working days.Source 6 |
| InstaWallet | External withdrawal waits five days after funding. Changing payment systems can cost 2% or 5%, depending on activity; same-system transfers have no such charge.Source 6 |
| Dormancy | After three consecutive inactive months, positive-balance accounts can incur USD 10 equivalent per month and/or closure.Source 6 |
Pricing & charges15
30% deposit bonus: margin and withdrawal implications
| Issue | Published conditions |
|---|---|
| Offer | Application-based credit on qualifying deposits; advertised compatibility with the Club Bonus. It is separate from the European account offer.Source 23 |
| Turnover | For USD accounts, withdrawal requires completed volume of three InstaLots for every USD of bonuses received, including cancelled/lost bonuses. Partial bonus withdrawal is not allowed.Source 24 |
| Cash withdrawal effect | A withdrawal that pushes bonus credit above 30% of remaining free margin can cancel excess credit.Source 24 |
| Profit restriction | The broker can attribute profit proportionally to cash and bonus and restrict the bonus-attributed share until qualification. “Profit withdrawal allowed” is conditional.Source 24 |
| Cancellation / asset scope | Credit may be removed without notice, affecting stop-out. The scheme is for Forex; using it on crypto/share CFDs may trigger cancellation.Source 24 |
| PAMM restriction | The bonus offer states PAMM investing is unavailable for this credit.Source 23 |
European account tiers: MT4 and MT5 differ
Sections ↑Account comparison16
European MT5 entry thresholds and headline commissions
| MT5 account | Minimum deposit | FX / index / commodity rate |
|---|---|---|
| ECN MINI | EUR 200 | USD 3.50 per USD 100,000 traded.Source 27 |
| ECN | EUR 1,000 | USD 3 per USD 100,000 traded.Source 27 |
| ECN PRO | EUR 10,000 | USD 2.50 per USD 100,000 traded.Source 27 |
| ECN VIP | EUR 50,000 | USD 1.50 per USD 100,000 traded.Source 27 |
Account comparison17
European MT4 entry thresholds
Pricing & charges18
European MT5 share/ETF minimum commission per side
Pricing & charges19
European pricing qualifications
| Issue | Detail |
|---|---|
| Currencies / MT5 minimum | EUR, USD, CZK, PLN; default MT5 minimum 0.01 lot.Source 27 |
| Deposit-linked minimums | On MT4 and MT5, the broker may raise minimum trades to 0.1 lot above USD 10,000 deposits and 1 lot above USD 100,000.Source 27 |
| MT5 shares/ETFs; crypto | MINI/ECN/PRO/VIP: shares/ETFs 0.04%/0.04%/0.025%/0.01%; crypto 0.12%/0.10%/0.075%/0.05%. Minimum fees apply.Source 27 |
| Commission timing | MT5 charges both sides; MT4 on opening. FX footnotes conflict with headlines, including zero outside majors; confirm the instrument tariff.Source 27 |
| Account name versus classification | “ECN PRO” is a commercial tier. Professional client status requires a separate assessment and changes legal protections.Source 32 |
| VIP service page discrepancy | A separate page advertises EUR 10,000 entry and 0.01-lot minimum generically. Its wording does not resolve the platform-specific differences above.Source 39 |
European leverage and retail protection
Sections ↑Protections & eligibility20
European retail leverage ceilings
Protections & eligibility21
European protections and classification
| Issue | Published rule |
|---|---|
| Close-out | 100% margin-call warning; retail stop-out at 50% of total required initial margin. The broker may close some or all positions.Source 31 |
| Negative balance | European retail protection operates per trading account; the broker restores a negative balance if automatic close-out fails.Source 31 |
| Professional clients | Up to 1:500 is advertised, with instrument/exposure conditions. The professional page excludes negative-balance protection and ICF cover.Source 32 |
| Client funds | Held separately from company money, potentially in omnibus accounts. The terms distinguish bank holdings from qualifying money-market funds, which need specific client consent.Source 28 |
| Compensation | For eligible clients, CySEC’s formula is the lower of 90% of cumulative covered claims and EUR 20,000 per failed member, aggregated across accounts. It addresses failure to return client money/instruments, not ordinary trading losses. The international entities do not inherit this Cyprus scheme.Source 33Source 43 |
European investment products and OYS
Sections ↑Account comparison22
Ownership and fees differ by product
| Product | Structure and published cost |
|---|---|
| Synthetic shares | Unleveraged share CFDs on MT5, with no commission or swaps. They are derivative contracts, not direct legal ownership of the shares.Source 34 |
| Synthetic ETFs | Unleveraged ETF CFDs, advertised without commissions or swaps and with raw spreads. ETF exposure does not establish custody of fund units.Source 35 |
| European OYS portfolios | Company-managed model accounts copied to the client. Minimum USD 2,000; appropriateness, verification and suitability checks apply. Leverage can create substantial losses.Source 36 |
| European OYS performance fee | 20% quarterly, plus underlying market fees. Cumulative-profit high-water treatment avoids charging twice on recovered profit; previous fees are not rebated after losses.Source 36 |
| OYS additional funding | Under the agreement, further deposits join copying by default unless other instructions are received; subscription removal and trade handling follow the agreed process.Source 37 |
| International OYS contrast | The .com offer is a different S&P 500 CFD account: USD 1,000 minimum, leverage up to 1:5 and 25% of profit on closing. Do not apply the European 20% quarterly terms.Source 19 |
European funding, inactivity and VPS charges
Sections ↑Pricing & charges23
European bank-withdrawal schedule
| Route | Band | Published charge |
|---|---|---|
| SEPA | Up to EUR 20,000 / above EUR 20,000 | EUR 20 / 0.1%.Source 30 |
| SWIFT, excluding CZK | Up to EUR 6,000; EUR 6,000.01–50,000; above EUR 50,000 | EUR 45; EUR 30 + 0.25%; 0.36%.Source 30 |
| SWIFT in CZK | Same EUR-equivalent bands | EUR 100; EUR 85 + 0.25%; EUR 55 + 0.36%.Source 30 |
| Processing | Method table | Within the next working day; payment-provider settlement is separate.Source 30 |
Pricing & charges24
European other charges and waivers
| Issue | Published treatment |
|---|---|
| Deposits | Company covers deposit fees but can recover them for no trading activity, illegal activity or agreement breaches.Source 29 |
| Card / e-wallet withdrawal | April 2025 tariff: card refund USD/EUR 1; Skrill 1%, plus 2.99% if wallet currency differs from EUR; Neteller 2%, minimum USD 1.Source 29 |
| Free withdrawal | Deposits of at least EUR 10,000 equivalent qualify for one free withdrawal per 30 calendar days, across account types.Source 29 |
| Dormancy | EUR 5 equivalent monthly after six consecutive months without trading; positive balance only, charged monthly until exhausted.Source 29 |
| VPS tariff | April 2025 schedule: EUR 35 monthly regardless of deposit/volume; deducted by the seventh day of the next month.Source 29 |
| Current VPS supplier | The live product page refers to ForexVPS.net. Check the provisioned plan against the tariff; it is distinct from international balance-linked VPS pricing.Source 38 |
Support and complaints follow the entity
Sections ↑Protections & eligibility25
Complaint submission and response
| Route | Published process |
|---|---|
| InstaFinance, BVI | The 21 August 2025 procedure uses [email protected] with the complaint form; acknowledgement within five business days, investigation normally two months, final response within three.Source 25 |
| BVI escalation | The procedure identifies the BVI FSC for regulatory concerns, explaining that it does not adjudicate individual disputes or award compensation.Source 25 |
| International trade claims | The public offer separately requires execution-related claims to [email protected] within two working days. This short trade-claim route is distinct from the formal complaints timetable.Source 6 |
| Instant Trading EU | Complaint form to [email protected]; acknowledgement within five days, usual investigation two months, final response within three. The Financial Ombudsman is an external route.Source 40 |
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.
InstaFinance Ltd
| Issuer & identifier | Recorded status | Date & scope |
|---|---|---|
| British Virgin Islands Financial Services CommissionSIBA/L/14/1082 | Authorised | Checked 10 Oct 2026The BVI FSC named record confirms InstaFinance Ltd as a regulated entity; the broker supplies this licence number. Scope belongs to this company.Source 41Source 1 |
Instant Trading EU Ltd
CyprusSource 42
| Issuer & identifier | Recorded status | Date & scope |
|---|---|---|
| Cyprus Securities and Exchange Commission266/15 | Authorised | Checked 10 Oct 2026Confirmed in CySEC’s current named investment-firm record.Source 42 |
Insta Global Ltd
Saint Vincent and the GrenadinesSource 1
No separate licence entry is recorded in this panel.
Sources & further reading
- International entity and licensing disclosures InstaForex · Accessed 10 Oct 2026
- International account types InstaForex · Accessed 10 Oct 2026
- New international account range — 10 December 2025 InstaForex · Accessed 10 Oct 2026
- International trading conditions and platform menu InstaForex · Accessed 10 Oct 2026
- MetaTrader platforms and downloads InstaForex · Accessed 10 Oct 2026
- Public Offer Agreement — InstaFinance Ltd InstaForex · Accessed 10 Oct 2026
- International specification catalogue and explanatory notes InstaForex · Accessed 10 Oct 2026
- Public currency specification feed by account InstaForex · Accessed 10 Oct 2026
- Public metal specification feed by account InstaForex · Accessed 10 Oct 2026
- Public energy specification feed by account InstaForex · Accessed 10 Oct 2026
- Public crypto specification feed by account InstaForex · Accessed 10 Oct 2026
- Swap-Free Trading Account Use Agreement InstaForex · Accessed 10 Oct 2026
- Special segregated-account service InstaForex · Accessed 10 Oct 2026
- ForexCopy service and operational FAQ InstaForex · Accessed 10 Oct 2026
- ForexCopy System Agreement InstaForex · Accessed 10 Oct 2026
- PAMM investment service InstaForex · Accessed 10 Oct 2026
- PAMM System Agreement InstaForex · Accessed 10 Oct 2026
- PAMM operational FAQ InstaForex · Accessed 10 Oct 2026
- International OYS account InstaForex · Accessed 10 Oct 2026
- International VPS plans and balance-linked prices InstaForex · Accessed 10 Oct 2026
- International funding and conversion FAQ InstaForex · Accessed 10 Oct 2026
- Trading conditions FAQ InstaForex · Accessed 10 Oct 2026
- 30% deposit-bonus offer InstaForex · Accessed 10 Oct 2026
- 30% Bonus Agreement InstaForex · Accessed 10 Oct 2026
- InstaFinance complaints procedure — 21 August 2025 InstaForex · Accessed 10 Oct 2026
- European regulation and geographic scope Instant Trading EU Ltd · Accessed 10 Oct 2026
- European MT5 and MT4 account tables Instant Trading EU Ltd · Accessed 10 Oct 2026
- European Terms and Conditions Instant Trading EU Ltd · Accessed 10 Oct 2026
- Costs and Charges — 25 April 2025, version 13 Instant Trading EU Ltd · Accessed 10 Oct 2026
- European deposit and withdrawal method table Instant Trading EU Ltd · Accessed 10 Oct 2026
- Leverage and Margin Policy — 24 September 2025 Instant Trading EU Ltd · Accessed 10 Oct 2026
- Professional client classification and lost protections Instant Trading EU Ltd · Accessed 10 Oct 2026
- Investor Compensation Fund policy Instant Trading EU Ltd · Accessed 15 Oct 2026
- Synthetic share CFDs Instant Trading EU Ltd · Accessed 10 Oct 2026
- Synthetic ETF CFDs Instant Trading EU Ltd · Accessed 10 Oct 2026
- European OYS portfolios and fees Instant Trading EU Ltd · Accessed 10 Oct 2026
- OYS Portfolio Service Agreement Instant Trading EU Ltd · Accessed 10 Oct 2026
- European VPS service provider Instant Trading EU Ltd · Accessed 10 Oct 2026
- European VIP service and fee waiver Instant Trading EU Ltd · Accessed 10 Oct 2026
- European Complaints Handling Procedure Instant Trading EU Ltd · Accessed 10 Oct 2026
- InstaFinance Ltd — current named regulated entity British Virgin Islands Financial Services Commission · Accessed 10 Oct 2026
- Instant Trading EU Ltd — current named investment-firm record Cyprus Securities and Exchange Commission · Accessed 10 Oct 2026
- CySEC ICF coverage calculation Cyprus Securities and Exchange Commission · Accessed 15 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.