4XC Review 2026

Trust

4XC Regulators

When reviewing a broker, we examine how each of its entities is regulated and assess how effectively they protect clients. We use a three-tier system to rank regulatory bodies, with Tier-1 being the most trusted and offering the highest level of protection.

This is what I discovered about 4XC:

• 4xCube Ltd is licensed and regulated by the Financial Supervisory Commission (FSC) of the Cook Islands under license number MC03/2018. We rate the FSC as a Tier-3 regulator.

How Does 4XC Protect You?

I reviewed the broker’s client agreement and other relevant legal documents to examine how 4XC protects its clients. I found that the legal section can be accessed from the ‘About Us‘ tab on the 4XC website, under ‘Legal‘. I also confirmed 4XC’s licensing info from the FSC website.

Here is what I found about 4xCube Ltd:

✅ Segregated Accounts – Client funds are kept separate from the company’s own capital.

⚠️ Negative Balance Protection – Your losses cannot exceed your invested capital only when trading FX pairs and metals. 4XC does not guarantee negative balance protection when trading instruments from other asset classes.

❌ Compensation Scheme – In the unlikely event of insolvency, you will not be entitled to insurance.

To learn more about the most important safety mechanisms and how they apply to you, check our dedicated guide on client protections.

Stability and Transparency

We also assess a broker’s stability and transparency. This includes how long the company has been in business, its size, and how openly it shares information about its business and services.

I researched 4XC’s background on its website and LinkedIn page. From there, I learned that the company was established in 2018, employs around 30 professionals, and is privately audited by a third-party accounting firm.

I also went over 4XC’s key legal documents, including its client agreement, terms and conditions, execution policy, and risk disclosure.

While there were no glaring issues, I was surprised by 4XC’s unusual negative balance protection policy. As of 14 January 2026, clause 3.12 of the broker’s client agreement states that the policy applies “ONLY to trades of FX (Forex) currency pairs and Metals”. This is very unusual for a broker and problematic for traders who use instruments other than FX pairs and metals, as their losses may exceed their account balance.

I appreciated 4XC’s live spreads feed on the website, which helps casual visitors assess the broker’s fee transparency and competitiveness. However, the displayed spreads are taken from the Pro account, which has lower spreads plus commissions. Consider this if you open a Standard account.

Is 4XC Safe?

Despite some issues with the negative balance protection, I concluded that 4XC is reasonably safe to trade with due to the following factors:

• Authorized by the FSC of the Cook Islands.
• Keeps client funds segregated.
• Provides partial negative balance protection.
• Required to provide optimal price quotes.
• Privately audited.

Fees

4XC Trading Fees

4XC Spreads

I tested 4XC’s spreads on the Standard and Pro accounts on 13 January 2025 during the London and New York opens. Here are my results:

Standard Account: I was most impressed by the low GBPJPY and DAX40 spreads, making 4XC a solid option for trading FX crosses and European indices. The spreads on EURUSD, XAUUSD, and US30 were closer to the industry average. There is a razor-sharp BTCUSD spread of $4, but it’s offset by a massive $100 commission per lot.

I also recorded a WTI spread of 0.13 pips, well above the industry benchmark. However, unlike most other brokers, whose standard WTI contract size is 1000 barrels, 4XC’s contract size is 100 barrels. I concluded that 4XC is not the best option for high-volume energy traders but decent enough for those with smaller account balances.

Pro Account offers very competitive spreads on GBPJPY, DAX40, and DOW30. Energy traders will also enjoy a much lower crude oil spread. In contrast, the Pro account features above-average costs on EURUSD and XAUUSD spreads. The BTCUSD is priced in exactly the same way as the Standard account.

4XC Swaps

A swap fee is the cost of keeping a trade open overnight, and it’s tied to the difference in interest rates between the two currencies in a pair. If you’re holding a buy (long) position, you may either pay or earn interest depending on the rates—this is called a swap long. The same applies to a sell (short) position, where the overnight charge or credit is called a swap short.

The values listed below are for one full base currency contract (100,000 units).

From my testing, I learned that 4XC’s swaps are higher than the industry average across all instruments, except the Dow Jones 30, which came in 20 times lower than the benchmark. Considering tight spreads on this instrument, I find 4XC to be a very good choice for US30 swing trading.

Note that swaps are subject to change over time, depending on fluctuating interest rates.

4XC Commissions (Pro Account)

In addition to spreads, 4XC charges commissions on its Pro account. Here is a breakdown of them per asset class:

I found that most commission rates are lower than the industry average, except for the $100 Bitcoin commission, which significantly exceeds the benchmark.

Note that 4XC charges commission on Bitcoin on both the Standard and Pro accounts.

Are 4XC’s Fees Competitive?

To help you understand how much you’ll pay to trade each instrument, I calculated the cost of trade using the formula: spread rate x pip value + commission rate.

**The base currency values are converted to US dollars.

My verdict is that the broker offers extremely favorable trading conditions for GBPPY and DAX 40 on both the Standard and Pro accounts.

I also concluded that 4XC offers competitive pricing for trading XAUUSD on its Standard account and US30 on its Pro account, while EURUSD pricing is aligned with the industry average for both.

The crude oil and Bitcoin cases are a bit unusual. The cost of a standard 4XC crude oil contract (100 barrels) is pretty low. However, when the contract size is adjusted against the industry average (1000 barrels), the picture changes. The Standard account’s WTI pricing exceeds the industry benchmark three times over, while the Pro account’s WTI price is aligned with it. Finally, 4XC’s Bitcoin price exceeds the industry average a few times over.

4XC Non-Trading Fees

Inactivity Fee: 4XC charges a $30 inactivity fee to dormant accounts after 30 days without placing any orders or performing any other account operations. The fee is charged monthly until account activity resumes or the balance drops to zero. Such a fee is quite high compared to many other brokers, considering that it’s charged after only a month of inactivity.

Platforms and tools

MetaTrader 5 Desktop

On January 14, at around 13:00 CET, I placed a standard market order on the DAX 40 index. Given that this is one of the most low-cost assets to trade with 4XC, I wanted to see how the platform handles placing orders for immediate entries. Everything was in order, and I did not experience any slippage or requotes.

While taking down my measurements, I also noticed that 4XC provides two servers. The one I was automatically connected to resulted in a ping of around 60 milliseconds, which is pretty standard for the industry. If you are looking for precise entries, 4XC may be a good option. However, keep in mind that the execution speed may differ depending on your location, internet speed, and other external factors.

A classic setup. I have done my fair share of trading on MetaTrader and have always liked it for its universal design, which was replicated by many newer platforms. You can easily spot your watchlist screen on the left-hand side and your charts screen on the right.

Easily Adaptable. What I like most about MT5 is how well it adapts to different trading styles and experience levels. It’s suitable for basic technical analysis, placing trading orders, and copy trading. MT5 is also loaded with multiple integrated tutorials, helping users learn how to use the platform.

DoM and EAs. Those interested in algorithmic trading will find the Depth of Market (DOM) tool very useful. The platform also features Expert Advisors (EAs) for automated trading and a strategy tester tool for performance assessment.

Acuity Signal Centre. 4XC also integrates Acuity Signal Centre on MT5, providing a steady stream of AI-generated, actionable trading signals. You can lock into a trade with preconfigured entry parameters with just a few clicks.

Outdated Charting Capabilities. On the downside, I consider MT5’s charts outdated and somewhat rugged compared to those on more modern platforms like cTrader and TradingView.

Availability & Features

The MT5 platform by 4XC is available for Windows and Mac users and supports 39 languages, including English, Spanish, German, Arabic, and Chinese.

MT5 features include:

• Price Alerts: Set alerts when an instrument hits a specific price — ideal for spotting trade entry opportunities.
• Customizable Watchlists: Keep tabs on your favorite instruments with ease.
• One-Click Trading: Enter trades instantly at market price — perfect for scalpers or fast-paced traders.
• Chart Trading: Place and manage orders directly from the chart, including entry points, volume, stop-loss, and take-profit levels.

Charting & Analysis Tools

MT5 is packed with analytical tools, including:

• 38 built-in technical indicators: From trend-following to oscillators and volume-based tools.
• 24 drawing tools: Including Fibonacci retracements, Elliott Waves, and more for technical pattern spotting.
• 21 timeframes: Great for multi-timeframe analysis — one of the largest offerings in the industry.
• 3 chart types: Line, bar, and candlestick options let traders view price action in their preferred format.

Notice, for example, how applying the Ichimoku Kinko – my favourite indicator for spotting large price trends – makes it difficult to discern the price action itself. It is also quite difficult to make out convergences and divergences on the MACD histogram below. Both of these problems are owing to MT’s poor visuals.

Overall, MT5’s charts are not ideal for traders accustomed to streamlined and easily scalable setups.

Order Types

MT5 offers three execution modes and covers all the core order types needed by most traders:

• Market Orders: Instant execution at the best available price — ideal for quick entries
• Limit Orders: Target a specific price level for entry, though execution isn’t guaranteed.
• Stop Orders: Protect open positions with predefined risk levels. Stop-loss orders automatically convert into market orders once triggered.

MT5 App

The MT5 mobile app is available on iOS and Android devices and offers most of the desktop version’s functionality. This makes the MT5 app a convenient tool for staying connected to the market and adjusting your positions on the go.

You can place market, limit, and stop orders, as well as manage position size and risk directly from the app. That said, the charting experience still feels a bit cramped, and price action can be hard to scale and analyze comfortably on a small screen.

VPS Hosting

4XC provides Virtual Private Server (VPS) hosting for low-latency trading and a stable internet connection. I recommend this service to algorithmic and high-volume traders seeking fast, precise execution.

The service is free for traders with funded accounts of at least $5,000 who achieve a monthly traded volume of at least 4 lots.

4XC Execution Model

4XC operates as a Straight-Through Processing (STP) broker without a dealing desk. Client orders are routed to the broker’s pool of liquidity providers, where they are filled at the best possible price.

Tradable instruments

Compared to the industry average, 4XC offers a large number of currency pairs but a limited selection of commodities, indices, and cryptocurrencies.

However, 4XC does not offer any stocks, ETFs, or bonds, so you cannot really diversify your positions. Still, the overall selection is enough to satisfy the needs of casual traders interested in the more popular markets, especially forex.

What CFDs Can You Trade With 4XC?

Customer support

Customer Support Channels

Customer Support Test

When we test a broker’s customer support, we evaluate the agent’s knowledge of their own website, the time it takes them to respond to questions, and the level of detail in their answers.

I performed my test on January 15 at approximately 12:00 CET via live chat. I provided my name, email address, and phone number, and was promptly connected to 4XC’s chatbot. First, I asked about the copy trading service and whether the broker charged a servicing fee for it. I also asked about 4XC’s execution model and negative balance protection.

The bot’s responses were instant and fairly insightful. However, I noticed some gaps in its knowledge. For example, the chatbot wasn’t aware that 4XC’s negative balance protection only applies to trading FX pairs and metals.

Overall, I would recommend using 4XC’s chatbot only for general topics. And if you need more detailed information, it’s better to reach out to 4XC’s agents.

Deposit and withdrawal

How Do You Deposit Money with 4XC

How Do You Withdraw Money with 4XC

Account types and terms

How to Open an Account With 4XC

To open an account with 4XC, I followed these simple steps:

1. I clicked ‘Get Started’ at the top-right corner of the main page.
2. I stated my name, date of birth, and country of residence.
3. I provided my phone number and email address.
4. I agreed to 4XC’s T&Cs and proceeded with the registration.
5. I confirmed my email address and received the login credentials.
6. I confirmed I have read and understood 4XC’s Terms and Conditions.
7. I provided the rest of my personal details.
8. I uploaded proof of ID and proof of address to verify my account.
9. I configured the parameters of my trading account.

4XC Account Types

The three 4XC accounts differ in pricing, deposit requirements, and target clients. With $50 minimum deposit, the Standard account is the most affordable option. However, I found that it features higher trading costs.

If you’re seeking the lowest pricing, I recommend the VIP account. It features raw spreads and a $4 commission per lot, beating the industry average of $6. The catch is that the VIP account has a steep $10,000 barrier to entry.

I consider the Pro account the most balanced option. While its minimum deposit is only $100, my hands-on testing revealed that you’ll get pretty competitive pricing on most of the more popular instruments.

I also tested the execution performance of both the Standard and Pro accounts and recorded a ping of 60 ms, which aligns with industry standards. I also learned that all accounts use a 100% margin call and a 50% stop-out, which trigger a warning when your free margin falls dangerously low.

Demo Accounts

4XC offers a demo account on the MetaTrader 4 and MetaTrader 5 platforms. With a demo account, you can explore the functionality of trading platforms and test your strategies without depositing any funds. Since markets are constantly changing, it’s crucial to keep your skills sharp without risking real money. You can open a demo account before or alongside your live CFD account.

Swap-Free (Islamic) Accounts

4XC offers an Islamic account for swap-free trading. It is only available with the Standard account’s pricing. For further information, please contact 4XC’s customer support.

What Leverage Does 4XC Offer?

4XC offers a maximum leverage of 1:500, which is considered pretty high. For example, if you deposit $100, you could open positions that are 500 times larger. In other words, you would be able to place orders of $50,000. In that way, the leverage allows you to amplify your market exposure.

While the leverage can boost your profits, it can also significantly increase your losses. So make sure you are fully aware of the risks associated with margin trading before you start trading on leverage.

4XC Restricted Countries

4XC does not accept clients from the USA, Iraq, Iran, Myanmar, North Korea, Portugal, Ukraine, or any other restricted country or jurisdiction where trading is prohibited by law.

Research

Economic Calendar

The economic calendar is a fundamental research tool that informs traders of upcoming economic releases and financial news that could move the market and create viable trading opportunities.

What I like about Acuity’s economic calendar is that it also tracks the historical performance of various economic indicators. You can read about past releases and how the market behaved then to assess how it is likely to behave during the next release. This gives you valuable insights into market seasonality. However, keep in mind that historical data is not a 100% guarantee of future market behavior.

Acuity Signal Centre

The Acuity plugin lets you track emerging trading opportunities across multiple assets. You can read about developing price patterns and what they entail, the underlying market sentiment, viable entry levels, take-profit levels, stop-loss orders, and more. I found these signals most convenient for day trading and news trading.

To access the full Acuity Signal Centre package, you must have deposited at least $500 into your account.

Education

4XC caters to the needs of first-time traders with its three educational courses: “Introduction to Forex”, “Technical Analysis”, and “Fundamental Analysis”. You can learn about price action behavior and how to spot various price patterns, how to implement different trading strategies, how to understand market-moving headlines, and much more.

The other thing I really liked about 4XC’s offering is that it includes three third-party academies: “Alpha FX Academy”, “T4F Academy”, and “UK Trading Academy”. They help you gain a deeper, more comprehensive understanding of trading basics. By subscribing to these academies, you also obtain morning briefings, live streaming sessions, practical insights into various trading strategies, and much more.

The bottom line

Founded in 2018 and headquartered in the Cook Islands, 4XC is making a name for itself with its robust market research content and rich collection of educational materials.

I was most impressed by 4XC’s rock-bottom costs for trading the GBPJPY pair and the German DAX40 index. From live testing, I also learned that the broker averages execution speeds of around 60 milliseconds, which is in line with the industry average. And if you seek even faster execution, you can take use of 4XC’s free VPS hosting.

The broker offers the standard MT4 and MT5 suites. You can use both platforms for basic technical analysis and easy order execution. Moreover, you can install the Acuity plugin and receive actionable trading signals directly on the platform.

No broker is perfect, and 4XC certainly has its disadvantages, such as its high crude oil spread and high Bitcoin commission. It also does not offer any stocks, and its instrument offering is pretty limited.

If you are a beginner trader looking for solid education, an algo trader looking for swift and precise execution, or simply looking for cost-free copy trading, then 4XC may be the broker you’ve been looking for.