Fx Find

4XC Review 2026

Updated 30 Sep 2026

Desk score

6.7/10
  • 4XC by Client Region and Legal Entity 4.5
  • Trading Costs by Account and Instrument 8.0
  • Build a Trading Setup 8.0
  • Tradable Markets: Range and Restrictions 7.0
  • Customer Support 7.5
On this page

The 4XC Decision Map

Decision QuestionFxFind Finding
Main reason to consider itMT4/MT5 access, platform-based automation, copy trading and account options with spreads from 0.0 pips on Pro and VIP.
Main limitation4XC is regulated in the Cook Islands, has no investor compensation scheme, and charges withdrawal fees that vary by payment method.
Most natural fitTraders who use MetaTrader, EAs or copy trading and are comfortable assessing the protections and costs of the Cook Islands offering.
Relevant account/platform setupStandard starts at $50; Pro at $100; VIP at $10,000. These accounts use MT4 or MT5. Forward Contracts are MT5-only, while Investment accounts use the 4XC Investment/PAMM interface.
FxFind Rating6.72/10
View the FxFind rating breakdown
CategoryScore
Trust and Safety4.5/10
Fees and Commissions8.0/10
Deposits and Withdrawals8.0/10
Tradable Instruments7.0/10
Setup8.0/10
Account Opening9.0/10
Customer Support7.5/10
Trading Conditions8.0/10
Market Research and Education6.0/10

4XC offers a range of MetaTrader tools and several ways to trade or allocate capital. The trade-off is that its leverage and account options sit within a Cook Islands regulatory framework, while some ongoing and withdrawal costs depend on account type and payment method.

Pros
  • MT4 and MT5 support desktop, web and mobile trading. EAs can run through desktop or VPS environments.
  • Copy trading, HokoCloud integration and PAMM-style investing offer alternatives to self-directed trading.
  • Standard accounts start at $50, while Pro accounts start at $100 and offer spreads from 0.0 pips.
Cons
  • 4XC is regulated in the Cook Islands and has no investor compensation scheme.
  • Withdrawal fees vary by method; published charges apply to crypto and some bank-transfer routes.
  • Swap-free terms are limited to Standard accounts, and the exemption lasts 30 days.

4XC by Client Region and Legal Entity

4.5/10

4xCube Ltd operates 4XC from the Cook Islands and is authorized by the Cook Islands Financial Supervisory Commission (FSC). The Cook Islands is the stated regulatory jurisdiction; no separate mapping of entities by client region is available here.

Client Location / GroupContracting EntityRegulatorLicenceWhat Changes for the Client
Cook Islands-regulated offering4xCube LtdFSC, Cook IslandsMC03/2018No investor compensation scheme is offered. Client funds are segregated. Negative balance protection is described as applying mainly to FX and metals for retail clients; professional clients could still lose more than their deposits.

Protection by Entity

4XC says client funds are held in dedicated accounts, separate from company operating capital, and are not used for hedging, investment or company liabilities. It describes the accounts as subject to regular external review and audit. Negative balance protection is not universal: coverage mainly concerns FX and metals, retail clients are generally covered by default, and professional clients may remain liable for losses beyond their deposits.

Residents of the Cook Islands, the United States, Iraq, Iran, Myanmar, North Korea, Portugal and Ukraine are restricted.

Trading Costs by Account and Instrument

8.0/10

Representative Trading Costs

Pricing depends on the account tier. Standard is commission-free on forex, metals, indices and oil; Pro and VIP combine tighter spreads with per-lot commissions on FX and metals. The average spreads below are broker-reported and are not assigned to a specific account type.

InstrumentSpread BasisCommissionImportant Condition
EUR/USDBroker-reported average: 0.82 pipsStandard: no FX commission. Pro: $5 round-turn per FX lot. VIP: $4 round-turn per FX/metals lot.Pro and VIP spreads start from 0.0 pips; the reported average is not assigned to a specific account tier.
GBP/USDBroker-reported average: 1.08 pipsStandard: no FX commission. Pro: $5 round-turn per FX lot. VIP: $4 round-turn per FX/metals lot.Pro and VIP spreads start from 0.0 pips; the reported average is not assigned to a specific account tier.
Gold (XAU/USD)Broker-reported average: 0.25 pointsStandard: no metals commission. Pro: $5 round-turn per FX/metals lot. VIP: $4 round-turn per FX/metals lot.The spread is measured in points; the reported average is not assigned to a specific account tier.
S&P 500 CFDBroker-reported average: 1.2 pointsStandard: no commission on indices.The account-specific spread is not identified.
CryptocurrenciesVariable; the live spread is shown in the trading platform.Standard crypto trades incur a flat commission.The commission amount is not specified here.

Costs Outside the Trade

Trader BehaviorPossible CostBroker Rule
Holding leveraged positions overnightSwap or rollover feeFees depend on the instrument and whether the position is long or short. Triple swaps apply on Wednesday nights for forex, metals and bonds, and typically Friday nights for energies, indices and cryptocurrencies.
Using an Islamic accountStandard interest-bearing financing after the exemptionSwap-free accounts are limited to Standard; the exemption lasts 30 days, after which the account automatically converts to a standard, interest-bearing account.
Leaving an account inactive$30 per monthCharged after one month of inactivity.
Withdrawing fundsMethod-specific feesPublished routes include $10 for crypto and $10 for bank transfers; other routes range from free to 3%, and VIP withdrawals are fee-free. Exact terms depend on the route and method.
Transferring between accounts with different base currencies1% currency conversion feeApplies when transferring between trading accounts with different base currencies.
Depositing fundsNo broker deposit feeThird-party providers may charge fees or currency-conversion costs.

Holding time and withdrawal method can materially affect trading costs. FX and metals traders should compare Standard's spread-only structure with the Pro or VIP commission model using their own trade sizes; the published average spreads are not tied to a specific tier.

Key Trade-Offs to Consider

Raw-Spread Pricing Requires a Larger Deposit and Commission

Pro accounts start at $100 and VIP accounts at $10,000, with spreads from 0.0 pips and commissions on FX and metals. Standard starts at $50, has no FX or metals commission, and spreads start from 1.0 pip. Active traders may compare the lower-spread route with its commission; those seeking a lower initial deposit and a simpler commission structure may prefer Standard.

High Forex Leverage Comes with a Cook Islands Regulatory Framework

Forex leverage reaches 1:500, but 4XC is regulated by the Cook Islands FSC and offers no investor compensation scheme. For traders who prioritise the regulatory regime and compensation arrangements attached to an account, these terms matter more than the headline leverage.

MetaTrader Automation Is Supported, but There Is No Standalone API

MT4 and MT5 support EAs, and 4XC offers VPS hosting subject to activity or balance criteria. It does not provide a separate REST or FIX API for custom development. MQL-based strategies have a supported route, but developers requiring a standalone API do not.

Build a Trading Setup

8.0/10

Account and Platform Compatibility

AccountCompatible PlatformsPricing ModelAutomationImportant ConstraintNatural Use Case
StandardMT4 / MT5Minimum deposit $50; spreads from 1.0 pip; no FX, metals, indices or oil commission. Crypto trades incur a flat commission.MT4/MT5 EAs are supported on desktop or VPS environments.Islamic swap-free terms are available only on this account type and last 30 days before automatic conversion to a standard interest-bearing account.Traders seeking the lowest stated account minimum or commission-free FX and metals trading.
ProMT4 / MT5Minimum deposit $100; spreads from 0.0 pips; $5 round-turn commission per FX/metals lot.MT4/MT5 EAs are supported on desktop or VPS environments.Does not qualify for swap-free trading.Traders comparing tighter spreads with a per-lot commission.
VIPMT4 / MT5Minimum deposit $10,000; spreads from 0.0 pips; $4 round-turn commission per FX/metals lot.MT4/MT5 EAs are supported on desktop or VPS environments.Does not qualify for swap-free trading.Traders whose funding meets the higher entry threshold and who want the stated VIP commission schedule.
Forward ContractsMT5Exchange/contract pricing; no single forex spread. Minimum deposit not separately published.MT5-based automation/Expert Advisors are available through the MT5 environment; Forward Contracts are MT5-only.B3 Brazilian futures/forwards access; swap-free.Clients seeking access to the stated Brazilian futures and forwards through MT5.
Investment4XC Investment/PAMM interfaceStrategy-dependent; minimum deposit is strategy-dependent.Investor accounts allocate capital to strategies rather than use a self-directed pricing tier.Pricing and minimums depend on the selected strategy.Investors allocating capital to verified strategies through PAMM.

Platform-Specific Differences

PlatformWebDesktopMobileAutomationMain Limitation
MetaTrader 4MT4 WebTraderDesktop terminaliOS / AndroidExpert Advisors using MQL4 on desktop or VPSFull MQL4, EA and custom-script functionality is centred on desktop/VPS; browser and mobile clients lack the complete desktop automation environment.
MetaTrader 5MT5 WebTerminalDesktop terminaliOS / AndroidExpert Advisors using MQL5, Strategy Tester and MQL5 automation on desktop or VPSFull EA/custom-code development and testing are centred on desktop/VPS; browser and mobile versions are primarily for trading and monitoring.

Practical Setup Assessment

Manual traders can use either MetaTrader platform on desktop, web or mobile. For algorithmic trading, EAs run through MT4 or MT5 on desktop or VPS; HokoCloud provides the VPS, with free access subject to account activity or balance criteria. Social and copy trading are also available through MT4/MT5, HokoCloud and signals in the 4XC Dashboard. PAMM provides a separate route for investors allocating funds to a strategy manager.

4XC does not provide a standalone REST or FIX API. Its API-trading support consists of platform-based automation through MQL scripting, not a separate interface for custom development.

Trading Conditions and Position Management

Entering the Market

4XC uses an STP/NDD execution model and says it routes orders to liquidity providers rather than taking the opposite side as a market maker. Scalping, hedging, news trading and automated strategies are permitted. Normal market execution can produce fills at prices different from the requested level, so slippage remains possible.

Leverage

Maximum retail leverage varies by market. These are stated maximums; leverage can fall for larger positions, during volatility or news, or under another legal entity.

MarketMaximum Retail LeverageProfessional / Other Eligible LeverageWhat Determines It
Forex1:500-The maximum can fall for larger positions, during volatility/news, or under another legal entity. No separate professional/eligible-client leverage tier is publicly stated for this offering.
Indices1:200-The maximum can fall for larger positions, during volatility/news, or under another legal entity. No separate professional/eligible-client leverage tier is publicly stated for this offering.
Commodities1:500-The maximum can fall for larger positions, during volatility/news, or under another legal entity. No separate professional/eligible-client leverage tier is publicly stated for this offering.
Stocks---
Bonds---
Cryptocurrencies1:20-Crypto access varies by entity and jurisdiction. The maximum can fall for larger positions, during volatility/news, or under another legal entity. No separate professional/eligible-client leverage tier is publicly stated for this offering.
Other---

Margin Calls and Stop-Outs

The margin call level is 100%, and the stop-out level is 50%. These thresholds help traders monitor account equity against the margin required to maintain open positions.

Trading Restrictions

Trading ActivityStatusImportant Conditions
ScalpingAllowedSupported on MT4 and MT5.
HedgingAllowedPermitted under the NDD/ECN offering.
News tradingAllowedNo restrictions are stated for news trading.
Expert Advisors and algorithmic tradingSupportedAutomation runs through MT4/MT5 MQL tools; VPS access is subject to activity or balance criteria.
Standalone API tradingNot offeredNo separate REST or FIX API is available.

Tradable Markets: Range and Restrictions

7.0/10

Asset ClassApprox. InstrumentsWhat Is NotableMain Restriction / Gap
Forex61Margin FX trading; swaps may applyThe maximum can fall for larger positions, during volatility/news, or under another legal entity. No separate professional/eligible-client leverage tier is publicly stated for this offering.
Indices11Cash- and futures-referenced index derivativesThe maximum can fall for larger positions, during volatility/news, or under another legal entity. No separate professional/eligible-client leverage tier is publicly stated for this offering.
Commodities4Spot- and futures-referenced commodity derivativesThe maximum can fall for larger positions, during volatility/news, or under another legal entity. No separate professional/eligible-client leverage tier is publicly stated for this offering.
StocksNot Offered--
BondsNot Offered--
Cryptocurrencies5Crypto access varies by entity and jurisdictionThe maximum can fall for larger positions, during volatility/news, or under another legal entity. No separate professional/eligible-client leverage tier is publicly stated for this offering.
OtherNot Offered--

These markets are derivatives and do not confer ownership of the underlying assets. The range focuses on forex, indices, commodities and a small cryptocurrency selection; stocks and bonds are explicitly not offered.

Opening, Funding, and Withdrawing From an Account

Account Opening and Verification

4XC requires KYC verification before clients can fund an account and begin trading. Applicants must provide a valid passport, national ID card or driving licence, valid for at least the next three months and showing the required identity details. Proof of address may be a utility bill, bank or card statement, or rental agreement dated within the previous six months and bearing the applicant’s name. Residents of the Cook Islands, United States, Iraq, Iran, Myanmar, North Korea, Portugal and Ukraine are restricted.

Minimum deposits are $50 for Standard, $100 for Pro and $10,000 for VIP. Fixed minimums for Forward Contracts and Investment accounts are not separately specified.

Deposit Methods

MethodDeposit MinimumBroker FeeExpected ArrivalImportant Restriction
Advcash$50No broker deposit feeInstantADVCash is now Volet.com. Availability depends on your country, account verification and the services supported by the broker.
Apple Pay$50No broker deposit feeInstantRequires a supported Apple device, eligible card and supported country or region. Availability also depends on the broker's payment provider.
Bitcoin$50No broker deposit feeInstantSend BTC only to the Bitcoin address and network shown in the deposit instructions. Incorrect transfers may be irreversible.
Ethereum$50No broker deposit feeInstantSend ETH only through the network shown in the deposit instructions. Do not use another Ethereum-compatible or Layer-2 network unless it is explicitly supported.
Google Pay$50No broker deposit feeInstantRequires a supported device or country and an eligible card or bank account. Availability depends on the issuer and the broker's payment provider.
Mastercard$50No broker deposit feeInstantYour card must support online payments and be accepted by the broker. Issuer, country, currency and authentication limits may apply.
Neteller$50No broker deposit feeInstantRequires an eligible NETELLER account. Country availability, account verification and transaction limits may apply.
PayRetailers$50No broker deposit feeInstantLocal payment methods, currencies and limits vary by country and the broker's payment setup.
Skrill$50No broker deposit feeInstantRequires an eligible Skrill account. Country availability, account verification and transaction limits may apply.
Sticpay$50No broker deposit feeInstantRequires an eligible STICPAY account. Country restrictions, verification requirements and transaction limits may apply.
Tether$50No broker deposit feeInstantUSDT is available on multiple networks. Use only the exact network and address shown in the deposit instructions; a network mismatch may result in permanent loss.
Visa$50No broker deposit feeInstantYour card must support online payments and be accepted by the broker. Issuer, country, currency and authentication limits may apply.
Wire Transfer$50No broker deposit fee1–3 business daysUse the exact beneficiary, bank details and payment reference provided. Intermediary bank fees, currency conversion and processing delays may apply.

Withdrawal Methods

MethodWithdrawal MinimumBroker FeeExpected ArrivalImportant Restriction
Advcash$20Method-specific; published 4XC routes range from free to 3% (VIP withdrawals are fee-free)Broker processing within 24 business hours; provider arrival varies by methodADVCash is now Volet.com; availability depends on country, verification and broker support.
Apple Pay$20Method-specific; published 4XC routes range from free to 3% (VIP withdrawals are fee-free)Broker processing within 24 business hours; provider arrival varies by methodNot a standalone payout balance; refunds return to the original linked payment card.
Bitcoin$20$10 on the published crypto route; exact route/network can varyBroker processing within 24 business hours; provider arrival varies by methodUse a valid Bitcoin address and supported network; crypto withdrawals are irreversible.
Ethereum$20$10 on the published crypto route; exact route/network can varyBroker processing within 24 business hours; provider arrival varies by methodUse the exact supported network and receiving address; do not assume other EVM networks are accepted.
Google Pay$20Method-specific; published 4XC routes range from free to 3% (VIP withdrawals are fee-free)Broker processing within 24 business hours; provider arrival varies by methodNot a standalone payout balance; refunds return to the original linked payment method.
Mastercard$20Method-specific; published 4XC routes range from free to 3% (VIP withdrawals are fee-free)Broker processing within 24 business hours; provider arrival varies by methodAvailable only through supported card-payout or refund routes; issuer and regional restrictions apply.
Neteller$20Method-specific; published 4XC routes range from free to 3% (VIP withdrawals are fee-free)Broker processing within 24 business hours; provider arrival varies by methodRequires an eligible NETELLER account; verification, country and wallet limits apply.
PayRetailers$20Method-specific; published 4XC routes range from free to 3% (VIP withdrawals are fee-free)Broker processing within 24 business hours; provider arrival varies by methodAvailable payout methods, currencies and limits vary by country and broker integration.
Skrill$20Method-specific; published 4XC routes range from free to 3% (VIP withdrawals are fee-free)Broker processing within 24 business hours; provider arrival varies by methodRequires an eligible Skrill account; verification, country and wallet limits apply.
Sticpay$20Method-specific; published 4XC routes range from free to 3% (VIP withdrawals are fee-free)Broker processing within 24 business hours; provider arrival varies by methodRequires an eligible STICPAY account; country, verification and wallet limits apply.
Tether$20$10 on the published crypto route; exact route/network can varyBroker processing within 24 business hours; provider arrival varies by methodUSDT uses multiple networks; select the exact supported network or funds may be lost.
Visa$20Method-specific; published 4XC routes range from free to 3% (VIP withdrawals are fee-free)Broker processing within 24 business hours; provider arrival varies by methodAvailable only through supported card-payout or refund routes; issuer and regional restrictions apply.
Wire Transfer$20$10 on the published bank-transfer route; exact route can varyBroker processing within 24 business hours; provider arrival varies by methodEnter bank, recipient and SWIFT/BIC details exactly; fees and processing delays may apply.

Payment Rules

Card withdrawals are limited to supported payout or refund routes. Apple Pay and Google Pay refunds return to the original linked payment method, and provider arrival times may differ from 4XC's processing time. Base currencies include USD, EUR and GBP, with BRL available on selected MT5 profiles. Transfers between trading accounts with different base currencies incur a 1% conversion fee.

Customer Support

7.5/10

RouteAccessHoursHuman / AutomatedLanguages / Conditions
Live ChatLive chatMon–Fri 00:00–24:00; Sat 00:00–07:00 (GMT+2); Sun closedHuman / agent-assistedMultilingual.
Email[email protected]Messages accepted 24/7; staffed Mon–Fri 00:00–24:00 and Sat 00:00–07:00 (GMT+2); Sun closedHuman / agent-assistedMultilingual; asynchronous, and verification may be required.
Phone+44 8000 488 033Mon–Fri 00:00–24:00; Sat 00:00–07:00 (GMT+2); Sun closedHuman / agent-assistedMultilingual; regional availability may vary.
Account ManagerAssigned account-manager supportNot listedHumanLanguage and availability depend on the assigned manager and client relationship.

Customer feedback often mentions prompt replies and practical guidance. Some users report difficulties with withdrawals and lengthy verification cases; these are customer accounts, not independently established findings.

Research, Trading Tools, and Education

User NeedAvailable ResourcesProviderAccess RequirementDepth / Limitation
Trade ideas and directional setupsTrading Signals / Signal CentreAcuity TradingRequires a 4XC trading account with at least USD 500 or equivalent balance; install the Acuity tool in MT4 or MT5.Analyst- or algorithm-generated signals may expire quickly and are not personalised advice.
Scheduled economic eventsEconomic CalendarAcuity TradingInstall the Acuity Trading tool in MT4 or MT5; no separate USD 500 threshold is stated for the calendar.Shows scheduled macro events with actual, forecast and previous data; it does not capture unscheduled news or every market-moving event.
Market contextMarket Insights4XC / Acuity TradingAccess depends on the 4XC/Acuity tool and platform; no separate account threshold is stated.Provides high-level market context and themes rather than a standardised formal research report.

Educational materials are available through general resources, Alpha FX Academy, T4F Academy and UK Trading Academy. These provide several learning routes, but their curricula and depth are not detailed here.

Who 4XC Fits

Trader ProfileWhy It May Suit ThemMain Reservation
MetaTrader EA usersMT4 and MT5 support EAs, and 4XC offers HokoCloud VPS access subject to activity or balance criteria.Automation is MQL-based; no standalone REST or FIX API is available.
Active FX or metals traders comparing spread and commissionPro and VIP offer spreads from 0.0 pips with stated round-turn commissions; Standard has no FX or metals commission.VIP requires a $10,000 minimum deposit, and swap-free trading is unavailable on Pro or VIP.
Copy-trading followers or strategy providersCopy trading is available through the 4XC Dashboard and MT4/MT5, with HokoCloud integration.Following independent signal providers does not remove the risk of trading losses.
Investors seeking managed-strategy accessInvestment/PAMM accounts allow investors to allocate capital to verified strategies.Minimum deposit and pricing depend on the selected strategy.

Before you deposit

Key Conditions to Verify Before Funding

Client eligibility and regulatory framework Tap to read the check Tap to collapse

4XC restricts residents of the Cook Islands, United States, Iraq, Iran, Myanmar, North Korea, Portugal and Ukraine. The offering is regulated in the Cook Islands and has no investor compensation scheme.

Account minimums Tap to read the check Tap to collapse

The minimum is $50 for Standard, $100 for Pro and $10,000 for VIP; Forward Contracts and Investment minimums are not fixed here.

Withdrawal charges Tap to read the check Tap to collapse

Published routes include $10 fees for crypto and bank transfers, while other methods range from free to 3%; the exact route and VIP status affect the charge.

Swap-free account limit Tap to read the check Tap to collapse

Islamic swap-free terms are limited to Standard accounts and last 30 days before automatic conversion to a standard interest-bearing account.

Payment network and refund rules Tap to read the check Tap to collapse

Use the exact supported crypto network and address. Card and mobile-wallet refunds may return only to the original linked payment method.

FxFind's Assessment on 4XC

4XC offers a broad MetaTrader setup: MT4 and MT5 support manual trading, MQL-based EAs and copy-trading connections, while PAMM provides a separate way to allocate capital to strategies. Its tiered accounts offer a choice between Standard's commission-free FX and metals pricing and the tighter stated spreads on Pro and VIP.

That choice comes with structural trade-offs. 4XC is regulated in the Cook Islands, has no investor compensation scheme, and applies withdrawal and financing terms that can materially affect net costs. The setup is relevant to MetaTrader users interested in automation or copy trading who understand the account-specific pricing and are comfortable with the regulatory framework. Traders seeking a different regulatory or compensation structure, or a standalone REST/FIX API, may find the offering less suitable.

Review method: This assessment draws on broker product information, FxFind scoring, market and payment specifications, and customer feedback. See the FxFind Broker Review Methodology for scoring criteria and weightings.

Questions Readers Usually Have About 4XC

Which regulator oversees 4XC?

4xCube Ltd operates 4XC from the Cook Islands and is authorized by the Cook Islands Financial Supervisory Commission (FSC), licence MC03/2018. 4XC has no investor compensation scheme.

What is the minimum deposit at 4XC?

The minimum is $50 for Standard, $100 for Pro and $10,000 for VIP. Investment account minimums depend on the selected strategy, and Forward Contracts have no separately published minimum.

Does 4XC support MT4, MT5 and automated trading?

Yes. MT4 and MT5 are available on desktop, web and mobile, and EAs can run through MQL on desktop or VPS environments. 4XC has no separate REST or FIX API.

Are Islamic accounts available on every 4XC account?

No. Swap-free terms are limited to Standard, not Pro or VIP. The exemption lasts 30 days, after which the account automatically converts to a standard, interest-bearing account.

What withdrawal fees does 4XC charge?

Fees depend on the payment route. Published crypto and bank-transfer routes carry a $10 charge, while other routes range from free to 3%; VIP withdrawals are fee-free.

Which countries are restricted by 4XC?

4XC restricts residents of the Cook Islands, United States, Iraq, Iran, Myanmar, North Korea, Portugal and Ukraine.

Does 4XC offer copy trading?

Yes. Copy trading is available through the 4XC Dashboard and MT4/MT5, with HokoCloud integration. Traders can follow independent signal providers or register as strategy providers.

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