4XC Review 2026

Operating from Avarua since 2018, 4XC is an offshore STP and NDD brokerage run by 4xCube Ltd and licensed by the Financial Supervisory Commission (FSC) of the Cook Islands. While this Tier-3 regulatory framework does not include a statutory compensation scheme, the firm isolates client deposits in segregated bank accounts audited by McMillan Woods and provides negative balance protection on retail forex and metals positions.

Trading runs on MetaTrader 4 and MetaTrader 5, covering floating-spread instruments across currencies, commodities, indices, digital assets, and options. Account tiers begin at $50 for the spread-only Standard option and $100 for the raw-spread Pro profile, both offering leverage up to 1:500 alongside full permission for scalping, hedging, news trading, and automated strategies. Balancing these flexible trading parameters are several account maintenance frictions, notably widespread withdrawal fees, inactivity charges, and the structural limitations of offshore oversight.

Pros and Cons

Who Regulates 4XC?

4XC is the brand identity of 4xCube Ltd, an entity authorized and regulated by the Financial Supervisory Commission (FSC) of the Cook Islands under license number 12767/2018. Within global supervisory tiers, this offshore jurisdiction falls into the Tier-3 category. While the FSC enforces local regulatory compliance, it does not administer an investor compensation fund to protect retail balances if the brokerage encounters financial failure.

How Your Money Is Protected

Client balances remain segregated from 4xCube Ltd's own operational funds. Deposits are maintained in segregated bank accounts and cannot be directed toward business operating costs, corporate obligations, or broker hedging positions. Independent accounting firm McMillan Woods regularly reviews these segregated balances to confirm reporting compliance.

Retail traders receive negative balance protection covering spot metals and currency pairs, ensuring client liabilities cannot exceed total deposits. This safeguard does not automatically extend to professional client profiles, which remain liable for deficits stemming from extreme price movements. Traders should verify their account classification and protection status upon opening their profile.

Company Background and Track Record

Founded in 2018, 4XC manages its operations from Avarua, Rarotonga, in the Cook Islands. As an unlisted, closely held corporation, the firm does not publish audited financial statements on public exchanges. Several regional restrictions apply; 4XC does not take clients from jurisdictions including the United States, Cook Islands, Ukraine, Portugal, Iran, Iraq, Myanmar, and North Korea.

Trading Costs

Trading costs at 4XC reflect the chosen pricing structure. Standard accounts feature spread-only pricing on core markets, where EUR/USD spreads average 0.82 pips. Pro and VIP accounts quote direct raw spreads from liquidity providers combined with a fixed commission of $5 per round lot on currencies and metals. Baseline transaction costs across standard trade sizes are detailed below.

Non-Trading Fees

Deposit Fees

4XC applies a $0 deposit fee across all supported deposit routes, including credit cards, digital wallets, and cryptocurrencies. Any fees incurred during deposit are levied independently by intermediary banks or external payment processors.

Withdrawal Fees

Capital withdrawals incur direct fees from the broker. Wire transfers carry a charge of £10 for SEPA transfers or $49 for SWIFT routes. Crypto redemptions are subject to a flat $10 fee across Bitcoin, Ethereum, and Tether. Credit and debit card payouts carry a 3% processing deduction, while online wallets and payment gateways charge between 2% and 3%.

Inactivity Fees

Accounts left without trade execution or active market positions over prolonged periods are subject to periodic inactivity charges under the broker's dormancy policy.

Overnight Financing

Open positions rolled over past 22:00 UK time are subject to standard swap credits or debits. Triple rollover charges apply on Wednesday nights for currency pairs, metals, and bonds to account for the weekend, while indices, energy contracts, and crypto pairs charge triple swaps on Friday nights. Swap-free Islamic status is offered exclusively on Standard accounts for a maximum grace period of 30 days, after which regular financing rates apply.

Currency Conversion Charges

Transfers between sub-accounts denominated in different base currencies incur a 1% conversion fee. Inbound funding received in currencies outside the profile's base currency is converted by payment processors at margins typically ranging from 0.5% to 4%.

Standard Account

The Standard account represents the primary tier at 4XC, accessible with a $50 minimum deposit. It uses an all-inclusive spread model without added commissions on currencies, metals, indices, and oil, making transaction costs easy to monitor. It is also the only account type eligible for the 30-day swap-free Islamic option. The profile supports both MetaTrader 4 and MetaTrader 5 and allows leverage up to 1:500.

Pro Account

Requiring an opening balance of $100, the Pro account is designed for active volume traders seeking tighter pricing. Spreads start at 0 pips, offset by a fixed commission of $5 per round lot on forex and metals. Traders receive leverage up to 1:500 on MT4 and MT5, but the account does not offer swap-free access.

VIP Account

The VIP tier targets high-balance traders, requiring an initial deposit of $10,000. It combines raw floating spreads starting from 0 pips with reduced commission rates. VIP clients also receive dedicated account support and fee waivers on qualifying deposits and withdrawals. Swap-free trading is not supported on this tier.

Investment and Forward Contracts Accounts

Beyond personal trading profiles, 4XC facilitates pooled capital management via PAMM accounts and offers forward contract accounts. These setups allow asset managers to run pooled strategies and structure tailored forward delivery contracts within the broker's STP execution model.

Account Comparison

MetaTrader 4

Desktop users can trade through MetaTrader 4, which provides standard charting tools, straightforward order routing, and support for automated indicators. 4XC integrates MT4 with Straight-Through Processing execution, sending orders directly to external counterparties without dealing desk intervention.

MetaTrader 5

Clients requiring additional chart timeframes, embedded Depth of Market (DoM) data, and more extensive backtesting tools can trade through MetaTrader 5. Average network latency on the broker's MT5 servers runs at roughly 60 milliseconds across currency pairs, commodities, and index derivatives.

Mobile Trading

Mobile access relies on official MetaTrader 4 and MetaTrader 5 applications for iOS and Android. Both apps allow traders to monitor positions, review technical charts, and execute orders on mobile devices. 4XC does not maintain a proprietary mobile trading app.

Execution and Trading Tools

Client orders route through Non-Dealing Desk (NDD) and Straight-Through Processing (STP) pipelines. During high volatility, slippage can occur if market liquidity moves fills away from requested order prices. For continuous automated execution, 4XC coordinates with HokoCloud to provide VPS hosting, which is available free of charge to traders who meet specified balance or volume criteria.

Algorithmic and Copy Trading

Algorithmic trading is supported through MQL4 and MQL5, allowing clients to backtest and deploy custom Expert Advisors. The broker does not offer direct FIX or REST API connections for custom external applications. Copy trading is accessible via integrated platform widgets, MetaTrader Signals, PAMM structures, and native integration with HokoCloud's social trading tools.

4XC provides leveraged trading on Contracts for Difference (CFDs) across five asset classes, allowing market participation without physical asset delivery. The schedule below details coverage, maximum leverage, and base trade sizes.

Alongside standard CFDs, 4XC offers financial options and forward contracts, giving eligible retail and institutional clients additional derivative structures for hedging and directional strategies.

Maximum Leverage

Leverage reaches 1:500 on Standard, Pro, and VIP accounts for forex pairs and spot metals. While higher leverage lowers initial margin requirements, it amplifies exposure to fast losses. More volatile assets, including index CFDs and cryptocurrencies, are subject to lower leverage ceilings.

Margin Calls and Stop-Out Levels

Account risk is governed by fixed margin thresholds. When account equity falls to 100% of required margin, the broker issues a margin call notice. If equity drops to the 50% stop-out level, the platform automatically liquidates open positions, starting with the largest loss, to prevent further account deficit.

Risk Management Tools

MetaTrader clients can manage open positions using standard stop-loss, take-profit, and trailing stop orders. To prevent accounts from falling into debt during extreme volatility, 4XC applies retail negative balance protection on forex and metals trading, capping potential losses at deposited funds. Hedging is permitted, allowing clients to maintain simultaneous long and short positions on the same instrument.

How to Fund Your Account

Account funding is available via bank wire, credit and debit cards (Visa, Mastercard), mobile payment services (Apple Pay, Google Pay), digital wallets (Neteller, Skrill, Advcash, Sticpay, PayRetailers), and major cryptocurrencies (Bitcoin, Ethereum, Tether). Base currency options include USD, EUR, and GBP, with BRL supported specifically on MetaTrader 5 profiles. Account minimums are set at $50 for Standard, $100 for Pro, and $10,000 for VIP accounts. 4XC charges no internal deposit fees. Card, e-wallet, and crypto transfers reflect immediately, while wire payments take 1 to 3 business days to reach the account.

How Withdrawals Work

Withdrawals require completed KYC verification, consisting of a valid government ID (with at least 3 months validity remaining) and a proof of residence document dated within the past 6 months. Payouts must return to the original funding source whenever possible. 4XC applies direct withdrawal fees: wire transfers cost £10 via SEPA or $49 via SWIFT, crypto withdrawals incur a flat $10 fee, credit/debit card payouts carry a 3% fee, and digital wallets charge between 2% and 3%.

Settlement timelines vary by payment method. Crypto and e-wallet transfers are generally processed within 24 hours. Bank transfers take 1 to 3 business days, whereas card withdrawals require an extended window of 7 to 10 business days.

Ways to Contact 4XC

• Live Chat: Available on the broker's website 24/5
• Email Support: [email protected]
• Telephone: +44 8000 488 033
• Dedicated Account Manager: Provided for qualifying tiers and VIP accounts
• Desk Hours: Monday to Friday 00:00-24:00 (GMT+2); Saturday 00:00-07:00 (GMT+2); Sunday Closed
• Supported Languages: English, Spanish, Arabic, French, Portuguese, Russian, Romanian, Greek, Korean, Serbian, Latvian, Somali

What Customers Say About 4XC Support

Customer feedback regarding customer support is largely positive across independent review submissions. Reviewers frequently praise the responsiveness and practical assistance provided by customer service agents and dedicated account managers, citing rapid resolution times for login difficulties, platform questions, and general account onboarding inquiries.

Conversely, a minority of negative reviews highlight friction during compliance workflows and fund withdrawals. Some clients report delays and frustration when undergoing enhanced identity verification requests, such as submitting supplemental selfie or video documentation, as well as dissatisfaction with the extended processing window required for credit card payouts.

"To be honest it’s one of the top broker ..they respond very quickly and the withdrawal it’s so quick and easy to acces on website!! I recommend it"

"I had a very good experience with 4XC. The platform is easy to use, deposits and withdrawals are straightforward, and the support team is responsive and professional."

"Had some issues with logging in to the account, instead of typically days of waiting with some other brokers, it took Andrei 10 minutes from start to finish to guide me through each step to be able to get back in. Wonderful work!"

Market Research

Information on this area is not publicly disclosed. 4XC does not maintain a dedicated research portal, morning market briefing service, or in-house technical analysis desk, leaving clients to rely on the standard analytical tools included in MetaTrader 4 and MetaTrader 5.

Trading Education

Educational training is provided primarily through third-party academies and structured resources. Clients can access introductory modules and dedicated courses via Alpha FX Academy, T4F Academy, and UK Trading Academy. These materials cover core market concepts, trade mechanics, and introductory technical strategies for developing traders.

Beginners

A low $50 minimum deposit on the Standard account and risk-free demo accounts create an accessible entry point for new traders. External courses through partnered academies provide structured market guidance, although the lack of a custom beginner-oriented web platform means newcomers must learn the MetaTrader interface from day one.

Active Traders

High-turnover traders will find the Pro account tailored to volume trading, featuring raw spreads from 0 pips paired with a predictable $5 per round lot commission on currencies and metals. Traders maintaining balances of at least $10,000 can upgrade to the VIP tier to access lower commission schedules.

Scalpers

An STP/NDD execution model and an explicit policy allowing unrestricted scalping make 4XC practical for short-horizon strategies. Latency on MT5 averages roughly 60 milliseconds, complemented by one-click trading, Depth of Market visibility, and raw-spread pricing.

Algorithmic Traders

Automated setups operate smoothly using MT4 and MT5 Expert Advisors. Unrestricted rules allow continuous EA execution, news trading, and hedging, with sponsored HokoCloud VPS hosting available to prevent local system downtime. However, traders requiring standalone FIX or REST API connections will need to look elsewhere.

Experienced Traders

Clients seeking leverage up to 1:500 alongside access to options, forward contracts, and PAMM accounts will find useful operational flexibility. Even so, the lack of Tier-1 regulatory licensing and statutory compensation funds remains an important trade-off for traders sensitive to counterparty risk.

We assess brokers using our methodology, which combines our own data, broker documentation, regulatory records, pricing information, platform analysis, account information, and third-party customer feedback where specifically required. We evaluate areas including safety, trading costs, platforms, market range, accounts, leverage, deposits and withdrawals, customer service, research, education, and suitability for different trading styles. Where possible, important factual claims are checked against primary sources and dated because broker conditions can change.

4XC centers its offering on programmatic and active execution via MetaTrader 4 and MetaTrader 5, supported by an STP and NDD order model. The broker places few restrictions on trading methods, permitting scalping, news trading, hedging, and continuous Expert Advisor execution alongside leverage up to 1:500. Entry thresholds remain low, starting at $50 on Standard accounts and $100 for raw spreads on the Pro tier, making competitive execution accessible to modest account balances.

At the same time, the offshore structure warrants careful consideration. Operating under FSC Tier-3 supervision in the Cook Islands means retail accounts lack a statutory investor compensation net. Non-trading costs are also a persistent factor, with mandatory fees on most withdrawal methods—including a 3% charge and a 7 to 10 business day turnaround on card payouts. Traders who prioritize raw-spread execution, automated tools, and flexible trading strategies will find a functional environment here, provided they accept the counterparty realities of offshore regulation.