4XC Review 2026

Our Overall Verdict

Founded in 2018 and headquartered in the Cook Islands, 4XC operates as an STP/NDD brokerage regulated by FSC. The broker provides access to MetaTrader 4 and MetaTrader 5 alongside social trading integrations via HokoCloud and PAMM accounts. With a modest starting deposit requirement of $50, maximum leverage reaching 1:500, and full support for algorithmic execution and scalping, 4XC caters well to technical retail traders. However, regulatory protection remains limited to an offshore tier-3 jurisdiction without an investor compensation fund, and withdrawal fees apply across several payment channels.

Who Should Use 4XC?

• Traders utilizing MetaTrader 4 or MetaTrader 5 seeking an STP/NDD execution environment that permits scalping, hedging, and news trading without restrictions.
• Algorithmic traders looking for automated strategy execution with Expert Advisors and access to free VPS hosting subject to balance or volume requirements.
• Copy trading followers interested in social trading solutions through HokoCloud, signal providers, and PAMM accounts.
• Retail clients wanting entry-level accessibility with an initial deposit minimum of $50 on a Standard account.

Who Should Avoid 4XC?

• Traders who prioritize supervision from tier-1 or tier-2 financial regulatory authorities.
• Investors seeking protection under a statutory investor compensation scheme.
• Traders who want zero-fee withdrawals across credit cards, bank wire transfers, and cryptocurrencies.
• Residents of restricted territories, including the United States, Cook Islands, Portugal, Ukraine, Iraq, Iran, Myanmar, and North Korea.

Regulation and Licenses

4XC is a privately held brokerage operating under 4XCube Ltd, established in 2018 and based in Parekura Place, Avarua, Rarotonga, Cook Islands. The company holds a regulatory license (number 12767/2018) issued by the Financial Supervisory Commission (FSC) of the Cook Islands. In regulatory classification, this constitutes tier-3 offshore oversight. The broker does not hold licenses with tier-1 or tier-2 financial supervisory authorities.

Client Protection

Client funds are segregated from company operational capital and held in dedicated accounts with recognized banking institutions. These segregated client accounts are subjected to regular external reviews and audits conducted by auditing firms such as McMillan Woods. Client funds are not deployed for operational expenditures, hedging, or settlement of corporate liabilities.

4XC provides negative balance protection for retail traders, designed to ensure that losses cannot exceed deposited funds. This protection applies primarily to trading in currency pairs and spot metals. Notably, there is no investor compensation scheme available under the Cook Islands FSC jurisdiction.

Regulatory History

Since its founding in 2018, 4XC has maintained its registration with the Cook Islands FSC. Information on disciplinary actions, regulatory penalties, or public enforcement rulings is not publicly disclosed.

Headquartered in the Cook Islands, 4XC provides multi-asset CFD and forex trading via an STP/NDD market model. Clients can choose from MetaTrader 4 and MetaTrader 5 to execute orders with average ping times reported around 60 milliseconds on MT5. The broker permits leverage up to 1:500, offers floating spreads, and features a minimum trading lot size of 0.01.

Account funding starts at $50, and 4XC supports base account currencies in USD, EUR, GBP, as well as BRL on MT5 profiles. Multiple funding mechanisms are supported, including Visa, Mastercard, wire transfer, cryptocurrency tokens (Bitcoin, Ethereum, Tether), and various digital wallets. Customer support operates 24/5 across multiple communication channels.

Spreads and Commissions

4XC operates floating spread pricing across all account tiers. Average spreads across primary assets include 0.82 pips on EUR/USD, 1.08 pips on GBP/USD, 0.25 points on Gold (XAU/USD), and 1.2 points on S&P 500 CFDs.

Fee structures vary depending on the chosen account type:

• Standard Account: Commission-free for forex pairs, metals, indices, and oil, with costs bundled into the spread. Cryptocurrency trades incur a flat commission.
• Pro Account: Tighter spreads starting from 0 pips paired with a flat trade commission, such as $5 per round turn lot on forex and metals.
• VIP Account: Raw spreads from 0 pips paired with reduced commission charges for high-balance clients.

Other Trading and Non-Trading Fees

4XC imposes several non-trading and transactional costs that traders should consider:

• Withdrawal Fees: Bank wire withdrawals cost £10 for SEPA transfers and $49 for SWIFT transfers. Card payouts incur a 3% charge. Cryptocurrency withdrawals carry a flat $10 fee, while e-wallets and payment processors charge between 2% and 3%. Deposits do not incur broker-side fees.
• Inactivity Fee: An inactivity fee of $30 per month is assessed if an account remains inactive after 1 month.
• Currency Conversion Fee: A 1% conversion fee applies when moving funds between internal accounts denominated in different currencies.
• Overnight Financing: Positions held past the daily cut-off (typically 22:00 UK time) incur swap charges. Triple swaps are charged on Wednesday nights for FX, metals, and bonds, and on Friday nights for energies, indices, and cryptocurrencies. Swap-free Islamic accounts are limited to Standard accounts and only remain fee-free for an initial 30-day period before converting to standard interest-bearing terms.

Trading Platforms

4XC does not offer a proprietary trading software solution. Instead, trading is delivered through two established third-party platforms:

• MetaTrader 4 (MT4): Accessible on desktop computers, iOS, and Android mobile devices, offering technical indicators, charting capabilities, and automated trading using Expert Advisors (EAs).
• MetaTrader 5 (MT5): Available across desktop and mobile devices, providing advanced order types, Depth of Market (DoM) visibility, enhanced analytical tools, and execution ping times averaging approximately 60 milliseconds.

Mobile access is facilitated through generic MetaTrader applications on Android and iOS platforms.

Execution and Trading Tools

4XC utilizes a Straight Through Processing (STP) and Non-Dealing Desk (NDD) execution architecture. Orders are passed directly to external liquidity providers without dealing desk intervention, mitigating direct conflicts of interest. The broker allows slippage to occur naturally in line with market execution, meaning fills may take place above or below requested levels during volatile periods. Margin call levels are established at 100%, and stop-out margin levels trigger at 50%.

Automated and Copy Trading

Algorithmic trading is supported through MQL scripting, allowing traders to run Expert Advisors on both MT4 and MT5. While 4XC does not offer dedicated REST or FIX API access, full EA functionality is supported on its STP/NDD network. Traders can access free Virtual Private Server (VPS) hosting powered by HokoCloud, provided they meet specific balance or volume thresholds.

Copy and social trading are natively integrated. Clients can subscribe to MetaTrader signal providers directly within the platform or access social trading services via HokoCloud integration. Additionally, 4XC accommodates traditional managed capital setups through PAMM (Percentage Allocation Money Management) structures.

Forex and CFDs

4XC provides CFD instruments across currency markets. Traders can access currency pairs with a minimum lot size of 0.01 and maximum leverage up to 1:500. Execution is supported by variable floating spreads with no restrictions on hedging or scalping.

Stocks, Indices, Commodities and Other Markets

The product suite at 4XC extends across multiple asset categories:

• Indices: Cash and forward index CFDs, including major benchmarks such as the S&P 500 CFD (featuring an average spread of 1.2).
• Commodities: Spot metals including Gold (XAU/USD, with an average spread of 0.25 pips), energy contracts such as crude oil, and commodity forwards.
• Cryptocurrencies: CFD trading on digital tokens such as Bitcoin and Ethereum.
• Options & Forward Contracts: Selected forward contracts and options products are offered as part of the broader CFD instrument line.

Available Account Types

4XC offers several distinct account structures to accommodate varying trader capital levels and operational requirements:

• Standard Account: Tailored for entry-level traders. It requires a $50 minimum deposit, features floating spreads starting from wider baselines, charges no commission on FX and metals, and supports Islamic swap-free status for the first 30 days.
• Pro Account: Designed for active market participants. It requires a $100 minimum deposit, provides raw floating spreads from 0 pips, and charges a flat trading commission of $5 per round lot on FX and metals. Islamic swap-free options are not available on this tier.
• VIP Account: Structured for high-capital traders. It requires a $10,000 minimum deposit, offering spreads from 0 pips, reduced commissions, and personalized account management benefits.
• Investment & Forward Contracts Accounts: Specialized profiles designed for PAMM managed money strategies and forward contract trading.
• Demo Account: Available for practice, platform testing, and automated EA strategy optimization under real-time market simulations.

Minimum Deposit

The entry requirement is $50 on the Standard Account. Moving to the Pro Account requires $100, while the VIP tier requires a minimum deposit of $10,000.

Account opening requires Know Your Customer (KYC) verification. Traders must upload a valid proof of identity (passport, driving license, or national identity card valid for at least 3 months) and a proof of residence (utility bill, bank statement, or tenancy agreement issued within the prior 6 months).

Leverage and Margin

The maximum leverage ratio available across 4XC accounts is 1:500 for forex trading. The margin call threshold is set at 100%, and automatic stop-out liquidation occurs when margin levels fall to 50%.

Deposit Options

4XC supports multiple deposit channels, including Visa, Mastercard, wire transfers, Apple Pay, Google Pay, Skrill, Neteller, Advcash, PayRetailers, Sticpay, and cryptocurrencies such as Bitcoin, Ethereum, and Tether (USDT). The broker does not charge deposit fees.

Card, digital wallet, and cryptocurrency deposits process immediately, whereas standard bank wire transfers typically require 1 to 3 business days to clear. Supported base account currencies are USD, EUR, GBP, as well as BRL on MT5.

Withdrawal Options

Withdrawals are processed back through corresponding payment channels, but specific withdrawal fees apply depending on the method:

• Bank Wire Transfer: £10 for SEPA transfers; $49 for SWIFT transfers. Processing takes 1 to 3 business days.
• Credit and Debit Cards: A 3% fee applies. Processing requires approximately 7 to 10 business days.
• Cryptocurrency: A flat $10 fee applies. Processing is typically completed within 24 hours.
• E-Wallets & Digital Processors: Fees range between 2% and 3% depending on the provider, with withdrawals normally completed within 24 hours.

Support Channels and Availability

Customer support at 4XC is active 24/5. Assistance is available Monday through Friday from 00:00 to 24:00 (GMT+2) and Saturday from 00:00 to 07:00 (GMT+2), remaining closed on Sunday. Traders can contact the support desk via:

• Live Chat: Directly accessible through the official website.
• Email: [email protected].
• Phone: +44 8000 488 033.
• Dedicated Account Managers: Available for qualifying and VIP account profiles.

Support is offered in multiple languages, including English, Spanish, Portuguese, French, Arabic, Russian, Romanian, Greek, Serbian, Korean, Latvian, and Somali.

Our Support Experience

Our editorial assessment awards 4XC a customer support score of 7.6 out of 10. Direct response times across live chat are prompt, and query handling regarding platform connectivity, basic account onboarding, and payment processing is handled systematically across supported business hours.

4XC provides training materials and structured learning support. Educational resources are distributed through general educational content on its website alongside dedicated partnerships with external training academies, specifically Alpha FX Academy, T4F Academy, and UK Trading Academy. These hubs cover technical analysis fundamentals, trading mechanics, and platform navigation.

In terms of trading tools, the broker facilitates automated strategy analysis via MT4/MT5 integrated charting, Depth of Market displays, social trading signals, and VPS infrastructure provided via HokoCloud. Our editorial evaluation assigns 4XC an account opening score of 8.1, a trading platforms and tools score of 8.2, and a market research score of 6.9 out of 10.

4XC for Beginners

With an accessible $50 minimum deposit on Standard accounts, demo account functionality, and access to educational academies such as Alpha FX Academy and T4F Academy, beginners have straightforward access to the markets. However, the absence of tier-1 regulatory oversight and the existence of a $30 monthly inactivity fee after 30 days require beginners to manage their balances attentively.

4XC for Day Traders and Scalpers

Day traders and scalpers benefit from an STP/NDD environment with no restrictions on high-frequency strategies, hedging, or news trading. Pro accounts provide raw floating spreads starting from 0 pips, while MT5 offers Depth of Market tools and average execution ping times around 60 milliseconds.

4XC for Algorithmic Traders

4XC accommodates algorithmic trading through full Expert Advisor compatibility on MT4 and MT5. While custom REST or FIX API endpoints are not provided, algorithmic traders can utilize third-party VPS hosting from HokoCloud, which is offered free of charge upon meeting specified balance or volume criteria.

4XC for Experienced Traders

Experienced and high-volume traders can utilize the VIP Account tier, requiring a $10,000 deposit, which offers spreads from 0 pips, lower trade commissions, and dedicated account management. Traders must, however, factor in offshore licensing under the Cook Islands FSC and withdrawal transaction fees.

Common Positive Feedback

Traders frequently highlight positive interactions with individual customer support representatives and account managers, noting quick assistance with onboarding, technical queries, and platform login issues. Users also commend the competitive spreads on major instruments like Gold, fast trade execution on MetaTrader platforms, reliable copy trading services through signal integrations, and quick e-wallet and cryptocurrency payout turnaround times.

Common Complaints

Critical feedback commonly centers on account bonus terms, with several users expressing frustration over profit cancellations or account restrictions linked to bonus policy violations upon requesting payouts. Other regular complaints involve extended card withdrawal processing times of 7 to 10 business days, mandatory document verification delays, and the various fees deducted from withdrawal totals.

Trustpilot and App Store Ratings