Exness Account Types 2026: How to Switch Accounts

You cannot change an existing Exness trading account from Standard to Pro, Raw Spread, Zero or another account type. Exness allows an eligible client to create an additional trading account with the preferred type inside the same Personal Area (PA). The original trading account keeps its type and server. This distinction matters if you want different spreads, a separate commission model or a different trading platform.

UK retail traders need a separate eligibility check before comparing the accounts. Exness states that its FCA-authorised UK firm does not serve retail clients, and its international entities exclude residents of the United Kingdom. The account choices discussed below are for people who can legally open an account with the relevant Exness entity. An FCA licence held by one group company does not extend UK retail protections to an overseas account.

Review update

What's New Since Our Last Update

The previous article correctly explained that trading account types are fixed, but one FAQ incorrectly implied that they could be changed in account settings. This revision resolves that contradiction and updates the decision details.

• Correct account-change instructions: Clarifies that the existing account type and server cannot be changed. The supported route is opening a separate account through the Personal Area, following Exness's October 2026 help guidance.
• Account and platform choices: Compares all five published account types, distinguishes their spread and commission models, and explains the selection of MetaTrader or Exness platforms when opening an account.
• Funding, jurisdiction and risk: Explains first-deposit requirements, account-to-account transfers, virtual-money demo limits and why UK residents cannot assume the brand's FCA authorisation gives them retail access.

Can you change an Exness trading account type?

No. Exness's trading-account creation guidance, updated 1 October 2026, expressly rules out changing either the account type or its assigned trading server after creation. There is no supported setting that converts an existing Standard account into Pro or a Raw Spread account into Zero.

The Personal Area is the overarching client area that can hold more than one trading account. Each account has its own number, settings and trading conditions. You can open another account under the same eligible Personal Area, but doing so does not rewrite the original account's history or change its terms. This is a new trading account, not a conversion.

The distinction is easy to miss because Exness also lets clients change certain other account settings, such as maximum leverage where eligible, a nickname or a trading password. Its Personal Area guide lists those actions separately from the fixed account type. Selecting a different account to trade from is not the same as changing that account's type.

How to open a different account type in the same Personal Area

For an existing customer in a permitted jurisdiction, Exness provides the following sequence for opening a new trading account. The interface labels can vary slightly between the web Personal Area and the Exness Trade app.

1. Sign in to your Personal Area. Go to Trading and Accounts (also described as the account list in the help centre).
2. Select Open Account or Open New Account. The system presents the account types available to your customer profile and region.
3. Choose Standard, Standard Cent, Pro, Raw Spread or Zero. Select the actual type you want. Opening a new account is the alternative to changing an existing one.
4. Choose real or demo where offered. A demo uses virtual funds. Exness does not offer a Standard Cent demo account.
5. Set the new account details. Select the account currency, maximum leverage and platform. Add a nickname if useful. Pro accounts also offer an execution-type selection where applicable, while MetaTrader accounts require a trading password.
6. Create the account and locate it in the correct tab. The new account appears in the Real or Demo area. If it does not show immediately, refresh the account list after processing.
7. Review the first-deposit requirement before funding. Account creation is free, but trading with real funds requires the applicable initial deposit, and the payment route has its own limits.

The Exness Trade app instructions provide an equivalent path through the Accounts dropdown and plus symbol. Exness also publishes limits on how many trading accounts a Personal Area can hold. These are caps, not permission to create unlimited accounts, and the Jordanian entity has additional limits.

What happens to the original account, balance and open trades?

Opening another trading account leaves the earlier account separate. Existing orders, trading history, positions and margin obligations should therefore be managed in the account where they were created. Do not assume a live trade or a position can be moved to a newly opened account merely by changing the selected account in the app.

Cash transfers are a different operation. Exness's Payments and wallets guidance provides a transfer feature for trading accounts within the same Personal Area, subject to available funds, account permissions and transaction rules. Check free margin on the sending account before transferring anything: withdrawing too much from an account with open leveraged positions can create a margin shortfall. New-account eligibility and deposit requirements still apply.

Exness account types compared

Exness currently lists five main retail-facing account types in its trading account types guide. The advertised spread figures below are starting rates, not average spreads or guaranteed execution prices. Availability and conditions depend on region, instrument, trading platform and contracting entity.

The figures come from Exness's Standard account overview and professional account schedule. The term professional account here is the broker's product grouping for Pro, Raw Spread and Zero. It does not, by itself, establish that the account holder has been classified as a regulatory professional client or receives a particular level of investor protection.

Standard: simpler spread-based pricing

Standard has no separate dealing commission and uses market execution. The published spread starts from 0.2 pips, but the actual quoted spread changes with instrument and trading conditions. Its strength is clarity: the spread is the principal entry cost, making it easier for a newer trader to estimate a quick round-trip trade without adding a per-lot fee.

The drawback is that a commission-free account does not guarantee the lowest total trading cost. A frequent trader comparing identical EUR/USD trade sizes should still calculate the whole spread cost against the commissions on Raw Spread or Zero. Standard also gives access to a broader range of instruments than Standard Cent, depending on the platform and entity.

Standard Cent: smaller contract exposure, fewer choices

Standard Cent uses cent-denominated account balances and cent lots. Exness explains that one cent lot represents 0.01 of a standard lot in its published contract-size example. A $5 deposit may display as 500 USC rather than $5, and instruments on MetaTrader carry a -c suffix. This is a genuinely useful difference for learning how position size affects risk with small real-money positions.

The limitations are significant. Standard Cent is restricted by region, its instrument list is narrower, and Exness does not provide a Standard Cent demo account. Its spread starts from 0.3 pips and it does not charge separate trading commission. Smaller minimum contract sizes lower exposure only if the trader also chooses appropriate leverage and position sizing.

Pro: tighter advertised spreads without a dealing commission

Pro combines an advertised spread from 0.1 pips with no separate commission. For eligible non-crypto instruments, Exness lists instant execution; cryptocurrency trades use market execution. Instant execution can lead to requotes when the requested price is unavailable. This difference matters to traders who value a particular price-request mechanism, but it is not proof that every Pro trade fills better than a market-execution trade.

The higher first-deposit requirement makes Pro less accessible to traders testing a strategy with a small balance. It also pays to compare the live spread rather than infer that a tighter advertised minimum always produces a cheaper fill. Pro may fit active traders who dislike per-lot commissions but want to evaluate an alternative execution model.

Raw Spread: spread plus commission

Raw Spread starts from 0.0 pips and uses market execution. The separate published commission is up to $3.50 per standard lot per side, which is up to $7 for an equivalent full round trip before adding the actual spread. The commission and spread together determine the dealing cost. The rate should not be described as a single flat fee for every instrument.

For a USD-denominated one-lot forex trade charged $3.50 each side, the two commissions total $7. This is a cost illustration based on the published schedule, not a measured fill or spread. The model gives frequent traders a way to separate commissions from spreads, but it is less intuitive than Standard for someone trading infrequently.

Zero: instrument-specific commissions and selective zero spreads

Zero is another market-execution account with an advertised spread from 0.0 pips. Exness publishes commissions starting at $0.05 per lot per side; the actual amount varies with the instrument. Its zero-spread claim focuses on selected heavily traded instruments and specified trading periods. That does not mean every symbol is continuously free of spread.

For an active trader who works mainly in the eligible zero-spread instruments, Zero deserves a direct comparison with Raw Spread. Check the instrument's two-sided commission and current spread at the intended trading time. A commission advertised as starting from $0.05 is not a universal charge, and spread conditions can change around volatility and rollovers.

Which Exness account type is cheaper?

There is no dependable answer from the minimum-spread table alone. Standard and Pro put the main dealing cost into the spread. Raw Spread and Zero add a separate commission and can show a much tighter spread on selected symbols. The correct comparison includes spread and commission for the same instrument, trade size and time, plus overnight swap if the position is held beyond the financing cut-off.

For example, a one-standard-lot EUR/USD trade with a $7 Raw Spread round-trip commission still incurs its actual spread cost. If a quote on a spread-only account is wider, the difference must be large enough to offset that commission. Exness's trading calculator can help estimate instrument-specific commission, swap and margin, but calculations do not predict realised slippage or a future spread.

For occasional positions, the simplicity of Standard or Pro can outweigh theoretical savings from a tighter spread. For frequent short-duration trades, compare Raw Spread against Zero using the exact instruments traded. Neither the account label nor the lowest advertised figure proves one account will always be cheapest.

Can you change trading platform when changing account type?

You select the trading platform when opening the new account, not by converting an old account. Exness supports MetaTrader 4 (MT4), MetaTrader 5 (MT5) and accounts built for its own platform, subject to regional and account-type availability. Exness's platform guidance makes clear that an MT4 account cannot be used on MT5 and vice versa; this compatibility cannot be changed after account creation.

Exness-platform accounts are designed for Exness Terminal and Exness Trade, rather than MT4 or MT5. Exness's platform-based account help adds that expert advisers (EAs) are not supported on those platform-based accounts. If automated trading is essential, verify that the new account is specifically an MT4 or MT5 account before funding it.

Standard Cent and some cryptocurrency symbols have additional platform-specific limits. A trader moving from Standard Cent to Standard should also check contract size and symbol suffixes: cent lots and standard lots do not represent the same exposure. Changing to a different platform or account type without revisiting trade size can create a much larger position than intended.

Minimum deposits, account currency and moving funds

Opening an extra trading account costs nothing, but the first real-money deposit can be different. Exness's minimum-funding guidance distinguishes Standard and Standard Cent, where the initial funding threshold follows the chosen payment method and region, from Pro, Raw Spread and Zero, which have higher initial deposit requirements. The latter start at at least $200 in Exness's help guidance, with different local thresholds possible. A single worldwide dollar minimum should not be presented as certain for every customer.

Check the amount displayed beside your chosen account in the Personal Area before adding funds. A later deposit may have a different minimum from the initial one, and payment methods themselves have separate thresholds. A bank transfer, card payment and electronic wallet may not all be available to the same entity or customer. Exness also requires payments to come from accounts in the client's own name, and its initial-deposit rules can require identity and payment-account verification.

An account's currency is selected when it is created and cannot be changed afterward. If you need a different base currency, create a new trading account and check transfer and conversion terms rather than assuming that changing the display currency re-denominates existing positions. If you transfer funds between your own accounts, confirm that the destination account is eligible to receive them and keep enough free margin in the source account.

Account access, country restrictions and regulatory protection

Exness operates through multiple companies with different regulators, permitted countries and product terms. Its regulation and regional restrictions disclosure identifies offshore entities as well as Exness (UK) Ltd, which is FCA-authorised but does not provide retail trading services. The Exness international entities also exclude UK residents. A UK retail reader should not assume that the account-creation steps are an offer to open a UK account.

The broker's residency and verification policy distinguishes nationality from permanent residence. A person does not become eligible simply by visiting another country or choosing a different country in the application. Verify the contracting legal entity, the country rules and any documentation requirements through the official onboarding route.

Maximum advertised leverage, including a possible 1:Unlimited setting for eligible clients, is not a universal entitlement. Available leverage can be capped by jurisdiction, margin conditions, equity, instrument or market events. High leverage increases the speed at which a relatively small adverse price move can exhaust free margin. The relevant legal agreement and product schedule are more important than a group-level marketing figure.

When is opening a second account worth it?

Choose Standard when a commission-free spread model and a broad instrument list matter more than finding the lowest published starting spread. Use Standard Cent, where available, to manage smaller contract sizes, while recognising its narrower markets and no-demo limitation. Compare Pro when a tighter spread-only structure and its specified execution choices suit the strategy. Compare Raw Spread and Zero for frequent trading only after checking the total per-instrument commission and the live spread.

If you are unhappy with the current account's fees or platform compatibility, a new account can solve that configuration problem without requiring a second Personal Area. It does not cure an eligibility restriction, improve the protections of the legal entity or make past trades transferable. Before moving funds, establish the size of any open exposure, check margin, and verify that the new account is configured for the actual trading workflow.

For related details, see the Exness minimum-deposit guide and Exness account-opening guide. Those guides do not override the official, entity-specific funding and registration terms.

Risk warning: Forex and CFD trading involves leveraged derivatives and a high risk of losing money. A new account type, an advertised zero spread or a smaller cent-lot size does not remove market risk, slippage, financing charges or the possibility of losing the funds in a trading account. Regulatory protection, leverage restrictions and compensation rights depend on the actual legal entity and jurisdiction. Do not use money needed for essential expenses or assume that the Exness group's FCA authorisation covers an offshore retail account.