4XC Review 2026

4XC is a forex and CFD broker offering access to currency pairs, commodities, metals, indices, oil, cryptocurrencies, and forward contracts through MetaTrader platforms. The broker uses an STP/NDD model, which means client orders are routed without a dealing desk. Its trading conditions are built around floating spreads, 0.01 minimum lots, and account-based pricing.

Company Background

4XC is the trading name of 4xCube Ltd. The company was founded in 2018 and is based at Parekura Place, Avarua, Rarotonga, Cook Islands. The company registration number is 12767/2018. The broker lists a Cook Islands FSC Money-Changing License number MC03/2018. 4XC is privately held and is not publicly traded.

Available Countries

4XC serves international clients, subject to local rules and onboarding checks. It does not offer services to residents of the Cook Islands, United States, Iraq, Iran, Myanmar, North Korea, Portugal, and Ukraine. Account access, bonus eligibility, and payment methods can change by country of residence.

Trading Fees

The Standard account requires a $50 minimum deposit and has spreads from 1.0 pips with no commission on most forex, metals, indices, and oil trades. The Pro account requires a $100 minimum deposit and has spreads from 0.0 pips with a $5 commission per round lot on FX and metals. The VIP account requires a $10,000 minimum deposit and has spreads from 0.0 pips with a $4 commission per round lot on FX and metals. The Pro and VIP accounts are more attractive for active forex traders because the tighter spreads can offset the commission cost. The Standard account is easier for beginners to understand, but it may not be the cheapest option for frequent trading if spreads are consistently wider.

Spreads and Commissions

4XC uses different pricing models across its account types. The Standard account has floating spreads from 1.0 pip and no trading commission, which makes the cost structure simple for casual traders. The Pro account offers spreads from 0.0 pips with a $5 commission per round lot, while the VIP account also starts from 0.0 pips and lowers the commission to $4 per round lot. The average spread is 0.82 pips on EUR/USD and 1.08 pips on GBP/USD, so active forex traders should compare the all-in cost of the spread plus commission before choosing between Standard, Pro, and VIP accounts.

Deposit and Withdrawal Fees

4XC does not charge a general deposit fee. Withdrawal fees apply and vary by method. For example, they include GBP 10 for SEPA bank wire, $49 for SWIFT bank wire, $10 for crypto withdrawals, 3% for credit and debit cards, and around 2% to 3% for some mobile wallets or payment processors. VIP account holders do not incur deposit or withdrawal charges.

Inactivity and Account Fees

4XC charges a $30 monthly inactivity fee after 1 month of inactivity. This is a high inactivity charge for a low-deposit broker, so casual traders should keep account activity and balance management in mind.

Bonus and Promotions

4XC offers a First Deposit Bonus for eligible clients who open a live account, complete KYC, create an MT4 or MT5 trading account, and make a first deposit of at least $100, €100, £100, or 500 BRL. The bonus is credited as trading credit, which means it can increase account equity and margin but is not part of the withdrawable account balance. If a client withdraws or transfers funds, the bonus can be cancelled. Traders should read the full bonus terms before accepting any promotion, as bonus conditions can affect withdrawals, eligibility, and account management.

Currency Conversion Fees

4XC charges a 1% currency conversion fee when funds are moved between trading accounts with different base currencies. Base account currencies are USD, EUR, GBP, and BRL, with BRL available on MT5 accounts.

Overnight and Swap Fees

4XC charges overnight swap fees on leveraged positions held past the daily rollover cut-off. Swaps vary by instrument and trade direction. Triple swaps apply on Wednesday for forex, metals, and bonds, while energies, indices, and crypto can carry weekend-related triple charges on Friday. Swap-free Islamic terms are available on Standard accounts, but the swap-free condition is limited to the first 30 days.

Standard Account

The Standard account is the entry account. It requires a $50 minimum deposit, offers spreads from 1.0 pips, uses floating spreads, and has no trade commission on most core CFD markets. It supports USD, EUR, GBP, and BRL base currencies, with BRL available on MT5. The maximum leverage is 1:500 for forex, metals, and commodities, and the minimum lot size is 0.01.

Pro Account

The Pro account requires a $100 minimum deposit. It offers spreads from 0.0 pips and charges $5 per round lot on FX and metals. This account is better suited to active traders who want tighter spreads and can manage commission-based pricing.

VIP Account

The VIP account requires a $10,000 minimum deposit. It offers spreads from 0.0 pips and charges $4 per round lot on FX and metals. VIP account holders also receive no deposit or withdrawal charges, which improves cost control for larger accounts.

Investment Account

The Investment account is linked to strategy-based investing. The deposit amount depends on the selected strategy. It is more suitable for clients who want to allocate capital to managed or copied strategies rather than place every trade manually.

Forward Contracts Account

Forward contracts are grouped as a separate account type on MT5. This area is aimed at traders who need forward contract exposure, including mini dollar and mini index instruments. Listed leverage is 1:100 for Mini Dollar and 1:200 for Mini Index.

Signup Process

The account process starts with online registration through the 4XC website. The client selects a live or demo account, completes personal details, chooses the account type, and submits profile information. After registration, the client dashboard is used for KYC, funding, platform login details, and account management.

Verification Requirements

4XC requires KYC verification before funding and live trading. Clients need to submit proof of identity, such as a passport, national ID card, or driving license. The identity document must show full name, date of birth, place of birth, and expiry date, and must remain valid for at least the next 3 months. Clients also need proof of address, such as a utility bill, bank statement, card statement, or rental agreement dated within the last 6 months.

Minimum Deposit

The minimum deposit is $50 on the Standard account. The Pro account minimum deposit is $100, and the VIP account minimum deposit is $10,000. Investment account funding depends on the selected strategy.

How Long Account Approval Takes

A complete application is often approved within one business day, while unclear documents, mismatched personal details, or extra compliance checks can extend the process to a few days. Traders should check their email after uploading documents, as 4XC sends the approval notice or any request for additional documents by email.

Forex Pairs

Forex is the core market at 4XC. Maximum forex leverage is 1:500 and minimum trade size is 0.01 lots.

Metals and Commodities

4XC offers metals and commodities, including gold. Forex, metals, and commodities can use leverage up to 1:500, depending on account settings and instrument rules.

Index CFDs and Oil

Index CFDs and oil are available with leverage up to 1:200. These markets are useful for traders who want macro exposure without using futures accounts.

Cryptocurrencies

4XC offers crypto CFD trading, with crypto leverage up to 1:20. Crypto CFDs are suitable for active speculation, but they do not provide ownership of coins or on-chain withdrawal rights.

Forward Contracts and Options

4XC offers forward contracts and options in its market coverage. Forward contracts are available through MT5, including Mini Dollar and Mini Index instruments. Traders should check the contract specification in the platform before opening positions because leverage, margin, and commission can differ from spot forex.

MetaTrader 4

MetaTrader 4 is the classic platform for forex trading. It offers market orders, pending orders, Stop Loss, Take Profit, and trailing stop tools. Pending orders include Buy Limit, Sell Limit, Buy Stop, and Sell Stop. MT4 also supports Expert Advisors, custom indicators, one-click trading, and chart templates.

MetaTrader 5

MetaTrader 5 adds broader asset support, enhanced technical analysis, and advanced order handling. MT5 supports market orders, limit orders, stop orders, Stop Loss, Take Profit, and stop-limit orders such as Buy Stop Limit and Sell Stop Limit. MT5 is the better fit for traders who need more instrument coverage and stronger order management.

Mobile Trading

4XC supports Android and iOS trading through the MT4 and MT5 mobile apps. The broker does not provide a separate proprietary mobile app, so the mobile experience depends on MetaTrader app functions, login stability, and the broker server connection.

Copy Trading, Social Trading, PAMM, and VPS

4XC supports copy trading and social trading through MT4 and MT5. Traders can follow signal providers, copy positions, or act as providers. The broker also supports HokoCloud integration and PAMM accounts. VPS hosting is available for automated strategies, with free VPS access depending on balance or trading activity criteria.

API and Algorithmic Trading

4XC supports algorithmic trading through MT4 and MT5 Expert Advisors. It does not offer a separate standalone REST API or FIX API for custom trading infrastructure. Automated traders can still build strategies in MQL4 or MQL5 and run them through MetaTrader.

Research and Charting Tools

Charting is strongest inside MT4 and MT5. Traders get technical indicators, multiple timeframes, drawing tools, templates, and EA support. 4XC also lists Acuity Signal Centre and Acuity Economic Calendar as market research tools. These tools are useful for short-term traders who follow macro events and signal-based setups.

Educational Resources

Educational resources include Learning Materials, Alpha FX Academy, T4F Academy, and UK Trading Academy. This gives beginners a structured starting point, although real progress still depends on risk control, position sizing, and practice on a demo account.

Because 4XC relies on MT4 and MT5 rather than a proprietary platform, the trading experience is familiar but not especially unique. This is good for traders who already use MetaTrader, Expert Advisors, or copy trading tools, but less appealing for users who want a modern broker-built platform with integrated research, portfolio tools, and simplified navigation.

Payment Methods

4XC supports the following deposit and withdrawal methods: Apple Pay, Bitcoin, Ethereum, Google Pay, Mastercard, Skrill, Tether, Visa, Wire Transfer, Advcash, Neteller, PayRetailers, and Sticpay. Method availability depends on country of residence.

Deposit Times

Cards, e-wallets, and crypto deposits are processed instantly. Bank transfers take 1 to 3 business days. Credit and debit card transactions are generally processed online, and card deposits are usually available within minutes after approval.

Withdrawal Times

4XC states that withdrawals are processed by its payment department within 24 hours, with final arrival depending on the payment provider. E-wallet and crypto withdrawals are processed at around 24 hours. Card withdrawals take 7 to 10 business days. Bank transfers take 1 to 3 business days.

Withdrawal Limits

Clients are limited to one withdrawal per day. Funds can only be withdrawn to personal accounts in the client's name. If a client used multiple funding methods, withdrawals must be distributed proportionally across those methods. A password change disables withdrawals for 24 hours as a security control.

Support Channels

4XC provides live chat, email, phone support, and account manager support. The support email is [email protected], and the phone number is +44 8000 488 033.

Response Times

The average response times are 2 minutes for live chat, 1 to 5 minutes for phone, 2 to 6 hours for email, and under 30 seconds for manager contact. Support hours are Monday to Friday from 00:00 to 24:00 GMT+2, Saturday from 00:00 to 07:00 GMT+2, and Sunday closed.

Support Quality

Support quality is one of 4XC's stronger areas. Positive user comments often mention fast help from live chat. The key practical point is that support is available 24/5, which matches normal forex market hours.

Languages Available

Support languages include English, Spanish, Arabic, French, Portuguese, Russian, Romanian, Greek, Korean, Serbian, Latvian, and Somali. The website supports English, Portuguese, and Spanish.

Positive User Reviews

Positive reviews often focus on customer support. Several traders mention quick replies from named account managers, especially when they need help with login access, withdrawals, or account questions. Some users also mention stable trading conditions, good leverage, and smooth withdrawals. One recent reviewer said the broker had been used for more than a year and that withdrawals had been completed many times without issues.

"they are true professionals in every sense."

This type of feedback is common in positive reviews. Traders who rate 4XC highly often describe the service as responsive and practical rather than only promotional. Support appears to be one of the broker's strongest public review points.

Negative User Reviews

Negative reviews are fewer than positive reviews, but they raise important practical concerns. The most serious complaints relate to withdrawal processing, account verification, and the handling of bonus terms. Some users say card withdrawals took longer than expected, while others say they were asked for extra identity checks before a withdrawal was completed. These complaints do not represent the majority of reviews, but they are important for traders who plan to deposit larger amounts.

"did anyone get their card withdrawal in 10days as promised?"

4XC replies to many negative reviews and usually gives a compliance or terms-based explanation. In several cases, the broker says the issue was linked to identity checks, document quality, or bonus conditions. This shows that traders should complete KYC carefully and read promotion terms before accepting any trading bonus.

Common 4XC Complaints

• The most common complaints about 4XC are not mainly about spreads or platform execution.
• Complaints are more often related to back-office processes.
• Repeated issues include delayed card withdrawals, extra verification requests, bonus removal, and support replies that some users describe as not solving problems quickly enough.

Trustpilot and App Store Ratings

On Trustpilot, 4XC has a 4.4 out of 5 rating from 578 reviews. The rating breakdown is strongly positive, with 80% 5-star reviews, 9% 4-star reviews, 1% 3-star reviews, less than 1% 2-star reviews, and 9% 1-star reviews. Trustpilot also shows that 4XC replies to 66% of negative reviews and normally responds within 24 hours.

For mobile trading, 4XC does not rely on a separate proprietary trading app in the same way as some app-first brokers. Its mobile trading is mainly available through MetaTrader 4 and MetaTrader 5, so App Store feedback is more closely linked to the MetaTrader apps than to a dedicated 4XC app. Traders who want to trade on mobile should test MT4 or MT5 on a demo account before depositing funds.

Verification Issues

Verification is one of the main areas where negative reviews appear. Some users complain that 4XC asks for extra documents, selfies, or clearer identity files before processing account access or withdrawals. This is common among regulated forex and CFD brokers, but it can still create delays when documents are unclear, screenshots are not accepted, or personal details do not match the account profile.

To reduce delays, traders should upload a clear passport or national ID, a recent proof of address, and any extra document requested by the compliance team. Names, address details, and payment method ownership should match the trading account. If these details do not match, approval and withdrawals can take longer.

Platform Problems

Platform complaints about 4XC are less common than support or withdrawal complaints. Most issues relate to login, password, or account access problems rather than major MT4 or MT5 stability concerns.

Overall, public feedback suggests that 4XC’s main friction points are withdrawals, verification, and bonus conditions. Traders should complete KYC early, avoid relying on bonuses, and test a small withdrawal before depositing larger amounts.

Note: These comments are based on public user reviews. They reflect individual experiences and have not been independently fact-checked by our editorial team.

Best Alternative for Beginners

XTB is a better alternative to 4XC for beginners who want a simpler platform experience, stronger education, and broader regulatory coverage. Its proprietary platform is easier to navigate than MetaTrader for many new traders.

4XC may still appeal to beginners who specifically want MT4 or MT5, a low $50 starting deposit, and access to higher leverage. However, new traders should be careful with 4XC because high leverage can increase losses quickly.

Best Alternative for Low Fees

IC Markets is a stronger alternative for active forex traders who prioritize raw spreads, deep MetaTrader support, and low all-in trading costs. It is better suited to traders who compare spread-plus-commission pricing closely.

4XC remains competitive for traders who want a low entry deposit and flexible account options, but active traders should compare live spreads, commissions, and withdrawal costs before choosing between the two brokers.

Best Alternative for Advanced Traders

Interactive Brokers is a better choice for advanced traders who need broad market access, listed securities, advanced order routing, stronger reporting, and institutional-grade tools. It is also more suitable for investors who want real stocks, ETFs, bonds, options, and futures.

4XC is more focused on forex and CFD trading through MetaTrader. It is not a direct replacement for a multi-asset investment platform.

Best Alternative for Forex and CFD Trading

Pepperstone is a strong alternative for traders who want forex and CFD trading with MT4, MT5, cTrader, TradingView support, and stronger regulatory coverage in several major jurisdictions.

4XC may appeal more to traders who want higher leverage, copy trading, PAMM access, and offshore account flexibility. Pepperstone is the stronger option for traders who want a more established regulatory profile.

4XC for Beginners

4XC is accessible for beginners because the entry account is affordable, a demo account is available, and the broker offers several learning resources. The main beginner risk is high leverage. A new trader using 1:500 leverage can lose money quickly if position size is not controlled.

4XC for Day Trading

4XC works better for day traders on the Pro or VIP account because spreads start from 0.0 pips and commissions are fixed. The broker allows scalping, hedging, news trading, Expert Advisors, and VPS use.

4XC for Forex Trading

Forex is the broker's strongest category. The maximum leverage is 1:500, minimum lot size is 0.01, and both MT4 and MT5 are available. Traders can use market orders, pending orders, Stop Loss, Take Profit, and automated Expert Advisors.

4XC for Long-Term Investors

4XC is not a strong match for long-term investors. The product range is mainly CFDs and margin trading, and overnight swaps can increase long-term holding costs. Investors who want real shares, ETFs, dividends, and custody protection should use a securities broker.

4XC for Crypto Trading

4XC supports crypto CFD trading with leverage up to 1:20. It is useful for traders who want to speculate on crypto price moves inside a forex-style platform. It is not suitable for users who want physical coin ownership, staking, or on-chain transfers.

Licensing and Regulation

4XC is registered in the Cook Islands under company registration number 12767/2018. The broker lists FSC regulation and Money-Changing License number MC03/2018. The Cook Islands FSC is the local authority for money-changing and remittance businesses. This is valid regulatory oversight, but it is not equivalent to the investor protection standards of major top-tier regulators.

Security Features

Security controls include KYC verification, personal account funding rules, card verification, withdrawal checks, and a 24-hour withdrawal lock after password changes. These controls reduce payment fraud and account misuse.

Investor Protection

4XC does not provide an investor compensation scheme. This is an important limitation. If broker failure or a legal dispute occurs, clients do not have the same compensation backstop available under some top-tier jurisdictions.

Negative Balance Protection

4XC provides negative balance protection for retail clients. The risk notice states that retail clients can lose their deposited funds but are not subject to payment obligations beyond the deposited funds. Professional clients can sustain losses in excess of deposits.

Segregated Client Funds

4XC states that client funds are segregated from company operational capital. Segregation is a core protection feature, but it does not replace an investor compensation scheme or top-tier regulatory supervision.

Overall, 4XC appears to be a legitimate registered broker, but it should be treated as a higher-risk option from a regulatory-protection perspective. The broker may suit experienced CFD traders who want MetaTrader access, high leverage, copy trading, and flexible account types. However, it is not the best choice for traders who prioritize top-tier regulation, investor compensation, or strong legal protection in the event of a dispute.

The main safety concern is not whether 4XC offers real trading platforms or account services. The main concern is the level of protection clients receive if something goes wrong. Traders should weigh the broker’s flexible trading conditions against the weaker regulatory framework before opening an account.

4XC is a practical offshore MetaTrader broker for forex, CFD, algorithmic, copy trading, and PAMM users. Its main strengths are low-cost MetaTrader access, flexible account types, and support for active trading strategies.

The broker is strongest for traders who already understand leveraged CFD trading and are comfortable with offshore regulation. The Pro and VIP accounts are more compelling for active traders, while the Standard account is better for smaller deposits and basic MetaTrader access.

Overall, 4XC may be worth considering for experienced forex and CFD traders who value flexible trading conditions and MetaTrader access.