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Exness Review 2026

Cyprus

Established: 2008
Score: 3
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Regulated

Leverage: Up to 1:2000

Deposit: From 1 USD

Spread: Medium

Regulation: CySEC (Cyprus Securities and Exchange Commission), FCA (Financial Conduct Authority, UK), FSA (Seychelles), FSCA (South Africa)

Leverage: Up to 1:2000

Deposit: From 1 USD

Spread: Medium

Regulation: CySEC (Cyprus Securities and Exchange Commission), FCA (Financial Conduct Authority, UK), FSA (Seychelles), FSCA (South Africa)

Broker type: ECN, STP

Offices: Cyprus, United Kingdom, Seychelles, South Africa

Platforms: MetaTrader 4 (MT4), MetaTrader 5 (MT5), Exness proprietary platforms

Instruments: 100+ Forex pairs, Commodities, Indices, Cryptocurrencies, Stocks

Payment Methods:

General Overview

Exness, founded in 2008, is a global online broker known for delivering a wide range of trading services across multiple financial markets. The company has expanded its product lineup and international client base by continually adapting to changes in online trading and emphasizing technological improvements and practical, user-focused solutions.

While forex remains a core offering because of its liquidity and around-the-clock trading, Exness also provides access to indices, metals, energy products, cryptocurrencies, and CFDs on individual stocks—catering to trading styles from short-term scalping to longer-term investing.

A standout feature of Exness is its focus on transparency and reliability. The broker supplies real-time pricing, order and historical data so traders can make informed decisions, and invests in high-quality servers and liquidity connections to minimise slippage and support fast order execution during volatile periods.

Exness supports a global customer base with multilingual customer service and a variety of localized payment options, including region-specific bank transfers and popular e-wallets. This regional flexibility helps the broker serve clients across Europe, Asia, Africa, and Latin America.

The broker also offers extensive educational material—tutorials, market commentary, and timely financial updates—aimed at helping traders at every level improve strategy and market understanding. Combined with a streamlined account setup and intuitive platforms, Exness seeks to make trading accessible for newcomers while giving experienced traders robust tools.

Praised in reviews for competitive pricing, dependable execution, and flexible leverage choices, Exness has built a strong reputation in trading communities. Its resilient infrastructure and ongoing platform enhancements position the firm to continue serving a wide range of traders as markets and regulations evolve.

Pros

  • Regulated by multiple financial authorities
  • Low spreads and competitive trading fees
  • Wide range of tradable instruments
  • Flexible leverage options up to 1:2000
  • No deposit or withdrawal fees

Cons

  • Inactivity fee for dormant accounts
  • Limited account types in certain regions

Trust and Safety

Regulations: CySEC (Cyprus Securities and Exchange Commission), FCA (Financial Conduct Authority, UK), FSA (Seychelles), FSCA (South Africa)

Exness works to stay trustworthy by following strict rules and being clear with clients. Its systems are built to handle heavy trading without slowing down, and important data is protected with strong encryption. Exness also uses strict ID checks in line with AML rules to keep trading fair. Together, these steps show its effort to protect traders and act responsibly in a fast-changing market.

Is Exness Regulated?

Regulation is a top concern for traders, and Exness has licenses from several respected authorities. These approvals show it follows strong financial practices, keeps client money separate, and offers fair trading terms.

In the European Economic Area, Exness (Cy) Ltd is licensed by CySEC (license 178/12). CySEC enforces audits and investor protections, and many CySEC brokers join the Investor Compensation Fund (ICF) for extra coverage.

In the UK, Exness (UK) Ltd is authorized by the FCA (ref 730729), which requires high standards for transparency, fair dealing, and risk control.

Elsewhere, Exness B.V. is licensed by the Central Bank of Curaçao and Sint Maarten (CBCS, 0003LSI), and Nymstar Limited is licensed by the Seychelles FSA (SD025). While often called “offshore,” these regulators still require reporting, oversight, and AML/KYC rules.

In South Africa, Vlerizo (Pty) Ltd represents Exness under the FSCA (FSP 51024). Altogether, these licenses show Exness can operate in different regions while meeting local rules to help protect clients.

Holding multiple licenses lets Exness tailor services to local markets while keeping regulatory safeguards. Regulation doesn’t remove trading risk, but recognition by well-known authorities offers extra reassurance.

Is Exness Safe?

Safety means keeping client funds separate, protecting data, and running stable systems. Exness does this with best practices aimed at a secure trading experience.

Client deposits are kept in separate accounts at reputable banks, so they’re not mixed with company funds. This setup helps shield client money if the firm faces problems.

Exness uses encryption (like SSL) to protect sensitive information—personal details and payment data—on its platforms and website.

It strictly applies AML and KYC checks, asking traders to verify identity and address before completing withdrawals (and sometimes for larger deposits). These steps help prevent misuse and keep clear records.

Retail traders also get negative balance protection, so losses won’t exceed the amount deposited. If extreme moves push an account below zero, Exness resets it to zero.

On the tech side, Exness has invested in robust systems to process high volumes and avoid downtime or delays during busy market times. It also shares execution stats to stay transparent about performance.

While markets always carry risk, Exness’s mix of segregated funds, encryption, strong KYC, and negative balance protection helps build trust and provides a safer trading environment.

Trading Platforms

MetaTrader 4 (MT4) | MetaTrader 5 (MT5) | Exness proprietary platforms

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To address the diversity of trading methods, Exness provides reliable platforms, notably MetaTrader 4 (MT4) and MetaTrader 5 (MT5). Available in desktop, mobile, and web-based forms, these solutions offer robust charting suites, algorithmic trading capabilities, and dependable execution. Traders commonly value the adaptability of MT4 or MT5, whether they focus on manual technical analysis or rely on fully automated Expert Advisors (EAs).

MetaTrader 4 (MT4)

MT4 remains a standard among forex brokers, characterized by its accessibility and time-tested reliability. It includes a full spectrum of technical indicators, chart variations, and the ability to code or install EAs for automated trading methods.

Given its intuitive interface, it’s a strong choice for traders of all backgrounds. MT4 is deployable on Windows, macOS, and portable devices running iOS or Android, plus a web-based edition for ultimate convenience.

MetaTrader 5 (MT5)

As the more advanced successor to MT4, MT5 expands the offering with added timeframes, extra analytical tools, and an integrated economic calendar. Traders who want to diversify into multiple asset classes may find MT5 more aligned with their needs, thanks to improved order types and advanced programming capabilities in MQL5.

Although some individuals prefer MT4’s familiarity, MT5’s additional features and broader reach may be appealing for systematic traders seeking an all-in-one solution.

WebTrader

Exness’s WebTrader merges the fundamental traits of MT4 and MT5 into a browser-based app, ideal for those hesitant about installations or seeking quick on-the-go access. Users can open, modify, and close positions, view real-time charts, and manage accounts from any internet-enabled device.

While certain advanced features might be more convenient on the dedicated MT4 or MT5 programs, WebTrader provides essential trading tools for immediate decisions anywhere.

Mobile Apps

MT4 and MT5 mobile apps supply functionality for traders who need to stay connected. Live pricing, interactive charts, technical indicators, and order management are all accessible within a compact interface. Notifications on price levels or triggered stop-losses let traders respond right away to changing conditions.

Though smaller screens can limit chart detail, the mobility and timely alerts can be extremely beneficial for those who need a portable approach.

Tradable Instruments

Instruments: 100+ Forex pairs, Commodities, Indices, Cryptocurrencies, Stocks

Exness caters to a wide demographic of traders by offering an extensive catalog of instruments. Besides major, minor, and exotic Forex pairs, investors can engage with precious metals, energies, cryptocurrencies, stock CFDs, and index CFDs that track foremost markets. This diverse spectrum encourages portfolio flexibility and cross-market hedging tactics, letting clients adapt to emerging trends.

Forex

Dominating the global trading scene, the Forex market sees daily volumes in the trillions. Exness capitalizes on this liquidity by providing dozens of currency pairs in the major, minor, and exotic brackets. Heavily traded major pairs like EUR/USD feature narrow spreads due to constant trading interest, whereas exotic pairs can exhibit larger swings and spreads but may present distinctive opportunities.

With 24/5 availability, Forex remains a core pillar for many Exness clients, offering constant price movements and quick execution for intraday strategies.

Cryptocurrencies

Recognizing the interest in digital tokens, Exness accommodates popular cryptocurrencies such as Bitcoin, Ethereum, Ripple, and Litecoin. Traders can use CFDs to go long or short, profiting from both market surges and declines, without holding actual coins.

Volatility in crypto markets can be substantial, rewarding nimble traders but requiring disciplined risk controls. Exness’s advanced platforms and charting tools help manage the uncertainties involved in these assets.

Metals

Gold and silver are favored as safe-haven instruments, often experiencing upswings in times of economic adversity. Exness’s metals CFDs let traders capitalize on changes in supply-demand dynamics and global risk outlooks. Because these markets can respond quickly to geopolitical tensions or central bank statements, consistent monitoring is vital.

With flexible trade sizes, participants can fine-tune their exposure, adapting to either conservative or adventurous risk profiles.

Energies

Crude oil (WTI, Brent) and natural gas are staples in the global energy market, swayed by OPEC decisions, production levels, and broader macroeconomic influences. Sudden price jumps can present opportunities for both short-term speculation and more strategic, longer-term positions.

Risk management measures—like carefully set stop-loss levels—are especially critical for energy trades, given how quickly supply or demand news can alter pricing.

Indices

Index CFDs allow traders to tap into the performance of entire stock markets rather than single corporations. Exness supports major international indices like the DAX, FTSE 100, S&P 500, NASDAQ 100, and Dow Jones. Since indices often reflect broader economic outlooks, they can experience spikes around interest rate decisions or breaking political news.

By employing leverage, traders can gain broad exposure to market sentiment but should be wary of amplified losses in downturns. Keeping abreast of major economic data releases remains pivotal for index-based strategies.

Stocks

For those with an interest in specific corporations, Exness extends CFDs in blue-chip stocks, such as Apple, Amazon, and Microsoft. Traders can speculate on earnings developments, product rollouts, and various internal company factors without owning any shares outright.

This approach is particularly attractive to traders who combine fundamental analysis—like evaluating profit margins or growth potential—with technical charting to identify trade entries and exits.

Account Types

Exness seeks to accommodate varying skills and trading goals by offering multiple account types. Standard and Pro provide commission-free structures (or reduced commissions) with average spreads, particularly beneficial for newcomers or those who prefer simplicity. Conversely, Raw Spread and Zero present extra-tight spreads—often as low as 0.0 pips—along with a modest commission, catering to scalpers or automated strategies that depend on minimal transaction costs. This variety of account setups ensures Exness remains inclusive of traders of all levels.

Standard Account

The Standard Account typically features a low entry deposit (around USD 10) and forgoes direct commissions. Spreads can start near 0.3 pips on major pairs, offering an easy-to-calculate cost structure.

Though raw spread accounts may have tighter spreads, the Standard Account’s convenience makes it a frequent starting point for novices learning the ropes or for casual traders not pursuing ultra-fine cost adjustments.

Raw Spread Account

Focused on minimal spreads, the Raw Spread Account can extend down to 0.0 pips under liquid conditions, coupled with a nominal commission of approximately USD 3.5 per lot, per side. This arrangement helps day traders and automated systems reduce the mark-up costs often embedded in wider spreads.

The deposit threshold might be steeper than in Standard, but for practitioners seeking peak precision, the benefit of near-zero spreads often justifies that difference.

Zero Account

Much like Raw Spread, the Zero Account targets 0.0 pip spreads on core assets the majority of the time, offset by a moderate, instrument-specific commission. This design strongly attracts high-volume strategies such as scalping or algorithmic trading, where tight spreads can have a major impact on profit margins.

The clear and predictable commission mechanism grants traders the clarity needed to analyze performance consistently.

Pro Account

Exness’s Pro Account, while occasionally necessitating a higher starting deposit, provides low spreads (often beginning at 0.1 pips) without commissions on numerous instruments. It’s well-suited to experienced traders who favor straightforward cost structures and excellent execution speeds.

Whether for intraday or more extended positions, the Pro Account caters to users looking for an environment that balances narrower spreads against simpler accounting of fees.

Exness Leverage

At Exness, leverage can range from conservative levels to extremely high ratios, such as 1:2000 or more, enabling traders to commit greater sums than their deposit alone. Regulatory rules in certain areas (e.g., the EEA) may limit leverage to around 1:30 to protect newcomers from excessive risk.

Elevating leverage magnifies both profits and dangers, so Exness implements margin calls and stop-outs to prevent clients from overextending themselves. The user interface also allows traders to fine-tune their leverage setting to align with individual risk appetites.

Deposits and Withdrawals

Exness offers many deposit and withdrawal options for its global clients, focusing on fast processing and flexibility. Popular methods include credit and debit cards, bank transfers, e-wallets like Skrill and Neteller, plus local banking solutions. The broker itself usually does not charge extra fees, but payment providers may add their own costs. E-wallet payments are often completed almost instantly, while bank transfers can take a few days. Exness also requires withdrawals to be made through the same method used for deposits to follow AML rules and keep transactions safe and traceable. Overall, this simple and user-friendly system supports Exness’s goal of providing a smooth and accessible service worldwide.

Exness Deposit Options and Fees

Clients can add funds to their accounts using several trusted methods that reflect the needs of different regions. These include credit and debit cards (Visa, Mastercard), bank transfers, e-wallets like Skrill and Neteller, and local online banking services.

Exness generally does not charge deposit fees. If any costs apply, they usually come from the payment provider. Deposits through e-wallets are often processed almost instantly, while bank transfers may take up to three business days. Exness recommends verifying your account before making a deposit to ensure that future withdrawals go smoothly.

The table below shows common deposit options, typical processing times, fees, and minimum deposit amounts:

Deposit Method Typical Processing Time Fees Charged by Exness Minimum Deposit
Credit/Debit Card Instant None USD 10
Bank Wire Transfer 1–3 Business Days None Varies by region (often USD 100+)
Neteller / Skrill Instant None USD 10
Online Banking (Local Gateways) Instant to 24 Hours None Varies by region
Cryptocurrency Transfers (Selected Regions) Depends on blockchain confirmations None (network fee applies) Varies by currency

By supporting crypto deposits in some regions, Exness shows a modern approach, but traders should still keep an eye on blockchain confirmation times and network fees.

Exness Withdrawals Options and Fees

Exness processes withdrawals using the same methods as deposits, which helps keep things simple and supports AML rules that require funds to be sent back through their original payment route.

The broker usually does not charge its own withdrawal fees, though banks and payment providers may add their own costs. E-wallet withdrawals often take only a few minutes, while bank transfers can take 1–5 business days, especially for international transfers. Withdrawal requests are made through the Personal Area, where traders choose the amount, confirm the request, and may need to enter verification codes.

Typical withdrawal times include:

  • Card Refunds: Often processed within a few hours, but in some cases may take 3–5 days depending on the bank.
  • E-Wallets (Neteller/Skrill): Usually almost instant, with only occasional delays.
  • Bank Wire Transfer: Around 1–5 business days, especially for international transfers.
  • Local Online Banking: Typically completed within 24 hours, depending on local banks.
  • Crypto Withdrawals: Timing depends on blockchain activity—sometimes fast, sometimes slower if the network is busy.

Fast and reliable withdrawals are crucial for trader confidence. By meeting common industry standards and returning funds promptly, Exness strengthens its reputation as a trustworthy broker.

Mastercard

Visa

Skrill

Fees and Commissions

Exness uses a pricing setup that works for many traders, from beginners to pros. The main cost is the spread, which can be as low as 0.0 pips on some pairs when liquidity is strong, but can widen at other times. Commission accounts—like Raw Spread or Zero—offer tighter spreads, which helps scalpers and algorithms that care about tiny price moves. Standard and Pro accounts usually have little to no commission, with costs included in the spread. If you keep trades open past the daily close, you’ll pay (or sometimes earn) an overnight swap, depending on interest rate differences. Beyond these, Exness rarely adds extra fees: there’s no inactivity fee, and it usually covers most deposit/withdrawal costs. This clear and competitive pricing aims to keep Exness affordable and reliable.

Exness Trading Fees

Because fees affect profits directly, Exness’s clear pricing is helpful. Actual costs depend on your account type, the market you trade, and current liquidity.

On the Standard account, spreads on major pairs can start around 0.3 pips, with no commission. Raw Spread and Zero accounts charge a small per-lot fee—often from USD 3.5 per side—but give much tighter spreads (sometimes as low as 0.0 pips during busy hours). Many day traders and advanced users prefer these fixed commissions plus tight spreads.

Swap rates apply if you hold a position overnight. They depend on the pair’s base currency and funding rates. If the currency you’re buying has a higher interest rate than the one you’re selling, you might even receive a positive swap. This matters for multi-day or carry trades, so keep an eye on it.

Here’s a simple overview of how fees can look by account (numbers are approximate):

Account Type Spread Range (EUR/USD) Commission (per lot, per side) Overnight Swap Trading Strategy Suitability
Standard From 0.3 pips None Varies by pair Beginners, casual, swing trading
Raw Spread From 0.0 pips From USD 3.5 Varies by pair Scalping, algorithmic trading
Zero From 0.0 pips From USD 3.5 Varies by pair High-frequency trading, EAs, hedging
Pro From 0.1 pips None Varies by pair Experienced, discretionary trading

In short, frequent traders may prefer paying a small commission for tighter spreads, while others may find a spread-only setup simpler.

Exness Spreads

The spread (the gap between bid and ask) is a key part of your costs. Exness uses floating spreads that change with liquidity and volatility. During peak market overlaps, spreads can get very tight; during quiet or uncertain times, they can widen.

On Raw Spread and Zero accounts, EUR/USD can drop to 0.0 pips at times, with typical levels often around 0.2–1.0 pips. Pairs with less liquidity will usually have wider spreads. Scalpers watch these changes closely, since small differences can add up across many trades.

Example typical spreads in calm markets:

  • EUR/USD: 0.0 – 1.0 pips
  • GBP/USD: 0.3 – 1.4 pips
  • USD/JPY: 0.2 – 1.2 pips
  • USD/CHF: 0.3 – 1.5 pips
  • AUD/USD: 0.2 – 1.2 pips

It’s smart to check live spreads in the Exness terminal, especially if you trade short-term moves.

Exness Non-Trading Fees

Non-trading fees are charges not tied to opening or closing trades (like account or inactivity fees). Exness keeps these minimal.

Usually there are no internal fees for deposits or withdrawals, but your bank or payment provider may charge conversion or transfer fees. Exness typically does not charge inactivity fees. Any currency exchange fees are on the trader if your funding currency doesn’t match your account currency.

Some local payments or internal transfers may have conditions, but overall Exness’s low non-trading fees help keep total costs down.

Bonuses and Promotions

The availability of incentives, like deposit bonuses, depends on the regulatory conditions in each region. In some jurisdictions, retail bonuses are not permitted due to stricter investor protection rules; in other areas, Exness may offer promotions such as trading bonuses, rebates, or loyalty programs.

It’s prudent for traders to verify terms and conditions attached to any incentive, which may feature minimal trade volumes or limited validity windows. Checking Exness’s main site or Personal Area helps ensure that users are aware of the latest promotions suited to their region.

Education

Believing in ongoing trader development, Exness provides learning tools covering major market principles, complex technical analysis, and breaking financial news. Newer traders can gain confidence through basic tutorials and structured guides, while advanced traders can refine methods through in-depth market analyses and specialized webinars.

Webinars often feature either Exness’s in-house professionals or recognized external analysts, covering a spectrum of subjects, from controlling emotional responses to coding EAs. This multi-tiered educational platform fosters continual advancement, aligned with Exness’s goal of nurturing informed and active traders.

Allowed Countries

Exness generally accepts clients from many parts of the world, thanks to its diverse regulatory network. Users across Europe, Asia, Africa, and Latin America can typically register without issue, while traders in certain heavily regulated zones (like the United States or Canada) generally cannot.

Local rules and licensing prerequisites fluctuate, so prospective customers should confirm availability with Exness directly. Overall, the firm’s expansive presence testifies to its goal of reaching a global audience with services adapted to local compliance and preferences.

Excluded Countries

United States

Canada

Iran

Sudan

Syrian Arab Republic

North Korea

Customer Support

Exness places heavy emphasis on delivering responsive and skilled customer support. Assistance is accessible 24/7 in numerous languages, with real-time chat often resolving pressing matters quickly. Email channels also exist for more detailed discussions or cases requiring supplementary documents. Some territories benefit from phone-based assistance in the user’s local tongue.

To bolster self-guided exploration, the Exness Help Center compiles a wide array of tutorials and FAQs, clarifying software installation, platform usage, and a range of trading queries. Critical advisories—like server maintenance or new feature notices—are shared via the Personal Area, keeping clients promptly informed.

In practice, live chat replies usually arrive in under a minute, representing the broker’s pledge to swift, thorough service. Whether addressing account validation or platform malfunctions, timely interactions help maintain a frictionless trading journey.

Broker Name: Exness

Broker Type: ECN, STP

Country: Cyprus

Operating since year: 2008

Regulations: CySEC (Cyprus Securities and Exchange Commission), FCA (Financial Conduct Authority, UK), FSA (Seychelles), FSCA (South Africa)

Phone: +357 25 030939 (Cyprus Office)

Email: [email protected]

Address: Exness (Cy) Ltd 1 Siafi Street, Porto Bello, Office 401, 3042 Limassol, Cyprus

Broker status: Active

FAQs

Yes, Exness is a regulated broker. The Exness Group holds licenses from several financial authorities, including CySEC (Cyprus), the FCA (UK), the FSA (Seychelles), the FSCA (South Africa), the CBCS (Curaçao & Sint Maarten), the FSC (British Virgin Islands & Mauritius), the CMA (Kenya) and the JSC (Jordan), among others. Which entity you fall under depends on your country of residence, and that determines the exact protections and leverage limits you get. 

Exness combines multi‑jurisdiction regulation with several client‑protection features, which makes it generally considered a safe broker for most retail traders. Client funds are held in segregated accounts, separate from the company’s own money, and the broker offers negative balance protection so you can’t lose more than your deposit on supported entities. It also uses advanced security such as encryption, PCI‑DSS compliant payment processing, and DDoS/Web Application Firewall protections to secure data and transactions. As with any leveraged CFD broker, trading risk remains high, so proper risk management is still essential. 

Exness supports the industry‑standard MetaTrader 4 (MT4) and MetaTrader 5 (MT5) platforms for desktop, web and mobile, as well as its own proprietary platforms. You can trade on:

  • MT4 & MT5 for full algorithmic trading, custom indicators and advanced charting.
  • Exness Terminal, a browser‑based web platform tightly integrated with MT5 accounts.
  • Exness Trade app for iOS and Android, which lets you trade MT5 accounts, manage your Personal Area, deposit/withdraw and chat with support on the go.

Exness supports a wide range of deposit and withdrawal methods, including bank cards (Visa/Mastercard), bank transfers, popular e‑wallets such as Skrill and Neteller, and multiple cryptocurrencies like BTC, USDT and USDC (availability depends on region).

Key points:

  • No internal deposit/withdrawal fees from Exness; most transactions are 0% commission on the broker’s side. 
  • Many methods are instant or near‑instant for both deposits and withdrawals, with most withdrawals processed automatically within minutes; slower methods like bank wires/cards can take a few business days due to normal banking times.
  • You must usually withdraw via the same method you used to deposit first, to comply with AML rules; any extra profit can then be withdrawn via other available methods in your own name.

    Third‑party payment providers may still apply their own network or conversion fees, so always check those on their side.

Exness offers several account types to match different trading styles and budgets:

  • Standard & Standard Cent – Commission‑free, spreads from roughly 0.2–0.3 pips, low minimum deposit (often around $10, region‑dependent).
  • Pro – Instant execution, no commission, tighter spreads from around 0.1 pips.
  • Raw Spread – Spreads from 0.0 pips with a fixed per‑lot commission, ideal for scalpers and high‑frequency traders.
  • Zero – 0.0‑pip spreads on top instruments for most of the trading day, with a variable commission per lot. 

Leverage is very flexible and can go up to 1:2000 or even 1:Unlimited for eligible clients under certain entities and equity levels, while EU/UK and some other heavily regulated regions are capped at much lower ratios (e.g., 1:30 for retail). Exness uses a dynamic model where maximum leverage gradually decreases as your account equity grows.

Exness is considered a low‑cost broker with very competitive spreads and transparent pricing.

  • Standard accounts have no commission, with typical minimum spreads starting around 0.2–0.3 pips on major pairs.
  • Raw Spread & Zero accounts can offer spreads from 0.0 pips, charging a small per‑lot commission instead. 
  • There are no internal deposit or withdrawal fees, though your bank, card provider or e‑wallet may charge their own network or conversion fees. 

Exness does not charge inactivity fees, so you can leave your account dormant without being penalized, which is attractive for part‑time or occasional traders. 

The main “ongoing” costs you need to consider are spreads, possible commissions on Raw/Zero accounts, and swap (overnight) financing fees on non‑swap‑free instruments.

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