伊斯蘭（免隔夜利息）外匯帳戶（2026年11月）：經過稽核的真相
許多「免隔夜利息」帳戶以管理費取代隔夜利息、縮短免費期，或將海灣地區交易者實際持倉過夜的商品排除在外。我們用唯一算數的方式稽核：實際開設伊斯蘭帳戶、持有真實部位過夜並超過免費期，逐筆記錄帳戶實際被收取的每一項費用。
目前尚未發布任何經稽核的費用結果。在某家經紀商的首輪稽核完成之前，本表顯示的是其公布的免隔夜利息條款及來源——標示為官方公布條款，而非本站的稽核結果。
| 經紀商 | 服務地區 | 經紀商官方宣稱 | 本站實測 | 開設帳戶 |
|---|---|---|---|---|
ASICFCACySECDFSA | 是 | Swap-free account for traders who cannot receive or pay swaps, offered to residents of 23 listed countries (Albania, Algeria, Bahrain, Bangladesh, Brunei, Burkina Faso, Egypt, Indonesia, Jordan, Kosovo, Kuwait, Kyrgyzstan, Malaysia, Maldives, Mauritania, Morocco, Niger, Oman, Pakistan, Qatar, Sierra Leone, Turkey and Uzbekistan); Saudi Arabia and the UAE are not listed. No swaps; once a trade has been held for 5 days an admin charge per standard lot is deducted, and the page's table lists USD 100 for FX and precious metals (effective 19 June 2023). Standard-account pricing (average EUR/USD 1.0-1.2 pips), $0 commission, AUD$200 (or equivalent) minimum opening balance; scalping, EAs and hedging allowed. Source: the swap-free page on Pepperstone's Africa site (Pepperstone Markets Kenya); the global English page now redirects to the general accounts page (checked 2026-10-06). [資料來源] | 測試進行中 | 開設帳戶 |
FCACySECCySECASIC | 是 | Swap-free accounts offered for clients who cannot use a regular account for religious reasons; available only to clients in UAE, Kuwait, Qatar, Bahrain, Oman, Jordan, Saudi Arabia, Egypt, Lebanon, Tunisia, Algeria and Morocco. Switching requires no open trades and contacting support@capital.com. Admin fees and grace period: not published. [資料來源] | 測試進行中 | 開設帳戶 |
ASICCySECCMAFSCA | 是 | Normal swap-free (Islamic) accounts are applied automatically for residents of 19 listed countries, including the UAE, Saudi Arabia, Kuwait, Qatar, Bahrain, Oman, Egypt and Jordan, on all account types on MT4 and MT5. XS states it does not widen spreads or add fees in place of swap. Published exceptions: crypto pairs have a 3-day grace period, after which standard swaps apply, and shares have no grace period (swaps from day one). A separate 'special' swap-free programme for selected non-Muslim countries has per-instrument grace periods (10 days on EURUSD and GBPUSD, 5 days on XAUUSD, 2 days on most other majors). [資料來源] | 測試進行中 | 開設帳戶 |
FCASCBFSCCMVM | 是 | Islamic account with "No interest on contracts lasting longer than 24 hours – zero rollover interest" and "No additional rollover commissions for contracts lasting longer than 24 hours"; page states "certain restrictions and limitation may apply" and directs prospects to middleeastdesk@activtrades.com before requesting the account. No admin fee, grace period, or excluded-instrument list is published on the page. [資料來源] | 測試進行中 | 開設帳戶 |
ASICFSA SeychellesFSCAFSC Mauritius | 是 | Swap-free available on both Raw and Standard accounts across MT4, MT5 and cTrader; min opening balance US$100. No swap/interest on overnight positions; instead an administration fee is charged on positions and deducted from the account balance. 'No administration fee for five days on selected instruments' (grace period). Conversion is by email request to the onboarding team. Exact administration-fee amounts are not published. [資料來源] | 測試進行中 | 開設帳戶 |
CFTC / NFAFCAASICMAS | 是 | OGM Terms of Business state financing costs do not apply to 'Swap Free' accounts ("Financing Costs do not apply to 'Swap Free' accounts, further information available on the Website"). Admin fee amount, grace period and instrument exclusions are NOT published on the public site. [資料來源] | 測試進行中 | 開設帳戶 |
FCACySECASICADGM FSRA | 是 | Zero interest (riba-free) on open positions; 7-day grace period, then daily admin fees on CFD positions held overnight (vary by instrument, applied after 22:00 GMT); admin fees do not apply to real stocks, ETFs or crypto; minimum deposit to open an Islamic account: $1,000. [資料來源] | 測試進行中 | 開設帳戶 |
Financial Conduct AuthorityCyprus Securities and Exchange CommissionSeychelles Financial Services AuthorityFinancial Sector Conduct Authority | 是 | Any Classic or Raw account convertible to swap-free; same spreads/execution. Swaps replaced by fixed USD-per-lot handling fees after instrument-specific charge-free days (example: EURCZK fee-free 3 nights, fees from 4th night; Classic swap-free: fees start day 41 for XAUUSD, XAUEUR, XAGUSD and JPY/CHF pairs). Crypto CFDs: 10% yearly charge on long positions after 5-day swap-free period. Fees fixed per lot, long or short; may change at Tickmill's discretion. [資料來源] | 測試進行中 | 開設帳戶 |
Financial Services AuthorityCentral Bank of Curaçao and Sint MaartenFinancial Services CommissionFinancial Services Commission | 是 | Homepage advertises "Swap-free trading — hold overnight positions for free on most popular assets, T&Cs apply." Admin-fee schedule, grace period and excluded-instrument list not published on pages fetched. [資料來源] | 尚未納入我們的測試計畫 | 開設帳戶 |
CySECFSCDFSA | 是 | 未公布 | 測試進行中 | 開設帳戶 |
引用此數據: 本表為 MyBestBrokers.com 的第一手數據。引用時請附上本頁連結——網址與錨點均維持穩定。
https://www.mybestbrokers.com/zh-tw/islamic-forex-brokers什麼是伊斯蘭（免隔夜利息）帳戶？
一種不收取隔夜利息（swap）的帳戶，供因宗教因素迴避利息（riba）的交易者使用。經紀商通常以下列方式取代隔夜利息：免費期內不收費、按每手每晚收取固定管理費，或擴大點差——各家帳戶最大的差異就藏在這些細節裡。
免隔夜利息真的完全免費嗎？
通常不是。多數經紀商在免費期（常見為 3–14 晚）過後開始收取管理費，有些甚至將冷門貨幣對、黃金或指數完全排除在免隔夜利息條款之外。本站稽核逐家記錄實際收取的費用，並與其官方宣稱比對。
你們如何稽核伊斯蘭帳戶？
我們在每家經紀商開設免隔夜利息帳戶版本，在海灣地區交易者實際常交易的商品（主要貨幣對、黃金）上持有真實隔夜部位並超過官方公布的免費期，記錄經紀商收取的每一筆費用明細。稽核每月重複執行。