伊斯蘭（免隔夜利息）外匯帳戶：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 | |
|---|---|---|---|---|
ASICFCACySECDFSA | 是 | Swap-free account offered for religious/personal reasons to residents of eligible countries (incl. Bahrain, Egypt, Jordan, Kuwait, Morocco, Malaysia, Oman, Pakistan, Qatar, Turkey, Indonesia, Algeria and others). No swaps; instead a per-standard-lot admin fee is deducted once a trade has been held for 5 days (i.e. 5-day grace period), per a published fee schedule. Standard-account pricing, $0 commission; page states AUD$200 (or equivalent) minimum deposit for this account. [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 |
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 |
CySECFSCDFSA | 是 | 未公布 | 測試進行中 | 開設帳戶 |
Financial Services AuthorityCyprus Securities and Exchange CommissionAustralian Securities and Investments Commission | 是 | Swap-free account available on Raw Spread and Standard accounts (MT4/MT5/cTrader). No swap/interest; instead a flat overnight holding fee per lot in USD by instrument (e.g. EURUSD $11/lot, GBPUSD $9/lot, BTCUSD $41.85/lot). Grace period of up to 5 days on most instruments before holding fees apply; exceptions: XNGUSD/XTIUSD/XBRUSD charged from Day 1 (no grace), USDJPY/GBPJPY charged from Day 3 (2-day grace). Triple-swap rollover nights consume 3 grace days (Wed for forex/metals/bonds/commodities, Fri for energies/indices). Broker reserves the right to request additional documentation before granting swap-free status. [資料來源] | 測試進行中 | 開設帳戶 |
ASICFCACIMAFSC | 是 | Dedicated 'Swap Free' account type: exempt from swap/interest charges on overnight positions. Instead, an administration fee is applied to overnight positions and deducted from the account balance. USD50 minimum deposit, spreads from 0.0, 0.01 lot minimum. Grace period, instrument exclusions and administration-fee amount: not published. [資料來源] | 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。