伊斯兰（免隔夜利息）外汇账户：经过审计的真相
许多『免隔夜利息』账户实际是用管理费替代掉期利息、缩短免费宽限期，或将海湾地区交易者最常隔夜持有的品种排除在外。我们用唯一有效的方式来审计：开设伊斯兰账户，真实持仓过夜并超过宽限期，逐笔记录账户上实际产生的每一项费用。
目前尚未发布任何经审计的费用结果。在某家经纪商的首轮审计完成之前，本表展示的是其公布的免隔夜利息条款及来源——标注为官方公布条款，而非我们的审计结果。
| 经纪商 | 可用范围 | 经纪商官方宣称 | 我们实测 | |
|---|---|---|---|---|
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. [数据来源] | 测试进行中 | 立即开户 |
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. [数据来源] | 测试进行中 | 立即开户 |
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. [数据来源] | 测试进行中 | 立即开户 |
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. [数据来源] | 测试进行中 | 立即开户 |
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. [数据来源] | 测试进行中 | 立即开户 |
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. [数据来源] | 测试进行中 | 立即开户 |
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. [数据来源] | 测试进行中 | 立即开户 |
CySECFSCDFSA | 是 | 未公布 | 测试进行中 | 立即开户 |
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. [数据来源] | 测试进行中 | 立即开户 |
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. [数据来源] | 测试进行中 | 立即开户 |
引用此数据: 本表为 MyBestBrokers.com 的第一手数据。引用时请附上本页链接——页面 URL 及锚点长期稳定。
https://www.mybestbrokers.com/zh/islamic-forex-brokers什么是伊斯兰（免隔夜利息）账户？
一种不收取隔夜掉期利息的账户，面向因宗教原因回避利息（Riba）的交易者。经纪商通常以三种方式替代掉期：宽限期内完全免费、按手数按晚收取固定管理费，或扩大点差——各家账户的差异恰恰藏在这些细节里。
免隔夜利息真的等于免费吗？
往往不是。多数经纪商在宽限期（通常 3–14 晚）之后开始收取管理费，有些还将冷门货币对、黄金或指数完全排除在免隔夜利息条款之外。我们的审计按经纪商逐一记录实际收取的费用，并与其官方宣称对照。
你们如何审计伊斯兰账户？
我们在每家经纪商开设免隔夜利息账户，在海湾地区交易者实际常交易的品种（主要货币对、黄金）上真实持仓过夜并超过公布的宽限期，记录经纪商收取的每一笔费用。审计每月重复进行。