When you open a forex account, one of the first choices is the account type. The two most common options are a Standard account and a Raw Spread account. They reach the same markets — the difference is simply how you pay to trade.
Standard account: all-in pricing
A Standard account has no separate commission. The broker’s small markup is built into the spread, so your cost is bundled into one number. This makes it simple and predictable — ideal for beginners and anyone who values simplicity over squeezing out every fraction of a pip.
Raw Spread account: tight spreads + commission
A Raw Spread account gives you raw interbank spreads (from 0.0) plus a small, transparent commission per lot. For active traders the total cost is usually lower, because you are paying the true market spread plus a flat fee instead of a wider all-in spread.
Which is cheaper?
Trade occasionally / small sizes: a Standard account is simpler and the difference is tiny.
Trade often, scalp, or use larger sizes: a Raw Spread account usually works out cheaper overall.
At SCapitalFX, the Raw account charges a flat $6 per round-turn lot with raw spreads from 0.0, while the Standard account is commission-free. You can see both side by side on the Account Types page.
Both use the same platform, markets and fast execution.
Funding is the same — fast crypto deposits with no withdrawal fees.
Bottom line
If you are starting out, go Standard. If you trade actively and care about cost, go Raw. Either way you can open a free account and even practise on a demo first.
An Islamic forex account — also called a swap-free account — lets Muslim traders take part in the currency markets without paying or receiving overnight interest (swap), in line with Shariah principles. For many traders, it is the difference between being able to trade at all and not.
What makes an account “Islamic”?
In conventional trading, holding a position overnight triggers a swap — a small interest charge or credit known as riba, which is prohibited in Islamic finance. A swap-free account removes this entirely: you can hold trades overnight with zero swap and zero interest.
Who is it for?
Muslim traders who want to follow Shariah principles.
Swing and position traders who hold trades for days or weeks and want to avoid accumulating swap costs.
Anyone who simply prefers transparent, interest-free pricing.
How swap-free works at SCapitalFX
At SCapitalFX you can request swap-free status on a Standard or Raw Spread account. Once enabled, you keep all the benefits of a normal account — tight spreads, fast execution and the full range of instruments — but with no overnight interest. Learn more on our Islamic Account page, or compare every option on the Account Types page.
Things to check before you open one
Which instruments are covered — confirm swap-free applies to the markets you trade.
Any conditions — some brokers limit how long positions can stay open; SCapitalFX keeps it simple.
The rest of the offer — spreads, commission, deposit methods and support still matter.
Bottom line
An Islamic account makes the markets accessible to traders who need interest-free conditions — without compromising on pricing or platform quality. If that is you, you can open a free account and request swap-free status in minutes.
Making money is only half the journey — getting it out smoothly matters just as much. A good broker makes withdrawals simple and predictable. This guide walks through how to withdraw money from your SCapitalFX trading account, plus tips to avoid delays.
How withdrawals work
SCapitalFX uses the same fast crypto rails for withdrawals that it uses for deposits. You request a withdrawal, and your funds are sent to your own cryptocurrency wallet. It is quick, borderless, and does not require a bank account.
How to withdraw step by step
Make sure your account is verified. Withdrawals require completed identity verification (KYC) — this is a standard anti-fraud and compliance step.
Open the Withdraw screen in the app and choose cryptocurrency.
Select your coin and network (for example USDT on the correct network). The network must match your receiving wallet.
Paste your wallet address carefully — crypto transfers cannot be reversed.
Enter the amount and confirm. Your request is processed and the funds are sent to your wallet.
Important tips to avoid delays
Complete KYC early so there is nothing blocking your first withdrawal.
Double-check the network (e.g. TRC20 vs ERC20) — the #1 cause of stuck transfers.
Withdraw to a wallet you control, and confirm the address before sending.
Close or reduce open trades if needed — funds tied up as margin on open positions are not available to withdraw.
Withdraw to the same method you funded with, in line with standard anti-money-laundering policy.
How long do withdrawals take?
Once approved, crypto withdrawals are typically credited after the network confirms the transaction. Timing depends on the coin and network conditions, and on your verification being complete. Always check the current details in the app.
Risk warning: Trading involves risk and you can lose your invested capital. Only your available (non-margin) balance can be withdrawn.
Frequently asked questions
Do I need to verify my identity to withdraw?
Yes. Completing KYC is required before withdrawing, as a standard security and compliance measure.
Can I withdraw to a different method than I deposited with?
Generally you withdraw using the same method you funded with, in line with anti-money-laundering rules.
Why is my withdrawable balance lower than my equity?
Funds used as margin on open trades are locked until those trades are closed, so only your free balance is available.
How do I withdraw with crypto?
Choose crypto on the Withdraw screen, select the coin and matching network, paste your wallet address, and confirm. See our crypto funding guide for how the same rails work for deposits.
If you hold a trade open overnight, you may notice a small charge or credit on it called a swap. It catches a lot of beginners by surprise. This guide explains what swap (overnight) fees are, why they exist, when they apply, and how to keep them from eating your profits.
What is a swap fee?
A swap is an interest adjustment for holding a leveraged position overnight. Because every forex trade involves borrowing one currency to buy another, there is an interest difference between the two — and that difference is applied to your position each night it stays open.
Why do swaps exist?
Each currency has its own interest rate set by its central bank. When you hold a pair, you are effectively earning the rate on the currency you bought and paying the rate on the one you sold. The net of those two is your swap:
Negative swap: you pay (most common).
Positive swap: you receive (when the bought currency has the higher rate).
Swaps also apply to other markets you hold overnight, such as gold, indices, oil and crypto.
When is swap charged?
Swap is applied once per day at the daily rollover (around the end of the New York trading day). If you open and close a trade the same day, you usually pay no swap at all.
Triple swap on Wednesday
To account for the weekend (when markets are closed but interest still accrues), brokers typically charge three days of swap on Wednesday. So a position held over Wednesday night carries a larger swap than usual.
How to check swap rates
Swap rates vary by instrument and change with interest rates, so always check the current rate in the instrument’s details / contract specifications inside the SCapitalFX app before holding a position overnight.
How to reduce the impact of swaps
Trade intraday — close before the daily rollover and you avoid swap entirely.
Be aware of triple-swap Wednesday when planning multi-day holds.
Factor swap into longer-term trades — for trades held days or weeks, include it in your cost.
Risk warning: Trading forex and CFDs on margin carries a high level of risk. Swap fees add to your costs on positions held overnight. You could lose some or all of your invested capital.
Frequently asked questions
Do I always pay swap?
Only on positions held past the daily rollover. Trades opened and closed the same day usually have no swap.
Why was I charged three times the swap?
That is the standard triple-swap on Wednesday, which covers the upcoming weekend.
Can swap ever pay me?
Yes — if the currency you bought has a higher interest rate than the one you sold, the swap can be positive (a credit).
Where do I see the swap rate?
In each instrument’s details / contract specifications inside the app, since rates differ per market and change over time.
When you open an account at SCapitalFX you choose between two account types: Standard and Raw Spread. They trade the same 34 instruments on the same app with the same leverage — the only real difference is how you pay your trading cost. This guide breaks down both, with a real cost example, so you can pick the right one.
The core difference in one sentence
On a Standard account your cost is built into a slightly wider spread and you pay no commission. On a Raw Spread account you get near-zero raw spreads and pay a small, transparent commission instead.
Standard account
Spreads from 1.0 pip on EUR/USD
No commission — one simple cost
Minimum deposit from $10
Best for beginners and casual traders who want simplicity
With a Standard account there is nothing extra to calculate: the spread is your cost. That makes it easy to understand when you are starting out.
Raw Spread account
Spreads from 0.0 pips on EUR/USD
$6 round-turn commission per lot ($3 to open + $3 to close)
Minimum deposit from $50
Best for active traders, scalpers and higher-volume traders
Because the spread is stripped back to raw interbank pricing, the Raw account usually works out cheaper once you trade liquid pairs in size — even after the commission.
Standard vs Raw: side by side
Feature
Standard
Raw Spread
Spreads from
1.0 pip (EUR/USD)
0.0 pips (EUR/USD)
Commission
None
$6 round-turn / lot
Minimum deposit
$10
$50
Max leverage
Up to 1:200
Up to 1:200
Instruments
34 (FX, metals, indices, energy, crypto)
34 (same)
Best for
Beginners, casual traders
Active traders, scalpers
A real cost example (1 lot of EUR/USD)
Let’s compare the round-turn cost of trading one standard lot of EUR/USD, where 1 pip is worth about $10:
Standard: 1.0 pip spread = about $10, no commission → ~$10 total
Raw Spread: 0.0 pip spread = about $0, plus $6 commission → ~$6 total
In this example the Raw account is around 40% cheaper per trade. The more often you trade and the larger your size, the more that difference adds up — which is why active traders usually prefer Raw, while beginners often start with Standard for its simplicity.
Which one should you choose?
Choose Standard if you are new to trading, you trade occasionally, or you want the simplest possible pricing with a low $10 entry.
Choose Raw if you trade frequently, scalp, or trade larger sizes and want the tightest spreads with a clear, fixed commission.
Risk warning: Trading forex and CFDs on margin carries a high level of risk and may not be suitable for every investor. You could lose some or all of your invested capital.
Frequently asked questions
Is a Raw account always cheaper?
For liquid major pairs traded in reasonable size, Raw is usually cheaper once you include the commission. For very small or infrequent trades, the simplicity of Standard can be more convenient.
Can I open both account types?
Yes — many traders keep a Standard account for casual trades and a Raw account for active trading. You can switch between your accounts inside the app.
How is the Raw commission charged?
It is $6 per round-turn lot — $3 when you open the trade and $3 when you close it — charged automatically.
Do both accounts have the same leverage and instruments?
Yes. Both offer leverage up to 1:200 and access to all 34 instruments across forex, metals, indices, energy and crypto.
Funding a forex account with cryptocurrency is one of the fastest and most accessible ways to start trading — no bank transfer, no card, and no waiting days for money to clear. At SCapitalFX you can deposit using USDT, Bitcoin (BTC), Ethereum (ETH) and 50+ other cryptocurrencies, which is especially convenient for traders in regions where card or bank funding is slow or unavailable.
This guide explains how crypto funding works, why so many traders prefer it, and how to make your first deposit step by step.
Why fund a forex account with crypto?
Speed. Crypto deposits are typically credited shortly after the required network confirmations — often minutes, instead of the 1–3 business days a bank wire can take.
Accessibility. You don’t need a credit card or an international bank account. If you hold crypto in a wallet or on an exchange, you can fund your account.
Global reach. Crypto works across borders, which is ideal where local payment methods are limited.
Low friction. No card declines, no chargebacks, and no surprise currency-conversion fees from your bank.
Which cryptocurrencies can you use?
SCapitalFX supports 50+ cryptocurrencies for deposits. The most popular choices are:
USDT (Tether) — a stablecoin pegged to the US dollar, so its value doesn’t swing while you transfer. Available on multiple networks (such as TRC20 and ERC20).
Bitcoin (BTC) — the most widely held cryptocurrency.
Ethereum (ETH) — fast and widely supported.
Many traders prefer USDT for funding because it is a stablecoin: 100 USDT stays worth about $100, so you always know exactly how much is landing in your trading account.
How to fund your account with crypto (step by step)
Go to Deposit. In the app, open the deposit screen and choose Cryptocurrency.
Select your coin and network. Pick the coin you hold (for example USDT) and the matching network. This step matters — the network you choose must match the one you send from.
Copy the deposit address. The app shows a unique wallet address (and usually a QR code). Copy it exactly, or scan the QR.
Send from your wallet or exchange. Paste the address, enter the amount, and confirm the transfer.
Wait for confirmations. Your deposit is credited automatically once the blockchain confirms the transaction.
Avoid the most common funding mistakes
Match the network. Sending USDT on the wrong network (e.g. ERC20 vs TRC20) is the #1 cause of stuck deposits.
Send a small test first if it’s your first deposit and you’re unsure.
Double-check the address. Crypto transactions can’t be reversed, so copy and paste carefully.
How much do you need to start?
SCapitalFX keeps the entry low. You can open a Standard account from just $10 (no commission, spreads from 1.0 pip) or a Raw Spread account from $50 (spreads from 0.0 pips plus a $6 round-turn commission per lot). Not sure which to pick? Read our guide on Standard vs Raw accounts.
Can you withdraw in crypto too?
Yes. The same crypto rails that fund your account can be used to withdraw your profits back to your wallet. Withdrawals are sent to the wallet and network you specify, so — again — make sure the network matches.
Is crypto funding safe?
Crypto transfers themselves are secured by the blockchain. To keep your funds safe: only send to the address shown inside your verified SCapitalFX account, never share your wallet’s private keys, and always confirm the network before sending.
Risk warning: Trading forex and CFDs on margin carries a high level of risk and may not be suitable for every investor. You could lose some or all of your invested capital. Only the amount you deposit into your trading account is used for trading.
Frequently asked questions
What is the minimum crypto deposit?
You can start a Standard account from $10. Network fees charged by your sending wallet are separate and depend on the coin and network you use.
Which coin is best for funding?
For most traders, USDT is the simplest because it is a dollar stablecoin — its value stays steady while you transfer.
How long does a crypto deposit take?
Usually minutes, once the network confirms your transaction. Congested networks can take a little longer.
Do I still need to verify my identity?
Yes. Account verification (KYC) is part of opening your account, regardless of how you fund it.
Start trading at SCapitalFX
Funding with crypto means you can go from sign-up to your first trade in minutes. Open your account or try a free demo to practice first, and explore all account types and trading conditions to see what fits you best.
