Most forex brokers offer three to five account types: a Standard account with wider spreads and no commission for beginners; a Raw or ECN account with tight spreads plus a commission for active traders; a swap-free Islamic account; often a cent account for small deposits; and a Professional account for clients who qualify where the rules allow it. Each account type is a group on your trading server with its own spreads, commission, leverage, swaps and routing.
- Keep the line-up simple: three to five accounts.
- Each account type is a server group with its own settings.
- Raw/ECN accounts trade tighter spreads for a commission.
- Swap-free accounts need clear rules on fees and abuse.
- Leverage limits depend on your licence and clients' countries.
Looking for an MT5 white label? Account groups, spreads, leverage and routing set up for your line-up.
Account types shape how clients see your brand and how you earn. Here is how brokers usually structure them, and how they map onto your platform and CRM. Platform set-up is part of our MT5 white label and forex CRM work.
Common account types
| Account | Pricing | Typical client | Notes |
|---|---|---|---|
| Standard | Wider spread, no commission | Beginners | Simple to understand |
| Raw / ECN | Tight spread plus commission per lot | Active and algorithmic traders | Often A-book routed |
| Swap-free (Islamic) | No overnight swaps; may carry an admin fee | Clients who need Sharia-compliant trading | Needs abuse rules |
| Cent | Balances shown in cents | Small deposits, first-time traders | Lower entry point |
| Professional | Higher leverage where permitted | Clients who meet professional criteria | Eligibility checks required by some regulators |
How account types work on the platform
On MetaTrader 5 each account type is a group with its own symbols, spread mark-up, commission, leverage, margin call and stop-out levels, swaps and routing rules. Your CRM maps each group to a sign-up option, so clients pick an account and the right group is created automatically. See spread mark-up and dynamic leverage.
Swap-free accounts
Swap-free accounts need clear terms on any administration fee and on holding periods, to stop clients from using them for swap arbitrage. Read our swap-free Islamic accounts guide.
Tips for designing your line-up
- Fewer, clearer accounts convert better than many similar ones.
- Match routing to the account: tight-spread accounts often go to STP/ECN execution.
- Check leverage and product limits for each licence and client country.
- Give IBs their own commission set-up per account type.
General information written in November 2026, not legal or financial advice. Rules differ by country; confirm your plans with qualified advisers.