Islamic الحساب قائمة تحقق — 12 Questions Before أنت Fund

النتيجة this حساب

1. Is there ANY overnight charge — by any name?

Ask: "Will my حساب be charged any fee for positions held overnight, regardless of what the fee is called — swap, rollover, admin fee, financing fee, holding fee, currency conversion fee?" A genuinely بلا سواب حساب answers "no charge of any kind for holding positions, regardless of duration."

2. Is there a maximum hold period before fees kick in?

Some الوسطاء offer بلا سواب for 5-14 days only. After that, swaps apply. This is structurally a deferred swap — useful for day traders but problematic for swing traders. Ask for the explicit hold period.

3. Are the spreads identical to standard accounts?

If the حساب إسلامي has noticeably wider spreads, the broker has built the swap الإيرادات into the spread. Structurally still a financing component, just hidden. تحقق by comparing the live spreads side by side.

4. Is the العمولة per lot the same as on a standard ECN حساب?

A broker that offers a بلا سواب ECN حساب at $7/lot instead of $7/lot has done it cleanly. A broker charging $14/lot has loaded the cost. Compare to the standard ECN حساب العمولة.

5. Is بلا سواب available on all instruments — or only فوركس majors?

Some الوسطاء only remove swaps on EUR/USD, GBP/USD, USD/JPY etc., but keep them on metals, المؤشرات, and العملات الرقمية CFDs. If أنت trade الذهب or المؤشرات, this matters. Get the full list of بلا سواب instruments.

6. Is there a "negative balance protection" guarantee?

If a sharp market gap leaves your حساب تحت zero, who covers the negative balance? On most regulated الوسطاء it is automatically zeroed out. On some unregulated الوسطاء, أنت owe the broker the negative balance — which crosses into a debt with riba implications. Get this in writing.

7. What is the broker's regulation?

Top-المستوى regulation (FCA in UK, ASIC in Australia, CySEC in EU, DFSA in Dubai) means real client money segregation, real complaints procedures, real audit. Offshore-only regulation (St. Vincent, Vanuatu, Marshall Islands) means أنت have very limited recourse if anything goes wrong — and recourse-less trades have additional gharar concerns.

8. Are client funds segregated من the broker's own funds?

If the broker uses your money for their own operations, the situation looks structurally like a loan أنت didn't agree to — and the broker pays themselves an implicit interest on it. Segregated accounts mean your money sits in a separate banking facility that the broker cannot touch for their own use.

9. Does the broker certify Shariah compliance externally?

Some الوسطاء have their Islamic accounts certified by recognized Shariah supervisory boards (AAOIFI-aligned scholars, Bahrain Shariah مراجعة Bureau, etc.). External certification is not a guarantee — but it is a stronger signal than the broker's marketing claim alone.

10. Is there a maximum leverage cap?

Many scholars advise lower leverage (1:30 or 1:50) for Islamic accounts to reduce gharar. A broker that offers 1:1000 on its "Islamic" حساب has either misunderstood or doesn't care. Look for الوسطاء that cap Islamic-حساب leverage at lower-than-standard levels.

11. What is the broker's stance on hedging and EAs?

Some الوسطاء ban Expert Advisors (EAs) and hedging on Islamic الحسابات. This is fine. Others permit them but treat them differently من standard accounts — sometimes adding extra fees. Understand the operational rules before funding.

12. What documentation will I receive on حساب opening?

Ask for the حساب إسلامي الشروط in writing before أنت sign. Read them. If the الشروط include any reference to interest, financing charges, or rollover compensation, the حساب is not what is being marketed. A clean حساب إسلامي agreement is قصيرة and explicit on the absence of these elements.