الحسابات الإسلامية: من يعلن التكلفة؟
السؤال ليس «هل يوجد حساب إسلامي؟» — أغلبهم لديه. السؤال هو: بكم؟
الحساب العادي يحتسب فائدة على المراكز المبيَّتة، وهي ربا. الحساب الإسلامي يلغيها — لكن الوسيط ما زال يريد مقابلاً، فيستبدلها غالباً برسم إداري ثابت على كل عقد في كل ليلة، بعد مهلة سماح أيام. فإن لم يُعلَن مقدار هذا الرسم ومتى يبدأ وما الأدوات المستثناة، فأنت لا تعرف ما إذا كانت الفائدة أُلغيت أم أُعيدت تسميتها.
من أصل 13 وسيطاً يقدّم حساباً إسلامياً، 7 لا يعلنون الرسم الإداري ولا مهلة السماح ولا الأدوات المستثناة.
| الوسيط | الإفصاح | الشروط المنشورة | قياسنا |
|---|---|---|---|
| ActivTrades | لا يُعلن | 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. [المصدر] | لم يبدأ القياس بعد |
| Capital.com | لا يُعلن | 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. [المصدر] | لم يبدأ القياس بعد |
| FP Markets | لا يُعلن | 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. [المصدر] | لم يبدأ القياس بعد |
| HFM (HF Markets) | لا يُعلن | Swap-free trading offered to all HFM clients on selected accounts/instruments; dedicated swap-free conditions on specific accounts for clients observing Sharia law. Several instruments may face Carry Charges after a position is rolled over for a sequential period of days (instrument list in Rollover Policy; T&C apply). No admin-fee amounts or grace-period day counts published on the page. [المصدر] | لم يبدأ القياس بعد |
| OANDA | لا يُعلن | 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. [المصدر] | لم يبدأ القياس بعد |
| Vantage | لا يُعلن | 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. [المصدر] | لم يبدأ القياس بعد |
| XM | لا يُعلن | not published [المصدر] | لم يبدأ القياس بعد |
| eToro | جزئي | 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. [المصدر] | لم يبدأ القياس بعد |
| FxPro | يقول: بلا رسوم | FxPro Infinity Islamic account: swap-free on ALL instruments and all account types, forever; no minimum-deposit increase; same spreads; no trade-size or holding-time limits; no listed admin fee or grace period. Apply via backoffice@fxpro.com or form. Subject to eligibility and fair-usage/abusive-trading review (status can be revoked). Homepage also advertises '0 Swap on all instruments, forever' broadly. [المصدر] | لم يبدأ القياس بعد |
| Octa (formerly OctaFX) | يقول: بلا رسوم | All Octa trading accounts are swap-free by default ('No swaps, halal trading') — no separate Islamic account needed. No admin fee, grace period, or instrument exclusions published. [المصدر] | لم يبدأ القياس بعد |
| IC Markets | يُعلن بالكامل | 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. [المصدر] | لم يبدأ القياس بعد |
| Pepperstone | يُعلن بالكامل | 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. [المصدر] | لم يبدأ القياس بعد |
| Tickmill | يُعلن بالكامل | 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. [المصدر] | لم يبدأ القياس بعد |