CFI review

Updated September 28, 2026 · BrokerCue Editorial Team · Facts checked September 26, 2026

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Our verdict

CFI suits traders who want one account covering stocks, etfs and forex on a commission-free model commission free, with a minimum deposit of $0 and a Cyprus entity licensed by Cyprus Securities and Exchange Commission and FCA. Note that 66% of retail accounts lose money, and protection under the EU scheme is limited.

Key facts

Best for
Traders wanting one multi-asset account on a commission-free model, with a Cyprus or UK entity.
Minimum deposit
$0 (Source, checked September 26, 2026)
Markets
Stocks, ETFs, Forex, CFDs, Crypto (Source, checked September 26, 2026)
Regulators
Cyprus Securities and Exchange Commission, FCA (Source, checked September 26, 2026)
Investor protection
EU ICS up to EUR 20,000 (Source, checked September 26, 2026)
Retail accounts that lose money
66% (Source, checked September 26, 2026)
Deposit and withdrawal fees
No deposit fees (Source, checked September 26, 2026)
Platforms
MT5, TradingView, CFI Multi-Asset, CFI Trading App (Source, checked September 26, 2026)
Legal entity
Credit Financier Invest (CFI) Ltd (Source, checked September 26, 2026)
Founded
1998 (Source, checked September 26, 2026)
Features
Demo account, Mobile app
Pricing model
Commission-free
Official website
cfifinancial.com

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipedia

Pros and cons

Pros

  • No minimum deposit, at $0, and No deposit fees, so funding does not cost a fee and the account can open at any size.
  • Regulated on both sides of Europe: Cyprus Securities and Exchange Commission and FCA, with the Cyprus entity named as Credit Financier Invest (CFI) Ltd.
  • A single account covers stocks, etfs and forex rather than forcing separate apps per asset class.
  • Platforms include MT5, TradingView and CFI Multi Asset, so charting and order handling can stay on familiar tools.
  • EU ICS up to EUR 20,000 applies to the Cyprus entity, which is a named scheme with a stated cap.

Cons

  • Protection caps out at EU ICS up to EUR 20,000 on the Cyprus entity, so balances above that sit outside the scheme.
  • 66% of retail accounts lose money, which is the risk that matters most for anyone sizing a position.
  • Leverage sits alongside shares and ETFs in stocks, etfs and forex, so a single account mixes instruments with very different risk levels.
CFI

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Scored 9.6 / 10 by BrokerCue.

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Who it suits

  • People who want stocks, etfs and forex held in one place instead of several broker accounts.
  • Traders who prefer the commission-free model commission free and a minimum deposit of $0 over a larger entry threshold.
  • Savers who want a Cyprus or UK regulated option, given Cyprus Securities and Exchange Commission and FCA and the Cyprus licence 179/12.

Who should look elsewhere

  • Anyone wanting a wider asset list, since stocks, etfs and forex runs to futures as well and CFI's list is stocks, etfs and forex.
  • EU traders who want a rival with a low entry point, such as XTB at €0.
  • Traders put off by losses in the retail book, where 66% lose money and the median here is 70.15%.

What trading costs

The starting line for cost is the account itself. The minimum deposit is $0, and No deposit fees on paying money in or taking it out. Trading sits on a commission-free model, commission free, so a position in shares, ETFs, forex, CFDs or crypto is opened without a per-trade commission charge. Put against the wider field, the typical minimum deposit across the brands compared is €4.64, and CFI places 1 among 213 brands on that measure. Against Vantage, whose minimum is $5, and XTB at €0, the entry point is among the least demanding. How much a position costs once opened still depends on the spread and the market, which sit in the trading terms rather than in these figures.

Regulation and registers

The brand answers to Cyprus Securities and Exchange Commission and FCA, and the contracting entity named in its Cyprus documentation is Credit Financier Invest (CFI) Ltd. That Cyprus entity holds licence 179/12, which is the register a client of that entity sits under. Money held under the EU investor compensation arrangement is stated as EU ICS up to EUR 20,000. Readers should weigh that figure against a typical balance: a scheme cap sets a point above which the balance carries no cover from the scheme, so a larger account needs the size of the cover checked against the holding rather than the presence of a scheme being enough. Clients whose account sits with the UK entity are under the FCA rather than the Cyprus register, and the protection attached to the account depends on which entity holds it.

What you can trade

The listed instrument set is stocks, etfs and forex, which puts share dealing, ETFs, currency, contracts for difference and crypto in the same account rather than split across providers. For context on breadth, eToro's listed set is stocks, etfs and forex, and the extra ground there is futures. CFI's advantage is narrower but different: the multi-asset book under one login suits a reader who wants currency and derivatives alongside a share dealing habit instead of a second relationship. Execution runs through MT5, TradingView and CFI Multi Asset, so orders can be placed from the desktop platform, the multi-asset terminal, TradingView or the mobile app, and a demo account is listed among the features in demo account and mobile app for anyone sizing an approach first. Crypto appears in the instrument list at a lower rate across the brands compared, 35.3%, so the crypto side is a well established part of the offer here.

Opening and funding an account

Funding is the straightforward part. The minimum deposit is $0, so there is no threshold to clear before an account can be opened, and No deposit fees on moving money in or out. That combination puts CFI alongside the cheapest ways in on the comparison: Vantage asks $5 and XTB €0, while the median minimum across the brands ranked is €4.64 and the top end reaches €26,308.87. The practical point for a saver is that small amounts are workable, so a first deposit does not force a large position. The same fee fact matters on the way out as well, and it is worth reading alongside the protection figure in the regulation section, since a comfortable balance and a comfortable withdrawal cost are separate questions.

How CFI compares

Where CFI is available

Available
Everywhere except United States
Licence in Cyprus
Cyprus Securities and Exchange Commission (179/12), checked September 26, 2026
Licence in United Kingdom
FCA, checked September 26, 2026

Frequently asked questions

What is the minimum deposit to open a CFI account?+

The minimum deposit is $0, so an account can be opened at any size and a first deposit does not have to clear a threshold. For comparison, Vantage lists $5 and XTB €0. The median minimum across the brands ranked is €4.64, and the highest reaches €26,308.87. CFI places 1 of 213 on that measure.

Does CFI charge commission on trades?+

CFI trades on a commission-free model, commission free, so positions are opened without a per-trade commission charge. The cost of a trade therefore sits in the spread and the market rather than in a commission line. Commission-free models are common in the field, appearing for 69.8% of the brands compared. Low-fee models sit alongside them at 40.5%.

How is CFI regulated, and which register holds the account?+

The named regulators are Cyprus Securities and Exchange Commission and FCA, and the Cyprus entity is Credit Financier Invest (CFI) Ltd. That entity holds licence 179/12, which is the register its clients sit under. UK clients are under the FCA register instead. The entity on the paperwork decides the register, so it is worth checking before funding.

What investor protection applies to money held with CFI?+

Protection is stated as EU ICS up to EUR 20,000, so the scheme covers a set amount and not the whole balance in every case. The right test is whether a typical balance sits under the cap or above it, because the scheme does not extend past the figure. That figure applies to the Cyprus entity, so a UK account under the FCA works to its own arrangement.

What share of CFI retail accounts lose money?+

The retail loss figure for this brand is 66%, meaning most retail accounts here close at a loss. Across the brands compared the median is 70.15%, with a range from 40.3% to 88%. That spread is why position sizing matters more than the headline score on any single broker.

What can I trade on a CFI account?+

The listed instruments are stocks, etfs and forex, so shares, ETFs, forex, contracts for difference and crypto all sit in one account. eToro's set runs wider at stocks, etfs and forex because it adds futures. Orders can be placed through MT5, TradingView and CFI Multi Asset, covering the desktop platform, the multi-asset terminal, TradingView and the mobile app.

Which platforms and apps does CFI offer?+

The platforms listed are MT5, TradingView and CFI Multi Asset, which spans the desktop platform, the CFI Multi-Asset terminal, TradingView and the CFI Trading App. A mobile app appears among the features in demo account and mobile app, alongside a demo account, so an approach can be tested before real money goes in. Mobile apps are the most common feature on the site, appearing for 92.8% of the brands compared, with demo accounts at 44.9%.

How does CFI compare with eToro, Vantage and XTB on entry costs?+

On the minimum deposit, CFI sits at $0, Vantage at $5 and XTB at €0. The median across the brands ranked is €4.64, so the spread between these entry points is small. CFI ranks 1 of 213 brands on that measure, with the cost score at 8.4 and the overall score 8.4.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Stock trade fee, Account fee, Inactivity fee.

CFI

CFI

Traders wanting one multi-asset account on a commission-free model, with a Cyprus or UK entity.

9.6/10See alternatives

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