4t 2025 Review: Everything You Need to Know
Summary: The 4t broker has garnered mixed reviews from users and experts alike, with an overall low rating of around 2.2 out of 5 stars. Key features include its use of popular trading platforms like MT4 and MT5, as well as a wide range of trading instruments. However, concerns about regulatory compliance and user experiences of delayed withdrawals and customer support issues are prevalent.
Note: It is important to highlight that 4t operates under different entities across various regions, including Seychelles and the UK, which impacts regulatory oversight and user experiences. This review aggregates opinions from multiple sources to provide a balanced perspective.
Rating Overview
How We Rate Brokers: Our ratings are based on a combination of user feedback, expert opinions, and factual data regarding the broker's services.
Broker Overview
Founded in 2007, 4t is an online broker offering a range of financial investment services to both retail and institutional traders globally. The broker primarily utilizes the well-known trading platforms MetaTrader 4 (MT4) and MetaTrader 5 (MT5), providing users with access to various trading instruments, including forex, commodities, indices, and shares. 4t is regulated by the Seychelles Financial Services Authority (FSA) and operates under different entities, including 4t Markets Limited, which is regulated by the UK's Financial Conduct Authority (FCA).
Detailed Section
Regulatory Regions: 4t operates under the regulatory oversight of the Seychelles FSA and the UK FCA. However, the different regulatory environments can lead to varying levels of protection for traders. The Seychelles regulations are often considered less stringent compared to those in the UK, raising concerns about the safety of clients' funds.
Deposit/Withdrawal Currencies: 4t supports deposits and withdrawals in multiple currencies, including USD, EUR, and GBP. However, specific information regarding the acceptance of cryptocurrencies is not clearly stated in the sources reviewed.
Minimum Deposit: The minimum deposit requirement to open a live trading account with 4t is set at $100, which is relatively low compared to many other brokers. However, some sources indicate a minimum deposit of $1,000 for specific account types, which may deter new traders.
Bonuses/Promotions: 4t offers a promotional bonus of 20% on deposits over $500, which is an attractive feature for new traders. However, it is essential to read the terms and conditions carefully, as bonuses can come with specific withdrawal restrictions.
Tradable Asset Classes: Traders can access a wide array of financial instruments, including forex pairs, commodities (like gold and oil), indices, and shares. This diversity allows traders to build a well-rounded portfolio.
Costs (Spreads, Fees, Commissions): 4t offers variable spreads, with the EUR/USD spread starting from 1 pip. There are no commissions charged on trades, making it appealing for scalpers. However, some users have reported hidden fees, particularly regarding withdrawals.
Leverage: The maximum leverage offered by 4t is 1:300, which can be enticing for experienced traders looking to amplify their trading positions. However, this high leverage also poses significant risks, particularly for inexperienced traders.
Allowed Trading Platforms: 4t supports the popular MT4 and MT5 trading platforms, both of which are known for their user-friendly interfaces and advanced trading tools, including algorithmic trading capabilities.
Restricted Regions: 4t does not provide services to residents in certain jurisdictions, including countries like the USA, Iran, and North Korea. It is crucial for potential clients to check if their country is on the restricted list before opening an account.
Available Customer Service Languages: Customer support is available primarily in English, with services offered through live chat, email, and phone. However, feedback regarding the responsiveness and effectiveness of customer support has been mixed, with some users reporting long wait times.
Repeated Rating Overview
Detailed Breakdown
Account Conditions: The minimum deposit is seen as a significant advantage; however, the variability in minimum deposits across different account types can confuse new traders.
Tools and Resources: 4t provides access to MT4 and MT5, which are equipped with essential trading tools. However, the lack of educational resources for beginners is a drawback.
Customer Service and Support: The customer service has received negative reviews for being slow and unresponsive, which can be frustrating for traders needing immediate assistance.
Trading Experience: The trading environment is generally favorable, with low spreads and no commissions. However, reports of delayed withdrawals can tarnish the overall experience.
Trustworthiness: The mixed reviews regarding regulatory compliance and user experiences contribute to a lower trust rating. While regulated in the UK, the offshore nature of its Seychelles operations raises red flags for some traders.
User Experience: Overall user experiences vary widely, with some praising the fast account setup and trading conditions, while others report issues with withdrawals and customer service.
Regulatory Compliance: The dual regulatory structure can be confusing for users, and the lack of stringent oversight from the Seychelles FSA is a concern for many.
In conclusion, while 4t presents itself as a competitive broker with attractive trading conditions and a wide range of instruments, potential users should exercise caution and conduct thorough research, particularly regarding regulatory compliance and user support experiences.
