4T

4T Broker Overview

4T is the trading brand of a group of companies held by 4T Global (Cyprus) LTD, offering contracts for difference on forex, indices, equities and commodities through MetaTrader 4 and MetaTrader 5. The group runs two separate client facing websites, and the difference between them matters more than the brand. 4t.com is operated by 4T Limited, the group's Seychelles company, and is the site retail clients sign up through. 4t.co.uk is operated by 4T Markets Limited, the group's United Kingdom company, and states on its own front page that it does not offer its services to retail investors. The entry tier on the main site opens from 500 US dollars, funding minimums are 100 US dollars per channel, and the broker lists 28 forex pairs.

4T Regulation and License

Both of the group's trading authorisations were confirmed on the issuing authority's own register on 15 October 2026, and they belong to two different companies. 4T Markets Limited appears on the Financial Conduct Authority's register under firm reference number 624225 with the status Authorised, effective from 30 January 2015 and with no expiry date printed. Its permissions there are arranging deals in investments, dealing in investments as agent, dealing in investments as principal, making arrangements with a view to transactions in investments, and agreeing to carry on a regulated activity. Each is recorded against the customer types Eligible Counterparty and Professional and the investment type rolling spot forex contract, with dealing as principal limited to matched principal broker business. The register prints that firm's website as 4t.co.uk.

4T Limited appears on the Seychelles Financial Services Authority's securities dealer list, which records the Olivier Maradan Building in Victoria, Mahe as its address and 4t.com as its website. That list publishes no licence number, no issue date, no expiry date and no status wording against any entry, so the number SD058 that both 4t.com and its sign up portal quote is the broker's own figure rather than one printed on the register. A securities dealer licence is the category under which firms deal in securities from Seychelles, and it carries no investor compensation scheme and no ombudsman.

A promotional page on the main site goes further than either authorisation and describes the brand as carrying regulation from the SCA, the FCA and the FSA. The site's own legal footer names only the Seychelles and United Kingdom companies and does not mention the United Arab Emirates Securities and Commodities Authority. No licence from that authority has been found for 4T.

Is 4T Regulated?

Yes, but the authorisation a client trades under depends on which of the two sites they signed up on. A retail client who opens an account through 4t.com contracts with 4T Limited under the Seychelles licence. The Financial Conduct Authority authorisation belongs to 4T Markets Limited, and the register itself records that firm's permissions only for Eligible Counterparty and Professional customers, which is the same limit the company states on its own website when it asks a visitor to confirm they are not a retail investor. Reading 4T as a United Kingdom regulated retail broker therefore misdescribes the account a retail client actually opens.

4T Markets Limited and the Group Companies

4T Global (Cyprus) LTD is named in the site footer as the holding company that owns the group's operating companies. 4T Markets Limited is registered in England and Wales under company number 08891879 at Office 4.03, 80 Coleman Street, London EC2R 5BJ, a registration confirmed on UK Companies House on 15 October 2026, which records the company as incorporated on 12 February 2014. 4T Limited is a Seychelles company, registration number 8427038-1, recorded as established on 15 October 2019. The footer also names 4T Technology GmbH, registration number CHE-301.894.566, at Hinterbergstrasse 49, 6312 Steinhausen, Zug, Switzerland, and the broker's licences and regulation page names a United Arab Emirates company, 4T Global Markets Financial Services LLC. A company registration establishes only that a company exists, and is not financial regulation.

Is 4T Safe?

The answer depends on which company a client deals with, and the main site routes retail clients to the Seychelles company rather than the authorised United Kingdom one. That distinction decides what protection applies. The United Kingdom terms of business cite compensation of 100 percent of the first 85,000 pounds as the maximum available for most types of investment business, while adding that the right to claim arises only for a client who qualifies as an eligible claimant, and that company categorises its clients as professional clients or eligible counterparties and asks them to confirm they are not consumers. The Seychelles licence carries no compensation scheme and no ombudsman, and the client agreement on 4t.com is governed by Seychelles law with exclusive jurisdiction to Seychelles courts.

Four further points in the broker's own documents deserve attention before an account is funded. The United Kingdom agreement transfers absolute title in deposited money to the firm, as security for the client's present and future obligations, unless the firm has given written notice that it will hold the money as client money. The same agreement undertakes to process a withdrawal within three working days but reserves an absolute discretion to withhold, deduct or refuse a payment where the client has open positions or the account is showing a loss. A dormant account attracts an inactivity charge: up to 50 US dollars a month under the 4t.com agreement, and 50 US dollars or 5 percent of the available balance, whichever is greater, under the United Kingdom terms, deducted monthly until the balance reaches zero or trading resumes. And unrealised profits are never paid out or made available for withdrawal, with the company also entitled to retain funds covering margin requirements, unrealised losses, realised losses and uncleared funds.

Both the regulator's register and the broker's own United Kingdom site carry notices about imitators. The register records that a clone firm using the names UCFX Markets and BL Markets copied this firm's details, a notice added on 7 October 2024, and 4t.co.uk states at the top of its home page that 4T Markets Limited is not affiliated with 4 Markets or 4-mkt.com. Anyone approached by a firm using a similar name should check the firm reference number on the regulator's own register before sending money.

4T Account Types

The main site publishes three retail tiers. Standard opens from 500 US dollars with no commission. Raw opens from 10,000 US dollars on what the site calls ECN spreads, with a low commission whose amount is not published. VIP opens from 25,000 US dollars on ECN spreads with a tailored commission, again without a figure, and adds a dedicated account manager. All three are offered on MetaTrader 4 and MetaTrader 5. The accounts page publishes no leverage cap and no spread figure for any individual tier, and no swap free or Islamic account appears anywhere on the site.

A fourth offering sits below the three tiers as an institutional banner rather than an account a reader can open. It advertises no commissions, leverage up to 1:300, white label and brokerage support, FIX connectivity for MetaTrader, and liquidity from prime of prime and tier one banks, and it leads to an enquiry page rather than a sign up.

4T Spreads, Commissions and Fees

Commission depends on the tier: none on Standard, a low but unpublished amount on Raw, and a tailored amount on VIP. The site gives no spread figure for any tier, describing Raw and VIP only as carrying ECN spreads, so the cost of trading cannot be worked out from what the broker publishes. Two charges are set out in its own terms. The inactivity fee above is deducted from available cash on the last working day of each month once an account has gone twelve months without a transaction, and is applied without prior notice. Currency conversion carries a mark up the firm sets at its own discretion, no greater than 1 percent on transactions over 10,000 pounds and no greater than 2 percent below that figure, and every payment into an account is converted into that account's base currency.

Against that, the funding pages advertise transfers as free in both directions and the United Kingdom charges and fees page states that the spread is always built into the price and a client will never be charged on top of it. The client agreement does not guarantee either: it reserves any charge, cost or fee on a payment transaction, makes the client responsible for fees the firm imposes, and allows the company to change its charges without consulting the client. The full list of costs is published inside the client portal rather than on the public site.

4T Leverage

4T publishes three different maximums across its own pages, so no single figure can fairly be given as its cap. Its trading accounts page advertises CFDs with up to 500:1 leverage, its Products and Trading FAQ answers that clients can have leverage up to 1:1000, and its promotions page advertises up to 200:1. WIKILIX lists the highest of the three, up to 1:1000. No leverage is published for any individual account tier, and the institutional banner separately advertises up to 1:300.

4T Trading Platforms

MetaTrader 4 and MetaTrader 5 are the platforms a client can actually download, both offered on Windows and Mac, through the browser and as iPhone, iPad and Android apps, with builds linked from the broker's own MetaTrader 4 and MetaTrader 5 pages. The live and demo servers used on the main site are the Seychelles company's.

The site also markets a proprietary mobile app, 4T Trader, in its page titles and on a feature page of its own. It is not listed as an available platform, because the only app store links on that page lead to MetaTrader 5. No download, web terminal or connection guide for 4T Trader is published anywhere on the site.

4T Deposits and Withdrawals

The funding table on the broker's deposits and withdrawals page specifies two channels in full. Bank transfer takes US dollars, euros and pounds sterling, with a 100 US dollar minimum in each direction and processing stated as one to two business days each way. Visa and Mastercard are US dollars only, again with a 100 US dollar minimum each way, deposits shown as instant and withdrawals processed within one working day. So 100 US dollars is the minimum the broker will move per channel, while the cheapest named account tier asks for 500 US dollars to open.

Two further routes are named without specifications. The trading accounts page offers digital payments in USDT, which does not appear in the funding table and which the client agreement does not cover. The deposits page mentions e-wallets among its supported options in prose but names no individual wallet and gives no fee, limit or timing. Withdrawals require identity and address verification to be complete, are paid from realised funds only, and run through the client portal as an internal transfer followed by a withdrawal request. The broker advertises that 99 percent of withdrawals are processed within 24 hours, while its contract allows three working days and gives it discretion to refuse a payment.

A first deposit of 500 US dollars or more attracts a 20 percent bonus on a published scale, rising from 100 US dollars of bonus at a 500 US dollar deposit to the 5,000 US dollar maximum at 25,000 US dollars. The promotions page points twice to the eligibility criteria, bonus conditions and withdrawal requirements, once through a link reading click here and once through a Deposit Trading Bonus Scheme Terms and Conditions control, and neither leads anywhere, so those conditions cannot be read from the page that advertises them. A bonus carrying withdrawal conditions is worth obtaining in writing before it is accepted.

4T Support

Three of the broker's own pages state that its customer service team is available 24 hours a day, five days a week. Contact runs through live chat on the site, email at cs@4t.com and telephone on +44 20 3819 3100, with a Dubai line also published. The group lists offices in London, Dubai and Seychelles, and its FAQ is published on the main site. 4T describes its support team as multilingual without naming the languages it covers, and the main site offers more than one language version through a selector in its header.

4T Pros and Cons

• A Financial Conduct Authority authorisation sits within the group under firm reference number 624225, and was confirmed on the regulator's own register.
• The Seychelles licensee's entry on the authority's securities dealer list was confirmed on the same date.
• The United Kingdom company's registration at Companies House was confirmed, with an incorporation date of February 2014.
• MetaTrader 4 and MetaTrader 5 are both offered across desktop, browser and mobile, with builds published.
• Funding minimums are low at 100 US dollars per channel, and bank transfer accepts three currencies.
• Support is stated as 24 hours a day, five days a week, across several of the broker's pages.
• Retail clients on the main site contract with the Seychelles company, which carries no compensation scheme, and the United Kingdom authorisation is limited on the register to professional clients and eligible counterparties.
• No spread figure and no per tier leverage is published, and the brand advertises three different leverage maximums across its own pages.
• The client agreement reserves payment charges the funding pages advertise as absent, allows charges to change without consent, adds a conversion mark up of up to 2 percent, and keeps the full fee list inside the client portal.
• The United Kingdom agreement takes absolute title to deposited money and can refuse a withdrawal while an account shows a loss.
• The deposit bonus is advertised with its conditions behind two controls that lead nowhere.
• No swap free or Islamic account is offered, and a proprietary app is marketed with no way to download it.

4T Review and Assessment

4T is best understood as two businesses under one brand: a Financial Conduct Authority authorised United Kingdom company serving professional clients and eligible counterparties at 4t.co.uk, and a Seychelles company serving retail clients at 4t.com. Both authorisations are real and were confirmed on their own registers in October 2026, but a reader drawn in by the United Kingdom one should be clear that the account opened on the main site is not held under it and carries no compensation scheme or ombudsman. The platform side is conventional and properly documented, funding minimums are low, and the published tiers climb steeply from 500 to 25,000 US dollars. What a prospective client should settle before funding is cost and terms rather than regulation, because 4T publishes no spread figure, no commission above its zero commission entry tier, a client agreement that reserves payment charges its own marketing describes as absent, and a bonus whose conditions it does not publish.