Wikilix
Contract reading

What ABB Invest legally published, but does not want you to read

Every clause below is published by ABB Invest itself, on its own website, today. The finding is not that the text exists. It is the distance between what a client is shown and what a client agreed to. Read from its own documents on .

Contracting entity: ABB-İnvest İnvestisiya Şirkəti QSC

hidden feedeemed acceptancesole discretionunilateral amendmentunpublished documentwithdrawalsbest executionclient classificationconflict of interestcontradiction

ABB-İnvest can cancel every trade result on your account, going back to the day it gave you better terms. Your investment account can be emptied to pay a debt you owe ABB Bank or a firm in its group. Signing counts as asking to be treated as a professional investor. The fee schedule changed four times in six months, and the contract promises you no notice.

Back to ABB Invest

Contract risk

Money at risk
6.5/10

Where this contract sitsHow far this contract goes, overall. Under 2 is nothing beyond the ordinary; 6 to 9 means several clauses put money you have already earned at risk; 9 and above reads as designed to make payout refusable.

0510
CriticalClauses that can cost you money you have already earned or deposited, or that remove your ability to challenge it.
5
FlaggedEvery clause worth knowing about, at all three severities. Ordinary terms that every broker has are not counted.
18
DocumentsHow many of the broker's own legal files this reading is based on. Each one was downloaded and hashed on the date shown.
9
ContradictionsPlaces where a promise the broker makes in public is not kept by the clause that governs it.
5

How the 18 break downThe same flagged clauses, split by how much each one can cost you. Severity is our reading of the clause, not the broker's label.

Critical5
Warning12
Notice1

section 11 of 24is where the deepest clause sits, 46% of the way into the document it is in

The numbers in this contractFigures taken from this broker's own clauses, so the labels differ from broker to broker. The four in the panel above are the same on every report.

1 of these 4 figures comes from a clause we rate critical, which means it can take your money or your profit rather than only delay it.

Critical20%Account limit. Jump to the clause this comes from.Positions close at a 20% margin level, after one call4Fee you were not shown. Jump to the clause this comes from.The fee schedule changed four times in six months14 working daysWithdrawal limit. Jump to the clause this comes from.Two different payout deadlines, 5 days and 14 days$15In the contract. Jump to the clause this comes from.Commission free trading, with a $15 commission on shares

What the documents say

18 clauses worth knowing about, worst first, each quoted from ABB Invest's own files

01

If ABB-İnvest decides your trading counts as scalping, clause 9.41 lets it cancel every result from the moment that trading began. Clause 9.40 reaches further back, to the day it gave you the better terms.

Why this matters

Your profit is only yours until ABB-İnvest reviews how you made it. Clause 1.40 defines scalping as trading without analysis, in an undisciplined way, inside small price ranges. Nobody has to agree with that reading before your profit goes.

Exhibit 1CriticalHarder than usual

İnvestisiya Şirkəti belə ticarəti razılıq olmadan müşahidə etsə, bu növ ticarətə başladığı andan etibarən Müştərinin əldə etdiyi bütün ticarət nəticələrini ləğv edə bilər;
Clause 9.41 in Fiziki şəxslərə investisiya xidmətlərinin göstərilməsinə dair Standart Şərtlər (fiziki şəxslər üçün), p.47
Read from the broker's site on Open the reference
  • Worse together with Exhibit 12ABB-İnvest can cancel the result and then charge you its own fees for questioning it.
02

Owe money to ABB Bank or to one of its subsidiaries, and clause 4.2.6 lets ABB-İnvest take it from your investment account. Clause 4.2.17 also lets it freeze the account and block every payment in or out.

Why this matters

A late payment at the bank can reach the money you set aside to trade. Nothing in the clause caps the amount, and your instruction is not needed.

Exhibit 2CriticalRarely seen

Müştərinin İnvestisiya Şirkəti qarşısında, habelə onun təsisçi şirkəti olan “ABB” ASC qarşısında və onun törəmə müəssisələri və əməkdaşlıq etdiyi şəxslər məcburi ödənişlər və rüsumlarla bağlı dövlət qarşısında icra edilməmiş hər hansı öhdəliyi olduqda onun İnvestisiya hesabındakı pul vəsaitini akseptsiz qaydada (Müştərinin sərəncamı olmadan) silmək
Clause 4.2.6 in Fiziki şəxslərə investisiya xidmətlərinin göstərilməsinə dair Standart Şərtlər (fiziki şəxslər üçün), p.11
Read from the broker's site on Open the reference

Our readingSet-off inside one firm is ordinary. This clause reaches obligations owed to a separate company, the founder bank, to that bank's subsidiaries and to firms it cooperates with, and it works without the client's instruction.

03

Your signature is treated as a written application to be classified as a professional investor, under clause 9.59. The same clause treats you as declaring that you know every risk in margin trading.

Why this matters

Professional investors lose the protections retail clients get. ABB-İnvest's own trading conditions page exempts them from the demo training rule. Clause 9.31 allows them a higher credit limit.

Exhibit 3CriticalRarely seen

Müştəri bu Standart şərtlərlə tanış olmaqla və müvafiq Müqaviləni imzalamaqla peşəkar investor statusunun verilməsi barədə yazılı müraciət (ərizə) etmiş hesab edilir.
Clause 9.59 in Fiziki şəxslərə investisiya xidmətlərinin göstərilməsinə dair Standart Şərtlər (fiziki şəxslər üçün), p.49
Read from the broker's site on Open the reference
Set against a regulated standard: FCA (UK), ESMA (EU)

Firms licensed by the FCA, and firms under ESMA rules, must test a client against set criteria before treating them as professional, and must have the client ask for that treatment in writing. This contract treats the signature itself as the request.

ABB Invest is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

Our readingClient classification normally starts with a request the client makes on purpose. Here one signature is deemed to be that request, for everyone who signs.

  • Worse together with Exhibit 5The status deemed to be requested is the one that removes the training rule and raises the credit limit behind your positions.
04

You have to ask in advance about the execution costs that do not belong to ABB-İnvest, under clause 4.3.3. If you do not ask, the clause says you are fully informed about them.

Why this matters

Venue payments, clearing fees and third party charges come out of your money. The fee schedule states that it lists ABB-İnvest's own commissions only, and not asking is treated as knowing.

Exhibit 4CriticalHarder than usual

Müştəri qəbul edir ki, xidmət haqları ilə yanaşı İnvestisiya Şirkətinə aid olmayan sifarişin icrası ilə bağlı xərclər müştəri tərəfindən öncədən sorğu edilməlidir. Bu sorğunun edilməməsi Müştərinin bununla bağlı tam məlumatlı olması deməkdir.
Clause 4.3.3 in Fiziki şəxslərə investisiya xidmətlərinin göstərilməsinə dair Standart Şərtlər (fiziki şəxslər üçün), p.14
Read from the broker's site on Open the reference

Where it sits: section 11 of 24 in the Fiziki şəxslərə investisiya xidmətlərinin göstərilməsinə dair Standart Şərtlər (fiziki şəxslər üçün), 46% of the way through.

Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA or CySEC must disclose costs and charges, including third party costs, to a retail client before that client trades. Here the duty to find them out sits with you.

ABB Invest is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

  • Worse together with Exhibit 16The costs you must ask about sit outside a schedule that also leaves out the fee for putting money in and taking it out.
05

ABB-İnvest closes your positions when your margin level reaches 20%, largest first, under clause 9.33. You get one margin call at 100%, and clause 9.44 says no second call is sent.

Why this matters

You can lose four fifths of the money backing your trades before anything is closed for you. ABB-İnvest's trading conditions page says what is left can end below that 20%. Clause 9.38 at least stops it claiming more than you deposited.

Exhibit 5CriticalHarder than usual20%

Müştəri hesabı üzrə mövqelərinin məcburi bağlanması (stop out) marja səviyyəsi 20% olduqda İnvestisiya Şirkəti tərəfindən həcm və ya zərər üzrə iridən kiçiyə olmaqla müvafiq ardıcıllıqla aparılır;
Clause 9.33 in Fiziki şəxslərə investisiya xidmətlərinin göstərilməsinə dair Standart Şərtlər (fiziki şəxslər üçün), p.46
Read from the broker's site on Open the reference

What it costsIf your open trades need $1,000 of margin, a 50% close-out acts when your equity falls to $500. ABB-İnvest acts at $200.

Set against a regulated standard: ESMA (EU), FCA (UK)

Firms under ESMA and FCA rules must close a retail client's contracts for difference when margin falls to 50% of the margin required. This contract sets that point at 20%.

ABB Invest is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

What happens, and when

The stages this clause runs through, taken from the broker's own document
TriggerWhat the broker may then doClause
Margin level 100%ABB-İnvest sends one margin call by SMS, email or through the platform.9.32
No responseNo second call is sent.9.44
Margin level 20%ABB-İnvest force closes your positions, starting with the largest or worst losing one.9.33
06

ABB-İnvest replaced its tariff schedule four times between June and November 2025. Clause 4.2.9 lets it change fees on its own, and clause 4.3.3 makes checking the website your job.

Why this matters

The floor on an electronic exchange order went from 0.01 AZN to 0.50 AZN. Opening a depo account on paper went from 20 AZN to 100 AZN. The schedule you agreed to is not the schedule that bills you.

Exhibit 6WarningHarder than usual4New

Qanunvericiliyin tələbləri nəzərə alınmaqla İnvestisiya Şirkətinin xidmət haqlarında və xidmətlərin göstərilməsi qaydalarında birtərəfli qaydada dəyişiklik etmək;
Clause 4.2.9 in Fiziki şəxslərə investisiya xidmətlərinin göstərilməsinə dair Standart Şərtlər (fiziki şəxslər üçün), p.12
Read from the broker's site on Open the reference
  • Worse together with Exhibit 9Fees move whenever ABB-İnvest decides, and the only promise of notice lives on a web page rather than in the contract.

The pages promise no commission and 15 days of notice; the contract does not

ABB-İnvest's account types page says forex carries no commission, while its tariff schedule charges $15.00 per US share contract. Clause 9.50 adds the swap and the rollover as transaction costs. Its trading conditions page promises 15 calendar days of notice before a fee changes, and the Standard Terms set no notice period at all.

Page against contract2 clauses flagged

ABB-İnvest's account types page says forex trading carries no commission. Its own tariff schedule charges $15.00 on each of 48 US share contracts, and its features table prints the same figure.

Why this matters

Clause 9.50 also puts the spread, the overnight swap and the rollover difference outside the words service fee. Those costs still leave your balance.

Exhibit 8WarningHarder than usual$15

APPLE - APPLE INC (NASDAQ) $15,00
Clause Marja ticarəti xidməti üzrə tariflər in TARİF CƏDVƏLİ, p.7
Read from the broker's site on Open the reference

ABB-İnvest's trading conditions page promises at least 15 calendar days of notice before a fee changes. The Standard Terms contain no notice period at all.

Why this matters

Clause 4.3.3 tells you to keep checking the website instead. If a fee rises on the day you read it, nothing in the contract you signed was broken.

Exhibit 9WarningHarder than usual15 days

İnvestisiya şirkəti tərəfindən xidmət haqları tətbiq edildikdə və ya dəyişdirildikdə belə dəyişiklik barədə məlumat bu cür dəyişikliyin tətbiqinə ən azı 15 (on beş) təqvim günü qalmış müştərilərə bildirilir.
Quoted in Ticarət şərtləri - Ümumi məlumatlar
Read from the broker's site on Open the reference

ABB-İnvest shows you its own commissions and leaves the rest to you

Four tariff schedules in six months, and the one in force from 04.11.2025 lists no deposit fee and no withdrawal fee. Clause 4.3.3 makes third party execution costs your job to ask about, and says not asking means you were informed. Managed portfolios cost 1% a year plus 20% of the gain, with brokerage commission on top.

Cost disclosure2 clauses flagged

Handing your assets to ABB-İnvest to manage costs 1% a year, plus 20% of the gain. Each trade inside that portfolio also attracts the ordinary brokerage commission.

Why this matters

Footnote 8 of the tariff says an Investment Policy Declaration beats the published tariff if the two conflict. ABB-İnvest does not publish that declaration, so your real fee can sit in a document only you and it have seen.

Exhibit 15WarningHarder than usual20%

Sabit idarəetmə komissiyası - İdarəetməyə verilmiş aktivlərin həcmindən illik 1%; Aktivlərin artımından əldə edilən gəlir üzrə - Aktivlərin artımından əldə edilən gəlirin 20%
Clause İnvestisiya portfelinin idarə edilməsi in TARİF CƏDVƏLİ, p.4
Read from the broker's site on Open the reference

Topping up your investment account with a card costs 0.5%, as ABB-İnvest's operations page states. The tariff schedule in force from 04.11.2025 carries no deposit line and no withdrawal line.

Why this matters

Clause 9.58 says withdrawal commissions are charged according to the Tariffs. The Tariffs name none, so what you will pay to get your money out is not published anywhere we could read.

Exhibit 16WarningHarder than usual0.5%

Müştərinin məxaric tələbi zamanı Investisiya Şirkəti tərəfindən tətbiq olunan komissiyalar müvafiq qaydada Tariflərə uyğun olaraq əməliyyatın keçirildiyi valyutada, həmin günə AR Mərkəzi Bankının müəyyən etdiyi məzənnəyə uyğun AZN ekvivalentində hesablanır.
Clause 9.58 in Fiziki şəxslərə investisiya xidmətlərinin göstərilməsinə dair Standart Şərtlər (fiziki şəxslər üçün), p.49
Read from the broker's site on Open the reference

What it costsA 1,000 AZN top up reaches your account as 995 AZN. The 5 AZN goes before your first trade.

Two ABB-İnvest documents give two different payout deadlines

Clause 9.57 gives ABB-İnvest 5 working days to return your money. Its trading conditions page says 14 working days for the same request. Clause 9.56 also lets it require your open positions closed first, and the commission it will charge is published nowhere.

Exit conditions1 clause flagged

Getting your money back takes 5 working days under clause 9.57 of the contract. The same request takes 14 working days on ABB-İnvest's trading conditions page.

Why this matters

You cannot tell from the published documents which deadline applies to you. Clause 9.56 also lets ABB-İnvest require your open positions closed before it pays out.

Exhibit 7WarningStandard wording14 working days

Müştərinin aktivlərinin geri qaytarılması ilə bağlı tələbini İnvestisiya şirkəti növbəti 5 (beş) iş günü ərzində həyata keçirir;
Clause 9.57 in Fiziki şəxslərə investisiya xidmətlərinin göstərilməsinə dair Standart Şərtlər (fiziki şəxslər üçün), p.49
Read from the broker's site on Open the reference

ABB-İnvest can block the account, set your leverage and reclassify you

Clause 4.2.6 lets ABB-İnvest take money from your investment account for a debt owed to ABB Bank or its subsidiaries. Clause 9.59 treats your signature as an application for professional investor status. Positions close at a 20% margin level, after a single call at 100%.

Control of the account1 clause flagged

When the market price comes within 10 pips of your stop order, your stop loss or your take profit, ABB-İnvest's trading system may stop you closing the trade or moving the level.

Why this matters

That is the moment you most want to act. This restriction sits on the trading conditions page and appears nowhere in the Standard Terms you sign.

Exhibit 14WarningRarely seen10

Açıq əməliyyatlar zamanı Cari bazar qiyməti öncədən təyin olunmuş Stop əmrlərinə, eləcə də zərəri dayandır və Gəliri götür hədlərinə 10 pipdən yaxın olduğu təqdirdə əməliyyatın bağlanması və ya hədlərin dəyişdirilməsi ticarət sistemi tərəfinən məhdudlaşdırıla bilər.
Quoted in Ticarət şərtləri - Ümumi məlumatlar
Read from the broker's site on Open the reference

Our readingA freeze band around stop levels is a platform rule most retail agreements do not contain at all. Here it limits your control at the exact point the position is being decided.

Challenging a trade carries a fee under clause 4.3.10

Clause 4.3.10 makes you pay ABB-İnvest's service fees and execution costs when you dispute a transaction. Clause 5.3.1 drops its liability for the app you open the account and trade through. Clause 20.9 treats a message sent to an old number as delivered to you.

Complaint costs1 clause flagged

If you challenge a transaction on your account, clause 4.3.10 makes you pay ABB-İnvest's service fees and the execution costs connected with that challenge.

Why this matters

The cheapest thing you can do with a bad fill is accept it. Clause 5.3.1 also drops liability for the app you open the account and trade through, which ABB-İnvest says is not its own channel.

Exhibit 12WarningRarely seen

İnvestisiya hesabı üzrə sənədləri özündə saxlamaq və sifariş əsasında hər hansı bir əməliyyatı mübahisələndirdiyi halda müvafiq əməliyyata dair sənədləri İnvestisiya Şirkətinə təqdim etmək və əməliyyatın mübahisələndirilməsi ilə bağlı İnvestisiya Şirkətinin xidmət haqqlarını və sifarişin icrası ilə bağlı xərcləri ödəmək;
Clause 4.3.10 in Fiziki şəxslərə investisiya xidmətlərinin göstərilməsinə dair Standart Şərtlər (fiziki şəxslər üçün), p.15
Read from the broker's site on Open the reference

Our readingCharging the client for the cost of raising a dispute is not an ordinary term. It puts a price on the one step a client takes when a trade goes wrong.

One working day to produce documents, ten years of data consent

Clause 4.3.4 gives you 1 working day to supply documents ABB-İnvest asks for. Clause 16.3 runs your data consent for 10 years from signing, allows transfer across borders to partner firms, and lets you end it early only by mutual agreement. Recorded calls are kept with no time limit.

Documents and data1 clause flagged

ABB-İnvest can ask you for documents and give you 1 working day to produce them, under clause 4.3.4. Your consent to share and process your data runs for 10 years from signing.

Why this matters

You cannot withdraw that consent early on your own. Clause 16.3 needs mutual agreement after the contract ends, and it already allows your data to cross borders to partner firms.

Exhibit 13WarningHarder than usual1 working days

Bu Standart Şərtlərin müvafiq bənd və yarımbəndlərində qeyd edilmiş sənədləri və məlumatları İnvestisiya Şirkətinin tələb etdiyi gündən etibarən 1 (bir) iş günü müddətində İnvestisiya Şirkətinə təqdim etmək;
Clause 4.3.4 in Fiziki şəxslərə investisiya xidmətlərinin göstərilməsinə dair Standart Şərtlər (fiziki şəxslər üçün), p.14
Read from the broker's site on Open the reference
Set against a regulated standard: ESMA (EU), FCA (UK)

Firms under ESMA and FCA rules keep call recordings for a set retention period rather than for ever. ABB-İnvest's trading conditions page says recorded calls are kept in its systems with no time limit.

ABB Invest is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

The price you trade on is the price ABB-İnvest determines

Clause 1.37 defines the current price as the one ABB-İnvest sets for its contracts for difference. Clause 9.8 says it forms those prices from components that include its own clients' orders, and no outside benchmark appears in the contract. Clause 9.45 lets it add or remove a gain caused by a platform fault.

Price formation1 clause flagged

The price you trade on is the one ABB-İnvest determines, under clause 1.37. Clause 9.8 says it forms those prices from components that include its own clients' orders.

Why this matters

No outside benchmark is named anywhere in the contract. The platform also shows only the price for the smallest possible size, so a bigger order can fill at a price you never saw.

Exhibit 11WarningHarder than usual

Cari qiymət – İnvestisiya Şirkətinin fərq müqavilələri üzrə müəyyən etdiyi qiymət;
Clause 1.37 in Fiziki şəxslərə investisiya xidmətlərinin göstərilməsinə dair Standart Şərtlər (fiziki şəxslər üçün), p.6
Read from the broker's site on Open the reference
Our own capture of abbinvest.az, taken on Oct 17, 2026The claim, on Trading conditions page, information on the trading organisation modelVisit this page on the broker's siteDownload the full size image file
Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA or CySEC publish a conflicts of interest policy and an order execution policy covering every product they sell. ABB-İnvest publishes execution rules for securities only, and none for its margin product.

ABB Invest is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

Three months without a trade is enough to close your account

Clause 19.4.1 lets ABB-İnvest end the contract after three months with no activity on your investment account. Clause 19.6 treats your signature as an order to sell whatever is left that is not cash. Money you do not collect moves to an internal account for closed client accounts.

Dormant accounts1 clause flagged

ABB-İnvest can end the contract and close your investment account if you have not traded for three months, under clause 19.4.1. Your signature counts as an order to sell whatever is left that is not cash.

Why this matters

A holding you meant to keep for years can be sold because you stopped trading for a quarter. Clause 19.6 then moves the cash to an internal account for closed accounts if you do not collect it.

Exhibit 10WarningHarder than usual

Müştəri İnvestisiya Hesabı üzrə azı 3 (üç) ay ərzində əməliyyat aparmadığı təqdirdə;
Clause 19.4.1 in Fiziki şəxslərə investisiya xidmətlərinin göstərilməsinə dair Standart Şərtlər (fiziki şəxslər üçün), p.60
Read from the broker's site on Open the reference

What happens, and when

The stages this clause runs through, taken from the broker's own document
TriggerWhat the broker may then doClause
Three months with no activityABB-İnvest can end the contract and close the investment account.19.4.1
On closureAnything that is not cash is sold on the market, and your signature counts as the sell order.19.6
After your written requestThe remaining cash is transferred to your bank account.19.7
If you do not collect itThe money moves to an internal account for closed client accounts and you are told.19.6

ABB-İnvest İnvestisiya Şirkəti QSC, licensed in Baku, founded by ABB Bank

Licence İŞ-05, issued by the Central Bank of Azerbaijan on 18 September 2020, sits in the first paragraph of the Standard Terms. The counterparty is the investment company, not the bank that founded it. The signed Contract that overrides these terms under clause 20.3 is not published.

In plain words

On a principal basis, as your counterparty, means the broker takes the other side of your trade itself. Your loss is then the firm’s gain, so it has an interest in how your trade ends.

Who you sign with2 clauses flagged

Where the signed Contract and these Standard Terms differ, clause 20.3 says the Contract wins. ABB-İnvest publishes the Standard Terms. You see the Contract in an ABB Bank branch.

Why this matters

You can read 65 pages and still not see the document that decides. Ask for the Contract text before you sign, and read clause 20.3 beside it.

Exhibit 18WarningHarder than usual

Bu Standart Şərtlər çərçivəsində imzalanan müvafiq Müqavilələrin müddəaları ilə Standart Şərtlər arasında uyğunsuzluq yarandıqda müvafiq Müqavilələrin şərtləri əsas götürülür.
Clause 20.3 in Fiziki şəxslərə investisiya xidmətlərinin göstərilməsinə dair Standart Şərtlər (fiziki şəxslər üçün), p.63
Read from the broker's site on Open the reference

Your contract is with ABB-İnvest İnvestisiya Şirkəti QSC, a Baku investment company. Its first paragraph names licence İŞ-05, issued by the Central Bank of Azerbaijan on 18 September 2020.

Why this matters

The company is not the bank: clause 1.3 names Azərbaycan Beynəlxalq Bankı ASC as its founder. The risk notice on the website names no regulator, while the version inside the contract names the Central Bank and cbar.az.

Exhibit 17NoticeStandard wording

Azərbaycan Respublikasının Mərkəzi Bankı tərəfindən investisiya fəaliyyətinin həyata keçirilməsi üzrə verilmiş İŞ-05 nömrəli, 18 sentyabr 2020-ci il tarixli lisenziya əsasında fəaliyyət göstərən “ABB-İnvest İnvestisiya Şirkəti” QSC
Quoted in Fiziki şəxslərə investisiya xidmətlərinin göstərilməsinə dair Standart Şərtlər (fiziki şəxslər üçün), p.2
Read from the broker's site on Open the reference

Where it sits: section 5 of 24 in the Fiziki şəxslərə investisiya xidmətlərinin göstərilməsinə dair Standart Şərtlər (fiziki şəxslər üçün), near the start.

Where the marketing and the contract disagree

A promise made in public, set against the clause that governs it

01

The same payout request takes 5 working days in the contract and 14 working days on the trading conditions page.

Said in public, in AZ

Müştəri aktivlərinin geri qaytarılması ilə bağlı tələbini Investisiya şirkəti növbəti 14 (on dörd) iş günü ərzində həyata keçirir.

Word for word in English: The investment company carries out the client's request for the return of client assets within the next 14 (fourteen) working days.

Trading conditions page, section on fees, costs and settlement

In the contract · clause 9.57

Müştərinin aktivlərinin geri qaytarılması ilə bağlı tələbini İnvestisiya şirkəti növbəti 5 (beş) iş günü ərzində həyata keçirir;

02

The page says forex carries no commission, while the contract charges a swap and a rollover and calls them transaction costs instead.

Said in public, in AZ

Foreks əməliyyatlarında komissiya haqqı yoxdur.

Word for word in English: There is no commission fee on forex operations.

Account types page, questions and answers on the spread

In the contract · clause 9.50

İnvestisiya Şirkətinin tətbiq etdiyi alış və satış qiymətləri arasındakı fərq, əməliyyat mövqeynin növbəti günə keçirilməsi ilə bağlı svop xərci, baza aktivinin dəyişməsi ilə bağlı qiymət fərqinin hesaba tətbiqi və s. bu Standart Şərtlərdə göstərilməyən xərclər, xidmət haqqı deyildir və əməliyyat xərci hesab olunur.

03

The page promises 15 calendar days of notice before a fee changes, and the contract sets no notice period and tells you to keep checking the website.

Said in public, in AZ

İnvestisiya şirkəti tərəfindən xidmət haqları tətbiq edildikdə və ya dəyişdirildikdə belə dəyişiklik barədə məlumat bu cür dəyişikliyin tətbiqinə ən azı 15 (on beş) təqvim günü qalmış müştərilərə bildirilir.

Word for word in English: Where service fees are introduced or changed by the investment company, information about such a change is notified to clients at least 15 (fifteen) calendar days before it takes effect.

Trading conditions page, section on fees, costs and settlement

In the contract · clause 4.3.3

Müştəri investisiya Şirkətinin rəsmi internet səhifəsində yerləşdirilən xidmət haqları ilə mütəmadi olaraq tanış olmalıdır.

04

The page says the status follows a written application you choose to make, and the contract treats your signature as that application.

Said in public, in AZ

Peşakar investor statusu müştərinin yazılı müraciəti əsasında investisiya şirkəti tərəfindən verilir.

Word for word in English: Professional investor status is granted by the investment company on the basis of the client's written application.

Trading conditions page, footnote to the requirements before real trading

In the contract · clause 9.59

Müştəri bu Standart şərtlərlə tanış olmaqla və müvafiq Müqaviləni imzalamaqla peşəkar investor statusunun verilməsi barədə yazılı müraciət (ərizə) etmiş hesab edilir.

05

The page says every order is passed to liquidity providers, while the contract never names one and defines your price as the one ABB-İnvest sets.

Said in public, in AZ

“ABB-İnvest İnvestisiya Şirkəti” QSC fərq müqavilələri ilə marja ticarəti xidməti üzrə bütün müştəri sifarişlərini müqaviləsi olduğu likvidlik təminatçılarına ötürməklə (A modeli) həyata keçirir

Word for word in English: ABB-İnvest İnvestisiya Şirkəti QSC carries out all client orders in margin trading with contracts for difference by transmitting them to the liquidity providers with which it has a contract (model A).

Trading conditions page, information on the trading organisation model

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of abbinvest.az

In the contract · clause 1.37

Cari qiymət – İnvestisiya Şirkətinin fərq müqavilələri üzrə müəyyən etdiyi qiymət;

What changed quietly

No previous review of ABB-İnvest exists to compare against.

  • REWRITTENClause Qeyd 9 · 21.10.2025 to 04.11.2025

    Bonds bought in the app now carry the 0.05% yearly custody fee that the exemption used to cover.

    9 – ABŞ bazarında mobil tətbiq vasitəsi ilə alınmış qiymətli kağızlar (istiqrazlar istisna olmaqla) xaric;

  • REWRITTENClause Depo hesabının açılması · 01.09.2025 to 21.10.2025

    Opening a depo account on a paper order went from 20 AZN to 100 AZN.

    Depo hesabının açılması – kağız sifariş üzrə 100 AZN

  • ADDEDClause ABŞ bazarında istiqrazlar · 01.09.2025 to 21.10.2025

    A 0.2% commission on US bonds, with a $20 minimum, arrived in the 21.10.2025 schedule.

    ABŞ bazarında istiqrazlar- elektron4 sifarişlər Əqdin həcmindən 0,2% (min. 20 ABŞ dolları)

  • REWRITTENClause Səhmlər üzrə – fond birjasında elektron sifarişlər · earlier 2025 schedule to 01.09.2025

    The floor on an electronic exchange order rose from 0.01 AZN to 0.50 AZN.

    elektron sifarişlər Əqdin həcmindən 0,05% (min. 0,50 AZN)

The documents this reading is based on

9 files, all published by ABB Invest. Each shows when we read it and a fingerprint of its wording.

WIKILIX keeps the copy of each file it read, and does not republish it: what is published is the fingerprint of its wording. Download the file yourself and hash its text, lowercased with runs of whitespace collapsed, and a matching fingerprint means the wording quoted above is still the wording ABB Invest publishes.

How this reading was done

Every clause above was read out of a document ABB Invest publishes itself

This reading was published on .

Documents
6 of 9downloaded from the broker's site, and 6 read in full
Pages opened
22pages walked to find those documents, footer links included
Older copies
4earlier versions downloaded
Position measured
2clauses whose position was counted: which numbered section of the document holds them, out of how many

Who the contract is with

ABB-İnvest İnvestisiya Şirkəti QSC

You contract with ABB-İnvest İnvestisiya Şirkəti QSC, a closed joint stock company in Baku. Its first paragraph names licence İŞ-05, issued by the Central Bank of Azerbaijan on 18 September 2020. It is not the bank: clause 1.3 names Azərbaycan Beynəlxalq Bankı ASC as its founder, and clause 4.2.6 calls that same company ABB ASC. You open a real FX account by signing in an ABB Bank branch, and clause 5.3.1 says the ABB mobile app you then trade through does not belong to the investment company, which accepts no liability for it.

Quotations are copied verbatim from the documents named above, with the clause number and the page each one came from. Where a clause is quoted in another language, the original is shown first and the English is a translation.

The plain-language parts, what a clause means for a client, how ordinary it is, and how it reads against a regulated standard, are WIKILIX's analysis and are labelled as such on every card. This is a reading of public documents, not legal advice and not an allegation of wrongdoing.

In fairness, and what we could not check

A reader who knows the edges of the work can trust the middle of it

Clause 9.38 says ABB-İnvest will not chase you for a loss bigger than the money you put in. Disputes go to Azerbaijani courts under clause 12.3, which is the client's own forum. The contract sets no deadline for complaining, and clause 20.12 prints a named complaints coordinator plus the Central Bank's hotline. There is no bonus scheme anywhere in the document set, so there is no bonus lock either. Clause 9.6.2 requires 30 demo trades over at least 5 working days before you trade for real. ABB-İnvest also publishes the share of its FX clients who made and lost money each quarter, and for the second quarter of 2026 that split was half and half by client count.

ABB-İnvest keeps its legal shelf at abbinvest.az/az/huquqi_senedler. This review covers three documents there in full: the 65 page Standard Terms of 19 May 2025, the tariff schedule in force from 04.11.2025, and the rules on accepting and executing orders. We also read its trading conditions pages, where several terms appear that are in no document. The signed copies of the Standard Terms and the tariff schedule are digital signature containers, so the review uses the identical in force versions published beside them. The licence file on the licences page is an image with no readable text, so the licence number here comes from the contract's own first paragraph. For the three earlier tariff schedules, the review compares the changed lines rather than each full schedule. ABB-İnvest publishes no privacy policy, no conflict of interest policy and no complaints procedure as separate documents. The English and Russian routes on the site serve the same Azerbaijani pages, so there was no second language version of the marketing to compare. We never saw the signed Contract itself, which clause 20.3 says beats the Standard Terms wherever the two differ.

How to check any of this yourself

Every quote above links to the ABB Invest file it came from. This is what to do with it.

Open the three stepsFind the words in the source, work out the fingerprint, and read what a difference does and does not prove.

Open the source and search for the words

Every quote has a link under it. Open the file, or the web page, and search it for the words we quote. The clause number next to the quote tells you where to look.

If the words are not there any more, the source may have changed after we read it. That is worth knowing too. We keep the date we read it, and a code worked out from its wording, so the quote stays checkable.

What a fingerprint is

A fingerprint is a code worked out from what a source says. Change one word and the code changes completely. We keep two codes for every file we read, and the panel on each source shows both.

The first is the code of the exact file we downloaded. The second is the code of its wording alone, with capital letters lowered and runs of spaces collapsed. When the same words are saved as a new file, the first code changes and the second one stays the same.

Only the first code can be worked out on your own computer. Save the file, then run one of these, putting the name of the file you saved where the example is. The panel on each source prints the command with that source's real file name already in it.

macOS or Linux:
  shasum -a 256 the-file-you-saved.pdf

Windows:
  certutil -hashfile the-file-you-saved.pdf SHA256

The two codes are different from each other, and they are not meant to match. Comparing one against the other proves nothing.

What a difference means, and what it does not

A different file code on its own proves nothing. A PDF saved again with a new date inside it is a new file saying exactly the same thing.

A different wording code means the words themselves changed. That is the one that matters, and it is why we keep it.

Even then, a change is not proof of bad faith. Companies update their documents. What this report says is what the document said on the day we read it, and every quote carries that date.

A source that is a web page and not a file has no file to save, so only the code of its wording is shown.

How this report is made

Every clause quoted above comes from a document ABB Invest publishes on its own website, downloaded and hashed on the date shown, with the clause number and page recorded so any reader can check it. We do not allege anything the documents do not say, and we do not judge ABB Invest on anything other than its own published terms and its own public marketing. Where a clause has a qualifier that softens it, the report says so. Last read Oct 17, 2026.

If you represent ABB Invest and a clause has changed, been withdrawn, or is being read out of context, tell us and we will re-read the documents and update this page. Corrections from the broker are welcome and are published with the reading they change. Contact us.

This is a reading of a contract, not legal advice and not a ruling on ABB Invest. Whether its licence is real and current is a separate check on the broker profile.

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