CFI

CFI Broker Overview

CFI is a multi-asset broker group that dates itself to 1998, when it says Credit Financier Invest began as a private banking department. Its website, cfi.trade, has regional sections chosen by the visitor's location. The European section is operated by Credit Financier Invest (CFI) Ltd of Larnaca, Cyprus, which holds Cyprus Investment Firm licence 179/12 from the Cyprus Securities and Exchange Commission (CySEC). It offers two accounts, Zero Commission and Dynamic Trader; CFDs on forex, shares, ETFs, indices, metals, energies, cryptocurrencies and bonds; real U.S. shares and ETFs; and the MetaTrader 5, TradingView and CFI Trader Evolution platforms. The terms described here are those of the European section.

CFI Regulation and License

Each licence below belongs to a different CFI group company, and WIKILIX confirmed each one on the regulator's own register on 2 November 2026. Which one applies to a client depends on the company named in that client's agreement.

• Credit Financier Invest (CFI) Ltd, Cyprus: CySEC, Cyprus Investment Firm licence 179/12, effective 25 September 2012.
• Credit Financier Invest Limited, United Kingdom: Financial Conduct Authority (FCA), firm reference number 828955, authorised since 14 October 2019.
• CFI Financial Markets L.L.C, United Arab Emirates: listed as active by the UAE Capital Market Authority for brokerage in OTC derivatives, spot currencies and international markets. The register prints no licence number; 20200000154 is the number CFI gives.
• CFI Financial (Pty) Ltd, South Africa: authorised financial services provider 53711 with the Financial Sector Conduct Authority (FSCA). CFI's site calls it Credit Financier Invest Financial (PTY) Ltd.
• Credit Financial Investment for Financial Brokerage, Jordan: listed by the Jordan Securities Commission as licensed to deal in foreign exchanges, as a financial broker for others and as a financial adviser.
• CFI Financial Investment Company CJSC, Azerbaijan: investment company licence ISNL/L-7/2016 from the Central Bank of the Republic of Azerbaijan, covering derivatives and securities trading, effective 6 January 2016.
• Credit Financial Invest for Financial Brokerage, Palestine: securities licence PCMA/CFI/562776930 from the Palestine Capital Market Authority.
• Credit Financier Invest S.A.L., Lebanon: number 40 on Banque du Liban's list of finance companies, a central bank institution licence rather than a brokerage permission.
• Credit Financier Invest International Limited, Seychelles: listed by the Financial Services Authority (FSA) as a securities dealer. The list prints no number; SD107 is the number CFI gives.
• Credit Financier Invest (International) Limited, Vanuatu: financial dealers licence, classes A, B and C, from the Vanuatu Financial Services Commission (VFSC) under company number 700479, effective 30 December 2022.
• CFI International Ltd, Mauritius: investment dealer licence from the Financial Services Commission (FSC), company number C161178, effective 20 December 2018.

CFI also states that group companies are regulated in Bahrain, Egypt and Colombia.

Is CFI Regulated?

Yes. CFI's operating companies are licensed in their own countries, led by CySEC for the European section and the FCA for the UK company. The protection a client gets depends on the company named in their agreement: eligible retail clients of the Cyprus company are covered by the Investor Compensation Fund and eligible clients of the UK company by the Financial Services Compensation Scheme up to £85,000, while the South African, UAE, Lebanese, Seychelles, Vanuatu and Mauritius companies come with no compensation scheme, and the last three operate under lighter offshore supervision.

Credit Financier Invest (CFI) Ltd

Credit Financier Invest (CFI) Ltd is the Cyprus company that operates CFI's European section and the contracting party in its terms, policies and risk disclosure. The Cyprus Department of Registrar of Companies and Intellectual Property listed it under number HE 303814 when WIKILIX checked on 2 November 2026, with an incorporation date of 28 March 2012 and its registered office at 2 Giannou Kranidioti Street, Larnaca. According to the 2024 disclosure report on CFI's site, its parent undertaking is HM Global Holdings Limited, a Cyprus holding company that also holds 85% of the group holding company, CFI Financial Group Holding Ltd. The Cyprus company does not take clients from the United States, Sudan, Syria or the Republic of Korea, and its website terms also exclude UK residents; CFI's site has a separate UK section.

CFI License 179/12

CySEC licence 179/12 belongs to Credit Financier Invest (CFI) Ltd and was active on CySEC's register when checked on 2 November 2026. It covers the reception of orders, their execution and dealing on own account, passported across the European Economic Area. Retail clients of the Cyprus company get the EU retail rules, including leverage limits, negative balance protection and segregated client money, and the Investor Compensation Fund pays eligible retail claims up to 90% of the covered claims or €20,000, whichever is lower, and never trading losses.

Is CFI Safe?

CFI's European section is run by a company whose CySEC licence and company registration were both confirmed, but trading its CFDs is high risk and its contract gives the company wide discretion. CFI says it keeps client money in segregated accounts and its risk disclosure says losses will never exceed the account balance, while its own risk warning states that 76.5% of retail investor accounts lose money when trading CFDs with Credit Financier Invest (CFI) Ltd. The company is a market maker: its risk disclosure says it sets spreads at its absolute discretion, and its Terms and Conditions (October 2026, clause 5.3) make it the sole counterparty to every client trade. The same documents let it:

• close positions and cancel profits or losses linked to practices it lists, including scalping (Order Execution Policy, July 2026, clause 5.4), and keep any profit that arises from its own error (clause 10.2);
• hedge a retail client's open positions automatically at a 50% margin level instead of closing them (clause 5.10);
• limit its liability to the money a client deposited (clause 18.1), and pass on to clients losses from hacking, malware and operational glitches that affect its hedging of cryptocurrency CFDs (risk disclosure);
• hold a client's funds until expired identity or address documents are renewed (clauses 15.12 and 28.3.10).

A client who disputes a trade has at most 2 working days to ask for it to be audited or clarified (clause 6.4).

CFI Account Types

Both live accounts take USD or EUR as base currency, start at 0.01 lots and permit expert advisors:

• Zero Commission: no commission, with costs built into the spread. CFI aims it at longer-term traders who place fewer trades.
• Dynamic Trader: spreads from 0.0 pips on EUR/USD in exchange for a commission per trade, aimed at frequent traders. CFI's FAQ also suggests it for scalpers, although its order execution policy lists scalping among the practices whose profits it may cancel.

Both account pages list the minimum deposit as 'None' and CFI's deposits page says none is required, but its Terms and Conditions (clause 15.6) set a minimum deposit of $100 for a USD account and EUR 100 for a EUR account. The account pages list swap-free trading as not available, with a footnote that a swap-free policy might apply, and CFI's FAQ says swap-free accounts may be offered on request. Demo, joint and corporate accounts and sub-accounts are also available.

CFI Spreads, Commissions and Fees

CFI gives three figures for the Zero Commission account's EUR/USD spread: 0.6 to 1.5 pips on its account page, a target as low as 0.4 pips on its Fee & Charges page and 1.6 in its Costs and Charges document of October 2026. The Dynamic Trader account pages describe the commission as low without stating an amount. Stock and ETF CFDs carry no commission, and real U.S. shares and ETFs cost $0.005 per share with a minimum of $1 per trade, or $0.01 per share in extended hours. CFI's share, option and bond trading terms add two charges:

• an inactive account fee of $100, charged in December when an account had no transaction from January to November, never more than the account balance and not charged while another of the client's accounts is active (clause 15);
• after the first 12 months, a monthly activity fee of $10 minus the commissions generated, charged when a share account's monthly commissions are below $10 (Appendix I).

The Terms and Conditions (clause 6.1) also allow carry costs, at no stated rate, on open positions in accounts CFI judges not active enough, and CFI says its fees can change daily without prior notice.

CFI Leverage

Retail clients of the Cyprus company can use up to 30:1 on major currency pairs, 20:1 on non-major pairs, gold and major indices, 10:1 on other commodities and non-major indices, 5:1 on individual shares and 2:1 on cryptocurrencies. The 'up to 1:500' on the account pages is only for elective professional clients. CFI's Terms and Conditions (clause 5.6(b)) let it change an account's leverage without prior notice, and on Fridays and holidays clients must keep a 100% margin level.

CFI Trading Platforms

CFI offers MetaTrader 5 for Windows, Mac, Android and iPhone, with expert advisors supported. Clients can connect their account to TradingView free of charge through CFI's broker page there, and CFI Trader Evolution, CFI's own platform for U.S. shares listed on New York exchanges, runs in the browser and as the CFI Multi-Asset app. The account pages list all three platforms for both CFD accounts, while the platform pages tie TradingView and Trader Evolution to U.S. stocks and ETFs.

CFI Deposits and Withdrawals

The European section accepts Visa and Mastercard (processed by SafeCharge), bank wire and Skrill, in EUR or USD:

• Cards: instant deposits with a 4% fee and a maximum of $10,000 per week. Withdrawals go back to the card up to the amount deposited, and refunds typically take 1 to 7 business days.
• Bank wire: CFI says it charges no deposit fee, although banks may; withdrawals cost €25 or $25. The deposits page gives 2 to 5 days for wire deposits, while CFI's FAQ says bank transfers take up to two working days.
• Skrill: a 4% fee on deposits and on withdrawals, with deposits processed within an hour except at weekends.

Profits are paid out by bank transfer and third-party payments are not accepted. CFI's payments team aims to process a withdrawal request within 30 minutes during working hours, while the Terms and Conditions commit only to processing it the same or the next working day (clause 15.9) and say a money transfer requires five banking days (clause 15.3); the money then takes the payment channel's own time. There is no minimum withdrawal, but CFI warns that amounts under $25 may not arrive because of correspondent-bank fees. CFI's FAQ says it charges no fees on most deposit methods, while its deposits page lists the 4% card and Skrill fees.

CFI Support

The European section offers phone support on +357 24 400270, email at cyprus@cfi.trade, live chat, a ticket form and call-back requests. Its contact page promises 24/7 support, while its FAQ says support is available 24 hours a day, six days a week. Complaints go in writing to compliance.cy@cfi.trade, are acknowledged within 5 working days and answered within two months, and can then be taken to the Financial Ombudsman or CySEC.

CFI Pros and Cons

In CFI's favour:

• Licences confirmed on the registers of CySEC, the FCA and other regulators for its operating companies.
• A choice between commission-free and commission-based pricing.
• MetaTrader 5 and TradingView, plus a platform for real U.S. shares.
• Negative balance protection and segregated client money for European clients.

Against it:

• 4% fees on card and Skrill deposits, and €25 or $25 on wire withdrawals.
• Contract terms that let CFI cancel profits on some trades, hedge positions at a margin call and cap its liability.
• Figures that differ between CFI's pages and its documents on the minimum deposit, spreads, withdrawal times and support hours.
• Terms and protections depend on the group company, and some group companies are offshore.

CFI Review and Assessment

CFI is a broker group that dates itself to 1998 and serves European clients through Credit Financier Invest (CFI) Ltd, a Cyprus company with a CySEC licence. Its offer is simple: two accounts, MetaTrader 5 and TradingView, and access to real U.S. shares. The main drawbacks are funding costs, the discretion its contract gives the company and figures that differ between its pages and its documents, so before funding an account a client should confirm which group company their agreement names and read that company's Terms and Conditions and Costs and Charges document.