Are Instant Funding accounts swap free?

Instant Funding does not publish a swap policy, a swap rate card or a swap free option anywhere on its own site or help centre, so this cannot be confirmed from an official source.

Which platforms can I use?

MetaTrader 5, cTrader and Match-Trader. Traders based in the United States can use Match-Trader only.

Instant Funding Trading Conditions

Q: Does Instant Funding charge commission?

It depends on the account variant. Commission free accounts have none. RAW spread accounts charge $5 per lot on currencies and metals, $2 per lot on commodities and indices and $1 per lot on crypto. The crypto programs charge 0.03% per side.

Leverage, commission and available assets on Instant Funding accounts. Leverage is set by program, and buying the news and weekend add-on lowers it rather than raising it.

Checked against Instant Funding on 29 July 2026

Add-ons

Instant Funding sells six checkout add-ons. None of their prices are published on the firm's own pages, because they appear only inside the client side checkout, so treat pricing as something to confirm at purchase.

Add 10% to profit splitRaises the split from 80% to 90%, effective immediately. Price not published.
Major news trading and weekend holdingPermits trading through high impact releases and holding over the weekend, at reduced leverage. Must be selected at the time of purchase and cannot be added later. Price not published.
Add 2% to max drawdownRaises maximum loss from 10% to 12%. 2 Step (Two-Phase) only. Price not published.
Lower profit target by 2%Reduces the target from 10% to 8%. 1 Step (One-Phase) only. Price not published.
Remove minimum trading daysRemoves the 3 day minimum on the challenge programs. Price not published.
Consistency relaxationRaises the best day cap on IF Micro from 15% to 20%. Price not published.
Higher leverageNot sold. The only leverage affecting add-on reduces leverage rather than raising it.
Swap freeNot published in any form.

What these conditions mean in practice

Standard leverage is 1:100 on currencies, 1:20 on commodities and indices and 1:2 on crypto. Swing accounts, meaning those carrying the news and weekend add-on, run 1:30 on currencies, 1:10 on commodities and indices, 1:8 on metals and 1:1 on crypto. Clarity products run 1:30 on currencies, 1:10 on commodities and indices, 1:5 on metals and 1:2 on crypto, although the IF Micro Clarity page states 1:20 on commodities and indices instead.

A live notice on the leverage page states that leverage on metals, oil and indices is temporarily set to 1:5 on funded accounts only.

Commission free accounts carry no commission. RAW spread accounts charge $5 per lot on currencies and metals, $2 per lot on commodities and indices and $1 per lot on crypto. The crypto programs instead charge 0.03% commission per side.

Instant Funding does not publish a swap rate card, a swap free account or a swap related add-on anywhere on its own site.

Reading the table

News and weekend permissions are sold rather than granted on several programs, and the add-on must be chosen at checkout because it cannot be added afterwards.
Maximum lot sizes are enforced per asset class and account size, with the Clarity products carrying no lot caps.
Platforms are MetaTrader 5, cTrader and Match-Trader. For traders based in the United States, Match-Trader is the only platform available.