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CFI review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

CFI serves active traders who want one account spanning shares, forex, cfds and crypto without a commission on each deal. Fees stay light at the point of entry, and a Cyprus Securities and Exchange Commission licence backs a minimum deposit of $0. The catch is the retail loss warning: 66%.

Key facts

Best for
Traders who want one commission-free account across forex, cfds, shares and crypto.
Minimum deposit
$0↗
Markets
Stocks, ETFs, Forex, CFDs, Crypto↗
Regulators
Cyprus Securities and Exchange Commission, FCA↗
Investor protection
EU ICS up to EUR 20,000↗
Retail accounts that lose money
66%↗
Deposit and withdrawal fees
No deposit fees↗
Platforms
MT5, TradingView, CFI Multi-Asset, CFI Trading App↗
Legal entity
Credit Financier Invest (CFI) Ltd↗
Founded
1998↗
Features
Demo account, Mobile app
Pricing model
Commission-free
Official website
cfifinancial.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipedia

Pros and cons

Pros

  • A minimum deposit of $0 means the account opens without a funding hurdle, and funding carries No deposit fees
  • Commission-free pricing, commission free, so the cost sits in the spread rather than in a per-deal charge
  • One account covers stocks, etfs and forex, which removes the need to hold several broker relationships
  • Regulated in Cyprus by the Cyprus Securities and Exchange Commission under licence 179/12, and also listed with the FCA
  • A demo account is offered, demo account and mobile app, so a trader can test the order ticket before risking money

Cons

  • CFDs carry leverage, and 66% of retail accounts at CFI lose money
  • CFI's market list, stocks, etfs and forex, stops short of futures, where eToro, stocks, etfs and forex, offers that class
  • Deposit and withdrawal charges are listed as No deposit fees, so moving money in and out still needs checking on the rates sheet
  • A Cyprus Securities and Exchange Commission licence, 179/12, points to a Cyprus entity, while Credit Financier Invest (CFI) Ltd names the contracting company
CFI

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Scored 9.5 / 10 by SumCue.

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Who it suits

  • Active forex and cfds traders who prefer spread-based pricing over a per-deal commission
  • Traders who want shares, etfs, forex, cfds and crypto, stocks, etfs and forex, in one account
  • Anyone starting small, since the minimum deposit is $0

Who should look elsewhere

  • Long term investors who want a pension wrapper or ready made portfolio, since CFI offers a dealing account rather than a savings product
  • Traders who need futures and want a single venue for every asset class, where eToro, stocks, etfs and forex, covers more
  • Anyone who wants to hold a euro balance rather than trade, since bunq, €10 minimum deposit, is built for everyday current accounts

Safety of your money

CFI reports to the Cyprus Securities and Exchange Commission, licence 179/12, and also appears on the register of the FCA, both named in Cyprus Securities and Exchange Commission and FCA. Money held with the Cyprus entity sits inside the EU investor compensation scheme, EU ICS up to EUR 20,000. The regulator set matters more than the size of any deposit here, because a broker that fails still owes you compensation, while one outside a scheme does not. Two named regulators means two places to raise a complaint, and both are recognised across Europe rather than in a single market. The warning that sits underneath all of this is 66%. That figure is the share of retail accounts that lose money on this platform, and leveraged products such as cfds sit at the heart of that risk. Licence and scheme keep the money safe, but neither makes a losing position whole.

Getting started

The minimum deposit is $0, so the account opens without a funding floor, which suits a trader testing size. Funding itself carries No deposit fees, so the money side of the account is described as having no deposit fees, and the same line covers withdrawals. For a finance reader the two numbers to hold onto are the entry floor and the cost of moving cash, and both sit low here. What you get on opening is a dealing account across stocks, etfs and forex, with a demo account listed among demo account and mobile app. The demo matters for a first trade: it lets a new client learn the ticket without funding the account, which is the practical reason the deposit can safely start small.

Markets and platforms

The asset list is stocks, etfs and forex, which puts shares, etfs, forex, cfds and crypto under one roof. That is a genuine multi asset account rather than a single product wrapper, and it means margin and pricing sit in the same place. Platforms listed are MT5, TradingView and CFI Multi Asset, so a client can work in a charting tool, the proprietary multi asset terminal, the mobile app or a MetaTrader style desktop platform. A demo account and a mobile app are both listed among demo account and mobile app, which is useful for testing and for trading away from a desk.

Who runs it

The contracting company is Credit Financier Invest (CFI) Ltd, and the group dates its founding to 1998, which is a long operating record for a retail broker. The Cyprus Securities and Exchange Commission licence, 179/12, is the identifier to check first, because a licence number can be verified against the regulator's own register before any money moves. The same entity also appears on the FCA register, so a reader trading in the UK has a second route for checking the firm's status rather than relying on the Cyprus paperwork alone.

How CFI compares

Where CFI is available

Available
Everywhere except United States
Licence in Cyprus
Cyprus Securities and Exchange Commission (179/12), checked September 26, 2026
Licence in United Kingdom
FCA, checked September 26, 2026

Frequently asked questions

How much do I need to deposit to open a CFI account?+

The minimum deposit is $0, so there is no funding floor to clear before trading. The account runs on commission-free pricing, commission free, so costs sit in the spread rather than in a per-deal charge. That makes the entry point small enough to test with a demo account first.

Who regulates CFI and where is my money protected?+

CFI is regulated by the Cyprus Securities and Exchange Commission under licence 179/12, and also appears on the FCA register. Balances held with the Cyprus entity sit within the EU investor compensation scheme, EU ICS up to EUR 20,000. Two regulators give a UK client two places to complain.

What markets can I trade on CFI?+

The account covers stocks, etfs and forex, so shares, etfs, forex, cfds and crypto all sit in one dealing account. That is a wider spread of instruments than a single market broker offers. Leveraged products carry more risk, and 66% of retail accounts lose money here.

Can I practise before I put money in?+

Yes, a demo account is listed among demo account and mobile app, alongside a mobile app. A demo lets you learn the order ticket and watch spreads without funding the account. Because the minimum deposit is $0, you can also start with a small live balance once you are ready.

What platforms and apps does CFI offer?+

Platforms listed are MT5, TradingView and CFI Multi Asset, covering a charting tool, a multi asset terminal, a mobile app and a desktop platform. A mobile app is named among demo account and mobile app, so the account is not tied to one screen. The multi asset terminal suits traders who move between forex, cfds and shares.

What are the fees for depositing and withdrawing?+

Deposit and withdrawal charges are listed as No deposit fees, so funding is described as having no deposit fees. Trading itself runs on commission-free pricing, commission free. Anyone moving larger sums should still read the rates sheet, since the listed line covers the cash side rather than spreads.

Who is CFI suited to?+

CFI fits active traders who want forex, cfds, shares and crypto in one commission-free account, and who can start at $0. It suits people who trade actively rather than buy and hold. The trade-off is that 66% of retail accounts lose money, so it does not suit anyone avoiding loss risk.

Can I use CFI in the UK?+

CFI appears on the register of the FCA, which is named in Cyprus Securities and Exchange Commission and FCA alongside the Cyprus Securities and Exchange Commission. The contracting company is Credit Financier Invest (CFI) Ltd. UK clients should check which entity their account is opened with before funding, because the protection scheme attached to the balance follows that entity.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Stock trade fee, Account fee, Inactivity fee.

CFI

CFI

Traders who want one commission-free account across forex, cfds, shares and crypto.

9.5/10See alternatives