Check the exact XAU/USD symbol and charging schedule.
General informationSources and dates included
Gold terms can differ from forex
An account advertised as swap-free may exclude some metals or charge administration fees after a grace period. Ask whether the fee is per lot, per ounce or per position and whether long and short trades differ.
Turn terms into a dated schedule
Record the opening day, time zone, grace rule, chargeable dates and any retrospective fee. Use ounces per lot from the contract specification. Our simplified calculator assumes fees start after the grace period; it cannot represent every schedule.
Separate cost from certification
A lower holding fee does not establish Sharia compliance. Equiti advertises metals in a Mini swap-free offer, but the current eligibility, complete terms and certificate scope require their own checks.
Calculate gold admin fees using the contract’s units
Ask whether the fee is quoted per lot, per ounce or per position, and whether the grace period uses calendar days or chargeable nights. A fee copied from EUR/USD may use a different unit or exemption.
Hypothetical gold schedule: USD 10 per lot per charged night, 0.02 lots, five nights and two free nights. With no retroactive charge, the cost is USD 0.60. If all five nights become chargeable retrospectively, it is USD 1.00. This example is only fee arithmetic; it makes no Sharia-compliance claim and excludes spread and commission.
