Checked on: 2026-08-17 | Broker terms, regulation, and pricing can change. Always verify at the official PU Prime site before opening an account.

Affiliate Disclosure: HNL Growth may earn a commission if you open an account through our links, at no additional cost to you. Risk Warning: CFDs and leveraged forex products are complex instruments and carry a high risk of losing money rapidly due to leverage. 62.2% of retail investor accounts lose money when trading CFDs with this provider. Trading forex and CFDs may not be suitable for all investors. Consider your objectives, experience, and risk appetite before trading, and ensure you understand the risks involved. Broker Disclosure: PU Prime is a live, regulated multi-entity broker (not a simulated prop-firm evaluation) — trades are executed with real capital in live market conditions, subject to normal market risk. Which PU Prime entity holds your account depends on your country of residence and determines your leverage cap and protections.

Last verified: August 2026 | Editorial Team

PU Prime Swap Rates and Overnight Fees 2026

If you hold positions overnight, PU Prime charges a swap (rollover) fee on Standard, Prime, Cent and ECN accounts, calculated from the position size, the instrument's swap rate and the number of nights held. If you enable the Islamic (swap-free) option on any of those account types, that swap is replaced by an administrative fee instead — a charge PU Prime describes as designed to maintain Halal compliance by removing interest from the overnight cost structure. The real decision isn't "swap-free or not" in the abstract: it's whether the administrative fee works out cheaper than the swap would have for your typical holding period and instrument, and which account tier gives you the best spread-plus-commission trade-off while that fee applies.

This guide explains how both fee types are calculated, maps the four account tiers to trader profiles, and covers regulation, funding and setup so you can make that comparison with real numbers.

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Quick verdict: is a swap-free account worth it?

A swap-free account makes sense if you hold positions overnight or over weekends and either require Sharia-compliant conditions or want a more predictable daily charge in place of a rate that shifts with market conditions. It is less useful for pure intraday scalpers who close every position before the daily rollover cutoff, since neither swap nor administrative fees apply to same-day-closed positions — the Islamic flag adds nothing in that case.

Before committing, three checks matter most: the administrative fee currently shown for your instrument in MT4/MT5, the account tier's spread and commission cost, and which regulated entity actually services your country.

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Regulation and entity by jurisdiction

PU Prime operates under multiple regulatory licences, and the entity that applies to you depends on your country of residence. Per PU Prime's regulation page, the group holds authorisation from:

• Financial Services Authority of Seychelles (FSA)
• Financial Services Commission of Mauritius (FSC)
• Financial Sector Conduct Authority of South Africa (FSCA)
• Capital Market Authority of the UAE (CMA)

PU Prime's forex compounding calculator page also discloses regulation by "the FSA (Seychelles, SD050) and ASIC (410681)," referencing an Australian Securities and Investments Commission number alongside the Seychelles licence.

The table below summarises what each licence tier generally means in practice. Note that these are general characteristics of each regulatory framework — they do not represent PU Prime's own descriptions of these entities:

Regulator	General tier	What it typically means for retail clients
ASIC (Australia)	Tier 1	Stricter capital adequacy, conduct and disclosure requirements; compensation scheme considerations apply under the relevant ASIC-regulated entity
FSCA (South Africa)	Mid-tier	Local conduct oversight within South Africa; scope limited to the FSCA-regulated entity
FSC Mauritius	Offshore	Lighter-touch licensing regime relative to ASIC or FSCA
FSA Seychelles	Offshore	Common licensing base for internationally-oriented retail brokers; lower regulatory threshold than Tier 1 authorities
CMA (UAE)	Regional	Covers UAE-based clients under local capital markets rules

The entity that onboards you determines which rules, fund-handling standards and any compensation arrangements apply to your account. The regulation page also flags geographic restrictions — PU Prime does not accept clients from every jurisdiction. Confirm on that page which legal entity would service your account and what fund-segregation or investor-protection arrangements apply under that specific licence before depositing. The Seychelles and Mauritius frameworks do not carry the same statutory protections as ASIC or FSCA.

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How costs work: spreads, commissions and overnight fees

Standard swap fee: formula and worked example

Per PU Prime's help center, a swap fee applies to all products except futures and is driven by position size, the instrument's swap rate and trade direction (long or short). PU Prime applies a triple-swap on one day per week to account for weekend financing: Forex, gold and silver carry this on Wednesday; oil, indices, commodities, shares and ETF-C products carry it on Friday.

The calculation per PU Prime's help center guidance is:

Swap = Long/Short swap rate × Lots × Contract size × Digits × Holding nights

PU Prime's own example uses gold: one standard lot of XAUUSD (contract size 100 oz, digits 0.01) held one night at a swap rate of −4.85:

−4.85 × 1 × 100 × 0.01 × 1 = −4.85 (account currency)

Hold that position over a Wednesday — the triple-swap day for gold — and the overnight charge for that single session would be three times the nightly rate. Rates change daily and are instrument-specific; use this formula with the live rate shown in your MT4/MT5 terminal, not as a fixed figure.

Islamic administrative fee: how it differs and what to watch

On swap-free accounts, PU Prime's fee schedule states that Islamic accounts "incur an administrative fee instead of overnight interest, ensuring compliance with Halal principles," and that fees "vary based on liquidity providers." PU Prime does not publish a single flat administrative-fee rate across all instruments in its public fee documentation — the current figure is only reliably visible per-symbol inside MT4/MT5 or the PU Prime app.

That has two practical implications. First, there is no universal breakeven holding period you can calculate from a published table, because the admin fee is a live, provider-dependent figure. Second, the correct comparison is: open the symbol specification on a standard account and note the swap rate; check the same symbol on the Islamic-flagged version and note the administrative fee; then multiply each by your intended holding nights, counting any triple-charge day. A one- or two-night hold may differ only slightly between the two structures; a multi-week swing position will make the cumulative difference more material, so it is worth checking both figures before opening any multi-day trade rather than assuming swap-free is automatically cheaper.

A practical per-account-tier comparison framework

Because PU Prime does not publish fixed administrative-fee rates, any worked comparison using specific figures would be speculative. Instead, use this structure with the live rates from your platform:

Step	What to check	Where to find it
1	Live swap rate for your instrument (long or short)	MT4/MT5 symbol specification, Market Watch
2	Administrative fee for the same instrument on Islamic account	MT4/MT5 specification after enabling Islamic flag, or ask support
3	Number of nights held, including any triple-swap day	Your planned hold; Wednesday applies to FX/gold/silver, Friday to oil/indices/commodities/shares/ETFs
4	Total cost = fee per night × nights (swap formula above applies to both structures)	Calculate using the formula in the previous section
5	Add per-lot commission where applicable (Prime: $3.50/side; ECN: $1/side; Standard/Cent: $0)	Spread and costs page

Apply this to your typical position size (0.01, 0.1 or 1.0 lot) and hold duration before choosing an account tier.

On Sharia compliance: PU Prime describes the administrative-fee structure as designed to avoid charging interest. The publicly available fee documentation does not reference independent third-party Sharia board certification. If independent certification is a requirement for your purposes, confirm directly with PU Prime support before relying on the account for religious compliance.

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Account types compared

The Islamic account option applies as a setting on top of any of the four tiers rather than as a separate account type. Per PU Prime's account types page:

Account	Min. deposit	Spreads	Commission	Trader profile
Cent	$20	Same as Standard; from 1.3 pips (reference only)	$0	Testing swap-free conditions or strategies with minimal capital
Standard	$50	From 1.3 pips (reference only)	$0	Beginners and smaller balances; swap-free cost built into spread
Prime	$1,000	From 0.0 pips (reference only)	$3.50 per side/lot	Frequent traders wanting tighter raw spreads with commission structure
ECN	$10,000	From 0.0 pips (reference only)	$1.00 per side/lot	High-volume or professional-style traders with sufficient capital

"From" spread figures reflect best-case conditions during normal liquidity. Expect wider spreads during low-liquidity sessions or around major news events. Confirm live pricing in MT4/MT5 rather than relying on the marketing minimum. Commission figures for Prime and ECN are sourced from the account types page; verify current rates on PU Prime's spread and costs page before trading, as figures can occasionally differ across PU Prime's own pages.

Matching account tier to trader profile

Scalpers and intraday traders who close all positions before rollover gain nothing from the Islamic flag. Standard or Cent accounts avoid the $1,000–$10,000 minimums while still providing platform access and the full instrument range.

Swing traders holding positions for several nights will feel the overnight cost most directly. Prime's tighter spreads can offset the per-lot commission across multiple trades, but the $1,000 minimum is a material barrier. Standard at $50 is the accessible starting point; if swing-trade frequency and lot size justify the commission, Prime merits consideration.

Position traders with multi-week holds face the largest cumulative overnight cost. At that holding duration, the difference between the standard swap rate and the Islamic administrative fee — multiplied across weeks — becomes significant enough to warrant the per-symbol comparison described above before every trade entry. ECN's $10,000 minimum limits this tier to better-capitalised accounts.

New traders testing swap-free conditions can do so with the $20 Cent account, which uses the same execution as Standard but denominated in cents. This is a lower-barrier way to verify platform behaviour, administrative-fee display and deposit/withdrawal workflow before committing larger capital to Prime or ECN.

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Funding and withdrawal

Per PU Prime's fee page, PU Prime does not charge account opening, maintenance or standard deposit/withdrawal handling fees. Some methods — international wire transfer or certain e-wallets — may carry charges from the bank or provider. For international bank transfer withdrawals specifically, PU Prime reimburses bank charges on the first withdrawal each calendar month; additional transfers within that month incur a 20-unit handling fee in your account currency (or the USD equivalent for JPY and HKD accounts).

Accepted deposit methods include credit/debit cards, bank transfer, and e-wallets such as Skrill and Neteller. Per the account-opening guide, card and e-wallet deposits generally arrive faster than bank wires, which can take 1–3 business days according to PU Prime's stated policy. Actual processing times for your method and region may differ from stated policy — confirm current timelines with PU Prime support before your first withdrawal.

Availability of specific deposit methods may vary by region. If you are based in a market where certain payment rails are less common, check which methods are currently supported for your country before registering.

PU Prime also offers negative balance protection to retail and elective professional clients, meaning a negative account balance is restored to zero at no cost under that protection. The scope of this protection depends on your account tier, regulatory entity and applicable conditions — confirm eligibility for your specific entity before relying on it. PU Prime does not charge inactivity fees, though accounts dormant for 90 or more days may be archived. If your account is archived, contact PU Prime support to confirm the reactivation process and whether your balance is retained during the archived period.

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How to open a swap-free account

1. Register on the PU Prime account signup page with your name, email address, phone number and chosen platform (MT4 or MT5; if unsure, MT5 is newer and offers more features per PU Prime's own guide).
2. Select your account type (Standard, Prime, ECN or Cent) and enable the Islamic account option during setup, or contact support to apply it to an existing account.
3. Upload a valid government-issued ID (passport, national ID card or driving licence) and a proof-of-address document dated within the last three months (utility bill or bank statement).
4. Wait for KYC verification — PU Prime states this typically takes a few hours on business days, though up to 24–48 hours is possible.
5. Fund your account via card, bank transfer or e-wallet, meeting the minimum deposit for your chosen tier.
6. Log in via MT4/MT5 or the PU Prime app and check the administrative fee displayed for your target instrument in the symbol specification before opening any overnight position.

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What to verify before funding

These are the checks that cannot be completed on your behalf without live account access — verify them yourself before depositing:

• The administrative fee currently shown for each instrument you plan to trade in MT4/MT5, since the figure varies by liquidity provider and is not published in a static table
• Whether your country is accepted by PU Prime and which regulatory entity would service your account, per the regulation page
• Current commission rates for Prime and ECN accounts on PU Prime's spread and costs page
• Whether any risk management tools you rely on — such as guaranteed stop-losses — are available on your chosen tier and under your applicable entity
• Whether independent Sharia board certification exists, if that is a requirement for your religious compliance purposes
• Actual withdrawal processing times for your preferred method and region, rather than relying solely on stated policy timelines
• The reactivation process for archived accounts if you anticipate extended periods of inactivity

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FAQ

Is the administrative fee the same thing as a swap fee? No. A swap fee is an interest-based overnight charge or credit derived from the instrument's market-linked rate. The administrative fee replaces it on Islamic-flagged accounts and is structured by PU Prime to avoid interest — the rate varies by instrument and liquidity provider rather than tracking the interbank interest-rate differential.

Does the Islamic option apply to all account types? Yes. Per PU Prime's help center, the swap-free flag is available on Standard, Prime, Cent and ECN accounts.

Which account tier works best for swap-free swing trading? There is no single answer without knowing your trade frequency, position size and typical hold duration. Standard has no commission but wider spreads; Prime and ECN offer tighter spreads with per-lot commissions. Use the five-step comparison framework in the costs section above to calculate total cost — spread plus commission plus administrative fee for your intended holding period — across the tiers you are considering.

Which regulatory entity applies to my account? It depends on your country of residence. PU Prime holds licences from the FSA (Seychelles), FSC (Mauritius), FSCA (South Africa), CMA (UAE), and references ASIC registration on some pages. Check the regulation page directly to confirm which entity applies to your jurisdiction and what protections that entity provides.

Does negative balance protection apply to my account? PU Prime offers negative balance protection to retail and elective professional clients. Whether it applies to your specific account depends on your entity, account tier and applicable conditions. Confirm with PU Prime support before assuming it covers you.

How quickly can I withdraw funds? PU Prime does not charge standard handling fees for withdrawals and reimburses bank charges on the first international wire transfer each month. Processing speed depends on your withdrawal method and bank. Confirm current timelines with PU Prime support rather than relying solely on the policy figures quoted in the account-opening documentation.

What happens if my account is archived after 90 days of inactivity? PU Prime may archive accounts that remain dormant for 90 or more days. Contact PU Prime support to confirm the reactivation process and whether your balance is preserved during the archived period.

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Risk warning

Risk warning: CFDs and leveraged forex products are complex instruments and carry a high risk of losing money rapidly due to leverage. Consider whether you understand how these products work and whether you can afford to take the high risk of losing your capital. Check the entity, terms and protections that apply in your jurisdiction before trading.