> For the complete documentation index, see [llms.txt](https://mc-markets.gitbook.io/mcmarkets-infohub/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://mc-markets.gitbook.io/mcmarkets-infohub/faq/dual-account-system.md).

# Dual Account System

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<summary><strong>What is the difference between Standard and Premium accounts?</strong></summary>

The Standard account is commission-free across all instruments and suits everyday trading. The Premium account charges a fee per instrument in exchange for better execution conditions, making it better suited for high-volume or high-frequency traders. The two are simply different mode options, switch based on your needs.

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<summary><strong>How do I switch account types?</strong></summary>

Go to the Portfolio page to switch. Switching is allowed once every 24 hours and only applies to new orders placed after the switch.

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<summary><strong>What should I do if the switch button is unresponsive?</strong></summary>

Switching is limited to once every 24 hours. If the button is greyed out, the cooldown period has not yet ended. Simply wait 24 hours and try again.

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<summary><strong>Does switching account types affect my open positions?</strong></summary>

Switching your account type on the Portfolio page does not affect your existing open positions.
&#x20;The switch only applies to new orders placed after the change. Fees on your existing open positions remain unchanged, and your positions will not be forcibly closed or adjusted. Switching is limited to once every 24 hours.

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<summary><strong>Which account type should I choose?</strong></summary>

The Standard account is commission-free across all instruments and suits most users.&#x20;

The Premium account charges a fee per instrument category (e.g., Gold XAUUSD 0.005%, FX Majors 0.004%, FX Minors 0.006%, Silver XAGUSD 0.01%, Oil USOIL 0.01%, Crypto Perpetuals 0.01%, Indices 0.01%, Stocks 0.015%, Crypto Spot 0.05%), making it better suited for traders with higher expectations for execution quality.&#x20;

Both accounts have access to all platform features, and you can switch between them on the Portfolio page. Switching is limited to once every 24 hours.

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<summary><strong>How are VIP tiers and discounts calculated for the Premium account?</strong></summary>

VIP tier is determined automatically based on your weighted trading volume (USD) over the past 14 days, with volume across all categories aggregated at equal weight (1:1). Discounts apply across all categories. Tiers:

* VIP0 (default) — no discount
* VIP1 (≥ $5M) × 0.95
* VIP2 (≥ $25M) × 0.90
* VIP3 (≥ $100M) × 0.85
* VIP4 (≥ $500M) × 0.80
* VIP5 (≥ $2B) × 0.75
* VIP6 (≥ $7B) × 0.70.

Example:

* A VIP2 user trading gold — fee = 0.005% × 0.90 = 0.0045%.
* ]A VIP4 user trading crypto perpetuals — fee = 0.01% × 0.80 = 0.008%.

Note: Trading volume accumulated under the Standard account carries over automatically when you switch to the Premium account and is not reset. Vault deposits are not counted toward trading volume.

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