> 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. Please close all open positions and cancel all pending orders before switching. The change takes effect immediately, applies only to new orders, and is limited to once every 24 hours.

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

If the switch is unavailable, check the 24-hour cooldown, open positions, and pending orders. Please follow the current page prompt, close positions or cancel orders when applicable, then try again.

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

You cannot switch account types while you have open positions or pending orders; close the positions and cancel the orders first. After all positions are closed and pending orders are cancelled, the switch takes effect immediately and applies only to new orders. Fees on completed historical orders are not recalculated. 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. The Premium account charges a fee per instrument category (e.g., Gold XAUUSD 0.008%, FX Majors 0.005%, FX Minors 0.005%, Silver XAGUSD 0.015%, Oil USOIL 0.015%, Crypto Perpetuals 0.02%, Indices 0.015%, Stock Perpetuals 0.025%, Crypto Spot 0.02%), making it better suited for traders who care most about execution quality. 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 = 0.008% × 0.90 = 0.0072%.
  \
  A VIP4 user trading crypto perpetuals — fee = 0.02% × 0.80 = 0.016%.

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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