Best Scalper Guide
Scalper
A scalper is not like other traders in a financial market. A scalper is an individual who enters and exits the financial markets within a very short period, sometimes even within seconds.
He uses higher leverage levels and places larger trades to get higher returns even from very minor price changes.
A scalper can also be defined as one who buys large quantities of such items which are highly being demanded at a regular price and feared to be sold out soon.
He gets the opportunity to sell the items thereafter at a higher price, with a good margin beyond the regular price. One of the best examples of this is the event tickets of Super Bowl.
Important to Know
A scalper always uses higher levels of leverage. He or she places larger sized trades and he hopes to make higher profits from small price changes of the product.
Throughout the day he or she buys and sells several times to make consistent profits.
The secrecy of a scalper is their discipline in trading and combative nature. They are an astute decision-maker and holds strong trading strategy.
Understanding the Scalper in Financial Market
The primary object of any scalper is to make a consistent profit every day and this is the reason he buys and sells several times throughout the day.
He may trade automatically or manually. It depends on his strategy to make profits from small price changes or short-term price moves.
With high-frequency trading using trading software the job of a scalper has become challenging.
Automation places many trades at once and profits can be made even in milliseconds duration with the spread between the bid and ask prices.
Traits of Scalper
Often such traders are combative by nature. The market is like a battle zone for them. Other traders may considered competitors.
They are highly disciplined and follow trading plans strictly. Many uses stop loss limit on a daily basis to minimize the risk of losing money.
A scalper is always a good decision-maker. They are able to react positively in little time space while making profits out of short-term trades.
In a matter of seconds, they can make the right trading decision. They are capable of making quick decisions if there is an error and they panic the least.
What is Scalping
It is a unique trading strategy that focuses on making profits from smaller price changes instead of a big spread between buy and sell.
A Scalper believes it is easier to make profits from small price moves as these compounds to a bigger profit when hundreds of trades are placed in a single day.
Scalping Psychology
The mind-set of a scalper is always to make smaller profits and so the time duration between buy and sell is sometimes less than a second.
A scalper understands the market cannot go according to expectation and hence it is important to grab opportunities as quickly as possible to fix the situation.
Scalping Example
Lets say a scalper wishes to make profits for a stock of a company that comes at a price of $10. He or she buys 50,000 units of the stocks and sells when the price moves up by just $0.05.
The trader does hundreds of similar trades throughout the day and hence the smaller profits are added up to result with big profit.
Scalping Characteristics
The first of several is that it is a fast-paced activity and requires precision timing as well as execution. A scalper believes the holding time of the stocks should be shortest and sometimes even for a couple of seconds. Hence, immense focus is required.
Scalping Mistakes
A scalper sometimes makes mistakes like poor execution, not taking stop losses, poor strategy, late entries, and over-leveraging. Overtrading and late exits are also common mistakes.
Things to Know
Scalping is performed throughout the day. Holding time of stocks vary from just seconds to minutes mostly. However, in some cases, it can last for hours.
It is necessary to close the position before the market trading session ends for the day. A scalper mostly relies on technical analysis like MACD and candlestick charts for execution.
Scalper Verdict
Scalping is an art and a scalper is like an artist in the financial market. He is well equipped with strategies and knows how to make huge profits from smaller price moves.
The important factors to consider while scalping is the perfect entry and exit in the market. Sometimes the entry and exit duration are as less as a few seconds. The talent required in scalping is fast decision making and improving the situation after an error is made.
We've collected thousands of datapoints and written a guide to help you find the best Scalper for you. We hope this guide helps you find a reputable broker that matches what you need. We list the what we think are the best scalper below. You can go straight to the broker list here.
Reputable Scalper Checklist
There are a number of important factors to consider when picking an online Scalper trading brokerage.
- Check your Scalper broker has a history of at least 2 years.
- Check your Scalper broker has a reasonable sized customer support of at least 15.
- Does the Scalper broker fall under regulation from a jurisdiction that can hold a broker responsible for its misgivings; or at best play an arbitration role in case of bigger disputes.
- Check your Scalper broker has the ability to get deposits and withdrawals processed within 2 to 3 days. This is important when withdrawing funds.
- Does your Scalper broker have an international presence in multiple countries. This includes local seminar presentations and training.
- Make sure your Scalper can hire people from various locations in the world who can better communicate in your local language.
Our team have listed brokers that match your criteria for you below. All brokerage data has been summarised into a comparison table. Scroll down.
Our brokerage comparison table below allows you to compare the below features for brokers offering Scalper.
We compare these features to make it easier for you to make a more informed choice.
- Minimum deposit to open an account.
- Available funding methods for the below Scalper.
- What you are able to trade with each brokerage.
- Trading Platforms offered by these brokers.
- Spread type (if applicable) for each brokerage.
- Customer support levels offered.
- We show if each brokerage offers Micro, Standard, VIP and Islamic accounts.
Top 15 Scalper of 2020 compared
Here are the top Scalper.
Compare Scalper min deposits, regulation, headquarters, benefits, funding methods and fees side by side.
All brokers below are scalper. Learn more about what they offer below.
You can scroll left and right on the comparison table below to see more scalper that accept scalper clients
| Broker |
IC Markets
|
XTB
|
FP Markets
|
Roboforex
|
Pepperstone
|
EasyMarkets
|
XM
|
FXPrimus
|
SpreadEx
|
Forex.com
|
OctaFX
|
| Rating | |||||||||||
| Regulation | Australian Securities and Investments Commission (ASIC), Financial Services Authority (FSA), Cyprus Securities and Exchange Commission (CySEC) | Financial Conduct Authority (FCA), FCA number FRN 522157, Cyprus Securities and Exchange Commission (CySEC), CySEC Licence Number: 169/12, Comisión Nacional del Mercado de Valores, Komisja Nadzoru Finansowego, Belize International Financial Services Commission (IFSC) under license number IFSC/60/413/TS/19, Polish Securities and Exchange Commission (KPWiG) | Australian Securities and Investments Commission (ASIC), Cyprus Securities and Exchange Commission (CySEC) | Cyprus Securities and Exchange Commission (CySEC) | Financial Conduct Authority (FCA), Australian Securities and Investments Commission (ASIC), Dubai Financial Services Authority (DFSA), Capital Markets Authority of Kenya (CMA), Pepperstone Markets Limited is incorporated in The Bahamas (number 177174 B), Licensed by the Securities Commission of the Bahamas (SCB) number SIA-F217 | Cyprus Securities and Exchange Commission (CySEC), Australian Securities and Investments Commission (ASIC) | International Financial Services Commission (IFSC), Cyprus Securities and Exchange Commission (CySEC), Australian Securities and Investments Commission (ASIC) | Cyprus Securities and Exchange Commission (CySEC), Markets In Financial Instruments Directive (MiFID) | Financial Conduct Authority (FCA) | Financial Conduct Authority (FCA), Cayman Islands Monetary Authority (CIMA), Investment Industry Regulatory Organization of Canada (IIROC), National Futures Association (NFA) | Financial Conduct Authority (FCA) |
| Min Deposit | 200 | No minimum deposit | 100 | 1 | 200 | 100 | 5 | 100 | 1 | 100 | 5 |
| Funding |
|
|
|
|
|
|
|
|
|
|
|
| Used By | 60,000+ | 250,000+ | 10,000+ | 10,000+ | 10,000+ | 142,500+ | 70,000+ | 10,000+ | 10,000+ | 150,000+ | 30,000+ |
| Benefits |
|
|
|
|
|
|
|
|
|
|
|
| Accounts |
|
|
|
|
|
|
|
|
|
|
|
| Spreads |
|
|
|
|
|
|
|
|
|
|
|
| Platforms | MT4, MT5, Mirror Trader, ZuluTrade, Web Trader, cTrader, Mac | MT4, Mirror Trader, Web Trader, Tablet & Mobile apps | MT4, MT5, IRESS, Mac, Web Trader, Tablet & Mobile apps | MT4, MT5, Mac, Web Trader, cTrader, Tablet & Mobile apps | MT4, MT5, Mac, ZuluTrade, Web Trader, cTrader, Tablet & Mobile apps | MT4, Web Trader, Tablet & Mobile apps | MT4, MT5, Mac, Web Trader, Tablet & Mobile apps | MT4, Mac, Mirror Trader, Web Trader, Tablet & Mobile apps | Web Trader, Tablet & Mobile apps | MT4, MT5, WebTrader, Advantage Trader Pro, TradingView, Tablet and mobile apps | MT4, MT5, Web Trader, cTrader, Tablet & Mobile apps |
| Support |
|
|
|
|
|
|
|
|
|
|
|
| Learn More |
Sign
Up with icmarkets |
Sign
Up with xtb |
Sign
Up with fpmarkets |
Sign
Up with roboforex |
Sign
Up with pepperstone |
Sign
Up with easymarkets |
Sign
Up with xm |
Sign
Up with fxprimus |
Sign
Up with spreadex |
Sign
Up with forexcom |
Sign
Up with octafx |
| Risk Warning | Losses can exceed deposits | 79% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money. | Losses can exceed deposits | Losses can exceed deposits | CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 79.3% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money | Your capital is at risk | Your capital is at risk | Losses can exceed deposits | Losses can exceed deposits | 74% of retail investor accounts lose money when trading CFDs with this provider | Losses can exceed deposits |
| Demo |
IC Markets Demo |
XTB Demo |
FP Markets Demo |
Roboforex Demo |
Pepperstone Demo |
easyMarkets Demo |
XM Demo |
FXPrimus Demo |
SpreadEx Demo |
Forex.com Demo |
OctaFX Demo |
| Excluded Countries | AF, GN, SL, BW, IR, SY, MM, IQ, TG, KH, LS, YE, CI , LR, ZW, CU, LY, TZ, CG, ML, BO, LR, NE, AO, GM, NG, AG, GH, KR, KG, GN, SN, NA | US, IN, PK, BD, NG , ID, BE | US, JP, NZ | US, JP | BR, KR, IR, IQ, SY, JP, US | US | US, CA, IL, KR, IR, MM, CU, SD, SY | AF, CI, CU, IQ, IR, LY, MM, KR, SD, PR, US, AU, SY, DZ, JP, EC. | US, TR | BE | US |
All Scalper in more detail
You can compare Scalper ratings, min deposits what the the broker offers, funding methods, platforms, spread types, customer support options, regulation and account types side by side.
We also have an indepth Top Scalper for 2020 article further below. You can see it now by clicking here
We have listed top Scalper below.
Scalper Table of Contents
- Scalper Explained
- 6 Factors to Consider when Choosing Scalper
- Are Your Scalper Trusted And Established?
- Are The Scalper World Leading?
- What are the Scalper Commissions and Fees?
- What are the Scalper Funding and Withdrawl Methods?
- Find Scalper with Round-the-clock support?
- Make sure the Scalper Offer Comprehensive Trader resources?
- Why do Scalper need to be regulated?
- Scalper FAQ
- What are the best Scalper brokers?
- What is the best Scalp broker?
- Related Scalper Reviews
- Related Scalper Alternatives
- Related Scalper Comparisons
Scalper Explained
Trading the financial markets with Scalper when conditions are volatile can be difficult, even for experienced traders.
Apart from the educational and other resources made available online, another important factor for traders to consider when looking for Scalper is the platform that a Scalper offer.
Choose Scalper that's at the forefront of innovation and generally considered an industry-leader.
To gain access to the financial markets, you'll need Scalper that you can rely on.
6 Factors to Consider when Choosing Scalper
Follow these five rules for selecting a broker that's right for you:
Are Your Scalper Trusted And Established?
Look for a broker that has a good track record/longevity in the market so that your strategy is your primary concern for navigating the markets. The top rated Scalper broker is IC Markets. Established in 2007, and in operation for 12 years IC Markets have a head office in Australia.
IC Markets is regulated. This means IC Markets are supervised by and is checked for conduct by Australian Securities and Investments Commission (ASIC), Financial Services Authority (FSA), Cyprus Securities and Exchange Commission (CySEC) regulatory bodies.
Another top rated broker is XTB.
XTB was established 2002, and in operation for 16 years XTB have a head office in Poland.
XTB is regulated. This means XTB are supervised by and is checked for conduct by Australian Securities and Investments Commission (ASIC), Financial Services Authority (FSA), Cyprus Securities and Exchange Commission (CySEC) regulatory bodies.
| Broker |
IC Markets
|
XTB
|
FP Markets
|
Roboforex
|
Pepperstone
|
EasyMarkets
|
| Year Established | 2007 | 2002 | 2005 | 2009 | 2010 | 2001 |
| Head Office | Australia | Poland | Australia | Cyprus | Australia | Cyprus, Australia |
| Regulation | Australian Securities and Investments Commission (ASIC), Financial Services Authority (FSA), Cyprus Securities and Exchange Commission (CySEC) | Financial Conduct Authority (FCA), FCA number FRN 522157, Cyprus Securities and Exchange Commission (CySEC), CySEC Licence Number: 169/12, Comisión Nacional del Mercado de Valores, Komisja Nadzoru Finansowego, Belize International Financial Services Commission (IFSC) under license number IFSC/60/413/TS/19, Polish Securities and Exchange Commission (KPWiG) | Australian Securities and Investments Commission (ASIC), Cyprus Securities and Exchange Commission (CySEC) | Cyprus Securities and Exchange Commission (CySEC) | Financial Conduct Authority (FCA), Australian Securities and Investments Commission (ASIC), Dubai Financial Services Authority (DFSA), Capital Markets Authority of Kenya (CMA), Pepperstone Markets Limited is incorporated in The Bahamas (number 177174 B), Licensed by the Securities Commission of the Bahamas (SCB) number SIA-F217 | Cyprus Securities and Exchange Commission (CySEC), Australian Securities and Investments Commission (ASIC) |
| Used By | 60,000+ | 250,000+ | 10,000+ | 10,000+ | 10,000+ | 142,500+ |
| Negative balance protection | Yes | Yes | Yes | No | Yes | Yes |
| Guaranteed Stop Loss | No | No | No | No | No | Yes |
| Learn More | Visit IC Markets | Visit XTB | Visit FP Markets | Visit Roboforex | Visit Pepperstone | Visit easyMarkets |
| Risk Warning | Losses can exceed deposits | 79% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money. | Losses can exceed deposits | Losses can exceed deposits | CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 79.3% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money | Your capital is at risk |
Are The Scalper World Leading?
Choose a broker that's at the forefront of innovation and generally considered an industry-leader. IC Markets Segregates clients funds and offers over 232 instruments. IC Markets offers both an online trading platform as well as a mobile platform giving clients easy access to markets.
In addition, IC Markets supports many popular third-party trading platforms enabling access to a variety of markets worldwide that can be traded with the assistance of expert advisors or a customizable automatic trading strategy. IC Markets is a world-leader when it comes to innovation and they are always looking at ways to improve and to maintain their competitive advantage.
Another good choice when looking for Scalper is XTB . XTB Segregates clients funds and offers over 4000 instruments.
| Broker |
IC Markets
|
XTB
|
FP Markets
|
Roboforex
|
Pepperstone
|
EasyMarkets
|
| Instruments Available | 232 | 4000 | 100 | 100 | 100 | 200 |
| Platforms | MT4, MT5, Mirror Trader, ZuluTrade, Web Trader, cTrader, Mac | MT4, Mirror Trader, Web Trader, Tablet & Mobile apps | MT4, MT5, IRESS, Mac, Web Trader, Tablet & Mobile apps | MT4, MT5, Mac, Web Trader, cTrader, Tablet & Mobile apps | MT4, MT5, Mac, ZuluTrade, Web Trader, cTrader, Tablet & Mobile apps | MT4, Web Trader, Tablet & Mobile apps |
| Excluded Countries | US | US, AU, CA, JP, KR, KP, SG, MU, IL, TR, IN, PK, BA, ET, UG, CU, SY, BD, NG, ID, BE, LY, MO, KE, YE, VU, GY, CD, CG, AF, LA, MZ, IQ, IR | US, JP, NZ | US, JP | BR, KR, IR, IQ, SY, JP,US | US |
| Forex pairs offered | 65 | 50 | 60 | 35 | 70 | 150 |
| Forex pairs offered | 65 | 50 | 60 | 35 | 70 | 150 |
| Major forex pairs | Yes | Yes | Yes | Yes | Yes | Yes |
| Minor forex pairs | Yes | Yes | Yes | Yes | Yes | Yes |
| Exotic forex pairs | Yes | Yes | Yes | Yes | Yes | Yes |
| Cryptocurrencies | Yes | Yes | Yes | No | Yes | Yes |
| Commodities Offered | 19 | 21 | 18 | 0 | 16 | 12 |
| Metals | Yes | Yes | Yes | Yes | Yes | Yes |
| Energies | Yes | Yes | Yes | No | Yes | Yes |
| Agricultural | Yes | Yes | Yes | No | No | Yes |
| Stocks Offered | 100 | 1696 | 10000 | 0 | 60 | 52 |
| UK Shares | No | Yes | Yes | No | No | Yes |
| US Shares | Yes | Yes | Yes | No | No | Yes |
| German Shares | Yes | Yes | Yes | No | Yes | Yes |
| Japanese Shares | Yes | Yes | Yes | No | No | Yes |
What are the Scalper Commissions and Fees?
Ensure that your broker is transparent with fees and those dues are competitive.
The best rated Scalper broker IC Markets offers competitive offers for Forex, CFDs, Spread Betting, Share dealing, Cryptocurrencies. IC Markets minimum deposit is 200.
Another top rated Scalper broker XTB offers Forex, CFDs, Cryptocurrency. XTB minimum deposit is 0.
| Broker |
IC Markets
|
XTB
|
FP Markets
|
Roboforex
|
Pepperstone
|
EasyMarkets
|
| Min Deposit | 200 | 0 | 100 | 1 | 200 | 100 |
| Withdrawl Fees | No | varies | No | Yes | No | No |
| Inactivity Fees | No | No | No | No | Yes | No |
| Deposit Fees | Varies | No | Yes | No | No | No |
| CFD Commission Fees | Yes | Yes | Yes | No | Yes | No |
What are the Scalper Funding and Withdrawal Methods?
When dealing with Scalper having convenient funding and withdrawl facilities makes the trading process and your trading experience smoother.
| Broker |
IC Markets
|
XTB
|
FP Markets
|
Roboforex
|
Pepperstone
|
EasyMarkets
|
| Bank transfer | Yes | Yes | Yes | Yes | Yes | Yes |
| Credit Cards | Yes | Yes | Yes | Yes | Yes | Yes |
| Paypal | Yes | Yes | Yes | No | Yes | No |
| Skrill | Yes | Yes | Yes | No | Yes | Yes |
| Payoneer | No | Yes | No | Yes | Yes | No |
| Neteller | Yes | Yes | Yes | Yes | Yes | Yes |
Find Scalper with Round-the-clock support?
Customer service is very important when dealing with Scalper.
When investing and dealing with brokers customer support can be a range of customer services to assist customers in making cost effective and correct use the brokers services. It can include assistance in installation, training, troubleshooting, upgrading, and cancelation of a product or service.
Scalper customer support can include Phone answering services, Live chat support and Email customer service support.
IC Markets support a wide range of languages including English, Japanese, Chinese, Polish, Afrikans, Danish, Dutch, German and more
XTB support a wide range of languages including English, Spanish, Czech, Chinese, German, French, Italian, Polish, Portuguese, Romanian, Slovenian, and Turkish
IC Markets and XTB offer support where clients are able to call or contact the helpdesk via email or a chat service.
| Broker |
IC Markets
|
XTB
|
FP Markets
|
Roboforex
|
Pepperstone
|
EasyMarkets
|
| Support |
|
|
|
|
|
|
| Languages | English, Japanese, Chinese, Polish, Afrikans, Danish, Dutch, German and more | English, Spanish, Czech, Chinese, German, French, Italian, Polish, Portuguese, Romanian, Slovenian, and Turkish | English, Spanish, Portuguese, Romanian, Bulgarian, Arabic, Russian, French, Italian, Greek, Philippines, Latvian, Polish,Indonesian, Thai, Malay, German, Vietnamese | English, Chinese Simplified, Chinese Traditional, Indonesian, Malaysian, Portuguese, Spanish, Italian, Polish, Arabic, Thai, Russian, and Ukrainian | English, Spanish, Polish, Chinese, Japanese, Korean, Vietnamese, and Arabic | English, German, Arabic, Chinese, Spanish and Polish |
| Learn More | Visit IC Markets | Visit XTB | Visit FP Markets | Visit Roboforex | Visit Pepperstone | Visit easyMarkets |
| Risk Warning | Losses can exceed deposits | 79% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money. | Losses can exceed deposits | Losses can exceed deposits | CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 79.3% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money | Your capital is at risk |
Make sure the Scalper Offer Comprehensive Trader resources?
Make sure your broker offers free resources like analysis, education and risk-management tools. With a wealth of knowledge from top analysts, IC Markets and XTB work together to bring the latest news and insights to traders.
For most traders, the first – and sometimes only – concern is pursuing their 'edge'. While that is surely important, along with sound money management habits, to navigating the markets; that step alone does not represent the full preparation. As each trader dives into this important venture, it is important not to forget the most rudimentary yet crucial steps such as selecting the best broker to access the markets.
Why do Scalper need to be regulated?
A regulated Scalper broker lowers your risk.
Broker regulation protects consumers. Too little broker regulation can lead to poor services and possibly financial harm.
Scalper brokers are regulated to stop fraud. The agent's working capital and clients funded account have to be separated. This amounts to fraud if client money is used to conduct the business. Regulation is required to make sure this does not happen.
Scalper List
Funding methods
Bank transfer Credit Card PaypalPlatforms
MT4, MT5, Mirror Trader, ZuluTrade, Web Trader, cTrader, MacCustomer support
Live chat Phone support Email supportAccount Types
Micro account Standard account Islamic account VIP account
Funding methods
Bank transfer Credit Card PaypalPlatforms
MT4, Mirror Trader, Web Trader, Tablet & Mobile appsCustomer support
Live chat Phone support Email supportAccount Types
Micro account Standard account Islamic account VIP account
Funding methods
Bank transfer Credit Card PaypalPlatforms
MT4, MT5, IRESS, Mac, Web Trader, Tablet & Mobile appsCustomer support
Live chat Phone support Email supportAccount Types
Micro account Standard account Islamic account VIP account
Funding methods
Bank transfer Credit Card PaypalPlatforms
MT4, MT5, Mac, Web Trader, cTrader, Tablet & Mobile appsCustomer support
Live chat Phone support Email supportAccount Types
Micro account Standard account Islamic account VIP account
Funding methods
Bank transfer Credit Card PaypalPlatforms
MT4, MT5, Mac, ZuluTrade, Web Trader, cTrader, Tablet & Mobile appsCustomer support
Live chat Phone support Email supportAccount Types
Micro account Standard account Islamic account VIP account
Funding methods
Bank transfer Credit Card PaypalPlatforms
MT4, Web Trader, Tablet & Mobile appsCustomer support
Live chat Phone support Email supportAccount Types
Micro account Standard account Islamic account VIP account
Funding methods
Bank transfer Credit Card PaypalPlatforms
MT4, MT5, Mac, Web Trader, Tablet & Mobile appsCustomer support
Live chat Phone support Email supportAccount Types
Micro account Standard account Islamic account VIP account
Funding methods
Bank transfer Credit Card PaypalPlatforms
MT4, Mac, Mirror Trader, Web Trader, Tablet & Mobile appsCustomer support
Live chat Phone support Email supportAccount Types
Micro account Standard account Islamic account VIP account
Funding methods
Bank transfer Credit Card PaypalPlatforms
Web Trader, Tablet & Mobile appsCustomer support
Live chat Phone support Email supportAccount Types
Micro account Standard account Islamic account VIP account
Funding methods
Bank transfer Credit Card PaypalPlatforms
MT4, MT5, WebTrader, Advantage Trader Pro, TradingView, Tablet and mobile appsCustomer support
Live chat Phone support Email supportAccount Types
Micro account Standard account Islamic account VIP account