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Head to head

Opofinance vs Pepperstone

Opofinance holds only an offshore registration (International). Pepperstone is licensed by ASIC in Australia; FCA in the United Kingdom; CySEC in the European Union; BaFin in Germany; DFSA in Dubai (DIFC), UAE and SCB in The Bahamas. The licence that applies to you depends on where you live, so check which company you would contract with before comparing anything else.

Minimum deposits start at $100 at Opofinance and $0 at Pepperstone. Only Pepperstone offers negative balance protection. Both offer segregated client money.

Facts last checked: Opofinance on 20 October 2026, Pepperstone on 20 October 2026.

Opofinance profilePepperstone profile
Broker 1
Broker 2
Broker 3

Monthly cost uses the account chosen in each slot: cost per lot × your lots. Swap and other fees are extra. The lowest monthly cost is highlighted only as a fact about cost, not as a recommendation.

Broker
OpofinanceOffshore registration onlyRead the profile
PepperstoneStrictly regulatedRead the profile
Comparing
OpofinanceInternational
PepperstoneAustralia

Overview

Founded
Not yet checked
Not yet checked
Headquarters
Kingstown, St Vincent and the Grenadines (group companies in Seychelles, Australia and South Africa)
Melbourne, Australia
Official websites
  • opofinance.com
  • opoforex.com
  • pepperstone.com
Facts last checked
20 October 2026
20 October 2026

Regulation and protection

Company you would contract with
Opo Group Ltd
Pepperstone Group Limited
Regulator
FSA Seychelles
International
ASIC
Australia
Regulation level
Offshore registration only
Strictly regulated
Licence number
SD124 (Securities Dealer)
Check the register
AFSL 414530
Check the register
Clients this company serves
Opofinance says clients onboarded under this company use cTrader and TradingView accounts
Australian residents
All licences held
  • FSA Seychelles (International)
  • ASIC (Australia)
  • FCA (United Kingdom)
  • CySEC (European Union)
  • BaFin (Germany)
  • DFSA (Dubai (DIFC), UAE)
  • SCB (The Bahamas)
Segregated client money
Yes
Yes
Negative balance protection
No
Yes
Compensation scheme
Membership of The Financial Commission (Opo Group LLC), a private dispute body with cover of up to €20,000 per case; no government scheme
FSCS up to £85,000 (UK); ICF up to €20,000 (Pepperstone EU); none for the Bahamas company

Costs

Your monthly cost
No accounts listed
No accounts listed
Cost per lot (EUR/USD)
No accounts listed
No accounts listed
Spread from
No accounts listed
No accounts listed
Typical EUR/USD spread
No accounts listed
No accounts listed
Commission per lot (round turn)
No accounts listed
No accounts listed
Typical GBP/USD spread
Not yet checked
Not yet checked
Typical USD/JPY spread
Not yet checked
Not yet checked
Typical XAU/USD spread
Not yet checked
Not yet checked
Swap-free account
Yes
Not yet checked

Leverage and margin

Maximum retail leverage
Up to 1:2000
1:30 on major pairs (UK, EU, Australia)
Retail leverage by asset class
Not yet checked
  • Major currency pairs: 1:30
  • Other currency pairs: 1:20
  • Other commodities and non-major indices: 1:10
  • Share CFDs: 1:5
Margin call level
80%
Not yet checked
Stop-out level
20%
50% (MT4 and MT5)

Account

Minimum deposit (this account)
No accounts listed
No accounts listed
Base currencies
No accounts listed
No accounts listed
Execution
No accounts listed
No accounts listed

Platforms and features

Platforms
  • MetaTrader 4
  • MetaTrader 5
  • cTrader
  • TradingView
  • OpoTrade
  • MetaTrader 4
  • MetaTrader 5
  • cTrader
  • TradingView
  • Pepperstone platform
  • Mobile app
Markets
About 1,150 CFDs on forex, metals, commodities, indices, shares and cryptocurrencies
90+ forex pairs, indices, commodities, share CFDs, ETFs, currency indices and crypto CFDs (not for UK retail)
Demo account
Not yet checked
Yes
Copy trading
Yes
Yes
Expert advisors (automated trading)
Yes
Yes
News trading allowed
Not yet checked
Not yet checked
Guaranteed stops
Not yet checked
Not yet checked

Deposits and withdrawals

Deposit methods
  • Visa and Mastercard
  • USDT (TRC20)
  • Other cryptocurrencies
  • Volet
  • Top Change
  • Debit card
  • Credit card
  • Apple Pay
  • Google Pay
  • Bank transfer
Withdrawal fee
$3–6 for crypto, 2% (minimum $1) for Volet; card deposits cost 2.5% (minimum $1)
Free by card, Apple Pay, Google Pay and bank transfer (UK)
Inactivity fee
Not yet checked
Not yet checked

Support

Customer support
24/7 AI support agent and support@opofinance.com
24 hours Monday to Friday and 18 hours at weekends

Our notes

Strengths
  • Sister company Opo Group Ltd is listed by the FSA Seychelles as a securities dealer
  • The client agreement says client money is held in segregated accounts
  • Five platforms, including MT4, MT5, cTrader and TradingView
  • Licensed by four strict regulators (ASIC, FCA, CySEC, BaFin), with retail money held in segregated accounts
  • Negative balance protection for retail clients
  • Razor account commission is published per currency (for example £2.25 per lot per side on GBP accounts)
  • No minimum deposit for bank transfers in the UK, and free withdrawals
Watch out for
  • The published client agreement is with Opo Group LLC in St Vincent, which is a company registration, not a securities licence
  • The ASIC licence only allows general advice; it does not license the trading accounts
  • Says OPO Finance (Pty) Ltd is authorised by the FSCA (licence 54594); we could not confirm it on the FSCA register on 2026-10-20 (the register could not be reached).
  • Its risk warning says you can lose more than your deposit, and we found no negative balance protection; leverage goes up to 1:2000
  • Says Pepperstone Markets Kenya Limited holds CMA licence 128; we could not confirm it on the Capital Markets Authority register on 2026-10-20 because the CMA website was unavailable.
  • Says Pepperstone Financial Services LLC holds UAE CMA licence 20200000358 for introduction and financial consultation; we could not confirm it on the regulator's register on 2026-10-20.
  • Clients outside the UK, EU and Australia may be placed with the Bahamas company, which has no compensation scheme
  • Pepperstone publishes minimum spreads, not typical spreads; Pro clients lose negative balance protection

Risk warnings

The buttons to a broker’s website above the table are partner links: we may earn a commission if you open an account through them. That never changes the facts shown here. Trading leveraged products such as forex and CFDs carries a high risk of losing money rapidly, and most retail accounts lose money. Each broker’s own warning:

  • Opofinance: Trading involves a high level of risk and may not be suitable for all traders or investors. You should carefully consider your trading goals or objectives, financial situations, level of experience and needs before entering into margin trading with Opofinance. There is a risk of losing substantially more than the investor’s initial investment. Hence, we advise you to only trade the products if you fully understand the risks involved, and can afford them.
  • Pepperstone: Spread bets and CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 73.6% of retail investor accounts lose money when trading spread bets and CFDs with this provider. You should consider whether you understand how spread bets and CFDs work and whether you can afford to take the high risk of losing your money.

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Other head-to-head pages

Cost per lot is the typical EUR/USD spread in busy hours × $10, plus any round-turn commission, for one standard lot. “Not yet checked” means we have not confirmed that fact yet. This page compares facts; it does not rank the brokers or recommend either. Confirm costs and licences on each broker’s site and the regulator’s public register before opening an account: see how we review brokers and check a broker yourself.

Nothing on this page is financial advice. Read the full disclaimer.

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