Bybit TradFi Fees 2026: Gold and Forex on MT5, Swaps and TradFi Perps

Bybit gives you two ways to trade gold and forex, and they charge very differently. The MT5 CFD account defaults to Zero-Fee mode, with no separate fee because the cost sits in the spread; switch to Tight-Spread mode and you pay a commission per lot: $6 on forex and metals, $3 on oil and $0.02 on US stock CFDs (minimum $0.2 per order). The other route is TradFi Perpetual Contracts on the futures page (gold, oil, US stocks and more), which pay the same fees as regular USDT perpetuals, 0.02% maker and 0.055% taker at VIP0 (checked 2026-10-22). On rebates, Bybit's affiliate terms base commission on "fees" without naming CFDs or TradFi, so whether the 40% rebate you get by binding code FEEOTTER on Fee Otter covers these trades has to be checked in your rebate records; the official wording is quoted below.

This guide is based on Bybit Help Center articles on CFDs, MT5 and TradFi Perpetuals. It covers how the two products differ, how to choose between the two account modes, how per-lot commissions and swaps are calculated, when positions get closed out, and our own cost example. Bind code FEEOTTER on Fee Otter for a 40% rebate on Bybit trading fees, 2× the 20% most codes give.

Bybit's two TradFi products at a glance

Sources: Introduction to Bybit CFD (updated 2026-09-30), Bybit CFD fees explained (updated 2026-07-30), CFD FAQ and Introduction to TradFi Perpetual Contracts (updated 2026-10-12), checked 2026-10-22. Neither CFDs nor TradFi Perpetuals give you ownership of the underlying asset, shareholder rights or physical delivery.

MT5 CFD account modes: Zero-Fee vs Tight-Spread

Bybit describes Zero-Fee as suited to manual, lower-frequency traders and Tight-Spread to professional, algorithmic or high-volume traders. In Zero-Fee mode the cost is built into a wider spread, so compare the two modes on spread plus commission. The TradFi Combo bot only supports Tight-Spread mode.

Tight-Spread commission per lot

Source: Bybit CFD fees explained, checked 2026-10-22; only some indices are listed here, and the official page has the full list. Commission = lots × commission per lot, deducted from the MT5 CFD balance in one go when the position opens; after closing, the details are under Completed Orders. Bybit's examples: 0.20 lots of the SP500 index costs 0.20 × 3 = 0.60 USDx; 1 lot of AAPL works out to 0.02 USDx but is below the per-order minimum, so 0.20 USDx is charged.

When you open a position, the system checks only that your margin is sufficient and leaves the commission out. Bybit warns that because the commission comes straight out of the balance, a high commission could trigger an immediate close-out. Small, highly leveraged accounts should watch this.

Swaps, the 3-day swap and dividend adjustments

• When: charged on positions held past 00:00 MT5 server time. Bybit says the terminal runs on UTC+3, changing to UTC+2 after daylight saving ends, which is 5 am or 6 am UTC+8.
• How: forex, metals, oil and commodities by points (lots × units per lot × smallest digit × swap rate × days); indices by money (swap × lots × days); US stock CFDs by percentage (quantity × share price × annual rate ÷ 360). Rates can be negative (a charge) or positive (a credit) and differ for long and short; check the contract info page.
• 3-day swap: markets are closed at weekends but interest still accrues, so Bybit charges triple swap on one weekday, usually Wednesday per Bybit; its own index example uses Friday, so check the contract info page.
• Dividends: when constituents pay dividends, long index or US stock CFD positions are credited and short positions are debited.
• Booking: swaps show in equity right away and in the balance only after the position closes.

TradFi Perpetual Contracts: priced like regular USDT perpetuals

TradFi Perpetuals are USDT-denominated and USDT-settled, with the same margin, funding and liquidation mechanisms as regular USDT perpetuals. Fees follow the USDT perpetual schedule with VIP discounts (0.02% maker, 0.055% taker at VIP0 per the Bybit trading fee structure, updated 2026-09-02). The pricing differs: while traditional markets are closed, the index may temporarily drop components whose prices stop updating, and the mark price may deviate from the index by at most ±5% for single stocks and ±3% for ETFs and commodities. Bybit also lists gap risk: earnings or major news can make prices jump and trigger liquidation. For stock perpetual fees across exchanges, see tokenized stock perp fee comparison.

How TradFi volume counts toward VIP

Per the Bybit VIP Program page (updated 2026-07-30), CFD volume is converted into derivatives volume for VIP: metals are divided by 60, commodities other than oil are also divided by 60, and oil, forex, indices and stocks are divided by 15. Bybit's example is $15 million of oil volume counting as $1 million. TradFi Perpetual volume counts directly as derivatives volume. The TradFi Combo bot FAQ instead says TradFi volume counts at one tenth ($100 million counted as $10 million); the two pages disagree, so go by the VIP page and your actual tier.

How to open an MT5 CFD account

1. 1

   Verify your identity

   CFDs require Standard individual verification or business verification. On Bybit, a driver's licence, a passport and an ID card can each verify one account.
2. 2

   Apply for the MT5 CFD account

   in the app, tap TradFi at the bottom, select CFD, tap Apply, then read and accept the terms. Only a main account can open one.
3. 3

   Transfer funds in

   Assets → Account → MT5 CFD → Transfer In. You can move USDT or BYUSDT, shown 1:1 as USDx. USDx isn't a cryptocurrency and can't be deposited or withdrawn directly.
4. 4

   Switch to Tight-Spread if you want it

   once cumulative deposits reach $3,000 and you have no orders or positions, change it under Account Mode in the account details.
5. 5

   Trade and transfer out

   profit and loss always settle in USDT; on the way out, USDT can go to the Funding Account or the Unified Trading Account, BYUSDT only to the Unified Trading Account.

Other rules: an MT5 CFD account with no balance, orders or positions for 3 months is archived automatically and must be unarchived before transfers (MT5 CFD account guide, updated 2026-10-09). With open positions, the amount you can transfer out excludes margin, and the weekend margin ratio is 2, so less is available at weekends. CFD credit from campaigns can't be withdrawn; after a deposit, transfers out reduce credit proportionally, and transferring out without ever depositing forfeits all credit. MT5 also supports Expert Advisors (EAs); Bybit notes that MT5 uses 3-character currency codes, so USDT is written UST.

Our example: what one gold trade costs

Our own assumptions, trading fees only, excluding spread, swap and funding:

Bybit's fee page doesn't say how many ounces one gold lot represents; check the Specification window in MT5 and convert to notional before comparing with the perpetual. The rebate column assumes these fees show up in your rebate records. Zero-Fee mode has no separate fee, and the spread itself is not a trading fee.

Does TradFi trading earn a rebate? What Bybit's official text says

• Affiliate terms (Bybit Affiliate Program Terms, effective 2026-09-01), section 9.1: commissions are based on fees paid by "eligible Clients", after deducting discounts offered to certain groups, fees paid to third-party market makers and Other Fees (third-party trading tool fees, bonuses and so on). There is no product list and no mention of CFDs, MT5 or TradFi.
• Affiliate FAQ (Affiliate Program FAQ, updated 2026-09-19): the base is "trading fees − market maker rebates − bonuses/coupons", again with no products named.
• How the Referral Program words it (Referral Program FAQ, updated 2026-10-10; this is the program for regular users inviting friends, separate from the affiliate program Fee Otter uses): a "First Time Trade" can be a TradFi CFD trade, but the task volume calculation lists Spot, Derivatives, Options, Alpha, Odds, Convert and Direct Stocks without CFDs, and a qualified referee needs $500 in spot/derivatives or $100,000 in TradFi CFD volume. Bybit treats CFDs separately from derivatives in that program, but this can't be carried over to the affiliate program.

In short: TradFi Perpetuals generate regular USDT perpetual fees; Bybit doesn't say whether Tight-Spread CFD commissions count; Zero-Fee mode charges no separate fee. Check your rebate records: Fee Otter's rebate dashboard lists each day's fees and rebates line by line, so you can verify after a few days of trading, and support can help if anything looks off. Swaps, funding, spreads and dividend adjustments are not trading fees and aren't covered.

Regional restrictions

Per Bybit's service-restricted countries (updated 2026-10-16), Bybit doesn't serve users in the United States, the Chinese Mainland, Hong Kong, Singapore, Canada, North Korea, Cuba, Iran, Uzbekistan, Crimea and parts of Ukraine, Sudan or Syria. The TradFi Combo bot FAQ adds that it isn't available where futures or TradFi services aren't supported, including India, Japan, Canada, the UK, Spain, New Zealand, Uzbekistan and Singapore; we found no official page with the full availability list for MT5 CFDs themselves. Section 11.3 of the affiliate terms says residents of EU countries, Iceland, Liechtenstein, Norway, Hong Kong and, from 1 July 2026, Australia generate no affiliate commission, so they can't receive a rebate.

Risks

Forex and gold CFDs go up to 500x leverage, so a small price move can reach the 50% close-out level; Bybit also says hedged positions are closed out when swaps turn equity negative. CFD limit and stop orders execute as market orders once triggered and can slip, and extended-hours sessions have less liquidity and wider spreads. TradFi Perpetuals can gap on earnings and major news, and liquidity drops sharply while the underlying market is closed. Leveraged trading can lose your entire margin quickly.

FAQ

What is Bybit's trading fee for gold?

MT5 CFD Zero-Fee mode charges no separate fee and the cost is in the spread; Tight-Spread mode charges $6 per lot at opening. The TradFi gold perpetual pays regular USDT perpetual fees, 0.02% maker and 0.055% taker at VIP0.

Zero-Fee or Tight-Spread: which should I choose?

Compare spread plus commission. Bybit suggests Zero-Fee for lower-frequency traders and Tight-Spread for high-volume or algorithmic traders; switching needs $3,000 in cumulative deposits and no open positions.

What is the maximum forex leverage on Bybit?

Bybit's fee page lists up to 500:1 on forex and metals, 20:1 on commodities and up to 5:1 on US stock CFDs.

Does Bybit TradFi trading earn a rebate?

The affiliate terms base commission on fees without naming CFDs or TradFi, so check your rebate records. Zero-Fee mode charges no separate fee, so there is no fee to rebate.

When is the swap charged?

On positions held past 00:00 MT5 server time, about 5 am or 6 am UTC+8; one day a week is charged triple, usually Wednesday according to Bybit.

Can I trade CFDs on a subaccount?

No. Bybit says only a main account can open an MT5 CFD account.

Further reading

• Bybit fee rebate guide
• Bybit futures guide
• Bybit VIP fee tiers
• Bybit copy trading guide (including TradFi copy trading)
• Bybit trading bot guide
• Tokenized stock perp fee comparison

Compiled from Bybit Help Center articles on CFDs, MT5, TradFi Perpetuals, the VIP Program and service-restricted countries, plus the Bybit affiliate program terms and FAQ and the Referral Program FAQ, checked 2026-10-22. For information only, not investment advice. CFDs and perpetual contracts are highly leveraged derivatives that can lose your entire margin quickly. Fees, leverage, trading hours and account rules are set by Bybit and may change; the official pages are authoritative. Rebate rates may change; see the Fee Otter rebate rates page.

Data verified: 2026-10-22