Pacific Financial Derivatives Review – ☑️ (Updated 2026)

 

Overall Pacific Financial Derivatives is a trustworthy and low-risk broker with a high overall rating of 8 out of 10. Pacific Financial Derivatives is authorized and regulated by FMA and offers leverage up to 1:300.

 

 

🛡️ Regulated and trusted by the FSCA.
🛡️ 1810 new traders chose this broker in the last 90 days.
🛡️ Available for South African Traders. 🇿🇦

 

 

Pacific Financial derivatives spider chart

 

 

Pros and cons

 

Overview

 

 

• According to research in South Africa, Pacific Financial Derivatives Limited is a brokerage firm based in Auckland, New Zealand. The company is controlled by an experienced Japanese investor with a rich history of managing similar Japanese derivative firms.
• The company was founded in 1991. Through the years it achieved great success, registered with several regulators, and expanded throughout the world. Pacific Financial Derivatives’ aim is to provide a safe trading environment and protection for its customers’ funds.
• The company specializes in indices, forex, commodities, metals, and CFDs. It offers advanced technology from Japan, ultra-fast execution, and high-performance standards to all traders.

 

Featured Offered

• Multiple account types with competitive pricing – Offers PFDTrader, PFDPro, and PFDProPlus accounts with low spreads, optional commission models, and leverage up to about 1:300.
• Advanced trading platform and tools – Trading is done through MetaTrader 4, supporting automated trading (Expert Advisors), real-time charts, and algorithmic strategies.
• Flexible trading environment – Allows scalping, hedging, and algorithmic trading with No Dealing Desk execution and access to forex, indices, and commodities markets.

 

 

Pacific Financial Derivatives Safety and Security

 

 

• Regulated broker – The company is regulated by the Financial Markets Authority in New Zealand, which oversees financial service providers and ensures compliance with financial market laws.
• Segregated client funds – Client money is kept in separate trust accounts, meaning it is held separately from the broker’s operational funds to reduce misuse risk.
• Long operating history – Founded in 2004, the broker has more than two decades of industry presence, which contributes to its credibility in the forex and CFD market.
• KYC and verification procedures – Account verification processes are used to confirm trader identities and comply with financial regulations and anti-money-laundering rules.
• Counterparty risk exists – Some client funds may be transferred to liquidity providers or counterparties for trading activities, which means clients may be exposed to those institutions’ financial risks.

 

Is Pacific Financial Derivatives a regulated and safe broker?

Yes. Pacific Financial Derivatives (PFD) is regulated by the Financial Markets Authority (FMA) in New Zealand. Regulation requires the broker to follow strict financial standards, including compliance checks and client identity verification procedures. However, the broker is considered mid-tier regulated rather than Tier-1, which means traders should still practice proper risk management.

 

 How does Pacific Financial Derivatives protect client funds?

Pacific Financial Derivatives protects client funds by keeping them in segregated accounts, meaning client money is held separately from the company’s operational funds. This separation helps safeguard traders’ funds and prevents them from being used for company expenses if the broker faces financial difficulties.

 

Pacific Financial Derivatives at a Glance

 

🔎 Broker’s Name	Pacific Financial Derivatives
📍 Headquartered	New Zealand
📅 Year Founded	1991
⚖️ Regulating Authorities	FMA
🌐 Countries not accepted for trade	United States
☪️ Islamic account (swap-free)	Yes
👍 Demo Account	Yes
📊 Institutional Accounts	Yes
📊 Managed Accounts	Yes
📈 Maximum Leverage	1:300
💰 Minimum Deposit	$1 / R16,34
💳 Deposit Options	E-Wallets Credit/Debit Cards POLi Online Banking Bank Wire Transfer
💳 Withdrawal Options	E-Wallets Credit/Debit Cards POLi Online Banking Bank Wire Transfer
💻 Platform Types	MetaTrader 4
📱 OS Compatibility	Windows, Mobile, Web, iPhone, iPad PC and Mac OS, mobile for Android and IOS
📈 Tradable assets offered	Forex Indices CFDs Precious Metals Oil Commodities Stocks
👨‍💼 Languages supported on Website	English, Russian, Chinese, and Vietnamese.
👥 Customer Support Languages	English, Russian, Chinese, and Vietnamese.
📆 Customer Service Hours	24/5
🚀 Open an Account	👉 Click Here

 

Customer Review

• Mixed trader feedback: Many users highlight Pacific Financial Derivatives’ competitive spreads, fast execution, and responsive customer support, with broker review scores around 6.8–6.9/10 on review platforms.
•  Some negative experiences reported: A portion of traders mention limited trading instruments, fewer educational resources, and occasional complaints related to withdrawals or service responsiveness, leading to an average rating of about 3.1/5 on ForexPeaceArmy.

 

 

 

Pacific Financial Derivatives Minimum Deposit

 

 

The minimum deposit amount required to open a broker account with Pacific Financial Derivatives is $1 /R 16,34, which is an extremely low minimum deposit requirement.

This low minimum deposit should present a low barrier of entry to most new and beginner traders. That said, it is generally recommended to maintain a minimum deposit of at least $100 in your account to avoid trading at a loss.

 

A step-by-step guide to Pacific Financial Derivatives depositing the minimum amount

 

Step 1 – Log in

• Navigate to the Client Portal and log in to your account

 

 

Step 2 –Make the deposit

• Select the option to fund your account
• Provide your deposit amount and select your preferred deposit method. With the same method by which you make your deposits, you will have to make your withdrawals.
• Confirm your deposit details and fund your account

 

 

 

Pacific Financial Derivatives Account Types

 

Pacific Financial derivatives offer up to six different account types. These consist of the PFD Trader Account, PFDPro Account, PFDProPlus Account, Islamic Accounts, a Multi-Terminal Account, and a MAM Account.

 

The online sign-up option is available for individual clients only and is intended to be completed in conjunction with the relevant provisions of the Client Services Agreement.

The first step is to register online with a username, email, and password. You will receive an auto-email to the registered email id with your chosen username and password and a link page.

You may click on the link to activate the online registration to further complete the online sign-up.

Once the registration is activated by clicking on the link page, you can log in immediately using the username and password to complete the online signup.

 

The paper mode account opening process has a separate set of steps:

Once you have decided which of the account forms is right for you, please download the corresponding PDF form from the Pacific Financial Derivatives website.

You will then be required to provide a copy of each photo-identification document for all directors/authorized signatories.

This must be followed by a copy of the bank deposit slip/bank account statement/credit card statement or other notice of confirmation issued by a bank or any utility accounts showing the name and current address of all directors/authorized signatories.

These documents must be sent to the Pacific Financial Derivatives’ physical address to complete the paper-mode registration process.

 

Pacific Financial Derivatives Account Features

 

PFD Trader Account

 

No Commission for FX

Competitive Spreads

Scalping, News Trading, and running robots are all allowed

Fast execution

No Dealing Desk (NDD)

No minimum deposit is stipulated. Jump in as little or as big as you like.

Trade Forex, Metals, and CFD, all in a single account

Access to a wide range of markets

 

 

PFDPro Account

 

Original and tightest spreads bundled with positive slippage.

Competitive Commission

Fastest execution

No Dealing Desk (NDD)

No trading restriction

Ideal for Scalping, News Trading, Running robots

Forex, Metals, and CFD, all in a single account

Access to a wide range of markets

 

 

PFDProPlus Account

 

Hedging and Swapping net out at the same time make it beneficial for traders.

Institutional grade spreads – bundled with positive slippage.

Competitive Commission @ $1 per side/lot.

Fastest execution

No Dealing Desk (NDD)

No trading restriction

Ideal for professional and system Traders

Forex, Metals, and CFD, all in a single account

Access to a wide range of markets

 

 

Multi Terminal Account

 

Managing a set of client accounts.

Multiple Order types. All normal types: Market, Stop, Limit.

Order execution capabilities. All unique order types accepted: Trailing Stop, Close by, and Close all.

Receiving quotes and news in online mode.

Language support

Works with securities of Forex, CFD, spot metals, shares, and futures

Single-Click, Single-Platform, Multiple Accounts solutions

 

 

MAM Account

 

Trade block orders from a single Master Account utilizing the MT4 client terminal.

An unlimited number of investor accounts.

Allocations to clients as little as 0.01 lot (1000 currency units for FX).

Manage multiple master accounts having different strategies.

Easily manage Monthly, Quarterly, and Annual client reports through MT Manager.

Monitor commissions and performance in real time.

MAM supports trade distribution based on balance, equity, or free margin.

Place block orders fast.

Maintain full control with easy allocation.

Full feature trading viz., all MT4 order types.

All Expert Advisors are supported.

All strategies allowed.

No system restriction.

 

 

How to set up a Pacific Financial Derivatives Demo Account – Step by Step

 

New clients who wish to open a demo account with Pacific Financial Derivatives can do so with the following simple steps:

 

Step 1 – Open Your Account

• Navigate to the Pacific Financial Derivatives official website
• Under the Accounts tab, click on the option to Open an Account

 

 

Step 2 – Fill out the form

• Under the Demo Account tab, click on the “Download PFD Trader Setup” button”
• Once you have downloaded the Wizard, you will be prompted through the setup process
• Following the successful setup, you will be able to start trading on the demo version

 

 

A forex demo account is also referred to as a practice account, which is used for practicing trading or to test a new trading strategy without any risk to actual money.

A Forex demo account is also intended for beginners to get familiar with the various aspects of trading.

As such, a demo account will allow traders to learn how to place orders and manage existing trade positions as well as more advanced functions such as testing or fine-tuning a trading strategy.

If you are new to trading, then it is highly recommended that you first open a forex demo account until you are comfortable with both your trading strategy as well as the intended trading platform itself.

 

 

Pacific Financial Derivatives Islamic Account

 

 

The Islamic Account option from Pacific Financial Derivatives will have the following features:

No Interest/Swap Charge on Overnight Positions.

Administrative Fee Will Apply for Overnight Positions Held for Over 3 Days.

Competitive Spreads.

Leverage Up To 300:1.

Fast Market Execution.

No Trading Restriction.

24/5 Dedicated Client Support.

 

Also known as ‘no swap accounts’, Islamic trading accounts allow Muslims to engage in online forex trading in compliance with Sharia law.

With 25% of the world’s population practicing the Islamic faith, Islamic forex trading has continued to gain popularity worldwide.

Essentially, an Islamic forex trading account charges no swap or rollover interest on positions held overnight in the forex market. An administration fee is, however, charged on some accounts to open positions.

A Pacific Financial Derivatives Islamic Account can be opened in one of two ways, either as an online sign-up or as a paper mode account.

 

Pacific Financial Derivatives Trading Platforms

 

 

MetaTrader 4

The company provides the award-winning MetaTrader 4 (MT4) as a trading platform. It is a reliable terminal and is used by most traders globally. It offers a wide selection of features and is highly customizable.

 

Features and advantages:

Trade with robots

One-click trading

A flexible trading system includes markets, multiple charts as well as pending, stop orders, and trailing stops

Identify trends

9 different time-frames

40 technical indicators

24 graphic objects

Available via desktop, Android, and iOS

Trading history and account statement

Analysis tools

Automated trading

Language support

 

Multi Terminal

Multi Terminal trading software is designed for managing multiple forex trading accounts simultaneously. It is a practical choice for account managers and traders with multiple concurrent accounts.

 

Features and benefits:

Real-time trading platform

Managing a set of client accounts

Multiple order types

Order execution capabilities

All unique order types accepted

Receiving quotes and news in the online mode

Language support

Works with securities of forex, spot metals, CFDs, futures, and shares

Single-click, single-platform, multiple accounts solution

Multi Terminal can operate under Microsoft Windows 7/8/10/Server 2012 and up

 

FIX API

The Financial Information exchange (FIX) protocol is an electronic communications protocol used for the international real-time exchange of information on markets and securities transactions.

 

Features and benefits:

Direct access to the core aggregation engine

Direct access to the price stream

Compatible with MAM

FIX version 4.2

 

Pacific Financial Derivatives Fees and Spreads

 

 

 

Traders with Pacific Financial Derivatives can expect the following spread list:

  Pacific Financial Derivatives operates a No Dealing Desk model, which allows for access to the best spreads at the prevailing market price. The full spread list can be viewed on the broker’s website with live market prices.

  Due to this NDD model, spreads are competitive and average at around 0.4 pips for major currency pairs like EUR/USD.

  Commissions are also charged, which average $1 charged per side per lot on the PFDPro Account.

 

 

Pacific Financial Derivatives Deposit and Withdrawal

 

 

Pacific Financial Derivatives offers several easy options to deposit or withdraw funds from a customer’s trading account. Funding solutions provide levy service charges, which are deducted from the proceeds. Third-party payments are not allowed.

Withdrawals can be requested via a paper-mode withdrawal or an online request.

 

Online Banking (POLi Payments)

  Funding Fee: 1% per transaction (capped at $3 plus GST)

 

Debit and credit cards (Visa and MasterCard)

  Deposit fee: 2.5%

  Withdrawal fee: 2.5%

 

E-Wallets

  Rapid Transfer deposit: 1.5% (min 1€) + 0.29€

  Local deposit (Skrill, Giropay): 2.9% (min 1€) + 0.29€

  Credit card deposit for Skrill: 2.9% (min 1€) + 0.29€

  Withdrawal fee for Wallet: 1.0%

  Neteller deposit: 3.2% (min 1$) + 0.29$

  Withdrawal fee for Neteller: 0%

  Note: Minimum funding US$5/per transaction

A  1% surcharge applies for transfers from certain countries

 

Pacific Financial Derivatives vs Etoro vs XM – Comparison Table

 

🔎 Broker	🥇Pacific Financial Derivatives	🥈 eToro	🥉 XM
💰 Minimum Deposit	$1 / R16,34	$1000 USD	$5 USD
📝 Sign-Up Bonus	No	☑️ Yes	☑️ Yes
➕ Max. Leverage	1:300	1:400	1:888
💵 Currency Pairs	–	47	57
🚀 Open an Account	👉 Click Here	👉 Click Here	👉 Click Here

 

Pacific Financial Derivatives Customer Reviews

 

I rarely take the time to write reviews but I’m seeing some negative ones here about PFD and felt I should speak up. I’m based in Ireland and have been with them for nearly two years. I’m full-time at the screens and barring one 30s gap during a quiet period, have seen nothing untoward in that time. People complain of slippage, varying spreads, and minor differences in the spot price, but they’re not being realistic. In a constantly flowing market, nothing stays static. And any broker offering static pricing is trading against your position, in fact. As for varying spot rates, there will always be minor differences between providers.
Many people complain too about spreads being high at 1.2 pips etc, and that’s just ridiculous. Trading is a business, and the spread is the cost of doing business. If the cost cannot be afforded then the business should cease operating.
One final comment, If you are suspicious of your broker then you have failed to carry out sufficient due diligence.
Sufficient due diligence means knowing the minute ins and outs of your broker’s business and its structure. Information that can be found but requires serious online digging.

Very good broker. lowest trading costs. (spread) . enough execution speed. Good customer service.

I have been with PFD for about 6 months. I decided to withdraw the balance of my account (under $1000) as I am giving up forex trading, to be honest, I suck at it. I submitted my application over the weekend and the money was credited to my NZ bank account on Monday. If you are an NZ-based trader this is the ONLY NZ-based forex company. I know I visited their building in Auckland. They also do not charge a wire fee to NZ banks.

 

Pacific Financial Derivatives Pros and Cons

 

✔️ Pros	❌ Cons
1. High leverage	1. Demo account expires in 15 days
2. Tight spreads	2. Only one trading platform is available
3. Segregated funds	3. Not available in all countries due to legal restrictions
4. Variety of account options
5. Detailed educational support

 

Conclusion

 

Overall, Pacific Financial Derivatives can be summarised as a credible and trustworthy broker and is considered an average risk with competitive trading fees and spreads. Pacific Financial Derivatives offers traders the MetaTrader 4 suite of platforms as well as a basic web and mobile app.

 

Disclaimer

 

Trading in futures, forex, and Over Counter (OTC) products offered as Contract for Differences (CFDs) by Pacific Financial Derivatives Limited, Company #973842 is speculative in nature and not appropriate for all investors.

Investors should only use risk capital when trading futures, forex, and CFDs because there is always the risk of substantial loss. It is important investors carefully consider their objectives, financial situation, and level of experience.

It is recommended that investors seek independent advice before trading. Account access, trade executions, and system response may be adversely affected by market conditions, quote delays, system performance, and other factors, according to research in South Africa.

 

You might also like: Pacific Financial Derivatives Account Types

You might also like: Pacific Financial Derivatives Demo Account

You might also like: Pacific Financial Derivatives Islamic Account

You might also like: Pacific Financial  Derivatives Fees and Spreads

You might also like: Pacific Financial Derivatives Minimum Deposit

 

Risk Management

 

Pacific Financial Derivatives (PFD) is a financial services firm that specializes in risk management for derivative products. The company provides a range of services including risk management software, market data, and consulting services to clients in the financial sector.

 

PFD’s goal is to help clients manage the risks associated with trading in derivative products, such as options and futures, by providing tools and expertise to monitor and control exposure to market risk.

 

Frequently Asked Questions

 

Which platforms are supported by Pacific Financial Derivatives?

OS Compatibility, Windows, Mobile, Web, iPhone, iPad. PC and Mac OS, mobile for Android and IOS.

 

How many instruments can I trade with Pacific Financial Derivatives?

Pacific Financial Derivatives provides access to several instruments across the following popular asset classes:

• Forex
• Commodities
• Stocks
• Indices
• Metals

 

Do Pacific Financial Derivatives offer leverage?

Yes. Pacific Financial Derivatives offers variable leverage depending on the account type, with a maximum available ratio of 1:300.

 

What is the overall rating out of 10 for Pacific Financial Derivatives?

The overall rating is 8/10.