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In my experience, the pros of trading with 4T include their solid FCA regulation, which adds a layer of trust, and the fact that they offer both MT4 and MT5 platforms. MT4 is super beginner-friendly, while MT5 offers more advanced tools. Also, the low minimum deposit of just $100 is very attractive if I want to start small. However, the cons are the offshore FSA regulation and the lack of swap-free Islamic accounts. For me, the lack of flexibility with account types and the risk from offshore regulation are significant downsides.