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Pacific Financial Derivatives Review 2026

Item: Pacific Financial Derivatives
Rating: 4.98
Author: Oleg Tkachenko

By: Oleg Tkachenko
Updated: July 03, 2026

Top Brokers Overview — United States

Visit the site anyway

Min. deposit $1,000
Fees 3 /10
Account types 1.3 /10
Regulation 6.8 /10

5 /10

High risk

Pacific Financial Derivatives User Reviews 2.7
Commissions and Fees 3.0
Regulation and Safety 6.8
Account Types 1.3
Deposit and Withdrawal 5.0
Markets and Tradable Assets 4.0
Trading Account Opening 7.0
Trading platforms & tools 5.8
Mobile Apps 7.0
Customer Support 5.7

Pacific Financial Derivatives Pros & Cons

Fast market execution of orders.
Segregation of client funds.
Several trading account types, including a demo account.
Islamic (Swap Free) account available.
Support for automated trading with Expert Advisors (EAs).
No minimum deposit requirement for several account types.
Various trading strategies are allowed.

Limited selection of trading instruments.
No bonus programs.
Limited educational materials.
Support is available only on business days (24/5).

TU Expert Verdict

Pacific Financial Derivatives carries a higher degree of risk. My review and user feedback point to noticeable performance issues and limitations. It may be appropriate only for experienced traders who fully understand the risks and are prepared for potential instability.

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Pacific Financial Derivatives User Reviews

Score:

2.7 /10

6 total

5-star

0%
4-star

0%
3-star

17%
2-star

0%
1-star

83%

I haven't heard anything good about Pacific Financial lately. But the negative, yes, slips everywhere.

You will sit for days in this application, earn money, and then you will be stupidly blocked for no reason and you will say that you have violated the rules and will not provide any evidence that you have really violated! They won't even tell you what exactly you broke. And that's it, your account is gone...

I trade from the simplest PFDTrader account. Chose it due to the lack of additional fees. I still do not understand the principle of charging a commission for opening a position and lots, so I opened a standard account - only with spreads. In general, it was possible to start trading with any amount, but I made a deposit of $200. I will test the platform and the speed of execution, and then it will be possible to invest in a big way. Pacific Financial Derivatives Ltd provides 1:300 leverage. I think that this is more than enough for a normal income. The broker offers good trading conditions, but at the same time it retains commissions for depositing funds. For example, when transferring from a card, you have to pay as much as 3%!

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Commissions and Fees

Score:

3 /10

The trading and non-trading commissions of Pacific Financial Derivatives have been analyzed and rated as having High fees, with a fees score of 3/10. Additionally, these commissions were compared with those of the top two competitors, ZForex and OANDA, to provide the most comprehensive information.

No inactivity fee

Above-average Forex trading fees

Trading Fees and Spread

Below, we evaluated and compared the trading commissions of Pacific Financial Derivatives with those of two competitors. We focused on the spreads and other transaction fees directly associated with executing trades (e.g commission per lot on an ECN account). This comparison aimed to provide a clear understanding of the cost efficiency of each broker.

Standard Account Spread

For Standard accounts, Pacific Financial Derivatives’s commissions are part of the floating spread, which varies with market conditions. Typical values are provided, but during high volatility, the spread may exceed these.

Pacific Financial Derivatives Standard spreads
	Pacific Financial Derivatives	ZForex	OANDA
EUR/USD min, pips	0.4	0.1	0.1
EUR/USD max, pips	1.7	0.4	0.5
GPB/USD min, pips	1.2	0.2	0.1
GPB/USD max, pips	1.7	0.6	0.5

Does Pacific Financial Derivatives support RAW/ECN accounts?

As we discovered, Pacific Financial Derivatives does not offer RAW/ECN accounts, which might be a drawback for transparency and liquidity. However, this doesn't make the broker uncompetitive. Consider factors like spread levels, execution speed, regulation, support quality, and trading tools when choosing a reliable broker.

Non-Trading Fees

We conducted a detailed analysis of the non-trading fees associated with Pacific Financial Derivatives. This review offers a comprehensive overview of the additional costs that may impact traders beyond regular trading activities.

Pacific Financial Derivatives Non-Trading Fees
	Pacific Financial Derivatives	OANDA
Deposit fee, % The indicated amount does not include possible fees from payment systems and banks.	2.65-4.4	0
Withdrawal fee, % The indicated amount does not include possible fees from payment systems and banks.	2	0
Withdrawal fee, USD The indicated amount does not include possible fees from payment systems and banks.	0	0-15
Inactivity fee ($, per month)	0	0

Is Pacific Financial Derivatives Safe?

Score:

6.8 /10

Pacific Financial Derivatives has a safety score of 6.8/10, which corresponds to a Medium security level. The safest brokers are those with Tier-1 regulation, a long history (over 10 years in the market), and participation in investor compensation schemes.

Is regulated
Track record over 27 years

Not tier-1 regulated
No negative balance protection

Pacific Financial Derivatives Regulators and Investor Protection
Abbreviation	Full Name	Country of regulation	Investor Protection Fund	Regulation Level
FMA NZ	Full Name Financial Markets Authority of New Zealand	Country of regulation New Zealand	Investor Protection Fund No specific fund	Regulation Level Tier-2

Pacific Financial Derivatives Security Factors
Foundation date	1999
Negative balance protection	No
Verification (KYC)	Yes

Account Types

Score:

1.3 /10

Pacific Financial Derivatives offers the following account options: Demo, Standard, Swap Free, Managed.

However, Pacific Financial Derivatives does not provide a Standard account, which can be a drawback for traders who prefer classic spread-based pricing models.

Low minimum deposit
Swap Free (Islamic) account
Demo account

Micro lots are not available
No VIP account option

Pacific Financial Derivatives account types vs top competitors
	Pacific Financial Derivatives	ZForex	Plus500
Standard	Yes	Yes	Yes
ECN/Raw spread	No	Yes	No
Demo	Yes	Yes	Yes
Cent	No	No	No
Micro	No	No	No
Swap Free	Yes	Yes	Yes
VIP	No	No	No
Managed	Yes	No	No

Pacific Financial Derivatives accounts trading conditions

Pacific Financial Derivatives offers several account types designed for traders with different levels of experience and trading strategies. The lineup includes basic solutions for beginners, professional accounts with tighter spreads, and specialized options for managers and training.

Account types:

Account Type	Description
PFDTrader	A basic account with no minimum deposit requirement and competitive spreads and swaps per trade. Leverage is up to 1:300. Account type with no commission per lot
PFDPro	An account for more advanced trading with lower spreads and a commission of $1 per lot per side. Maximum leverage is 1:300. There is no minimum initial deposit requirement.
PFDProPlus	An account for professional trading with the tightest spreads. Leverage is up to 1:100. Commission is $1 per lot per side. The minimum deposit is $1,000. Swaps are offset for non-hedged positions.
Islamic (Swap Free)	An account for trading without swap charges for holding positions overnight. It offers competitive spreads and fast market execution. An administrative fee may apply if a position is held for more than three days. Leverage is up to 1:300.
MAM	A Multi-Account Manager (MAM) account that allows investment managers to execute trades from one master account and allocate them across multiple client accounts. The system supports Expert Advisors (EAs) and centralized management.
Demo	A practice account with virtual funds for training and testing strategies under market conditions similar to real trading.

Deposit and Withdrawal

Score:

5 /10

Pacific Financial Derivatives received a Medium score for the efficiency and convenience of its deposit and withdrawal processes.

Pacific Financial Derivatives provides a reasonable range of deposit and withdrawal options with moderate fees, in line with industry standards.

Low minimum withdrawal requirement
Bank card deposits and withdrawals
Minimum deposit below industry average
PayPal supported

BTC payments not accepted
Withdrawal fee applies
USDT payments not accepted

What are Pacific Financial Derivatives deposit and withdrawal options?

Pacific Financial Derivatives provides a basic range of deposit and withdrawal options, covering essential methods in line with industry standards. This set of options is sufficient for most traders, with available methods Bank Card, Bank Wire, PayPal.

Pacific Financial Derivatives Deposit and Withdrawal Methods vs Competitors
	Pacific Financial Derivatives	ZForex	Plus500
Bank Wire	Yes	No	Yes
Bank card	Yes	Yes	Yes
PayPal	Yes	No	Yes
Wise	No	No	No
BTC	No	Yes	No

What are Pacific Financial Derivatives base account currencies?

A wide range of base account currencies minimizes the need for currency conversion, potentially reducing transaction costs. Pacific Financial Derivatives supports the following base account currencies: USD.

What are Pacific Financial Derivatives's minimum deposit and withdrawal amounts?

The minimum deposit on Pacific Financial Derivatives is $1,000, while the minimum withdrawal amount is $1. These minimums may vary depending on the chosen account type and payment method. For specific details, please contact Pacific Financial Derivatives’s support team.

Markets and Tradable Assets

Score:

4 /10

Pacific Financial Derivatives offers a limited selection of trading assets compared to the market average. The platform supports 67 assets in total, including 56 Forex pairs.

56 supported currency pairs
Indices trading

Futures not available
Copy trading not available

Supported markets vs top competitors

We have compared the range of assets and markets supported by Pacific Financial Derivatives with its competitors, making it easier for you to find the perfect fit.

	Pacific Financial Derivatives	ZForex	Plus500
Currency pairs	56	50	60
Total tradable assets The total tradable assets listed include all available instruments, including CFDs. Due to regional restrictions, certain CFDs may not be offered in some countries. For example, cryptocurrency CFDs are banned in the UK, and the U.S. has restrictions on CFDs.	67	80	2800
Stocks	No	Yes	Yes
Commodity futures	Yes	Yes	Yes
Crypto Cryptocurrency CFDs are restricted or prohibited in certain regions due to regulatory limitations. These include the United Kingdom, China, Egypt, the United States and Canada.	No	Yes	Yes
Stock indices	Yes	No	Yes
Options	No	No	Yes

Investment options

We also explored the trading assets and products Pacific Financial Derivatives offers for beginner traders and investors who prefer not to engage in active trading.

	Pacific Financial Derivatives	ZForex	Plus500
Bonds	No	No	No
ETFs	No	No	Yes
Copy trading	No	Yes	No
PAMM investing	No	No	No
Managed accounts	Yes	No	No

Trading Account Opening

Score:

7 /10

We successfully registered an account with Pacific Financial Derivatives in 12 minutes. The KYC verification was completed within 2 business days. The minimum deposit amount at Pacific Financial Derivatives is $1,000.

Overall, the account setup process is efficient and suitable for most traders.

Fully online account opening process
Low minimum deposit requirement
Fast registration time (up to 15 minutes)

Account approval may require extra time depending on the documentation.

Pacific Financial Derivatives account opening
	Pacific Financial Derivatives	ZForex	Plus500
Online Registration	Yes	Yes	Yes
Minimum deposit	$1,000	$10	$100
Mandatory KYC	Yes	Yes	Yes
Registration time (min)	12	8	5
KYC time (days)	2	1	3

Is Pacific Financial Derivatives available in my country?

If you are a citizen of United States, the broker accepts clients from your country.

Please note that availability may vary due to regulatory requirements, so we recommend confirming directly with the broker for the most accurate and up-to-date information.

Account opening details

Pacific Financial Derivatives allows accounts to be opened through its official website.

The process includes the following steps:

Complete online registration by entering a username, password, and email address.
Confirm the email address.
Provide information about trading experience, available capital, and employment status.
Upload documents confirming personal identity and residential address.

Features of Pacific Financial Derivatives user account allow traders to:

Complete account verification.
Deposit funds into the trading account.
Withdraw earned profits.
View balance transaction history.
Access the archive of completed trades.
View referral program statistics.
Communicate with customer support.

Trading platforms & tools

Score:

5.8 /10

Pacific Financial Derivatives received a score of 5.8/10, reflecting an average offering in terms of trading platforms and tools. The broker covers essential functionality but may fall short in some advanced features or platform diversity compared to leading competitors.

API access for automated trading
Trading bots (EAs) allowed
One-click trading
MetaTrader is available

No access to cTrader and its advanced tools.
Strategy (EA) Builder is not available
No access to Free VPS

Supported trading platforms

Pacific Financial Derivatives supports the following trading platforms: MT4, WebTrader. This selection covers the basic needs of most retail traders. We also compared Pacific Financial Derivatives’s platform availability with that of top competitors to assess its relative market position.

	Pacific Financial Derivatives	ZForex	Plus500
MT4	Yes	No	No
MT5	No	Yes	No
cTrader	No	No	No
TradingView	No	No	Yes
Proprietary platform	No	No	Yes
NinjaTrader	No	No	No
WebTrader	Yes	No	Yes

Key Pacific Financial Derivatives’s trading platform features

We also evaluated whether Pacific Financial Derivatives offers essential trading features that enhance user experience, accommodate various trading styles, and improve overall functionality.

Supported features
2FA	No
Alerts	Yes
Trading bots (EAs)	Yes
One-click trading	Yes
Scalping	Yes
Supported indicators	30
Tradable assets	67

Additional trading tools

Pacific Financial Derivatives offers several additional features designed to enhance the trading experience. These tools provide greater automation, deliver advanced market insights, and help improve trade execution.

Pacific Financial Derivatives trading tools vs competitors
	Pacific Financial Derivatives	ZForex	Plus500
Trading Central Trading Central is a leading provider of investment research and financial market commentary. Integration with Trading Central offers traders advanced analytics, trading signals, and expert market insights, aiding in more informed decision-making.	No	No	No
API	Yes	No	No
Free VPS	No	Yes	No
Strategy (EA) builder A Strategy or EA builder is a tool that allows traders to create and test their own automated trading strategies without requiring programming skills.	No	No	No
Autochartist Autochartist is a market scanning tool that identifies trading opportunities by analyzing chart patterns and key price levels.	No	No	No

Mobile Apps

Score:

7 /10

Pacific Financial Derivatives supports mobile trading, offering dedicated apps for both iOS and Android. Pacific Financial Derivatives received a score of 7/10 in this section, indicating a generally acceptable mobile trading experience.

Mobile alerts supported
Strong Android user ratings, currently at 4.6/5
Indicators supported

Mobile 2FA not supported

We compared Pacific Financial Derivatives with two top competitors by mobile downloads, app ratings, 2FA support, indicators, and trading alerts.

	Pacific Financial Derivatives	Plus500	OANDA
Total downloads The parameter reflects the combined number of installations from both the Apple App Store and Google Play. It serves as an approximate indicator of the broker’s mobile trading app popularity and user adoption across platforms.	10,000,000	10,000,000	1,000,000
App Store score App store scores reflect the average user ratings of the broker’s mobile applications on the Apple App Store and Google Play. These ratings indicate user satisfaction based on criteria such as usability, stability, performance, and overall experience.	4.8	4.7	4.8
Google Play score	4.6	4.4	3.4
Mob. 2FA	No	Yes	Yes
Mob. Indicators	Yes	Yes	Yes
Mob. Alerts	Yes	Yes	Yes

Customer Support

Score:

5.7 /10

Customer support at Pacific Financial Derivatives is available, but response speed and service quality may vary. Some requests are handled efficiently, while others may require follow-ups.

During testing, response times were moderate, and communication depended on the complexity of the request. Pacific Financial Derivatives provides basic support functionality but does not stand out in overall service performance.

Information

Customer support is available 24/5 from 10:00 am Monday to 10:00 am Saturday (New Zealand) / 11:00 PM Sunday to 11:00 PM Friday (London) / 6:00 PM Sunday to 6:00 PM Friday (New York).

Contact with the broker via chat
Phone support

No 24/7 support
Slow email responses

Available communication channels:

Chat on the broker’s website.
Phone.
Email.
Company profiles on X and Facebook.

Contacts
Foundation date	1999
Registration address	Level 8, Swanson House, 12-26 Swanson Street, Auckland Central 1010, New Zealand
Regulation	FMA Licence number: 28944
Official site	https://www.pfd-nz.com/
Contacts	info@pfd-nz.com +64 96320129, 0800 000973

Best Pacific Financial Derivatives Alternatives

zForex

8 /10

Regulation Not regulated

EUR/USD 0.1 pips

Plus500

7.6 /10

Regulation Tier-1

EUR/USD 0.5 pips

OANDA

6.9 /10

Regulation Tier-1

EUR/USD 0.1 pips

Trading.com USA

6.9 /10

Regulation Tier-1

EUR/USD 0.9 pips

FOREX.com

6.8 /10

Regulation Tier-1

EUR/USD 0.7 pips

FAQs

How secure is trading with Pacific Financial Derivatives in terms of regulation and safety?

Pacific Financial Derivatives has a safety score of 6.8/10, which corresponds to a Medium security level in this review. It is regulated by the Financial Markets Authority of New Zealand (FMA NZ), a Tier-2 regulator, but it does not offer negative balance protection or participation in a specific investor compensation fund, which may increase certain risks compared with brokers that have Tier-1 regulation and compensation schemes.

What account types and trading conditions does Pacific Financial Derivatives offer?

Pacific Financial Derivatives provides several account types, including PFDTrader, PFDPro, PFDProPlus, Islamic (Swap Free), MAM, and Demo accounts, each with different leverage, spreads, commissions, and minimum deposit requirements. The broker does not offer ECN/Raw spread or micro accounts, but it does have a swap-free option and accounts with no minimum initial deposit for some tiers.

What do user reviews and feedback say about Pacific Financial Derivatives overall?

The user satisfaction score for Pacific Financial Derivatives is 2.7/10 based on 6 reviews, with 83% of ratings at 1 star and 17% at 3 stars. According to user reviews, overall sentiment is mostly negative, indicating that many reviewers report dissatisfaction with their experience.

What trading platforms and tools are available with Pacific Financial Derivatives, according to reviews and platform data?

Pacific Financial Derivatives supports MT4 and a WebTrader platform, offering essential features such as trading bots (EAs), one-click trading, alerts, and scalping, along with 30 indicators and 67 tradable assets. The broker also provides API access but does not offer MT5, cTrader, TradingView integration, a proprietary platform, or free VPS, which may limit access to some advanced tools.

What customer support options and availability does Pacific Financial Derivatives provide based on feedback?

Customer support at Pacific Financial Derivatives is available 24/5 via website chat, phone, email, and company profiles on X and Facebook, with service hours aligned to major time zones. The review notes that response times are moderate and can vary by request complexity, with some feedback indicating slow email responses and the absence of 24/7 support.