PU Prime Spreads, Fees & Commissions 2026: Full Cost Breakdown

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The trader’s actual P&L equals raw market direction minus the cost stack. The cost stack on a CFD broker has five components: spread, commission, swap, inactivity fee, and deposit/withdrawal fee. The trader who knows the actual stack can size and frequency-tune position deployment to maximise net P&L. This guide covers the full PU Prime cost stack across all four account types.

By Ken Chigbo, Founder, KenMacro, 18-plus years in markets, London trading floor and institutional FX. Live broker-execution framework runs daily inside the MACRO MASTERY desk.

Spreads by instrument and account type

The raw spread on each instrument differs by account type. Standard and Cent share the same mark-up spread structure with no commission. Prime and ECN share the same raw-spread structure with $7 round-turn commission. The all-in cost differs by trade frequency.

Spreads widen during high-volatility windows similar to most retail brokers. NFP and FOMC release windows can see EUR/USD widen to 4 to 6 pips on Standard and 1.5 to 2 pips on raw accounts. The CME open and close on US session windows can see brief widening to 2x the typical figure. EIA Wednesday inventory release widens crude spreads to 2 to 4x the typical level for 30 to 60 minutes. The widening pattern is normal across the industry.

Commission structure

PU Prime charges $3.5 per lot per side ($7 round-turn) on the Prime and ECN raw-spread accounts. The Standard and Cent accounts have no commission. The commission is competitive with the major retail broker tier; IC Markets and Pepperstone charge similar $7 round-turn, while Vantage charges $6 round-turn.

The break-even point between Standard and Prime/ECN is approximately 7 to 10 round-turns per day on EUR/USD, calculated as follows. Standard EUR/USD costs approximately 1.0 pip per round-turn (entry plus exit spread). Prime EUR/USD costs approximately 0.9 pips equivalent (0.2 pips raw spread plus $7 commission, divided by the trade size in pips). The marginal saving per round-turn on Prime is approximately 0.1 pips. The trader needs the marginal saving to offset the commission overhead, which equates to approximately 7 to 10 round-turns per day.

Swap rates

PU Prime applies overnight swap rates on positions held past the 22:00 GMT (17:00 ET) rollover. Swap reflects the interest rate differential between the two currencies in the pair, plus the broker’s mark-up.

Triple swap is applied on Wednesday rollovers to cover the weekend’s three days of accrued swap. Traders running carry strategies (long USD/JPY for the differential) need to factor the triple-swap Wednesday rate into the multi-day P&L; traders running negative-swap positions need to manage the triple-swap drag.

Inactivity fee

PU Prime charges an inactivity fee of $10 per month on accounts with no trading activity for 90 consecutive days. The fee deducts from the account balance until the balance reaches zero, at which point further deductions stop. The fee is the standard for the major retail broker tier.

The fee structure is essentially a dormant-account housekeeping mechanism rather than a revenue source. Traders who plan to leave funds in the account for extended periods without trading should withdraw the funds rather than leaving them subject to the charge. A single trade of any size every 90 days resets the inactivity counter.

Deposit and withdrawal costs

PU Prime does not charge deposit or withdrawal fees from the broker side. Bank wires, cards, e-wallets, and local transfers all process without broker fees. Note that third-party fees from your bank, card issuer, or e-wallet provider may still apply, particularly on international wires.

The fee-free deposit and withdrawal structure is one of the broker’s marginal advantages over comparable brokers. Some major retail brokers charge $20 to $40 on bank wire withdrawals, particularly on amounts under $1,000.

Cost comparison vs Vantage and IC Markets

The institutional-tier comparison on EUR/USD round-turn cost.

The honest read. PU Prime’s raw-account all-in cost is approximately 0.1 to 0.3 pips wider than the institutional-grade benchmark (Vantage), and 0.1 to 0.2 pips wider than IC Markets and Pepperstone. For high-frequency scalpers (50 plus round-turns per day), the difference works out to $2 to $7 per day in extra cost on a 1.0 lot size. For swing traders (1 to 5 trades per day), the difference is $0.10 to $1 per day; negligible.

The break-even framework for PU Prime account selection

The cost-optimal account on PU Prime depends on trade frequency.

• Below 5 round-turns per day on EUR/USD: Standard account is cheapest. The 1.0 pip Standard spread is paid twice per round-turn but no commission applies.
• 5 to 10 round-turns per day: Either Standard or Prime is competitive. The break-even point sits in this range depending on session-to-session spread variation.
• 10 to 30 round-turns per day: Prime account is meaningfully cheaper. The 0.2 pip raw spread plus $7 commission works out to 0.9 pips equivalent vs Standard’s 1.0 pip, saving approximately $1 per round-turn on a 1.0 lot.
• 30 plus round-turns per day: ECN account provides additional liquidity depth at high-vol windows. Same spread and commission as Prime, but better fill quality during NFP, FOMC, and EIA Wednesday windows.

The Tier-1 alternative if cost is the priority

For traders prioritising the absolute tightest all-in cost, Vantage’s Raw account at 0.0 pips raw EUR/USD plus $6 round-turn commission is approximately 0.2 to 0.3 pips cheaper than PU Prime’s Prime account on EUR/USD. The trade-off is the higher minimum deposit on Vantage Raw ($500 vs PU Prime Prime’s $1,000 is actually lower), and the absence of a Cent account on Vantage. For high-frequency scalpers running tight cost discipline, Vantage Raw is the institutional-grade pick.

The MACRO MASTERY angle

The cost stack is one variable. The macro-intelligence layer compounds across cycles regardless of broker choice. The MACRO MASTERY desk runs daily macro pulses and live event coverage that delivers directional edge worth materially more than the per-trade cost difference between any two tier-equivalent brokers.

Final framework

PU Prime’s cost stack is competitive with the major retail broker tier but not the absolute tightest. The Standard account is cost-optimal below approximately 5 to 10 round-turns per day. The Prime account is cost-optimal above 10 round-turns per day. Swap rates apply per the standard rate-differential framework with triple-swap on Wednesday. Inactivity fee of $10 per month after 90 days of no trading. No deposit or withdrawal fees. Vantage’s Raw account is approximately 0.2 to 0.3 pips cheaper all-in on EUR/USD for traders prioritising absolute cost.

Related reading

• PU Prime review 2026, the macro trader’s honest verdict
• PU Prime account types and minimum deposit guide
• PU Prime vs Vantage Markets, head-to-head verdict
• Is PU Prime safe and regulated, the honest 2026 verdict

Frequently asked questions

What spreads does PU Prime offer?

Standard 0.7 to 1.3 pips EUR/USD, Prime/ECN 0.2 pips raw plus $7 round-turn commission, gold $0.30 to $0.50 raw, BTC $19 to $35 across all tiers.

What commission does PU Prime charge?

$3.5 per lot per side ($7 round-turn) on Prime and ECN. No commission on Standard and Cent.

What is the all-in cost on EUR/USD?

Approximately 1.0 pips on Standard (no commission), approximately 0.9 pips equivalent on Prime/ECN (0.2 pips raw plus $7 round-turn).

What are PU Prime swap rates?

Standard rate-differential structure. EUR/USD long pays $4 to $7 per lot per night; USD/JPY long earns $5 to $10 during the BoJ-low-rate cycle. Triple swap on Wednesday rollovers.

Does PU Prime charge inactivity fees?

$10 per month after 90 days of no trading activity, deducting until balance reaches zero.

Does PU Prime charge deposit or withdrawal fees?

No broker-side fees. Third-party bank, card, or e-wallet fees may still apply.

Educational analysis only. CFD and margin trading carry significant risk of loss. Verify current PU Prime spreads and fees against the broker’s official documentation before opening an account; spreads are dynamic and may differ from the values quoted here.

Sources: Official PU Prime contract specifications, FXEmpire PU Prime review (4.5/5), TradersUnion review, ForexBrokers.com cost comparisons.