bitcastle FX Purpose of the Credit Displayed in MetaTrader 5 (MT5)

If your trading accounts have been assigned any credit (formerly known as a bonus), you can easily view this information directly within the appropriate trading terminal.

This article explains what credit is, where to find it, and how it fits into your overall trading account metrics.

💰 What Is "Credit" in MT5?

Credit refers to non-withdrawable funds added to your trading account, usually earned from promotional programs or bonus campaigns. These funds can be used for trading and are considered part of your total equity.

🔎 Where to Find Credit in MT5?

You can view the credited amount directly in your MT5 terminal.
In the “Credit” field, you will see how much has been credited to your account and is available for trading.
Additionally, the free margin displayed in MT5 includes credited funds.

🔢 How Credit Fits Into Equity Calculations

Here’s how MT5 calculates your account’s Equity:
Equity = Balance + Credit + Floating Profit/Loss + Swap + Commission

Let’s break down each component:

Balance:
The total result of deposits and withdrawals in your account, including profits from closed trades.

Credit:
Non-withdrawable funds from bonuses or promotions available for trading.

Floating Profit/Loss:
Real-time cumulative P&L from all open positions, updated with each market tick.

Swap:
Accumulated swap (interest) from all open positions.

Commission:
Fees deducted from certain account types. In MT5, commissions are subtracted from the balance.

Credit in Account History:
Any profits made using credited funds—or deposits tied to bonuses—will be labeled as ‘Credit’ in the Account History section of your MT5 terminal.
 

💫 Summary
・Credit is bonus-type capital for trading, not for withdrawal.
・It is included in free margin and equity calculations.
・MT5 clearly displays credit in both real-time metrics and account history.