This depends on the information you provided in your application form. You are classified as a 'non-private investor' for market data purposes if you meet one or more of the following conditions:
If any of these apply to you and you subscribe to any market data price feeds for share CFDs, you will be charged the 'non-private investor' rate, which may be higher than the 'private investor' rate. Details of the charges can be found on the platform in the ‘market data’ section in ‘user preferences’.
The holding rate used when calculating the applicable holding costs on FX comes from the tom-next rate, which is the difference between the two currencies’ interest rates, with an additional 1% CMC Markets charge added. Learn more about holding costs.