My account shows swap charges even though I thought it was swap-free—what should I verify in the account settings and trade conditions?

Seeing swap on a supposedly swap-free account usually means one of a few things: the account is not actually the swap-free type, the swap-free status applies only to certain instruments, or the charge is an administration or financing fee that some brokers apply in place of swap on long holds. Checking the account type in the client portal, the instrument’s specification, and the swap-free terms and conditions clarifies which applies. Contacting support with the trade details is a common next step.