Two accounts, two pricing models, and a great deal of marketing energy spent implying one is obviously better. It is not. Which one costs you less is an arithmetic question with a different answer for different traders.
Reduce both to one number
Convert each model to total cost per standard lot, round trip:
| Model | Spread cost | Commission | Total per lot |
|---|---|---|---|
| Standard, 1.0 pip | €10.00 | €0.00 | €10.00 |
| Raw, 0.1 pip + €3.00 per side | €1.00 | €6.00 | €7.00 |
On these illustrative figures the raw model is cheaper per lot. That advantage is fixed per lot, so it scales directly with volume — and it is why active traders gravitate to raw pricing while occasional traders often do not notice the difference.
Where the all-in spread wins
Very small positions
On micro lots the commission minimum can outweigh the spread saving.
Simplicity of accounting
One number, no per-side commission to reconcile. Some traders value that more than a marginal saving.
Lower minimum deposit
The Standard account opens at a lower threshold, which matters when you are starting.
The test that settles it
Take last month’s trades — real ones, not intended ones. Total the volume. Apply both cost models to that volume. The difference is what switching would have saved or cost you. That number is specific to you and it is the only one that matters.