PU Prime Account Types After a Long Break
What happens to a PU Prime account record when nobody touches it for months: what stays open on its own, what needs waking up, and what ends only when you ask for it.
Open PU Prime Account →An account you stopped using is not closed by the break. A position left open is still open and still carries its overnight swap; the balance stays on the record; the trading login may need reactivating before a terminal will take it; and the account itself ends only when you ask for it to end.
An account left alone: what changes and what does not
- Nothing ends because you stopped logging in — an account is closed by a request, not by silence.
- A position you left open is still open: it runs until you close it, until its stop or take-profit is reached, or until margin rules close it out.
- Unless it sits on a swap-free account, that position keeps paying or earning the overnight swap for every night it stays open, watched or not.
- The balance stays on the record and stays yours; accounts that sit untouched can fall under dormancy terms, so read the current terms before assuming the figure has not moved.
- The type recorded against the account does not switch by itself and does not lapse — it is still what it was on the day you stopped.
- Access can lag behind the account: the record can be perfectly alive while the trading login needs reactivating before a terminal will take it.
- Coming back is a check, not a fresh start — what is still open decides what you can safely do next.
An account after a long gap, item by item
| On the record | Where it stands after months of silence | What actually moves it |
|---|---|---|
| Open position | Still open, still carrying its overnight swap night after night | A close order, its own stop or take-profit, or a margin close-out |
| Free balance | Still on the record; dormancy terms can apply to an untouched account | A withdrawal request, or a new trade |
| Trading login | May need reactivating before a terminal accepts it | A request to support |
| Account type on file (Cent, Standard, Prime, ECN, swap-free) | Unchanged — nothing switches in the background | A request to change it, or a second account |
| Details you filed at the start | Can quietly fall out of date while the account sits | Sending current ones when you are asked |
| The account itself | Open until you ask for it to be closed | A closure request, in writing |
Silence is not an instruction
A trading record has no way of reading a break. It does not know whether you stopped because you were finished, because you were busy, or because you meant to come back on Monday and then did not. Nothing in it treats absence as a decision, which is why almost everything you left behind is exactly where you left it.
Two things do act without you, and both were already attached to the position before you walked away: the instructions you set on it, and the rules the account runs under. A stop or a take-profit will do its job at three in the morning eight months later. Margin rules keep measuring the position against the equity behind it, and they do not wait to be asked.
Everything else waits. That is the part people get wrong in both directions — some come back expecting the account to have been tidied away, others come back expecting it to be untouched. Neither is quite right, and the difference between them is worth ten minutes of reading before the first click.
The position you left behind
An open position is the one item on the record that keeps having consequences while you are gone. It stays exposed to every move the market makes in the meantime, and unless it sits on a swap-free account it settles an overnight swap for each night it is held. Over a long absence that arithmetic runs the whole time, quietly, in the background.
It also keeps consuming margin. The requirement is measured against the equity of the moment, not against the account as it looked when the trade was opened, so a position that was comfortably sized against last year's balance may not be comfortably sized against today's. A close-out is arithmetic, not a conversation: it happens when the numbers meet the threshold.
This is why the first thing to open on a return is the history and the position list, not a chart. The chart tells you what the market did. The position list tells you what you are still in.
Dormant, closed, and the space between them
A dormant record and a closed account feel the same from outside — neither is doing anything — but they are different states with different exits. A dormant account still exists, still holds whatever is on it, and can be brought back. A closed account has been ended on your instruction, and coming back means starting a new record rather than reviving an old one.
The confusion usually starts at the login screen, because that is where an idle account first pushes back. A refused trading login is not evidence that the account was closed; it is far more often a record that needs reactivating. The account, the login and the terminal are three separate things, and only one of them has to be stale for the other two to look broken.
The practical consequence: ask before you open anything new. A second account started in frustration splits your history in two, and history is the one thing you cannot backfill later.
Picking up an account you have not touched in months
- Open the account history before you open a chart — find out whether anything is still running and what sitting there has cost.
- Read equity next to balance. A gap between the two is a live position, not a rounding difference.
- Check the margin that position needs now, against the account as it stands now.
- Then try the trading login. If the client area lets you in but a terminal refuses the trading account, the record needs reactivating.
- Ask support to reactivate rather than opening a second account, so the history stays in one place.
- Bring your filed details up to date if you are asked to — sitting accounts are the ones that fall behind on that.
- Decide on purpose: keep it, wind it down, or close it in writing. A break is not a decision, and the record will keep waiting either way.
Terms move on while an account sits idle. Read the current ones before the first trade rather than after it.