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From my hands-on experience and research into Phillip Securities, I’ve found that while their fee structure is not always fully transparent online, there are a few practical elements worth highlighting for those considering this broker. First, reviews suggest that commissions are competitive—some users specifically mention “low commissions” as a clear benefit in their trading experience. This lines up with my own experience, where trading costs tended to be contained, especially compared to regional peers. That being said, I must exercise caution in assuming uniformity, especially since I did not find an official, detailed fee schedule or specific figures for spreads listed in their public resources. In my view, this lack of transparency means prospective traders should be prepared to directly engage with the firm or carefully review the account application process for detailed costs before committing significant capital. I have found that withdrawal fees and processing times are within reasonable industry norms—my own withdrawals generally matched the positive user feedback about being processed in under 48 hours, and without surprise fees. Their regulatory status under the Japanese FSA offers an additional layer of security, but for me as a safety-conscious trader, the absence of a demo account and concrete, upfront disclosure of spreads or commission rates does remain a drawback. Overall, Phillip Securities’ commissions and withdrawal fees haven’t hindered my trading, but I recommend others carefully confirm all costs in writing to ensure alignment with personal risk tolerance and trading style.