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Unfortunately, UMB does not offer a demo account, which is a significant limitation for new traders who want to practice before using real funds. A demo account is an essential feature for traders who need to familiarize themselves with a platform and test strategies in a risk-free environment. In my opinion, the lack of a demo account could deter beginners from trying out UMB’s services, as they would have to risk their own money without prior experience. If you are still considering using UMB, you might want to read UMB reviews to see if other users have found ways to work around this limitation.