Your broker may have a different convention for calculating pip value relative to lot size but whichever way they do it, they'll be able to tell you what the pip value is for the currency you are trading is at the particular time. As the market moves, so will the pip value depending on what currency you are currently trading. I am trading with Forex4you and using their cent account where pip is 0.0001. I can use my account without commission.
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