I don't know if you are aware but long positions on AUDCHF earn sizeable +ve swap with almost all brokers, so your Forexchief broker is cheatingOn a regular Forex platform there are positive and negative interest charged depending on the currency pair and order type. Forex is not as unregulated as you say it; if the brokers activities are regulated, I would say that is some good measures. While using the Forexchief platform I do pay about $2 for a leaving an AUDCHF long position open overnight. So, I am guessing your are talking about swap charges.
Yes interest is paid OR earned daily when that position is left open overnight.As for FX spot position there is no interest rate included
All the brokers I know, withhold some of +ve swap or add to -ve swap making it harder for a trader to make a buck.I get the impression that spot forex brokers generally charge higher interest for the leverage.