Swap rate calculations with strange multiplications 3X and 4X on weekdays, special days or national holidays is fair? ʕ•́ᴥ•̀ʔっ

Beginner Questions
1

Hiya,

I have noticed that for some trades that I placed on Spot-forex major pairs, my trading position’s Swap rate is about a certain number on average for each of the Spot-Forex major pairs, depending on each Spot-Forex major pair, the Swap have an about average rate.
Recently I have a Spot-Forex major pair that its Swap was about -13EUR/Day~-14EUR/Day for one million trading position size in that Spot-Forex major pair. But when I checked the Swap rates applied, I noticed the Swap rates for the same Spot-Forex major pair instrument is sometime about three times of the actual Swap price rate of that day that is mentioned on the broker’s website for that Forex-major pair. And sometimes it the trading position encounters a Swap that passes on a national holiday, its four-times of the actual Swap price rate of that day that is mentioned on the broker’s website for that Spot-forex major pair. e.g. Assuming GBP/USD has about -17EUR/Day~-20EUR/Day Long/Short Swap rate in this broker for 1-Mio trading position size. Firstly we notice that whether Long or Short, I’m losing money on Swap rates as both are negative. Secondly, I noticed that in some days broker applied -20EUR3=-60EUR/Day for the same 1-Mio GBP/USD position size per day. And is some days it was worse as the broker applied -20EUR4=-80EUR/Day Swap rate for the same 1-Mio GBP/USD trading position size.
The broker calculates Swap rates by parameters as TradeDate and ValueDate and if the ValueDate that is TradeDate+Xdays is a specific day of the week, the Swap rate applicable for that day is three-times the actual Swap rate mentioned on the broker’s website. And if the ValueDate is a national holiday, the Swap rate applicable for that day is four-times the actual Swap rate mentioned on the broker’s website. Is this legal and fair practice? :star_struck: :money_mouth_face: :lying_face:

I want to know how the America’s Spot-Forex brokers will calculate this and will they applying the 3X and 4X higher Swap rate while the TradeValue date is accordingly specific day of the week of a national holiday?

What other large scale brokers have the lowest Swap rates?

Tnx and best of luck :blush: