HFM vs Trading 212 : Fees, Safety & Trading Conditions Compared (2026)

Broker Name

HFM

Trading 212

Broker Overview

Broker Type (e.g., Market Maker, ECN/STP)

Market maker broker

STP broker

Years of Existence / Established Year

2010

2003

Customer Base / Number of Accounts

2500000 clients

3 million- lifetime funded account

Regulation & Security

Regulations (governing bodies)

FSC, CySEC, DFSA, FCA, ISA, FSCA, MAS, CMA, FMA

FCA, CySEC, ASIC, FSC

Awards Won (count for the last 2 years)

Best Global Affliiate Programs 2024, Best Trading Accounts Global, Best Stock Broker 2023, Best Trading Platform Broker

No major awards listed

Security Measures

Civil Liability insurance program with a limit of €5,000,000

ICF

SSL Encryption / 2FA

Yes

Segregated Funds

Yes

Negative Balance Protection

Yes

Trading Instruments/Products Offered

Assets Types / Trading Instruments (total count and breakdown)

Over 500 markets including energies

13,000+ Global stocks and ETFs

Currency Pairs

Yes

Commodities

Yes

Indices

Yes

Cryptocurrencies

Yes

CFDs

Yes

ETFs

Yes

Stocks

Yes

Options

Futures

Bonds

Yes

Mutual Funds

Fractional Shares

Yes

Exchange Traded Notes (ETNs)

Precious Metals

Yes

Real Estate Investment Trusts (REITs)

Yes

Equities

Trading Platforms & Technology

Trading Platform Availability

Yes

MT4

Yes

MT5

Yes

cTrader

Social Trading

Yes

Copy Trading

Yes

Other Trading Platforms (proprietary, etc.)

HFM Platform, Web trading, Mobile trading

Trading 212 web and mobile trading platform

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Account Types & Conditions

Account Types (Retail, Pro, VIP, etc.)

Cent, Zero, Pro , Premium, Corporate, Joint account

Invest, CFD, Stock ISA, and cash ISA

Demo Account (Yes/No)

Yes

Islamic Accounts (Yes/No)

Yes

Minimum Deposit

£1, €1, $1

Leverage Available

1:1000- 1:2000

1:30

Trade Limit (maximum per trade)

60/ 200 Standard lots per position depends on account types

Depends on the assets class

Commission (per account type)

Best Suited For (e.g., beginners, experienced traders)

Beginners to experienced traders

Deposit & Withdrawal Options

Deposit Methods

Bank Transfers, Wire transfers, Credit/Debit cards,Crypto, e-Wallets

Bank transfer, Instant bank transfer, Card payments, Online banking PL, Carte Bleue, Blik, Direct e-banking, e-wallets

Withdrawal Methods

Bank Transfers, Wire transfers, Credit/Debit cards,Crypto, e-Wallets

Bank transfer, Instant bank transfer, Card payments, Online banking PL, Carte Bleue, Blik, Direct e-banking, e-wallets

Other E-Wallets Supported

FasaPay, Neteller

Apple Pay, Google Pay, PayPal, iDEAL

Tools & Educational Resources

Economic Calendar

Yes

Tools & Educational Resources (tutorials, webinars, market news, etc.)

Webinars, eBooks and Guides, Video Tutorials

Trading Academy, Market News and Analysis, Webinars, Video Tutorial, Trading Guides and eBooks

Fees & Commissions

Trading-Related Fees

Spread: starts from 0.0- 1.2 pips, commissions: $0.03 per 1k lot, Commission for Forex: $0.03 - $3, gold: $7- $14

FX fees- 0.5%

Spread (typical, fixed, variable)

Variable

Per Lot Fees

Options Contract Fees

Futures Contract Fees

Markup Fees on Spread

Guaranteed Stop Loss Fees

Maximum Leverage

34:20:00

1:30

Non-Trading Fees

Dormant Fees

$10 inactive for 90 days

Subscription Fees (for premium features, data feeds)

Advisory Fees

Swap Fees (Overnight Financing)

Yes

Statement or Document Fee

Account Opening Fee

Account Maintenance Fee

Deposit Fee

0.70%

Currency Conversion Fee

0.15%

Withdrawal Fee

Bonuses, Promotions & Benefits

Bonuses, Promotions, and Referrals

Yes

Customer Benefits (e.g., Retirement Plan)

Trading Hours

Trading Hours (for each asset class if applicable)

Varies by instrument

pre-market session from 04:00 - 09:30 ET, regular trading from 09:30 - 16:00 ET, after-hours session from 16:00 - 20:00 ET

Customer Support

Support Hours (e.g., 24/7, weekdays only)

24/5

24/7

Customer Support Methods (phone, email, live chat)

Live support: Available 24/5, Email : [email protected], Phone: +44-203 097 85 71

Live chat, E-mail- [email protected] Phone- +447385762101

Support Languages

27+

18+

Additional Information

Headquarters Location

financial hub of Limassol, Cyprus

Aldermary House, 10-15 Queen Street, London, EC4N 1TX.

Complaints (for crypto brokers)

At TradingCritique, we don't just list brokers. We test, compare, and simplify your decision-making. Whether you're a beginner or a pro, our data-driven comparisons are built to match your trading style and region. Learn how we Evaluate a broker.

HFM stands out for its zero-commission trading model, appealing to cost-conscious investors. In contrast, Trading 212 offers more comprehensive services with slightly higher fees, especially for advanced tools and asset classes.

HFM gets you trading faster thanks to its minimal entry barriers. In comparison, Trading 212 account setup is slower but includes extra layers of financial screening and suitability assessments.

Traders who value simplicity and execution speed may prefer HFM platform. Meanwhile, Trading 212 offers more flexibility through tools like advanced order types and multi-screen support.

HFM delivers a robust ecosystem for seasoned traders, whereas Trading 212 focuses on ease of access and modern usability.

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