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

Broker Name

HFM

XTB

Broker Overview

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

Market maker broker

Market maker

Years of Existence / Established Year

2010

2002

Customer Base / Number of Accounts

2500000 clients

2 Million

Regulation & Security

Regulations (governing bodies)

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

FCA, KNF, CySEC, DFSA, BaFin, FSCA, and 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

Best for low cost ISA 2025, Best CFD Broker of 2025, Europe's fastest growing company 2025, Highly Recommended Finder Awards 2024,

Security Measures

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

FSCS

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

11400+ trading instruments, including an investment plan

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)

Equities

Yes

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

X station

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Account Types & Conditions

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

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

Standarad, Professional

Demo Account (Yes/No)

Yes

Islamic Accounts (Yes/No)

Yes

Minimum Deposit

Leverage Available

1:1000- 1:2000

1:2 to 1:500

Trade Limit (maximum per trade)

60/ 200 Standard lots per position depends on account types

Depends on 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 transfers, credit and debit cards, e-wallets

Withdrawal Methods

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

bank transfers, credit and debit cards, e-wallets

Other E-Wallets Supported

FasaPay, Neteller

Skrill, Neteller

Tools & Educational Resources

Economic Calendar

Yes

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

Webinars, eBooks and Guides, Video Tutorials

Educational Articles and Market Articles

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

Spread 0.1 to 0.8 pips, Stock transfer fee- USD 25, ETF commission- 0.2%

Spread (typical, fixed, variable)

Variable

Per Lot Fees

0.08% per lot, or 0.16% per round turn

Options Contract Fees

Futures Contract Fees

Markup Fees on Spread

Guaranteed Stop Loss Fees

Maximum Leverage

34:20:00

(1:500)

Non-Trading Fees

Dormant Fees

$10 inactive for 90 days

Charges apply 12 months of inactivity

Subscription Fees (for premium features, data feeds)

Advisory Fees

0% advisory fee for cash-enhanced portfolio, 0.30% annual advisory fee for market-focused portfolio, 0.75-0.85% annual advisory fee for personal advice

Swap Fees (Overnight Financing)

Statement or Document Fee

Account Opening Fee

Account Maintenance Fee

Deposit Fee

$0- Bank transfer, Visa, Mastercard, or Maestro, 2% fee for deposits via Skrill.

Currency Conversion Fee

0.50%

Withdrawal Fee

$0 - above $50, £5 or $20 fee for withdrawals below £50 or $50

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

22:00 on Sunday to 21:00 on Friday GMT.

Customer Support

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

24/5

(24/5)

Customer Support Methods (phone, email, live chat)

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

Phone: +48 222 739 976, Live chat, E-mail: [email protected]

Support Languages

27+

Additional Information

Headquarters Location

financial hub of Limassol, Cyprus

Poland

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.

Both HFM and XTB offer affordable fee structures, but HFM generally edges out with no inactivity fees and lower commissions on standard trades, whereas XTB shines with bundled research and platform access.

While HFM prioritizes fast registration with minimal steps, XTB focuses on a thorough vetting process that gives more flexibility in choosing account types and features.

The trading interface of HFM is known for its speed and ease-of-use, while XTB shines with its customizable layouts and advanced charting capabilities, making it a strong choice for serious analysts.

If you're after professional-grade platforms, HFM may be ideal. For casual investors, XTB offers a low-barrier entry.

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