HFM’s trading costs depend on the account type, instrument, trade size, holding period and legal entity used to open the account. Its international offering currently includes spread-only accounts such as Cent, Pro and Premium, as well as the commission-based Zero account. HFM also offers the specialised InfinityX account in eligible regions.
The lowest advertised forex spread is 0 pips on the Zero account, but commission applies. HFM’s Premium and Cent accounts advertise spreads from 1.4 pips, while Pro starts from 0.6 pip without a separately advertised forex commission. These are minimum variable spreads, not guaranteed average trading costs.
Important: HFM’s fees and available account conditions vary by country, legal entity, client classification and financial instrument. All figures on this page were checked against HFM’s international website in 2026. Confirm the contract specifications and fee schedule displayed for your account before trading.
What is HFM’s minimum spread?
HFM advertises forex spreads from 0 pips on selected symbols through the Zero account. Commission applies, so the total cost is not zero.
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| 🥇 |  | FSCA, FSC, FSA | Read Review | $50 | 1:3000 |  |
| 🥈 |  | ASIC, FSA, CBI, BVI, FSCA, FRSA, CySEC, ISA, JFSA | Read Review | $100 | 1:400 | |
| 🥉 |  | FSA, CySEC, FSCA, FSC | Read Review | $10 | 1:3000 | |
| 4 |  | FCA, CMA, FSC, SCA | Read Review | $30 | 1:3000 | |
| 5 | | FSCA, FCA, FSA, CMA, St. Vincent & the Grenadine | Read Review | $0 | 1:2000 | |
| 6 |  | Globally regulated with multiple licences from respected financial regulators. | Read Review | $10 | 1:2000 | |
| 7 |  | FSC, CySEC, ASIC | Read Review | $5 | 1:3000 | |
| 8 |  | ASIC, BaFin, CMA, CySEC, DFSA, FCA, SCB | Read Review | $10 | 1:30 for retail EEA/UK | |
| 9 |  | FSC | Read Review | $10 | 1:200 | |
| 10 |  | ASIC, CySEC, FSCA, FSA | Read Review | $100 | 1:500 | |
How much commission does HFM charge?
The Zero account currently charges forex commission from $3 per side per standard lot, equal to $6 round turn. Gold commission is $10 round turn per 100 ounces.
HFM Fees and Spreads – Key Point Quick Overview
- Overview
- Fees, Spreads, and Commissions
- HFM Spreads by Account Type
- Minimum Spread vs Typical Spread
- Are HFM’s Spreads Competitive?
- In Conclusion
- Frequently Asked Questions
Overview
Established in 2010, HFM has developed into a well-known global brokerage. Backed by multiple regulatory approvals, award-winning trading platforms, and a client-focused approach, the broker blends modern technology, trader education, and regulatory oversight to support a large and diverse international trading community.
Frequently Asked Questions
Why is HFM considered a reliable online broker?
HFM operates under the HFM Group, an international brokerage group regulated by respected authorities such as the FCA, FSA, FSC, FSCA, and CMA. Its long-standing market presence, extensive regulatory coverage, numerous industry awards, and millions of registered trading accounts collectively highlight its commitment to transparency, stability, and consistent service quality.
Is HFM suitable for beginner traders?
Yes. HFM provides an extensive range of educational resources, including webinars, video guides, trading tools, and mobile applications. The platform is designed to be accessible for newcomers while still offering advanced functionality, ensuring traders at all experience levels are well supported.
Expert Insight
HFM has positioned itself as a leading global trading broker with a strong emphasis on regulation and client experience. During our testing of the EUR/USD pair, we recorded spreads starting from 0.1 pips on ECN accounts, along with rapid order execution and no requotes, reinforcing HFM’s reputation for competitive trading conditions and dependable performance.
Fees, Spreads, and Commissions
HFM delivers flexible pricing through a variety of account options. With spreads starting from just 0.0 pips and tailored commission structures, traders can optimize costs based on their strategy. Swap-free options and $0 minimum deposits further enhance HFM’s appeal for global traders.
| Account | Spreads From | Forex Commission | Pricing Model | Main Cost Consideration |
| InfinityX | 0.3 pip | No separate forex commission advertised | Spread-based | Availability and conditions are restricted |
| Cent | 1.4 pips | No separate forex commission advertised | Spread-based | Smaller contract size but wider starting spread |
| Zero | 0 pips on selected forex symbols | From $3 per side per standard lot | Raw spread plus commission | Spread and commission must be combined |
| Pro | 0.6 pip | No separate forex commission advertised | Lower spread-based pricing | Higher minimum deposit than several other accounts |
| Premium | 1.4 pips | No separate forex commission advertised | Standard spread-based pricing | Wider starting spread than Zero and Pro |
Frequently Asked Questions
What spreads can I expect on HFM accounts?
HFM offers spreads starting from 1.2 pips on Cent accounts, 0.0 pips on Zero accounts, and 0.2 pips on Pro and Pro Plus accounts. These spreads are variable, adjusting with market conditions to maintain competitive pricing.
Does HFM charge commissions on trades?
Commissions at HFM vary by account type and asset. Zero accounts generally feature lower commissions, while Cent and Premium accounts may have none. This structure lets traders select the best account based on their trading volume and strategy.
Our Verdict
HFM provides a flexible pricing model with competitive spreads and adaptable commissions. Offering 0.0 pip spreads for professional accounts and commission-free Cent accounts for beginners, HFM allows traders to manage costs effectively while trading a broad range of instruments.
HFM Spreads by Account Type
HFM uses variable spreads. This means the bid–ask difference can change according to liquidity, market volatility, trading session, and instrument.
| Account | Spreads From | Forex Commission | Pricing Model | Main Cost Consideration |
| InfinityX | 0.3 pip | No separate forex commission advertised | Spread-based | Availability and conditions are restricted |
| Cent | 1.4 pips | No separate forex commission advertised | Spread-based | Smaller contract size but wider starting spread |
| Zero | 0 pips on selected forex symbols | From $3 per side per standard lot | Raw spread plus commission | Spread and commission must be combined |
| Pro | 0.6 pip | No separate forex commission advertised | Lower spread-based pricing | Higher minimum deposit than several other accounts |
| Premium | 1.4 pips | No separate forex commission advertised | Standard spread-based pricing | Wider starting spread than Zero and Pro |
The account conditions above reflect HFM’s international account information. They should not be presented as universally available in every jurisdiction.
Minimum Spread vs Typical Spread
A minimum spread is the lowest spread a broker advertises under qualifying market conditions. It is not the spread a trader should expect on every order.
Spreads may widen during:
- Major economic announcements.
- Market openings and closings.
- Low-liquidity periods.
- Unexpected political or economic events.
- Weekends or holiday sessions.
- Sharp price movements.
- Periods of reduced market depth.
A meaningful fee review should distinguish between:
- Minimum advertised spreads.
- Typical or average spreads.
- Live spreads during normal trading.
- Spreads during volatile conditions.
HFM’s public account pages primarily advertise minimum spreads. ForexSuggest should not label these as average or guaranteed spreads unless separately verified.
Are HFM’s Spreads Competitive?
HFM’s competitiveness depends on the account selected.
The Zero account’s $6 round-turn forex commission is below some published industry commission averages, but the final cost also depends on the live raw spread. Independent comparison data has placed HFM’s raw EUR/USD spread near 0.2 pip, and its standard-account EUR/USD spread near 1.4 pips, although these observations are not guaranteed future execution results.
Based on advertised pricing:
Zero is potentially more competitive for frequent traders who receive low raw spreads.
Pro may suit traders wanting lower spreads without separate forex commission.
Premium and Cent offer simpler pricing but start from wider spreads.
InfinityX offers lower advertised spreads but has restricted and high-risk conditions.
HFM should not be described as the cheapest broker without a defined comparison method, matching trade sample and current competitor dataset.
In Conclusion
HFM provides a well-rounded selection of account types with flexible trading conditions, including swap-free accounts for those who follow Islamic principles. The low minimum deposit and competitive spreads across all accounts ensure that traders can access the markets at low cost, while high leverage and advanced platforms provide the tools needed for both beginners and experienced traders to succeed.
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Frequently Asked Questions
Can I open a Cent Account without any deposit?
Yes, the Cent Account requires no minimum deposit to get started.
What is the maximum leverage available on HFM accounts?
Leverage goes up to 1:2000, depending on the account type.
Are there any hidden fees with HFM accounts?
No, HFM has no hidden fees, and swap-free accounts eliminate interest charges.
Can I trade on the MetaTrader 4 platform with all account types?
Yes, all accounts (Cent, Zero, Pro, Pro Plus, and Premium) support MT4, MT5, WebTrader, and mobile trading.
What are the maximum simultaneous open orders allowed on HFM accounts?
All accounts support up to 500 simultaneous open orders.
Is the Zero Account suitable for beginner traders?
Yes, the Zero Account is ideal for beginners due to its no minimum deposit requirement and tight spreads.
Do I need a specific platform for Islamic accounts?
No, Islamic Accounts are available on MT4, MT5, WebTrader, and mobile platforms, just like regular accounts.
What is the minimum trade size for the Pro Account?
The minimum trade size for the Pro Account is 0.01 lots.
Are there any restrictions on trading instruments with the Zero Account?
No, the Zero Account allows access to all available trading instruments.
Can I convert my existing account to an Islamic Account?
Yes, you can convert your existing account to an Islamic Account by contacting HFM’s customer support.
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