XTB
HFM
VS
Compare
XTB
Capital at risk · T&Cs apply
Choosing between XTB and HFM depends on your trading style, preferred markets, and budget. XTB is headquartered in Warsaw, Poland, while HFM operates from Limassol, Cyprus. XTB has the longer track record, established in 2002, compared to HFM which was founded in 2010. This in-depth comparison covers regulation, fees, platforms, markets, and overall ratings to help you decide which broker is the better fit in 2026.
XTB
HFM
| XTB | HFM | |
|---|---|---|
| BrokerRank Score | 3.8/5 ✓ | 3.8/5 |
| Min. Deposit | $0 ✓ | $5 |
| Spread from | 0.1 pips | 0 pips ✓ |
| Max Leverage | 1:500 | 1:2000 ✓ |
| Regulation | FCA, CySEC | FCA, CySEC, FSCA ✓ |
| Platforms | Proprietary Web, Proprietary Mobile, MT4 | MT4, MT5, Proprietary Mobile |
XTB (3.8/5) and HFM (3.8/5) are closely matched. HFM has lower spreads; the better pick depends on your priorities.
See full side-by-side comparison belowXTB
HFM
XTB
HFM
XTB holds licences from FCA, CySEC. HFM is regulated by FCA, CySEC, FSCA.
Both brokers offer access to Forex, Cfd, Stocks, Indices, Commodities markets.
On spreads, HFM is more competitive with EUR/USD spreads from 0.0 pips, compared to 0.1 pips at XTB.
XTB supports Proprietary Web, Proprietary Mobile, MT4. HFM offers MT4, MT5, Proprietary Mobile. Both brokers are available on Proprietary Mobile, MT4.
XTB requires no minimum deposit, while HFM sets a minimum deposit of $5. This makes XTB accessible to traders with any budget.
BrokerRank scores XTB at 3.81/5 and HFM at 3.78/5, based on 50+ data points covering regulation, fees, platforms, markets, and user experience. XTB leads overall with a marginal advantage.
XTB
3.8/5
Choose XTB if you want…
HFM
3.8/5
Choose HFM if you want…
XTB (3.8/5) and HFM (3.8/5) are closely matched on our independent rating scale. The better choice depends on your priorities — fees, regulation, platforms, or available markets. See the full comparison above.
XTB offers spreads from 0.1 pips, while HFM starts at 0 pips. Check the fees section above for a full breakdown.
XTB requires a minimum deposit of $0. HFM requires $5.
XTB is regulated by FCA, CySEC, while HFM holds licences from FCA, CySEC, FSCA.
XTB supports Proprietary Web, Proprietary Mobile, MT4. HFM supports MT4, MT5, Proprietary Mobile.
Yes, you can hold accounts at multiple brokers simultaneously. Many traders diversify across platforms to access different markets and tools.
Only 26% of Brokers Are Truly Fee-Free
BrokerRank Research — Hidden costs across 345 brokers
58% of Brokers Hold a Single Licence
BrokerRank Research — Regulation quality analysis
71% of Retail Traders Lose Money
BrokerRank Research — Loss rates across 50 EU brokers
76% of Brokers Use Proprietary Platforms
BrokerRank Research — MT4 vs MT5 vs proprietary
Trading involves risk. Past performance is not indicative of future results. Capital at risk. Full risk disclosure.