HFM Review 2026: Regulated Broker Overview

This HFM review for 2026 examines the online trading broker launched in 2010, registered across multiple jurisdictions and regulated by the FCA, DFSA, FSA, and CMA, offering access to 500+ instruments.

In practice, these regulators are financial authorities that set rules for broker conduct, supervise licensed firms, and can require standards such as client money handling, disclosures, and complaints processes. Multi-jurisdictional oversight can improve trust, but the exact protections you receive can vary depending on which HFM entity you open your account with.

• FCA (UK Financial Conduct Authority)
• DFSA (Dubai Financial Services Authority)
• FSA (Seychelles Financial Services Authority)
• CMA (Capital Markets Authority of Kenya)

Multi-jurisdictional regulation can strengthen broker credibility, but clients should still confirm which entity they are onboarded under and what protections apply to that specific license.

To suit different trader profiles and experience levels, HFM provides four account types, and each one can operate on the three trading platforms available.

The four account types are typically positioned as follows, with minimum deposits and conditions varying by region, base currency, and payment method:

• Cent Account:Designed for smaller position sizing (cent-denominated balances). Typical minimum deposit is around $5, depending on the funding method.
• Premium Account:A general-purpose account that is commonly spread-based. Typical minimum deposit is around $5.
• Pro Account:Often positioned for active traders seeking tighter spreads versus standard accounts. Typical minimum deposit is around $100.
• Zero Account:Commonly structured with very low or near-zero spreads on major pairs, with a separate commission per lot. Typical minimum deposit is around $100.

Each account type can generally be used on the three platform options offered:

• MetaTrader 4 (MT4):A widely used platform for forex and CFD trading, with support for Expert Advisors (EAs), custom indicators, and one-click trading.
• MetaTrader 5 (MT5):The newer MetaTrader version, typically with more order types, expanded market coverage/features, and improved strategy testing compared with MT4.
• HFM Mobile App:A broker mobile experience focused on account management and trading on the go (features can include deposits/withdrawals, position monitoring, and alerts, depending on region and app version).

Pricing options can include zero-commission trading, forex spreads starting from 0 pips, and swap-free availability on select instruments.

Trading fees are usually a combination of spreads and (on some accounts) commissions:

• Spread-only pricing:Often associated with Premium and Cent accounts, where the main cost is built into the spread.
• Lower spread plus commission:Often associated with Zero accounts, where spreads can be reduced and a separate per-lot commission applies.
• Active-trader pricing:Often associated with Pro accounts, which may offer tighter pricing conditions than standard accounts, subject to the entity and instrument.

Non-trading fees can vary, but traders commonly encounter items such as an inactivity fee after a prolonged period without account activity, third-party fees (bank or payment-provider charges), and currency conversion costs if you deposit/withdraw in a different currency than your account base. Deposit and withdrawal fees can depend on the method used and your location, so it’s important to review the funding page and the client portal for the specific HFM entity you are using.

For traders who require faith-based conditions, HFM can offer Islamic (swap-free) accounts on request, typically removing overnight swap/interest charges. Swap-free status may be limited to specific instruments or durations, and alternative charges (such as an administration fee) can apply depending on the instrument and holding period.

Funding is typically handled through the client portal. Supported methods can vary by region but commonly include bank transfer, credit/debit cards, and popular e-wallets and local payment options where available. The general process is:

• Deposit:Log in to the client area → chooseDeposit→ select a payment method → enter the amount and currency → follow the provider prompts → funds are credited once confirmed.
• Withdrawal:Log in to the client area → complete any required verification (KYC) → chooseWithdraw→ select the withdrawal method (often back to the original funding source where applicable) → enter the amount → confirm the request and wait for processing.

Withdrawal speed depends on the method and verification status. Broker-side processing is often completed within about 24 business hours once your request is approved, while the total time to receive funds can be longer (for example, bank transfers can take a few business days). Factors that can affect withdrawal timing include incomplete identity verification, compliance checks, weekends/holidays, banking intermediaries, and currency conversion.

On safety and security, regulated brokers typically implement measures such as encrypted data transmission for account access, identity verification (KYC/AML) controls, and segregation of client funds from company operating funds (subject to the rules of the specific regulator and entity). Client protection policies can also include risk disclosures, complaints handling procedures, and, in some regions, features like negative balance protection—though protections can differ by jurisdiction, so it’s important to confirm the entity and terms tied to your account.

Which Markets Are Available With HFM?

HFM provides access to 500+ instruments across the categories below:

The table below summarizes each instrument category, with examples and a short description of typical exposure.