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The comparison reads the same evidence fields used by broker profiles, so users can scan scores, regulation, costs, platforms, withdrawals, and caveats side by side.

Broker 1

Broker 2

VS field	HFM hfm.com Forex BrokerMulti Asset BrokerMetal CFD	XTB xtb.com CFD BrokerForex BrokerForex
Decision summary
Overall score

Trust score	89	90

Cost score	81	94

Platform score	94	94

Withdrawal score	86	86

Best for	CFD-focused HFM profile with strong official-source coverage, but several high-risk details require entity/region review before publication, especially leverage, account minimums,…	Strong low-cost multi-asset and CFD broker, but regional/entity differences are material: leverage, NBP, investor compensation, fees and country acceptance must be rendered per ju…

Watch out	Needs verification	Needs verification

Trust & regulation
Regulators	FCA, FSCA, Seychelles FSA, CMA Kenya, CySEC, DFSA (DFSA verified from regulator register) Source	FSC Belize, KNF Poland, FCA UK, CNMV Spain and CySEC Cyprus are disclosed across official XTB pages. Source
License numbers	183/12; 801701; 46632; SD015; 155; F004885; 22747 IBC 2015 Source	Key disclosed numbers: FSC Registration No. 6442514 / FSC License No. 000302/438; FCA FRN 522157; CySEC CIF 169/12; UK company number 07227848. Source
Regulated entities	HF Markets Group entities include Europe, UK, South Africa, Seychelles, Kenya, DIFC and St Vincent entities; regulation varies by entity. Source	XTB Group entities include XTB International Limited (Belize/FSC), XTB S.A. (Poland/KNF), XTB Limited (UK/FCA), XTB Sucursal (Spain/CNMV), and XTB Limited (Cyprus/CySEC). Source
Negative balance protection	Negative balance protection advertised: if balance goes negative, HFM automatically resets it to zero. Source	Negative balance protection is available for UK retail clients under XTB Limited, but international pages warn that losses can exceed deposits; treat as regional/entity dependent. Source
Investor compensation	Cyprus ICF membership for HF Markets (Europe) Ltd only; not universal across all HFM entities. Source	UK retail clients may be entitled to FSCS compensation up to GBP 85,000; Cyprus legal page lists an Investor Compensation Fund document; international Belize compensation not found. Source
Restricted countries	HFM does not offer services to residents of certain jurisdictions, including the USA, Canada, Sudan, Syria, Iran, North Korea, UAE, Türkiye and others. Source	XTB only accepts clients where it operates and with appropriate permits; XTB International accepted-country list is limited from March 2026; Brazil page is not created for Brazilian residents. Source

Trust & regulation

Regulators

FCA, FSCA, Seychelles FSA, CMA Kenya, CySEC, DFSA (DFSA verified from regulator register)

Source

FSC Belize, KNF Poland, FCA UK, CNMV Spain and CySEC Cyprus are disclosed across official XTB pages.

Source

License numbers

183/12; 801701; 46632; SD015; 155; F004885; 22747 IBC 2015

Source

Key disclosed numbers: FSC Registration No. 6442514 / FSC License No. 000302/438; FCA FRN 522157; CySEC CIF 169/12; UK company number 07227848.

Source

Regulated entities

HF Markets Group entities include Europe, UK, South Africa, Seychelles, Kenya, DIFC and St Vincent entities; regulation varies by entity.

Source

XTB Group entities include XTB International Limited (Belize/FSC), XTB S.A. (Poland/KNF), XTB Limited (UK/FCA), XTB Sucursal (Spain/CNMV), and XTB Limited (Cyprus/CySEC).

Source

Negative balance protection

Negative balance protection advertised: if balance goes negative, HFM automatically resets it to zero.

Source

Negative balance protection is available for UK retail clients under XTB Limited, but international pages warn that losses can exceed deposits; treat as regional/entity dependent.

Source

Investor compensation

Cyprus ICF membership for HF Markets (Europe) Ltd only; not universal across all HFM entities.

Source

UK retail clients may be entitled to FSCS compensation up to GBP 85,000; Cyprus legal page lists an Investor Compensation Fund document; international Belize compensation not found.

Source

Restricted countries

HFM does not offer services to residents of certain jurisdictions, including the USA, Canada, Sudan, Syria, Iran, North Korea, UAE, Türkiye and others.

Source

XTB only accepts clients where it operates and with appropriate permits; XTB International accepted-country list is limited from March 2026; Brazil page is not created for Brazilian residents.

Source

Costs & account conditions
Minimum deposit	From $0/€0 on several accounts; Pro $100/€100; InfinityX $500; Zero page has conflicting $0/€0 table vs $25 FAQ. Source	No minimum deposit on the international page; UK page lists 0 GBP / no minimum deposit. Source
Spread from	Spreads from 0.0 pips / Zero from 0 on Forex; Pro from 0.6, Premium/Cent from 1.4, InfinityX from 0.3. Source	Minimum spread is 0.5 on the international page and 0.3 on the UK page, so it is region/entity dependent. Source
Commission	Most listed accounts advertise no commission; Zero account charges commissions starting from $3 per 1 lot / $6 round turn per 100,000 FX. Source	Stocks/ETFs are commission-free up to EUR 100,000 monthly turnover, then 0.2% min EUR 10; CFD trading commission is advertised as 0%, with product-specific fees/markups in the fee table. Source
Maximum leverage	Up to 1:2000 on Cent/Zero/Pro/Premium; InfinityX advertises unlimited leverage; leverage may be adjusted. Source	Leverage is region/product dependent: international pages state a maximum of 1:500 for individual clients; UK account page states 1:30; real stocks and ETFs are not leveraged. Source
Deposit fee	HFM states no deposit fees; bank transfer row notes no fees for deposits over $100. Source	XTB advertises deposits as free, but international online payment fees include Skrill 2% and Neteller 1%; bank/payment-provider fees may apply. Source
Withdrawal fee	No HFM withdrawal fees; third-party bank/processor fees may apply. Source	International withdrawals above 50 USD are free and below 50 USD cost 30 USD; UK withdrawals are free; detailed fee table lists additional method-specific fees. Source
Inactivity fee	HFSV Client Agreement discloses monthly Dormant Fee tiers: $5, $10, $20, then prior year's monthly fee plus $10; no charge if balance is zero. Source	Account maintenance is free for active clients; otherwise a monthly fee of 10 EUR may be charged when stated inactivity conditions are met. Source

Costs & account conditions

Minimum deposit

From $0/€0 on several accounts; Pro $100/€100; InfinityX $500; Zero page has conflicting $0/€0 table vs $25 FAQ.

Source

No minimum deposit on the international page; UK page lists 0 GBP / no minimum deposit.

Source

Spread from

Spreads from 0.0 pips / Zero from 0 on Forex; Pro from 0.6, Premium/Cent from 1.4, InfinityX from 0.3.

Source

Minimum spread is 0.5 on the international page and 0.3 on the UK page, so it is region/entity dependent.

Source

Commission

Most listed accounts advertise no commission; Zero account charges commissions starting from $3 per 1 lot / $6 round turn per 100,000 FX.

Source

Stocks/ETFs are commission-free up to EUR 100,000 monthly turnover, then 0.2% min EUR 10; CFD trading commission is advertised as 0%, with product-specific fees/markups in the fee table.

Source

Maximum leverage

Up to 1:2000 on Cent/Zero/Pro/Premium; InfinityX advertises unlimited leverage; leverage may be adjusted.

Source

Leverage is region/product dependent: international pages state a maximum of 1:500 for individual clients; UK account page states 1:30; real stocks and ETFs are not leveraged.

Source

Deposit fee

HFM states no deposit fees; bank transfer row notes no fees for deposits over $100.

Source

XTB advertises deposits as free, but international online payment fees include Skrill 2% and Neteller 1%; bank/payment-provider fees may apply.

Source

Withdrawal fee

No HFM withdrawal fees; third-party bank/processor fees may apply.

Source

International withdrawals above 50 USD are free and below 50 USD cost 30 USD; UK withdrawals are free; detailed fee table lists additional method-specific fees.

Source

Inactivity fee

HFSV Client Agreement discloses monthly Dormant Fee tiers: $5, $10, $20, then prior year's monthly fee plus $10; no charge if balance is zero.

Source

Account maintenance is free for active clients; otherwise a monthly fee of 10 EUR may be charged when stated inactivity conditions are met.

Source

Markets, platforms & payments
Tradable assets	Over 500 markets including Forex, Metals, Stocks, Bonds, Indices, Energies, Commodities, Cryptos and ETFs, offered as CFDs. Source	Official pages list real stocks and ETFs, Investment Plans, and CFDs on forex, indices, commodities, stocks/ETFs and cryptocurrencies. Source
Trading platforms	MT4, MT5, HFM WebTrader, Mobile Trading / HFM Platform / HFM App. Source	XTB promotes an award-winning mobile application and web platform; account pages list Mobile, Desktop, Tablet availability and web app links go to xStation5. Source
Account types	Cent, Zero, Pro, Premium and InfinityX live account types observed on official pages. Source	XTB markets one simple account, offers swap-free accounts for certain eligible countries/entities, and offers a free training/demo account. Source
Deposit methods	Bank transfers, credit/debit cards and alternative payment methods. Source	Deposits are available by card, bank transfer, and online payments including Skrill and Neteller on the international page; UK page lists cards and bank transfer. Source
Withdrawal methods	Bank transfers, credit/debit cards and alternative payment methods. Source	Main withdrawal route on pages is a bank account in the client's name; the international fee table also lists withdrawal fees for credit cards and Skrill/Neteller/PayRetailers, implying availability in some contexts. Source
Withdrawal processing time	Bank/card withdrawals: 2-10 business days; alternative withdrawals: up to 24 hours or instant, method dependent. Source	Withdrawal processing is same/next business day on official pages, with UK payment allocation up to 3 business days. Source

Markets, platforms & payments

Tradable assets

Over 500 markets including Forex, Metals, Stocks, Bonds, Indices, Energies, Commodities, Cryptos and ETFs, offered as CFDs.

Source

Official pages list real stocks and ETFs, Investment Plans, and CFDs on forex, indices, commodities, stocks/ETFs and cryptocurrencies.

Source

Trading platforms

MT4, MT5, HFM WebTrader, Mobile Trading / HFM Platform / HFM App.

Source

XTB promotes an award-winning mobile application and web platform; account pages list Mobile, Desktop, Tablet availability and web app links go to xStation5.

Source

Account types

Cent, Zero, Pro, Premium and InfinityX live account types observed on official pages.

Source

XTB markets one simple account, offers swap-free accounts for certain eligible countries/entities, and offers a free training/demo account.

Source

Deposit methods

Bank transfers, credit/debit cards and alternative payment methods.

Source

Deposits are available by card, bank transfer, and online payments including Skrill and Neteller on the international page; UK page lists cards and bank transfer.

Source

Withdrawal methods

Bank transfers, credit/debit cards and alternative payment methods.

Source

Main withdrawal route on pages is a bank account in the client's name; the international fee table also lists withdrawal fees for credit cards and Skrill/Neteller/PayRetailers, implying availability in some contexts.

Source

Withdrawal processing time

Bank/card withdrawals: 2-10 business days; alternative withdrawals: up to 24 hours or instant, method dependent.

Source

Withdrawal processing is same/next business day on official pages, with UK payment allocation up to 3 business days.

Source

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