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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.

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Broker 2
VS field
HFM

hfm.com

Forex BrokerMulti Asset BrokerMetal CFD
XTB

xtb.com

CFD BrokerForex BrokerForex
Decision summary
Overall score
86
89
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
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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.
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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.
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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.
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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.
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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.
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Maximum leverage
Up to 1:2000 on Cent/Zero/Pro/Premium; InfinityX advertises unlimited leverage; leverage may be adjusted.
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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.
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Deposit fee
HFM states no deposit fees; bank transfer row notes no fees for deposits over $100.
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XTB advertises deposits as free, but international online payment fees include Skrill 2% and Neteller 1%; bank/payment-provider fees may apply.
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Withdrawal fee
No HFM withdrawal fees; third-party bank/processor fees may apply.
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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.
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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.
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Account maintenance is free for active clients; otherwise a monthly fee of 10 EUR may be charged when stated inactivity conditions are met.
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Markets, platforms & payments
Tradable assets
Over 500 markets including Forex, Metals, Stocks, Bonds, Indices, Energies, Commodities, Cryptos and ETFs, offered as CFDs.
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Official pages list real stocks and ETFs, Investment Plans, and CFDs on forex, indices, commodities, stocks/ETFs and cryptocurrencies.
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Trading platforms
MT4, MT5, HFM WebTrader, Mobile Trading / HFM Platform / HFM App.
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XTB promotes an award-winning mobile application and web platform; account pages list Mobile, Desktop, Tablet availability and web app links go to xStation5.
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Account types
Cent, Zero, Pro, Premium and InfinityX live account types observed on official pages.
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XTB markets one simple account, offers swap-free accounts for certain eligible countries/entities, and offers a free training/demo account.
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Deposit methods
Bank transfers, credit/debit cards and alternative payment methods.
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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.
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Withdrawal methods
Bank transfers, credit/debit cards and alternative payment methods.
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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.
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Withdrawal processing time
Bank/card withdrawals: 2-10 business days; alternative withdrawals: up to 24 hours or instant, method dependent.
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Withdrawal processing is same/next business day on official pages, with UK payment allocation up to 3 business days.
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BrokerVS provides broker comparison research only. Scores and evidence can vary by country, account type, and legal entity; users should verify source links before opening an account.