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XM vs HFM

Side-by-side broker comparison covering rebates, spreads, leverage, regulation, and platforms.

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XM
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HFM logo
HFM
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FeatureXMHFM
RebateUpto $18/lotUpto $12/lot
Rebate %100%100%
Min deposit$30$30
Max leverage1:10001:2000
SpreadsFrom 30 pipsFrom 0.1 pips
Withdrawal timeInstant1-2 business days
RegulatorsCySEC, FSC, ASIC, DFSA, FCAFCA, CySEC, DFSA, FSCA, CMA, FSC, FSA
PlatformsMT4, MT5, XM WebTrader, XM App, TradingView, WebTrader, Mobile AppMT4, MT5, HFM Platform
CategoryFOREXFOREX

Rebate by Instrument

FeatureXMHFM
AUDUSD$8.1$8.55 - $9
BTCUSD$18$19 - $20
ETHUSD$1.3$1.9 - $2
EURUSD$8.1$8.55 - $9
GBPUSD$10.8$8.55 - $9
GOLD$18—
NZDUSD$9$8.55 - $9
OILCASH$1.94—
SILVER$81—
USDJPY$8.1$8.55 - $9
USOIL—$0
XAGUSD—$10.45 - $11
XAUUSD—$11.4 - $12

Account Types

XM

  • Standard / Standard Micro
    Min deposit: $30 · Max leverage: 1:1000 · Rebate %: 100%
  • Ultra Low / Micro Ultralow
    Min deposit: $30 · Max leverage: 1:1000 · Rebate %: 100%

HFM

  • Premium / Cent
    Min deposit: $30 · Max leverage: 1:2000 · Rebate %: 95% - 100%
  • Pro
    Min deposit: $30 · Max leverage: 1:2000 · Rebate %: 95% - 100%
  • Zero
    Min deposit: $30 · Max leverage: 1:2000 · Rebate %: 95% - 100%
  • Top Up
    Min deposit: $30 · Max leverage: 1:2000 · Rebate %: 95% - 100%

Regulation Detail

XM

  • CySEC · —
    See regulator website for client-protection details.
  • FSC · —
    See regulator website for client-protection details.
  • ASIC · Australia
    Strict client-fund segregation, 1:30 retail leverage cap.
  • DFSA · —
    See regulator website for client-protection details.
  • FCA · United Kingdom
    FSCS up to £85,000 per client, 1:30 retail leverage cap.

HFM

  • FCA · United Kingdom
    FSCS up to £85,000 per client, 1:30 retail leverage cap.
  • CySEC · —
    See regulator website for client-protection details.
  • DFSA · —
    See regulator website for client-protection details.
  • FSCA · South Africa
    Conduct supervision, no statutory compensation scheme.
  • CMA · —
    See regulator website for client-protection details.
  • FSC · —
    See regulator website for client-protection details.
  • FSA · Seychelles
    Offshore licence, lighter retail protection.

Why pick XM

  • ✓Higher rebate per lot (Upto $18/lot vs Upto $12/lot), direct cost reduction for active traders.
  • ✓Wider platform support (MT4, MT5, XM WebTrader, XM App, TradingView, WebTrader, Mobile App).

Why pick HFM

  • ✓Regulated by more authorities (7 vs 5), broader cross-jurisdiction oversight.

Verdict

Both XM and HFM are viable choices. XM edges ahead for cost-conscious active traders thanks to a meaningfully higher rebate.

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