Updated September 29, 2026 · BrokerCue Editorial Team
Hfm Partners vs XTB
Hfm Partners vs XTB: the differences
| Compare |  Hfm Partners |  XTB |
|---|---|---|
| Minimum deposit | $5,000 | €0 |
| Markets | Forex, Metals, CFDs | Stocks, ETFs, Forex, CFDs, Crypto |
| Regulators | Cyprus Securities and Exchange Commission (CySEC), SIPC | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Platforms | MetaTrader 5, HFM WebTrader, HFM Platform | XStation 5, XStation Mobile |
| Stock trade fee | Not confirmed | €0 |
| Account fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €10 |
| Retail accounts that lose money | Not confirmed | 77% |
| Currency conversion fee | Not confirmed | 0.5% |
| Deposit and withdrawal fees | Not confirmed | Free deposits; free withdrawals above 100 EUR/USD |
| Maximum retail leverage | Not confirmed | 1:30 |
Same on both: Investor protection (EU ICS up to EUR 20,000).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- XTB scores higher overall: 9.3 vs 8.8.
- Regulators: only Hfm Partners offers SIPC.
- Regulators: only XTB offers FCA, KNF.
- XTB is licensed in 1 more country.
- Markets: only Hfm Partners offers Metals.
- Markets: only XTB offers Stocks, ETFs, Crypto.
- Platforms: only Hfm Partners offers MetaTrader 5, HFM WebTrader, HFM Platform.
- Platforms: only XTB offers XStation 5, XStation Mobile.
- Support channels: only XTB offers Chat, Phone.
- Features: only XTB offers Crypto.
Our verdict on each
Hfm Partners
Hfm Partners suits traders who can fund a larger starting balance, because its minimum deposit of $5,000 sits well above the entry amounts most brokers ask for here. CySEC and SIPC regulation adds cover, while email only support and a focused market list make it a less obvious choice for smaller accounts.
XTB
XTB suits retail traders who want to hold stocks, ETFs, forex, CFDs and crypto under one Cyprus-based account without a monthly charge. The account fee is €0, deposits cost nothing, and CySEC, FCA and KNF authorisations sit behind a legal entity founded in 2002.
Score breakdown
| Area | Hfm Partners | XTB |
|---|---|---|
| Cost | 8.1 | 9.1Higher |
| Offer | 8.8 | 9.3Higher |
| Trust | 9.5 | 9.6Higher |
Positions in our rankings
| Ranking | Hfm Partners | XTB |
|---|---|---|
| Forex brokers | 76 of 147 | 2 of 147 |
| Low-spread forex brokers | 74 of 145 | 2 of 145 |
| CFD brokers | 64 of 122 | 2 of 122 |
Where each is licensed and available
| Country | Hfm Partners | XTB |
|---|---|---|
| Cyprus | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 | |
| Poland | Not confirmed | |
| United Kingdom | Not confirmed | |
| United States | SIPC SIPC member 71021 | Not confirmed |
Feature by feature
| Markets | Hfm Partners | XTB |
|---|---|---|
| Stocks | No | Yes |
| ETFs | No | Yes |
| Forex | Yes | Yes |
| CFDs | Yes | Yes |
| Crypto | No | Yes |
| Metals | Yes | No |
Where these facts come from
Hfm Partners
- hfeu.com: 7 facts, checked September 26, 2026
- sipc.org: 1 fact, checked September 26, 2026
XTB
- xtb.com: 10 facts, checked September 26, 2026
- hello-brokers.com: 5 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- eupersonalfinance.eu: 1 fact, checked September 26, 2026
- linkedin.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Hfm Partners | XTB |
|---|---|---|
| Features | Mobile app, Demo account | Demo account, Mobile app, CryptoCovers more |
| Pricing model | Not confirmed | Commission free, Low fees |
| Audience | Not confirmed | Beginners |
| Legal entity | RB INTERNATIONAL MARKETS (USA) LLC | XTB Limited |
| Headquarters | Not confirmed | Cyprus |
| Founded | Not confirmed | 2002 |
| Support channels | Email, Chat, PhoneCovers more |
Where each stands against the rest
| Fact | Hfm Partners | XTB | Median |
|---|---|---|---|
| Stock trade fee | Not confirmed | €0below the median | €1 |
| Account fee | Not confirmed | €0at the median | €0 |
| Inactivity fee | Not confirmed | €10above the median | €2.45 |
| Retail accounts that lose money | Not confirmed | 77%highest quarter | 72.05% |
| Currency conversion fee | Not confirmed | 0.5%above the median | 0.45% |
Median across 52 listed brokers.
Pros and cons
Hfm Partners
Pros
- Regulated in Europe and the US under Cyprus Securities and Exchange Commission (CySEC) and SIPC.
- Mobile app and demo account both appear in mobile app and demo account.
- Platform choice spans MetaTrader 5, HFM WebTrader and HFM Platform.
Cons
- The minimum deposit of $5,000 puts it out of reach for small balances.
- Support runs on email only.
- Markets cover forex, metals and cfds only.
XTB
Pros
- Account fee of €0 on the standard account, and stock trades cost €0.
- Minimum deposit of €0, so the account opens without a funding floor.
- Regulated by CySEC, the FCA and KNF across Cyprus, the UK and Poland.
Cons
- An inactivity fee of €10 applies, unlike eToro, which has no such charge.
- Forex and CFD trading is not cost free: fx trading costs 0.5%.
- CFDs carry a high proportion of losing retail accounts, and XTB's own figure is 77%.
Who each suits
Hfm Partners
Who it suits
- Traders who can fund $5,000 and put regulation ahead of a low entry amount.
- Focused forex, metals and CFDs traders who want to practise on a demo account.
- EU traders covered by investor protection stated as EU ICS up to EUR 20,000.
Who should look elsewhere
- Anyone starting small: CFI asks a minimum deposit of $0.
- Traders wanting a wider market list, where eToro covers stocks, etfs and forex.
- Low balance traders who prefer a smaller entry: Vantage asks $5.
XTB
Who it suits
- Retail traders in the UK and Europe who want stocks, ETFs, forex, CFDs and crypto in one account
- Beginners who want a demo account and a mobile app before committing money
- Cost conscious traders who will not hold a balance large enough to trigger the inactivity fee
Who should look elsewhere
- Vantage, if a small minimum deposit of $5 suits a smaller starting balance better
- CFI, for traders who want forex and CFDs without paying an fx charge of 0.5%
- Anyone who plans to hold an idle balance for a long period, given the inactivity fee of €10
Questions about each
Hfm Partners
What is the minimum deposit at Hfm Partners?+
The stated minimum deposit is $5,000. CFI starts at $0 and Vantage at $5, so Hfm Partners sits at the heavy end of the range compared here. Anyone starting with a smaller balance would be better served by one of those.
Who regulates Hfm Partners?+
Regulation runs through Cyprus Securities and Exchange Commission (CySEC) and SIPC. The Cyprus licence reads 183/12 and the US membership SIPC member 71021. These are separate registrations in separate countries, so the entity your account sits under decides who supervises it.
XTB
What does XTB charge to open and hold an account?+
The account fee is €0, so there is no monthly or annual cost to keeping the account open. A stock trade costs €0 on the same account. The only recurring charge to watch is an inactivity fee of €10 for traders whose balance sits idle.
Is there a minimum deposit at XTB?+
The minimum deposit is €0, which means the account can be opened and funded with a small amount. It is a lower floor than the $5 asked by Vantage, so it suits a trader testing the platform before scaling up.
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