HFM(formerly HotForex) offerssix account types: KATANA account, Premium account, Pro account, Zero account, Cent account, and Top-Up Bonus account(HFMofficial website "Trading Account Comparison," as of October 9, 2026). The KATANA account, released in April 2026, expands the options for maximum leverage, spreads, and stop-loss levels.

The six account typeshave different conditions for each account. For example, only the Zero Account charges trading fees for FX currency pairs, only the Top-Up Bonus Account offers deposit bonuses, and only the Cent Accounthas a lot size of 1,000 units of currency. Understanding these differences will help you determine which account is right for you.

This article summarizesHFMofficial website, including the specifications of six trading accounts, the actual costs (including spreads and fees), recommendations based on different purposes, and points to note before opening an account , as of October 9, 2026, based on information published on account comparison pages, individual account pages, trading product pages, and the official blog

*This article was created by the MoneyCharger editorial team in accordance with their content creation policy , based onHFMofficial website (account type comparison, individual account pages, trading product pages, help FAQ) and official blog (account type list, details of each account, account opening method, demo account, spreads, swap-free, copy trading) as of October 9, 2026. For items where values ​​differ between the official website and the official blog, the values ​​on the account type comparison and individual account pages take precedence, and the blog information is included alongside the official information with the source clearly indicated. Account conditions may change, so please check the latest information on the official website before opening an account. For precautions regarding the use of overseas FX brokers, please also refer to the information published by information published on the Financial Services Agency , and for investment-related solicitation troubles, please refer to the information published by the Consumer Affairs Agency

HFMhas 6 different account types | Specifications comparison list

The specifications of the six accounts listed on the "Trading Account Comparison" page of HFMofficial website are listed exactly as they are. The platform (MT4, MT5, WebTrader,HFMapp) and minimum trade size (0.01 lots) are the same for all accounts, and zero cut (no margin calls) is also listed as "available" for all accounts on the official blog's account list

item	KATANA account	Premium Account	ProDrive	Zero Account	Cent account	Top-up bonus account
Maximum leverage	Unlimited	2,000 times	2,000 times	2,000 times	2,000 times	1,000 times
spread	0.3 pips ~	1.4 pips ~	0.6 pips ~	0.0 pips and up (FX currency pairs)	1.4 pips ~	1.4 pips ~
Transaction fees (FX currency pairs)	none	none	none	Yes (6 dollars round trip per lot)	none	none
Minimum deposit amount	$500 / approx. $500.00	No settings	$100 / approx. $81.25	No settings	No settings	No settings
1 lot	100,000 currency	100,000 currency	100,000 currency	100,000 currency	1,000 units of currency	100,000 currency
Margin Call / Stop Loss	20%／0%	50%／20%	50%／20%	50%／20%	50%／20%	50%／20%
Trading products	FX, Metals, Indices, Cryptocurrencies, Energy	All products	All products	All products	FX and Gold	All products
Account currency	USD, EUR, JPY	USD, EUR, JPY	USD, EUR, JPY	USD, EUR, JPY	JPY/USC (US cents)	USD, EUR, JPY
Swap-free	○	○	○	○	○	×
Deposit Bonus	×	×	×	×	×	○

Looking at the table horizontally,, using the Premium account as a baseline, the KATANA Pro Zero account is "cost-conscious," the Cent account is "small-amount," and the Top-Up Bonus account is "bonus-focused." Only the KATANA account has a stop-loss level of 0% (the others are 20%). Also, the KATANA account has a limited range of major instruments, while the Cent account is limited to FX and gold.

The "Copy Accounts" (CopyPro, CopyCent, CopyPremium) for copy trading are separate accounts specifically for copy trading, distinct from the six regular accounts (official blog). More details will be explained later in the " HF Copy Account" section

HFM KATANA Account | Unlimited Leverage and Top Tier Account Starting from 0.3 pips

The KATANA account isHFM's newest account type, released in April 2026. The official account page highlights its features as "no margin required, unlimited leverage," "no fees," "0% stop-loss level," and "no swaps." It has the highest minimum deposit of the six accounts at $500 (approximately $500.00), and is limited to one account per person (official blog)

Specifications of HFM's KATANA account

Maximum leverage	Unlimited (within the specified lot size)
spread	0.3 pips ~ (Published values: EUR/USD 0.5, USD/JPY 0.4 pips)
Transaction fees	none
Minimum deposit amount	$500 / €430 / approx. $500.00 (first deposit only)
Margin Call / Stop Loss	20%／0%
Maximum lot size/position	60 lots per position, maximum 500 positions
Trading products	FX: 30 currency pairs, 4 metals, 6 indices, 2 energy assets, 3 crypto assets (BTC, ETH, XRP)
Swap-free	Only eligible instruments are included (21 FX currency pairs, XAUUSD, XAUEUR, XAGUSD, 2 crude oil pairs, and 6 major indices. Crypto assets are excluded)
Suffix of the stock code (MT4/MT5)	x (Example: USDJPYx, XAUUSDx)
Number of establishments and other information	Only one account per person. Deposit bonuses and copy trading are not eligible

Benefits of HFM's KATANA account

• You can trade without margin up to the specified lot size(up to 5 lots for FX, precious metals, indices, and energy; 1 lot for BTC; 50 lots for ETH; and 5 lots for XRP. Any amount exceeding this will be subject to normal dynamic leverage).
• With no commission fees, the effective cost of spread + commission is the lowest among the six accounts. The published values ​​are 0.5 pips for EUR/USD and 0.4 pips for USD/JPY, which is lower than the commission-inclusive Zero Account (equivalent to 0.6 and 1.3 pips) and Pro Account (0.6 and 1.1 pips).
• The stop-loss levelis 0%, allowing you to hold positions longer than with other accounts (20%). Thanks to the zero-cut system, there are no margin calls even if your balance goes negative (official blog).
• When hedging, the margin requirement is zero, and swap-free instruments (21 FX currency pairs, gold and silver, crude oil, and major indices) do not incur swap charges even when held overnight (official blog)

Disadvantages and points to note about HFM's KATANA account

• The minimum initial deposit is $500 (approximately $500.00). There are no restrictions on subsequent deposits (official blog)
• Only one account per person. Deposit bonuses and copy trading are not supported
• Trading is limited to major stocks; stock CFDs, ETFs, bonds, and commodities cannot be traded
• Restrictions are placed on the leverage of new positions from 15 minutes before to 5 minutes after the release of economic indicators, and for one hour before and after the date change (00:00). Trading that abuses unlimited leverage is prohibited by the terms of service (official blog)

Details regarding lot sizes and restricted trading times are explained in " HFMLeverage ," and spreads for each account type are explained in " HFMSpread List ."

HFMPremium Account | A standard account that allows you to trade all products with no minimum deposit

The Premium Account isHFM's basic account type. The official website describes it as "an account for individual investors with favorable conditions: no minimum deposit, no fees, and no swap fees." It's equivalent to other companies' "Standard Accounts," and allows trading of allHFMproducts

HFMPremium Account Specifications

Maximum leverage	2,000 times
spread	1.4 pips or more (Published values: EUR/USD 1.4, USD/JPY 1.8 pips)
Transaction fees	None (excluding some products such as stock indices, ETFs, and stock CFDs)
Minimum deposit amount	No settings
Margin Call / Stop Loss	50%／20%
Maximum lot size/position	60 lots per position, maximum 500 positions
Trading products	All products (FX, metals, energy, commodities, stock indices, stocks, crypto assets, ETFs, bonds)
Swap-free	Yes (there are specific periods for each trading product/stock)
Suffix of the stock code (MT4/MT5)	None (e.g., EURUSD, XAUUSD)

Benefits of HFM's Premium Account

• There is no minimum deposit amount; you can start with the minimum amount for each deposit method
• You can trade allHFMproducts, including stock CFDs, ETFs, and bonds. FX currency pairs are commission-free and leveraged up to 2,000x (stock CFDs have leverage limits of up to 5x, etc., depending on the instrument; stock indices, ETFs, and stock CFDs incur trading fees)
• Because there are no suffixes in the ticker symbol, it is easy to find tickers in MT4/MT5

Disadvantages and points to note about HFM's premium account

• The spread is wider than in the Pro account and KATANA account (EUR/USD 1.4 pips vs. Pro 0.6 pips, KATANA 0.5 pips)
• Not eligible for deposit bonus (bonuses are only available for top-up bonus accounts)
• 2,000x leverage is the account limit, and the leverage automatically decreases depending on the effective margin and the stock(s) (Official blog: "There are eligible stocks for 2,000x leverage")

HFMPro Account | No commission, cost-conscious account starting from 0.6 pips

The Pro account offers both narrow spreads and no trading fees. The official website describes it as "developed to meet the needs of experienced traders looking to take their trading to the next level." The minimum deposit is $100 (approximately $81.25)

HFMPro Account Specifications

Maximum leverage	2,000 times
spread	0.6 pips ~ (Published values: EUR/USD 0.6, USD/JPY 1.1 pips)
Transaction fees	None (except for some products)
Minimum deposit amount	$100 / €100 / approx. $81.25
Margin Call / Stop Loss	50%／20%
Maximum lot size/position	60 lots per position, maximum 500 positions
Trading products	All products
Swap-free	Yes (for specific trading products)
Suffix of the stock code (MT4/MT5)	r (e.g., EURUSDr, XAUUSDr)

Benefits of HFMPro Account

• With no commission, the EUR/USD pair yielded 0.6 pips. When including commissions, it was at the same level as the Zero Account, and lower for USD/JPY (1.1 vs 1.3 pips)
• With a KATANA account, you can trade all products, including stock CFDs, ETFs, bonds, and commodities that are not normally available for trading
• Accumulating loyalty program points (TRP) can further reduce effective transaction costs (official blog)

Disadvantages and points to note about HFM's professional account

• A minimum deposit of $100 (approximately $81.25) is required
• Not eligible for deposit bonus
• According to the published figures for EUR/USD and USD/JPY, the KATANA account has narrower trade intervals (0.5 and 0.4 pips)

HFMZero Account | Account with direct spreads starting from 0.0 pips + trading fees

The Zero account is the only one of the six accounts that charges trading fees on FX currency pairs. The official page describes it as "receiving ultra-tight direct spreads from major liquidity providers with no hidden markups," and direct spreads apply "to specific symbols" (the fee schedule lists eight currency pairs: AUDUSD, EURUSD, EURJPY, GBPJPY, GBPUSD, USDCAD, USDCHF, USDJPY, and gold (XAUUSDb))

HFMZero Account Specifications

Maximum leverage	2,000 times
spread	0.0 pips and up (FX currency pairs. Published values: EUR/USD 0.0, USD/JPY 0.4 pips)
Transaction fees	Currency pairs: $6 round trip per lot ($0.06 for 1,000 units of currency), Gold: $10 round trip per 100 ounces
Minimum deposit amount	No setting required (the FAQ on the same page states $25)
Margin Call / Stop Loss	50%／20%
Maximum lot size/position	60 lots per position, maximum 500 positions
Trading products	All products
Swap-free	Yes (for specific trading products)

Benefits of HFMZero Account

• The spread itself is the narrowest among the six accounts (published values: EUR/USD 0.0 pips, Gold 0.06 USD. USD/JPY is the same as the KATANA account at 0.4 pips)
• Because the commission is fixed (US$6 round trip per lot for currency pairs, US$10 round trip per 100 ounces for gold), it is easy to calculate trading costs
• There is no minimum deposit amount, and all products can be traded

Disadvantages and points to note about HFM's zero account

• When fees are added, the EUR/USD is equivalent to 0.6 pips, the same as the Pro account, while the USD/JPY is equivalent to 1.3 pips, which is higher than the Pro account (1.1) (calculated at approx. $0.94 per dollar)
• Direct spreads apply to specific symbols; other instruments will have the standard spread
• Not eligible for deposit bonus

HFMCent Account | An account that allows you to trade with small amounts, starting from 1 lot = 1,000 currency units

A cent account is an account where the trading unit is 1/100th of the normal unit.HFM's official page explains that a cent lot is equivalent to 0.01 times a standard lot or 1,000 currency units, and that it is an account for beginner traders who are transitioning from demo trading to actual trading, with a low margin requirement of 10 US cents. Only FX currency pairs and gold can be traded

HFMcent account specifications

Maximum leverage	2,000 times
spread	1.4 pips or more (Published values: EUR/USD 1.4, USD/JPY 1.8 pips)
Transaction fees	none
Minimum deposit amount	No settings
1 lot	1,000 units of currency (minimum 0.01 lot = 10 units of currency)
Margin Call / Stop Loss	50%／20%
Maximum lot size/position	1,000 cent lots per position, 6,000 cent lots total in the account, maximum 300 positions
Trading products	FX currency pairs (50+) and gold
Account currency	JPY/USC (US cents)
Swap-free	Yes (for specific trading products)
Suffix of the stock code (MT4/MT5)	c (e.g., EURUSDc, XAUUSDc)

Benefits of HFMcent account

• Profits and losses will be 1/100th of what they would be in a regular account. For example, with 0.01 lots (10 units of currency), even if the USD/JPY exchange rate moves by approximately $0.01, the profit or loss will be approximately $0.06
• You can open an account in Japanese Yen (JPY), so you can manage your balance in yen
• With no minimum deposit, no fees, and leverage up to 2,000x, it's easy to use for practicing before moving from a demo account to actual trading

Disadvantages and points to note about HFMcent accounts

• Only FX currency pairs and gold can be traded (silver, stock indices, crude oil, and cryptocurrencies are not available)
• Deposit bonuses are not available (official blog). Personal services are also excluded from the official comparison chart
• The lot size notation is different from other accounts (1 lot in the cent account = 0.01 lot in other accounts), so be careful not to mix up order quantities when using multiple accounts

The official account type comparison (as of October 9, 2026) does not include a "micro account." If you want to trade in small amounts of 1,000 currency units, this cent account is suitable

HFMTop-Up Bonus Account | The only account where you can receive deposit bonuses

The Top-Up Bonus Account is the only account atHFMthat offers deposit bonuses (officially called the Top-Up Bonus Account), and is also known as the "Bonus Account" or "Top-Up Account." The official page states that "this is the only account that offers bonuses on eligible deposits," and a 20% bonus (up to $5,000) is awarded each time funds are transferred to the account. There are also limited-time campaigns offering a 100% bonus on the first deposit

HFMTop-Up Bonus Account Specifications

Maximum leverage	1,000 times
spread	1.4 pips or more (Published values: EUR/USD 1.6, USD/JPY 1.9 pips)
Transaction fees	None (except for some products)
Minimum deposit amount	No settings
Margin Call / Stop Loss	50%／20%
Maximum lot size/position	60 lots per position, maximum 500 positions
Trading products	All products (the trading products section on the account page includes FX, metals, energy, indices, bonds, commodities, and cryptocurrencies)
bonus	20% bonus on every deposit (up to $5,000). 100% bonus on your first deposit for a limited time. Both offers are available to customers who have completed identity verification (fully approved)
Swap-free	Not applicable (except for conditions for Muslims)
Number of establishments	One per account (Official Blog)

Benefits of HFM's Top-Up Bonus Account

• A bonus is automatically added with each deposit, allowing you to increase your margin and trade
• Profits earned using bonuses can be withdrawn, and there are no restrictions on the number or amount of withdrawals (official blog)
• Since the bonus can be used as margin, it acts as a buffer when unrealized losses occur

Disadvantages and points to note about HFM's top-up bonus account

• It offers a maximum leverage of 1,000x and the widest spreads among the six accounts (EUR/USD 1.6 pips, USD/JPY 1.9 pips)
• Not eligible for swap-free
• When you withdraw funds, the bonus will disappear in the same proportion as the withdrawal amount relative to your account balance. For example, if you withdraw approximately $187.50 from your own funds (approx. $625.00) + bonus (approx. $312.50), the bonus will also decrease by 20% (approx. $62.50) because the withdrawal is 20% of the balance (official blog)

Details on how to receive bonuses, withdrawal conditions, and ongoing campaigns are explained in " HFMBonus List "

HF Copy Account | Account dedicated to copy trading

The HF Copy Account is a dedicated account for copy trading, where you automatically copy the trades of other traders (strategy providers) into your own account. According to the official blog, there are three types of accounts: "Copy Pro Account," "Copy Cent Account," and "Copy Premium Account," based on the Pro Account, Cent Account, and Premium Account.Followers follow the account type chosen by the strategy provider. The KATANA Account, Zero Account, and Top-Up Bonus Account cannot be used as the base for a copy account.

item	Copy Pro Account	Copy cent account	Copy Premium Account
1 lot	100,000 currency	1,000 units of currency	100,000 currency
Maximum leverage	1,000x leverage (tiered limits depending on effective margin)	1,000 times (same)	1,000 times (same)
Minimum deposit amount (followers)	$100	Equivalent to $10 (USC 1,000)	Equivalent to $25
Transaction fees and bonuses	none	none	none

Followers pay a success fee (up to 50% of profits) when profits are made. Only one strategy provider can be followed per follower account; if you want to diversify across multiple strategies, you will need to open additional follower accounts (the official blog states a maximum of 10 or 25 accounts). The maximum leverage of 1,000x is gradually limited depending on the total effective margin of the strategy account and all follower accounts combined (revised July 16, 2026 - official blog. The setup procedure in the same article also states a maximum of 500x). For information on how to get started and how to choose a strategy, please see " HFMCopy Trading "

A comparison of the 6 types of HFMaccounts by category

We will compare six accounts side-by-side, highlighting the key differences in account selection. The spreads used are not the minimum values ​​listed "from," but rather the values ​​published on the official trading product pages for each account (obtained October 6, 2026)

Comparison of actual costs (spread + transaction fees)

The most accurate way to compare trading costs is by looking at the "effective cost," which is the sum of the spread and the commission for a zero-account. The commission for a zero-account (US$6 round trip per lot) is equivalent to 0.6 pips for EUR/USD and 0.9 pips for USD/JPY (calculated at approximately $0.94 per dollar)

Account type	Euro/Dollar (EURUSD)	USD/JPY	Gold (XAUUSD)
KATANA account	0.5 pips	0.4 pips	$0.08
ProDrive	0.6 pips	1.1 pips	$0.16
Zero Account	0.6 pips(0.0 + 0.6 commission)	1.3 pips (0.4 + commission 0.9)	$0.16 ($0.06 + $0.10 in fees)
Premium Account	1.4 pips	1.8 pips	$0.32
Cent account	1.4 pips	1.8 pips	$0.32
Top-up bonus account	1.6 pips	1.9 pips	$0.35

For EUR/USD, USD/JPY, and Gold,the KATANA account offers the lowest spreads, followed by the Pro account and Zero account. While the Zero account has the narrowest spread itself, when commissions are added, EUR/USD and Gold become the same as the Pro account, and USD/JPY becomes more expensive than the Pro account. The official blog's spread explanation also states that "the Pro account and KATANA account offer lower trading costs than the Zero account." Premium Cent accounts have spreads approximately 1.6 to 2.3 times that of the Pro account, and the Top-Up Bonus account has the widest spreads in exchange for bonuses.

Comparison of maximum leverage and stop-loss levels

The maximum leverage is unlimited for KATANA accounts (within the specified lot size), 2,000x for Premium Pro Zero Cent accounts, and 1,000x for Top-Up Bonus accounts. The stop-loss level is 0% for KATANA accounts (margin call at 20%), and 20% for the other five accounts (margin call at 50%). Even for the four accounts with 2,000x leverage, there are restrictions based on balance, time of day, and instrument; for example, if the effective margin exceeds the equivalent of $5,000 (or 50,000 cents for cent accounts), the leverage will drop to 1,000x (see the official blog "HFMLeverage"). The stages of restrictions and the upper limits for each instrument are explained in " HFMLeverage "

Comparison of minimum deposit amount and account currency

Only the KATANA account (500 dollars/approx. $500.00) and the Pro account (100 dollars/approx. $81.25) have minimum deposit requirements. The Premium Zero Cent Top-Up Bonus account does not have a minimum deposit requirement and starts with the minimum amount for each deposit method. The account currency for the five account types is USD, EUR, and JPY, while the Cent account is JPY and USC (US cents). For minimum deposit amounts for each deposit method, please see " HFMDeposit Methods "

Comparison of available stocks

The Premium Pro Zero Top-Up Bonus account allows trading of all products (FX, metals, energy, commodities, stock indices, stocks, crypto assets, ETFs, and bonds). The KATANA account is limited to major instruments: 30 FX currency pairs, metals, major stock indices, crude oil, and 3 crypto assets. The Cent account is limited to FX currency pairs and gold. If you wish to trade stock CFDs or ETFs, you cannot choose a KATANA account or a Cent account

Comparison of swap-free options

According to the official account type comparison, five accounts, excluding the Top-Up Bonus account, are eligible for swap-free trading. However, swap-free trading is only applicable to specific trading instruments, and according to the official blog, the Premium Pro Zero Cent account has a set application period from entry for each instrument (45 days for spot instruments such as major currency pairs, gold, and stock indices, and unlimited for crude oil and stock index futures). Cryptocurrencies are not eligible. After the period expires, swap points will be charged as usual. The KATANA account has separately defined swap-free instruments (21 FX currency pairs, gold and silver, crude oil, and major indices). The eligible instruments and the number of days can be checked under "HFMSwaps".

Comparison of accounts eligible for bonuses

Only Top-Up Bonus accounts are eligible for deposit bonuses. KATANA Premium Pro Zero Cent accounts are not eligible, and the official blog also states regarding KATANA accounts that "to receive bonuses withHFM, you need to open a separate Top-Up Bonus account." If you want to take advantage of both bonuses and low costs, you can use a Top-Up Bonus account in combination with a low-cost account

Comparison of trading volume, number of positions, and the suffix of the symbol

Account type	1 lot	Maximum transaction size	Maximum number of positions	Suffix of the stock code (MT4/MT5)
KATANA account	100,000 currency	60 lots per position	500	x (USDJPYx)
Premium Account	100,000 currency	60 lots per position	500	None (USDJPY)
ProDrive	100,000 currency	60 lots per position	500	r (USDJPYr)
Zero Account	100,000 currency	60 lots per position	500	—
Cent account	1,000 units of currency	1,000 cent lots per position, 6,000 cent lots total for the account	300	c (USDJPYc)
Top-up bonus account	100,000 currency	60 lots per position	500	—

Even for the same instrument, the last digit of the instrument name in MT4/MT5 may vary depending on the account. If you cannot find USD/JPY in the quotes, please search using the last digit of your account

Recommended HFMAccounts | How to Choose an Account Type Based on Your Purpose

Choosing an account depends on whether you want to use a bonus, whether you want to try it with a small amount, how much you can deposit, and what securities you want to trade. Answering the four questions in the following diagram in order will help you find the account that's right for you

If you're unsure, choose the Premium Account | For those who want to trade all products without a minimum deposit

With no minimum deposit and no trading fees for FX currency pairs, this account is an easy choice for your first account. If your trading volume increases and spreads become a concern, you can open additional Pro or KATANA accounts to use them accordingly

KATANA Account | For those who can deposit $500 or more and want to trade major stocks at low cost

If you primarily trade FX, gold, major stock indices, and crude oil, and can deposit $500 (approximately $500.00) initially, the KATANA account, which has the lowest effective costs according to published figures, is a good option. It also offers 0% stop-loss and unlimited leverage (within the specified lot size). If you want to trade stock CFDs and ETFs, or if the one-account-per-person limit doesn't suit you, choose the Pro account

Pro Account | For those who want to trade all products while keeping costs down and without fees

With a minimum deposit of $100 (approximately $81.25), you can use the EUR/USD spread of 0.6 pips with no commission. This is suitable for people who want to trade stock CFDs and cryptocurrencies as well, and for those who want to create multiple accounts and separate them by trading strategy

Zero Account | Ideal for scalpers who want to manage their fees at a fixed amount

The spread is the narrowest, and you can understand the costs by separating them into "spread + $6 round trip". If you mainly trade EUR/USD, it will be at the same level as the Pro account, but if you mainly trade USD/JPY, the Pro account will be cheaper, so choose based on the currency pair you trade.HFM" The conditions for scalping with are explained in HFMScalping "

Cent Account | For those who want to try trading with a real account with a small amount of money

One lot is 1,000 units of currency, and the profit/loss is 1/100th of that of a regular account. It is suitable for when you move from a demo account to actual trading, or when you want to try out new trading methods or EAs with a small amount of money. Only FX and gold can be traded, so if you want to trade other instruments, you will need to use a premium account in conjunction with it

Top-Up Bonus Account | For those who want to increase their margin with deposit bonuses

This is the only account that is eligible for the deposit bonus. In exchange for a maximum leverage of 1,000x, the widest spread, and not being eligible for swap-free trading, you can receive a 20% bonus (up to $5,000) on your margin with every deposit

HF Copy Account | For those who want to copy professional trades without trading themselves

This is for people who don't have time to look at charts or who want to learn from other traders' trades. Followers' account types are determined by the strategy provider's selection (CopyPro, CopyCent, CopyPremium), and a success fee (up to 50%) is paid when profits are made

Points to note regarding HFMaccount types

Here are five important points to know before opening an account

Points to note	subject	Solutions
The procedure for switching account types is not provided	All accounts	Other account types can be opened as additional accounts (there is a limit to the number of accounts)
Deposit bonuses are only available for top-up bonus accounts	5 accounts other than top-up	If you want to use a bonus, open a Top-Up Bonus account
There is one account that can only be opened	KATANA Account / Top-Up Bonus Account	If you want to separate by method, you can add other account types
Accounts become suspended if there are no transactions for 60 days	All accounts	Withdraw any funds from unused accounts and leave the balance at zero
Some accounts have a limited selection of securities that can be traded	Cent account / Katana account	Stock CFDs and ETFs are traded using Premium Pro Zero Top-Up

There are no instructions on how to switch account types; you have to use an additional account to differentiate between them

HFM's official website and blog do not provide instructions on how to switch the account type of an existing account. The account opening guide on the official blog states that "you can create additional accounts later, so there's no need to worry if you haven't decided yet," and that if you want to use a different account type, you can open an additional account through myHF (member page) and transfer funds to it

There is a limit to the number of accounts you can open. The official website's account type comparison does not specify the exact number, and the official blog has conflicting information: the explanation of how to open an account mentions 7 MT4 live accounts and 5 MT5 live accounts , the account type list states "up to 10 accounts," and the explanation of demo accounts states "a separate maximum of 12 real accounts." If you reach the limit for real accounts, you are instructed to archive unnecessary accounts to open new ones (explanation of demo accounts). Instructions on how to create additional accounts are explained in " HFMHow to open an account."

Only Top-Up Bonus accounts are eligible to receive deposit bonuses

Deposits made into a KATANA Premium Pro Zero Cent account do not come with a bonus. If you are usingHFMfor the purpose of receiving a bonus, you must first open a Top-Up Bonus account. With a Top-Up Bonus account, a portion of the bonus will be lost upon withdrawal, so you may want to separate the funds you want to keep as a bonus from the funds you plan to withdraw into different accounts

You can only have one KATANA account and one Top-Up Bonus account

According to the official blog, only one KATANA account can be opened per person, and only one top-up bonus account can be opened per account. If you want to manage multiple strategies separately in different accounts, you can add and combine accounts such as the Premium Pro Zero account

If there are no transactions for 60 days, the account will be suspended and maintenance fees will be charged

According to the official blog, trading accounts that have not been traded, deposited, withdrawn, or held any positions for 60 days will be suspended, and the balance will be automatically transferred to the myHF wallet. Suspended accounts cannot be reactivated, but you can still log in to myHF and resume trading by opening a new trading account and transferring funds

After six months of inactivity, a maintenance fee of $5 will be deducted from your myHF wallet each month. This fee increases to $10 after one year and to $20 in subsequent years. If your balance is zero, no fee will be charged, so if you will not be trading for a while, you should withdraw your funds. For instructions on how to withdraw funds, please see " HFMHow to withdraw from "

Cent accounts are for FX and gold, while KATANA accounts are for major instruments only

With a Cent account, you can only trade FX currency pairs (over 50) and gold; silver, stock indices, crude oil, and cryptocurrencies are not available. Similarly, with a KATANA account, trading is limited to major instruments; stock CFDs, ETFs, and bonds are not available. If you have a specific instrument in mind, please check the account type comparison beforehand to see if it's available

Frequently Asked Questions about HFMAccount Types

How many types of HFMaccounts are available?

There are six types of accounts: KATANA, Premium, Pro, Zero, Cent, and Top-Up Bonus (HFMofficial website "Trading Account Comparison," as of October 9, 2026). In addition, there are copy accounts specifically for copy trading (Copy Pro, Copy Cent, Copy Premium)

Which account type do you recommend at HFM?

If you're unsure which to choose, the Premium account allows you to trade all products with no minimum deposit. If you want to minimize trading costs, the Pro account (minimum deposit $100) or the KATANA account (minimum deposit $500, one account per person) is recommended. If you want to use a deposit bonus, the Top-Up Bonus account is a good choice. If you want to practice with a small amount, the Cent account is recommended. The actual cost, including fees added to the published spread, is 0.5 pips for EUR/USD with KATANA, 0.6 pips with Pro Zero, 1.4 pips with Premium Cent, and 1.6 pips with Top-Up (calculated by our editorial team)

Does HFMoffer a standard account?

There is no account named "Standard Account." The equivalent of a standard account at other companies is the premium account, which has no minimum deposit, no trading fees for FX currency pairs, leverage up to 2,000x, and allows trading of all products. The MT4/MT5 instrument names also do not have suffixes (e.g., EURUSD)

Can I change my HFMaccount type later?

There is no information on the official website or blog regarding the procedure for switching the account type of an existing account. The official blog states that "additional accounts can be created later," and if you want to use a different account type, you open an additional account through myHF and transfer funds. There is a limit to the number of accounts that can be opened, and the official blog lists the account types as "up to 10 accounts," while the explanation of how to open an account is divided into MT4 live account 7 and MT5 live account 5

How many accounts can I open with HFM?

The official website's trading account comparison only states that "there is a limit to the number of trading accounts that can be opened," and the specific number is listed separately on the official blog. The explanation of how to open an account states that thereare 7 MT4 live accounts and 5 MT5 live accounts(HF Copy has 10 strategy provider accounts and 25 follower accounts), the account type list states "up to 10 real accounts," and the explanation of demo accounts states "up to 12 real accounts separately." The explanation of demo accounts states that if the number of accounts reaches the limit, you can archive unnecessary accounts to open new ones. There are a maximum of 6 demo accounts. In addition, there is one KATANA account per person and one top-up bonus account per account.

Can I open a yen-denominated account with HFM?

Yes, you can create one. The KATANA Premium Pro Zero Top-Up Bonus account allows you to choose your account currency from USD, EUR, and JPY, while the Cent account allows you to choose from JPY and USC (US cents) (HFMofficial website "Trading Account Comparison")

What is HFMcent account?

This is a small-amount trading account where one lot is 1,000 units of currency (0.01 lots in a regular account), and profits and losses are 1/100th of those in a regular account. There is no minimum deposit, no fees, and leverage up to 2,000 times. Only FX currency pairs and gold can be traded. It is not eligible for deposit bonuses, and the MT4/MT5 instrument names will have a "c" at the end (e.g., EURUSDc)

What is HFMlive account?

This refers to a real trading account where you deposit actual funds to trade. When you register withHFM, a myHF account (like a wallet used for deposits, withdrawals, and fund transfers) is automatically created, and you can open a live account or demo account from there (HFMofficial help FAQ). When opening a live account, you choose an account type from the six types described in this article. The review of identity verification documents is said to take within 48 hours, and the help FAQ states that you can deposit funds after the documents are approved and myHF is fully verified

Can I open a corporate account with HFM?

Yes, you can open one.HFM's official Help FAQ states that "corporate accounts allow for the use of multiple users and company assets." You can also open a joint account held by two individuals. The types of corporate accounts available are not listed on the official website, so please check withHFMsupport before opening an account

Summary: Choose yourHFMaccount type based on "bonuses, minimum deposit, and trading instruments."

I've compiled information on HFM's (formerly HotForex) account types based on their official website and blog. Here's a summary of the key points

• There are six account types: KATANA, Premium, Pro, Zero Cent, and Top-Up Bonus. Copy trading accounts are separate.
• The KATANA account has the lowest effective cost, followed by the Pro and Zero accounts(EUR/USD 0.5/0.6/0.6 pips). Premium cents are 1.4 pips, and top-ups are 1.6 pips.
• Deposit bonuses are only available for Top-Up Bonus accounts(1,000x leverage, not eligible for swap-free trading).Cent accounts are limited to FX and gold only, with a minimum trading lot size of 1,000 currency units
• Account types can be used separately for additional accounts(there is a limit to the number of accounts; only one KATANA and one Top-Up account are allowed). Accounts will be suspended if there is no trading activity for 60 days, and maintenance fees will be charged from 6 months later.

With MoneyChat, you get cashback every time you trade, regardless of your account type

Our website, "Money Charger (Manecha),"HFMis an official IB partner ofOpening an account through Manecha will earn you cashback with every trade. Trading conditions such as spreads and fees are the same as when opening an account directly through the official website, so the effective cost is reduced by the amount of cashback.

Account type	BTC/USD	Gold (XAU/USD)
Top-up / Premium	$16.00/lot	$12.00/lot
Pro/Zero	$6.40/lot	$5.60/lot
KATANA	$2.80/lot	$2.40/lot
Saint	$1.60/lot	$0.12/lot

*Cashback rates may fluctuate. For rates per instrument, including FX currency pairs, how to receive the cashback, and whether you can switch existing accounts, please see "How to Receive HFMCashback ". The procedure for opening an account is explained in " HFMHow to Open an Account ", andHFMthe safety and reputation of are explained in " HFMReviews and Testimonials "

＼ The terms and conditions are the same as the official site, and you get cash back with every transaction! ／

*Account type conditions, spreads, and bonus programs are subject to change. The information in this article is based on information published onHFMofficial website and official blog as of October 9, 2026. Please check the official website and myHF for the latest conditions. Overseas FX trading carries exchange rate fluctuation risk, and the higher the leverage, the greater the potential for significant losses in a short period of time. Investment decisions should be made at your own risk