Contents
- 1 HFM offers seven types of deposits and withdrawals, all free of charge, with processing times as fast as 10 minutes
- 2 List of HFM deposit methods
- 3 List of HFM withdrawal methods
- 4 HFM deposit and withdrawal fees
- 5 HFM deposit and withdrawal time
- 6 HFM minimum and maximum deposit/withdrawal amounts
- 7 HFM Withdrawal Rules
- 7.1 Rule 1: Withdrawals up to the deposit amount can be made using the same method as the deposit
- 7.2 Rule 2: Only accounts and wallets under the same name as the HFM account are permitted
- 7.3 Rule 3: Transfer funds from your trading account to your My Wallet (wallet account) before withdrawal
- 7.4 Rule 4: Credit card withdrawals are limited to the deposit amount
- 7.5 Rule 5: Withdrawals are only possible after identity verification is complete
- 8 Will HFM refuse to accept withdrawals?
- 9 Important points to note regarding deposits and withdrawals at HFM
- 9.1 1. Understand the difference between a trading account and My Wallet
- 9.2 2. Bonuses are forfeited upon fund transfer
- 9.3 3. Be aware of the reduction in value due to currency conversion
- 9.4 4. The maximum deposit amount for bank transfers is 2.5 million yen
- 9.5 5. Profits from credit card deposits are withdrawn via a separate route
- 10 Frequently Asked Questions about HFM Deposits and Withdrawals
- 11 Benefits of using HFM via MoneyChat
HFM offers seven types of deposits and withdrawals, all free of charge, with processing times as fast as 10 minutes
HFM offersseven(bank transfer, credit card, bitwallet, BXONE, cryptocurrency, Bitpay, and BinancePay) andfive, all of which are free of charge. The processing time is as short as 10 minutes, and up to two business days for bank transfers.withdrawals to be made using the same method as the deposit, the choice of deposit method significantly impacts the ease of withdrawal. This page provides a comprehensive explanation of deposit and withdrawal methods, fees, processing times, withdrawal rules, and even examples of withdrawal refusals.
Published: 2026-05-11 / Updated: 2026-05-11 / Source: HFM Official Website and various official manuals (as of May 2026)
List of HFM deposit methods
The following seven deposit methods are available at HFM. All methodsare free of charge on HFM's end, and the funds are processed in as little as 10 minutes.
| Payment Methods | Minimum deposit amount | Maximum deposit amount | Reflection time | commission |
|---|---|---|---|---|
| Bank transfer | 1,000 yen | 2,500,000 yen | Within 10 minutes | free |
| Credit card (VISA/JCB) | 750 yen | No restrictions | Within 10 minutes | free |
| bitwallet | 1,000 yen | 5,000,000 yen | Within 10 minutes | free |
| B XONE | 1,000 yen | No restrictions | Within 10 minutes | free |
| Cryptocurrency | Approximately 4,500 yen (30 USD) | Approximately 1.5 million yen (10,000 USD) | Immediately | Free (network fees not included) |
| Bitpay | Approximately 4,500 yen (30 USD) | No restrictions | Immediately | free |
| BinancePay | Approximately 750 yen (5 USD) | No restrictions | Immediately | free |
Points to consider when choosing a payment method
- For those who want to start trading immediately: Cryptocurrency and BinancePay offer the fastest and most instant transactions.
- For those who want to start with a small amount: Credit card (from 750 yen) / Binance Pay (from 5 USD)
- For those wishing to make large deposits: bitwallet supports up to 5 million yen.
- For those who simply want to deposit money from a domestic bank: Bank transfer (completed in Japanese yen)
List of HFM withdrawal methods
There are five ways to withdraw funds from HFM. All withdrawals from HFM are free of charge, buta separate fee will be charged when transferring funds from your e-wallet to a domestic bank.
| Withdrawal methods | Minimum withdrawal amount | Maximum withdrawal amount | Reflection time | HFM side fees | Bank transfer fees |
|---|---|---|---|---|---|
| Bank transfer | 1,000 yen | No restrictions | Up to 2 business days | free | free |
| bitwallet | Approximately 3,000 yen (20 USD) | No restrictions | Immediately | free | 824 yen (when transferring by bank) |
| B XONE | 2,000 yen | 1,000,000 yen | Immediately | free | 500 yen (when transferring by bank) |
| credit card | Up to the deposit amount | Up to the deposit amount | 1-5 business days | free | – |
| Cryptocurrency | Approximately 3,000 yen (20 USD) | No restrictions | Immediately | free | Network fee |
Points to consider when choosing a withdrawal method
- For those who want to keep costs down: Bank transfer (completely free of charge)
- For those who want to transfer funds immediately: bitwallet, BXONE, cryptocurrency (instant transfer)
- For those who want to convert their e-wallet balance to Japanese yen at the lowest cost: BXONE (bank transfer fee: 500 yen)
HFM deposit and withdrawal fees
HFM chargesno fees for deposits or withdrawals for any method, please note that additional costs may be incurred by the service provider you use.
Main cases in which actual costs are incurred
| scene | Incurred fees | guideline |
|---|---|---|
| Transfer money from bitwallet to a domestic bank account | bitwallet fees | 824 yen |
| Transfer money from BXONE to a domestic bank | BXONE's commission | 500 yen |
| Cryptocurrency deposits and withdrawals | Network fee | Depending on the currency and congestion level |
| Receiving a bank transfer | Fees charged by the receiving bank | (Often free) by the bank |
| Currency conversion (USD↔JPY, etc.) | Currency conversion fee | Depending on the service used |
Combinations that minimize costs
| the purpose | recommendation |
|---|---|
| I just want to complete it for free | Deposit via bank transfer → Withdraw via bank transfer |
| I want to do it quickly and cheaply | Deposit via BXONE → Withdraw via BXONE (Total 500 yen) |
| I want to combine this with cryptocurrency trading | Deposit with cryptocurrency → Withdraw with cryptocurrency |
HFM deposit and withdrawal time
The processing time for both deposits and withdrawals varies greatly depending on the method used
Deposit processing time
| Payment Methods | Reflection time (estimate) |
|---|---|
| Cryptocurrency | Immediately (after network approval) |
| BinancePay | Immediately |
| Bitpay | Immediately |
| credit card | Within 10 minutes |
| bitwallet | Within 10 minutes |
| B XONE | Within 10 minutes |
| Bank transfer | Within 10 minutes (or the next business day if outside business hours) |
Withdrawal processing time
| Withdrawal methods | HFM processing time | Total time until payment is received |
|---|---|---|
| bitwallet | Immediately to a few hours | Immediately to a few hours |
| B XONE | Immediately to a few hours | Immediately to a few hours |
| Cryptocurrency | Immediately to a few hours | Immediately after network approval |
| Bank transfer | 1-2 business days | 1-2 business days |
| credit card | 1-5 business days | by the card company |
withdrawal requestscan be submitted 24/7, HFM only processes them on weekdays. Requests submitted on weekends or public holidays will be processed on the next business day or later.
HFM minimum and maximum deposit/withdrawal amounts
Minimum and maximum amounts are set for each deposit and withdrawal method
Minimum and maximum deposit amounts
| Payment Methods | lowest | maximum |
|---|---|---|
| Bank transfer | 1,000 yen | 2,500,000 yen |
| credit card | 750 yen | No restrictions |
| bitwallet | 1,000 yen | 5,000,000 yen |
| B XONE | 1,000 yen | No restrictions |
| Cryptocurrency | Approximately 4,500 yen (30 USD) | Approximately 1.5 million yen (10,000 USD) |
| BinancePay | Approximately 750 yen (5 USD) | No restrictions |
Minimum and maximum withdrawal amounts
| Withdrawal methods | lowest | maximum |
|---|---|---|
| Bank transfer | 1,000 yen | No restrictions |
| bitwallet | Approximately 3,000 yen (20 USD) | No restrictions |
| B XONE | 2,000 yen | 1,000,000 yen |
| Cryptocurrency | Approximately 3,000 yen (20 USD) | No restrictions |
One of HFM's strengths is its support for small withdrawals; you can withdraw as little as 1,000 yen via bank transfer
HFM Withdrawal Rules
HFM withdrawals are subject to the same anti-money laundering rules as other overseas forex brokers. Please be sure to check these rules, as failure to comply may result in withdrawal refusal or delay
Rule 1: Withdrawals up to the deposit amount can be made using the same method as the deposit
This is the most important rule for withdrawals from HFM
Example: If you deposit 100,000 yen via bank transfer and make a profit of 300,000 yen
- Principal amount: 100,000 yen → Withdrawal must be via bank transfer.
- Profit of 200,000 yen → Can be withdrawn using any method (bitwallet, cryptocurrency, etc.)
This rule is also called the "route rule" or "same route withdrawal rule." If you use multiple deposit methods, the same rule will apply to each deposit amount
Rule 2: Only accounts and wallets under the same name as the HFM account are permitted
Withdrawals to accounts or wallets in the names of family members, companies, or other individuals are not permitted. Transfers to accounts or wallets under a different name will be refunded, and additional fees may apply
Rule 3: Transfer funds from your trading account to your My Wallet (wallet account) before withdrawal
HFM withdrawals are initiated by transferring funds from your trading account to your "My Wallet" account. Please note that any bonuses in your trading account will be forfeited once the funds are transferred
Rule 4: Credit card withdrawals are limited to the deposit amount
Withdrawals via credit card are processed as refunds, so you cannot withdraw more than your deposit amount. Profits will be withdrawn using a different method
Rule 5: Withdrawals are only possible after identity verification is complete
If identity verification (KYC) has not been completed after opening an account, withdrawals will not be processed. Deposits can be made before identity verification, but identity verification must be completed before withdrawals can be made
Will HFM refuse to accept withdrawals?
No cases of malicious withdrawal refusal or profit confiscation have been confirmed at HFM. Since its establishment in 2010, no major withdrawal problems have been reported for over 15 years, and as a company with over 2.5 million accounts worldwide, it can be said to be highly reliable.
However, withdrawals may be restricted or refused in the following cases
| case | Reasons for withdrawal restrictions |
|---|---|
| Untraded funds | The act of requesting a withdrawal without making any trades after depositing funds (anti-money laundering measure) |
| Violation of Terms of Service | Hedging across multiple accounts, arbitrage between different brokers, abuse of bonuses, etc |
| Identity verification not completed | Withdrawal request while KYC procedures are incomplete |
| Withdrawal amount is less than the minimum amount | Requests for amounts below the minimum withdrawal amount for each withdrawal method |
| Incorrect entry of withdrawal destination information | Incorrect bank account number or name |
| Violation of the same withdrawal route rule | Request to withdraw principal via a different method than the deposit method |
Checkpoints to avoid withdrawal rejection
- After making a deposit, you must complete at least one trade before requesting a withdrawal
- Complete identity verification (KYC) immediately after opening the account
- Verify that the name of the recipient account for withdrawals exactly matches the name registered with HFM
- Be careful not to violate the terms and conditions when using bonuses for transactions
Important points to note regarding deposits and withdrawals at HFM
Please note the following points for smooth deposits and withdrawals
1. Understand the difference between a trading account and My Wallet
HFM offers two accounts: a "trading account (MT4/MT5 account)" and a "My Wallet (wallet account)." Withdrawals must be made via My Wallet, so you need to transfer funds before withdrawing
2. Bonuses are forfeited upon fund transfer
When you transfer funds from your trading account to your My Wallet, any bonuses that were credited to your trading account will be forfeited. You should either use up your bonuses before transferring funds, or trade with the bonus amount in mind
3. Be aware of the reduction in value due to currency conversion
When withdrawing funds from a USD-denominated account to Japanese Yen, currency conversion will occur. Since the amount may be reduced due to exchange rates and conversion fees, choosing a Yen-denominated account makes management easier
4. The maximum deposit amount for bank transfers is 2.5 million yen
HFM's bank transfer limit is 2.5 million yen per transaction. For large deposits, you will need to either split the deposit into multiple transactions or use bitwallet (maximum 5 million yen)
5. Profits from credit card deposits are withdrawn via a separate route
If you deposit using a credit card, the deposited amount will be refunded to your card, but any profits will need to be withdrawn using a different method (such as bank transfer)
Frequently Asked Questions about HFM Deposits and Withdrawals
Does HFM charge a withdrawal fee?
HFM does not charge any withdrawal fees. However, when transferring funds from bitwallet or BXONE to a domestic bank, the respective service fees (bitwallet: 824 yen, BXONE: 500 yen) will apply
How long does it take from depositing money into HFM until I can start trading?
Cryptocurrency and Binance Pay transactions are reflected instantly, while other methods are reflected within 10 minutes. Transactions cannot be conducted if identity verification is not completed, so please complete this beforehand
How long does it take from requesting a withdrawal through HFM until the funds are credited?
bitwallet, BXONE, and cryptocurrency transfers are processed instantly to within a few hours, while bank transfers typically take 1-2 business days. Applications submitted on weekends and holidays will be processed on the next business day or later
What is the minimum withdrawal amount for HFM?
Withdrawals are possible from 1,000 yen (10 USD) via bank transfer and bitwallet, and from 2,000 yen (20 USD) via BXONE
Can I withdraw funds from HFM using a different method than the one I used to deposit them?
Withdrawals up to the deposit amount must be made using the same method as the deposit (anti-money laundering rules). Profits exceeding the deposit amount can be withdrawn using any method of your choosing
Is it possible for withdrawals to be rejected by HFM?
No instances of malicious withdrawal refusals have been confirmed at HFM. However, withdrawals may be withheld in cases of violation of the terms of service, withdrawals for untraded funds, or incomplete identity verification
Can I withdraw funds from HFM on weekends?
Withdrawal requests can be submitted 24/7, but HFM processing is only available on weekdays. Requests submitted on weekends or public holidays will be processed on the next business day or later
Can I withdraw my profits from HFM using a credit card?
No, credit card withdrawals are only processed up to the deposit amount due to the refund process. Please withdraw your profits using another method such as bank transfer or bitwallet
Benefits of using HFM via MoneyChat
HFM isan auto-rebate provider, so simply opening an account through MoneyChat's referral link will automatically deposit cashback into your trading account for every trade. No additional procedures such as My Page registration are required.
of the cashback is that it is deposited directly into your trading account, meaningyou can use it as trading funds without needing to withdraw it. This allows you to improve capital efficiency without going through withdrawal procedures or currency conversion.
Risk Warning: Overseas forex trading involves risks. Please invest only with funds you can afford to lose.
