HFM's Complete Account Type Comparison Guide | A Thorough Explanation of Recommended Account Types

Are you considering opening an account with HFM, but feeling overwhelmed because you're unsure which account type is right for you, or because there are so many options like cent accounts and zero accounts?

In fact, each of HFM's six account types has distinct characteristics, allowing you to choose the best option based on your investment style and experience level

This article provides a thorough comparison of all HFM account types, explaining in detail the advantages and disadvantages of each account, as well as key points to consider when choosing the right one

What you will learn from reading this article

1. Features and differences in specifications of all 6 types of HFM account types
2. Comparison of key factors such as leverage, spread, fees, and bonuses
3. Recommended accounts for different skill levels, from small accounts for beginners to low-spread accounts for advanced traders
4. Important points to note to prevent mistakes, such as the inability to make changes after opening an account
5. Frequently asked questions and answers regarding account opening (maximum number of accounts, yen denomination support, account opening period, etc.)

After reading this article, you will be able to confidently choose the best account and start trading with HFM with peace of mind

For information on HFM's withdrawal refusals and reliability, please check HFM's reputation and customer reviews

List of all 6 account types at HFM

HFM offers six account types to choose from, depending on the trader's experience and style

A key feature is the wide range of accounts available, from small-amount trading accounts for beginners to professional-grade low-spread accounts

Each account type has distinct differences, and choosing the right one can significantly improve trading efficiency

Account type	Maximum leverage	spread	Transaction fees	Minimum deposit amount
Cent account	2,000 times	1.2 pips ~	free	$0
ProDrive	2,000 times	0.5 pips ~	free	$100
Premium Account	2,000 times	1.2 pips ~	free	$0
Zero Account	2,000 times	0.0 pips ~	Round trip from $6	$0
Top-up bonus account	1,000 times	1.4 pips ~	free	$0
HF Copy Account	500 times	1.2 pips ~	free	$25～

The most important point when choosing an account is to clearly define your capital and trading style

Depending on your goals, such as wanting to start with a small amount, wanting to minimize transaction costs, or wanting to take advantage of bonuses, the best account for you will vary

In the following sections, we will explain the details of each account type in order

HFM Cent Account

The HFM cent account is a special account type that allows trading with extremely small lot sizes, just 1/100th of the usual lot size

One cent lot is equivalent to 1,000 units of currency, allowing you to experience trading in the actual market starting from just a few hundred yen

This allows you to trade with minimal risk while utilizing high leverage of up to 2,000 times

Its biggest features are its ease of use, with a minimum deposit of $0 and completely free trading fees

However, it's important to understand beforehand that the only tradable products are foreign exchange and gold

Compared to other account types, this one is specifically designed for practice and testing

HFM cent account specifications

Let's take a closer look at the basic specifications of the Cent account. The maximum leverage is 2,000 times, which is among the best in the industry. The spread starts at 1.2 pips for EUR/USD, which is a standard setting

A key feature is that there are absolutely no trading fees, allowing you to focus on trading without worrying about additional costs. The minimum deposit is $0, meaning there are no restrictions on the amount you can deposit, so you can prepare funds at your own pace. One cent lot is equivalent to 1,000 units of currency, and you can trade from a minimum of 0.01 cent lots (10 units of currency)

item	detail
Maximum leverage	2,000 times
spread	1.2 pips ~
Transaction fees	free
Minimum deposit amount	$0
Minimum trading unit	0.01 cent lot (10 units of currency)
Products handled	Over 50 types of foreign currency and gold
platform	MT4/MT5 compatible

The system is designed so that a margin call occurs when the margin maintenance ratio falls below 50%, and a forced stop-loss occurs when it falls below 20%

hold up to 150 positions simultaneously , and EAs (Expert Advisors) are also available, allowing you to try out various trading strategies.

Benefits of an HFM cent account

The biggest advantage of a cent account is that you can gain practical experience with significantly less capital

For example, if you trade USD/JPY in 0.01 cent lots (10 units of currency), even a 1 yen price movement will result in a profit or loss of only about 10 yen

We provide an environment where beginners can learn order methods and chart analysis without fearing large losses

The high leverage of 2,000 times is also a major strength

Even with a small amount of capital, you can secure sufficient trading volume, enabling capital-efficient trading

Furthermore, since there are no transaction fees, you won't incur any extra costs even if you frequently buy and sell

Another important point is that it can be traded in the real market

Unlike a demo account, you can experience actual execution speed and slippage

Being able to practice in a real-world environment, including under psychological pressure, is an essential element for growth as a trader

It is fully compatible with both MT4 and MT5, and automated trading using a wide range of indicators and EAs works without any restrictions

Since scalping and hedging are permitted, you can try out various trading methods

Disadvantages of HFM cent accounts

It's important to understand that there are some limitations to cent accounts

The biggest drawback is undoubtedly the limited selection of trading products

Trading is limited to foreign exchange and gold only; stock CFDs, cryptocurrencies, crude oil, etc., are not available

It's an unavoidable characteristic that profit margins tend to be small

While the risk is low, it is structurally difficult to aim for large profits

Even if you make a profit of 10 pips with a 0.01 cent lot, the actual profit will only be around 100 yen

Furthermore, attention should be paid to the unique notation used for cent accounts

Because the units are different from regular accounts, it's easy to make mistakes when calculating position sizes until you get used to it

If you are using accounts with other companies in addition to this one, you may encounter confusion due to differences in lot sizes

HFM Pro Account

HFM's Pro account is an account type that combines industry-leading narrow spreads with zero commissions

With spreads starting from a narrow 0.5 pips, we have created an environment where you can significantly reduce trading costs

The minimum deposit is $100 (approximately 15,000 yen), and advanced trading tools are also available

The Pro Account is designed to allow frequent traders to utilize a professional trading environment while minimizing trading costs

However, since it is not eligible for bonus programs, this account is chosen purely for those who prioritize favorable trading conditions

HFM Pro Account Specifications

Let's take a closer look at the basic specifications of the professional account. The maximum leverage is 2,000 times, which is among the best in the industry

The spread for EUR/USD starts at 0.5 pips (average 0.6 pips), which is about 50% narrower compared to the 1.2 pips offered in premium accounts

It features a simple pricing structure with no transaction fees, only a spread

The minimum deposit is $100 (approximately 15,000 yen), which is higher than the $0 minimum for premium accounts

The minimum trading unit is 0.01 lots (1,000 currency units), and you can trade up to a maximum of 60 standard lots

item	detail
Maximum leverage	2,000 times
spread	0.5 pips ~
Transaction fees	free
Minimum deposit amount	$100
Minimum trading unit	0.01 lot (1,000 units of currency)
Products handled	Over 50 types of foreign exchange, precious metals, energy, stock indices, and stock CFDs
platform	MT4/MT5 compatible

The system is designed so that a margin call occurs when the margin maintenance ratio falls below 50%, and a forced stop-loss occurs when it falls below 20%

hold up to 500 simultaneous positions and full support for EAs (Expert Advisors), you can execute a variety of trading strategies.

Benefits of HFM Pro Account

The biggest advantage of a Pro account is the low-cost trading environment, achieved through a combination of narrow spreads and commission-free trading

With spreads starting from just 0.5 pips on the EUR/USD pair, you can save approximately 50% on costs compared to the industry average of 1.0 pips

Because there are absolutely no fees, calculating transaction costs is easy, and managing profits and losses is also simple

The availability of advanced trading tools is also a major attraction. You can use the Autochartist plugin for automated chart analysis and the Advanced Insights tool, which features AI sentiment analysis, for free

Furthermore, you can also use Premium Trader Tools provided by FX Blue Labs, creating a professional trading environment

A notable feature is the Return on Free Margin program, which allows you to earn up to 3% interest on unused margin, maximizing capital efficiency。

With a maximum leverage of 2,000 times, you can take on large positions even with a small amount of margin

Furthermore, since it's possible to hold up to 500 positions simultaneously, there are no restrictions when diversifying investments across multiple currency pairs

Disadvantages of HFM Pro Account

The biggest drawback of a professional account is that you are not eligible for deposit bonuses or promotional campaigns

Since you cannot participate in the 20% deposit bonus and various promotions offered by HFM, you cannot increase your margin using bonuses

The competition will be based solely on the trading conditions. Restrictions on opening an account also need to be considered

Only one Pro account can be opened per myHF client area

If you want to use multiple professional accounts to execute different strategies, you will need to create separate accounts

This could be a constraint from the perspective of fund management and risk diversification

The minimum deposit of $100 is relatively high compared to the $0 minimum deposit for premium accounts

If you want to start with a small amount of money, the initial investment amount will be a hurdle

Furthermore, participation in the VIP rewards program may be restricted, and the inability to receive additional benefits based on trading volume is also a disadvantage

HFM Premium Account

HFM's premium account is the most standard account type, and you can start with a minimum deposit of $0

The spread starts from 1.2 pips, and trading is completely commission-free

With a maximum leverage of 2,000 times, efficient trading is possible even with small amounts of capital

The biggest advantage of a premium account is that it allows you to trade while utilizing additional margin, as it is eligible for bonus programs and promotions

This account includes full access to HFM's educational resources, providing a rich learning environment

HFM Premium Account Specifications

Let's take a closer look at the basic specifications of the premium account

The maximum leverage is 2,000 times, but in the EU/UK/AU, it is limited to 1:30 due to regulations

The spreads are 1.2 to 1.4 pips for EUR/USD (standard 1.4 pips), 1.2 pips and up for USD/JPY, and 1.6 pips and up for GBP/USD

It features a simple pricing structure with no transaction fees, only a spread

The minimum deposit is $0, and there are no restrictions on the amount you can deposit, so you can prepare your funds at your own pace

The minimum trading unit is 0.01 lots, and you can trade up to a maximum of 60 standard lots

item	detail
Maximum leverage	2,000 times (restrictions apply depending on the region)
spread	1.2 pips ~
Transaction fees	free
Minimum deposit amount	$0
Minimum trading unit	0.01 lot
Products handled	Foreign exchange, precious metals, energy, commodities, stock indices, stock CFDs, cryptocurrencies, ETFs, bonds
platform	MT4/MT5 compatible

The system is designed so that a margin call occurs when the margin maintenance ratio falls below 50%, and a forced stop-loss occurs when it falls below 20%

It allows for up to 600 simultaneous orders , fully supports EAs (Expert Advisors/automated trading), and offers swap-free options.

Benefits of HFM's Premium Account

The biggest advantage of the premium account is its extremely low minimum deposit of $0, which is rare in the industry

Since you can open an account without worrying about initial capital, it's ideal for those who want to check out the trading environment first

A key feature is that it makes it easy to adopt a strategy of starting with a small amount and gradually increasing your capital

Another major attraction is the eligibility to participate in HFM's various bonus programs and trading contests

By taking advantage of deposit bonuses and other offers, you can effectively increase your margin and trade more effectively

A VIP rewards program is also available, and a key feature is the system that allows users to receive various benefits based on their trading volume

In addition , free access to comprehensive educational resources provides a rich learning environment, including HFM e-Courses, live webinars, daily market analysis reports, and educational videos.

With a maximum leverage of 2,000 times, it is possible to hold large positions even with a small amount of margin

Furthermore, with the ability to place up to 600 simultaneous orders, there is ample room for diversifying investments across multiple currency pairs

Disadvantages of HFM's premium account

The biggest drawback of the premium account is that the spreads are wider compared to the pro account and zero account

A spread of 1.4 pips for EUR/USD is more than 40% wider than the 0.6 pips offered on a pro account, which tends to result in higher trading costs

If you trade frequently, the cumulative costs will become large. This environment is not suitable for scalping or high-frequency trading

Due to the wide spread, it is difficult to profit from small price movements in the short term, and you need to wait for larger price movements

Despite the name "Premium," it is essentially positioned as a standard entry-level account

If trading conditions are a priority, other account types may be more advantageous

There is a limit of 60 lots for the maximum position size, which may be an obstacle for large-scale trading

If you want to make larger trades, it seems you need to split your position into multiple positions

HFM Zero Account

HFM's Zero Account is an account type that offers a trading environment with spreads starting from 0.0 pips

The spread for major currency pairs starts from 0.0 pips, and a separate commission fee applies

The minimum deposit is $0, and trading is possible with a maximum leverage of 2,000 times

2In 2024, the trading fee for gold was reduced from $14 round trip to $10, making the account even more attractive to precious metals traders

We offer a pure trading environment with raw spreads directly connected to the interbank market, free from broker markups

HFM Zero Account Specifications

Let's take a closer look at the basic specifications of the Zero Account

The maximum leverage is 2,000 times, and it is dynamically adjusted based on your account balance

Our spreads start from 0.0 pips on major currency pairs, making us one of the narrowest in the industry

Transaction fees vary depending on the product

Major FX pairs cost $3 one way ($6 round trip), while minor FX pairs cost $4 one way ($8 round trip)

Following the 2024 revision, gold tickets cost $10 round trip, while other metal tickets cost $7 one way ($14 round trip)

The minimum deposit is $0, and you can start without any restrictions

item	detail
Maximum leverage	2,000 times (dynamically adjusted based on balance)
spread	0.0 pips ~
FX major pair commissions	Round trip $6
FX minor pair commissions	Round trip $8
Gold Fees	Round trip $10 (revised in 2024)
Minimum deposit amount	$0
Number of products handled	Over 1,000 financial products
platform	MT4/MT5 compatible

Starting in 2024, the fee billing method has been changed to a full upfront payment system at the start of trading, improving transparency

It allows you to hold up to 500 positions simultaneously and is fully compatible with EAs (Expert Advisors) and scalping.

Benefits of HFM Zero Account

The biggest advantage of a zero-spread account is that it allows you to trade in a zero-spread environment

Trading from 0.0 pips on major currency pairs completely eliminates the cost of spreads

With direct interbank access and no broker markups, we offer the most transparent trading environment

The fact that it offers an ideal environment for scalping is also a major attraction

High-speed execution and no requotes make this a favorable environment for traders who frequently engage in short-term trading

ECN-style execution ensures that trades are always executed at the best possible price

The reduction in gold fees in 2024 resulted in a cost reduction of approximately 30%, from $14 to $10 round trip, significantly improving profitability for precious metals traders

The wide range of options available, with over 1,000 financial products to trade, is also appealing

In addition to foreign exchange, trading is possible with zero spreads on a wide range of products including stock CFDs, commodities, and indices

Disadvantages of HFM Zero Account

The biggest drawback of a zero-transaction account is that you need to consider the total transaction costs, including fees

In the case of EUR/USD, even with a 0 spread, a $6 commission is charged for both the outbound and return trades, so in effect, a cost equivalent to approximately 0.6 pips is incurred

Furthermore, since fees vary depending on the product (e.g., $6 for FX pairs and $10 for gold), it is essential to check the fees before trading

If you trade frequently, these fees can accumulate and become a significant burden, so you need to be especially careful

Small-scale transactions also present challenges

Since the same fees apply even to small transactions of less than 0.1 lots, the ratio of fees to transaction volume becomes high

For example, even a trade of 0.01 lots incurs a minimum commission fee, which tends to make it less cost-effective

Furthermore, the system that automatically lowers the maximum leverage as the account balance increases is also a constraint for large-scale traders

Even when holding long-term positions, swap fees are incurred in addition to commissions, making it unsuitable for strategies other than short-term trading

HFM Top-Up Bonus Account

HFM's Top-Up Bonus Account is a special account type where 20% of your deposit is awarded as a bonus

You can earn a bonus of up to $5,000 (approximately 750,000 yen), which can be used as margin

The maximum leverage is 1,000x, which is lower than other account types

The biggest appeal of this bonus is its flexible conditions: profits earned can be withdrawn immediately, and there are no trading volume requirements

However, the bonus will expire if there are no trades for 60 days, so regular trading is required

HFM Top-Up Bonus Account Specifications

Let's take a closer look at the basic specifications of the top-up bonus account

The maximum leverage is 1,000x, which is lower than the 2,000x offered by other account types

The spread starts at 1.4 pips, which is 0.2 pips wider than the premium account

The bonus rate is 20% of your deposit, and you can earn up to $5,000

The minimum deposit amount varies depending on the payment method, but it is generally $200 or more

While the bonus itself cannot be withdrawn, any profits earned using the bonus can be withdrawn immediately

item	detail
Maximum leverage	1,000 times
spread	1.4 pips ~
Bonus rate	20% of the deposit amount
Maximum bonus amount	$5,000
Minimum deposit amount	Varies depending on the payment method (generally over $200)
Bonus expiration date	Expires after 60 days of inactivity
Products handled	Foreign exchange, precious metals, energy, etc. (excluding DMA/ETFs)
platform	MT4 or MT5 (only one of them)

When you withdraw funds, the bonus decreases proportionally; if you withdraw 50%, the bonus will decrease by 50%

Only one account can be opened per client, and swap-free trading is not available

Benefits of HFM's Top-Up Bonus Account

The biggest advantage of a top-up bonus account is that you can continuously earn a 20% bonus

You can increase your effective trading capital by making additional margin of up to $5,000

Since bonuses can be accumulated in stages even with multiple deposits, it is possible to implement a strategy of gradually increasing your funds

An important point is that bonuses also have a cushioning function

It can be used as margin and also functions as stop-loss protection in case of unrealized losses

In other words, one of its attractions is that it provides an environment where you can trade while reducing the risk to your own capital

What's particularly noteworthy is that there are no withdrawal restrictions on profits earned using bonuses, and there are no trading volume requirements, allowing for flexible fund management

Since the bonus is reflected in your account in real time, you can start trading with increased margin immediately after making a deposit

While other FX brokers often have strict conditions for profit withdrawals, HFM can be said to offer flexible conditions

Disadvantages of HFM's Top-Up Bonus Account

The biggest drawback of the top-up bonus account is that the spread is relatively wide, starting at 1.4 pips

Compared to the 0.5 pips offered on a pro account, the cost is approximately three times higher, which significantly impacts profits if you trade frequently

Furthermore, the leverage is limited to 1,000 times, which is lower than the 2,000 times offered for other account types

Since the position size that can be held is halved even with the same margin, this is a disadvantage in terms of capital efficiency

Many restrictions are also in place regarding the trading environment

Since swap-free trading is not available, a disadvantage is that interest costs are incurred if you carry over a position to the next day

Additionally, there are restrictions: only one account per client is allowed, and only one of either MT4 or MT5 can be selected

You also need to be careful when managing your bonuses

Regular trading is essential because the entire bonus will expire if there are no trades for 60 days

To avoid wasting the bonus you've earned, it's important to develop a consistent trading plan

HF Copy Account

The HF Copy Account is a special account type that allows you to automatically copy the trades of experienced traders

With the significant improvements in April 2024, the minimum deposit amount for followers was lowered to $25 (approximately 3,750 yen)

The maximum leverage is 500 times, and we employ a performance-based fee structure

The biggest advantage is that you only pay a commission if you make a profit, allowing you to utilize professional trading strategies while keeping initial costs low

Strategy providers can have up to five strategy accounts and accept up to 200 followers per strategy

Specifications of HFM's HF Copy Account

Let's take a closer look at the basic specifications of an HF copy account

The maximum leverage is 500 times, which was increased from 400 times in 2024

The minimum deposit for followers has been drastically reduced to $25, and the minimum deposit for strategy providers has also been cut to $100 (from the previous $300)

The fee structure is performance-based, with strategy providers receiving up to 50% of the profits

Followers only pay a fee for successful transactions; there are no subscription fees or deposit/withdrawal fees whatsoever

Starting in 2024, aptitude tests are no longer required, and account opening is now possible with just one click

item	detail
Maximum leverage	500 times (increased from 400 times in 2024)
Minimum deposit amount for followers	$25
Provider minimum deposit	$100 (reduced from $300)
success fee	Up to 50% of profits
Subscription fee	free
Products handled	Foreign exchange, gold, and stock indices only
platform	MT4 only (MT5 not supported)

A strategy provider can have up to five strategy accounts and accept up to 200 followers per strategy

This system allows followers to automatically replicate transactions while maintaining full account management privileges

Benefits of HFM's HF Copy Account

The biggest advantage of an HF copy account is that it can automatically replicate the trading strategies of professional traders

Even without time for market analysis or strategy development, you can execute the same trades as experienced traders

Because you maintain complete account management privileges, you can stop trading or withdraw funds at any time

The 2024 update significantly lowered the barriers to entry

The minimum deposit for followers has been lowered to $25, and leverage has been increased to 500x

With the ability to open an account with a single click without needing an aptitude test, you can now start trading immediately

Our transparent, performance-based fee structure means you only pay a commission if you make a profit, so there are no additional costs if you incur losses

The fact that there are no subscription fees or deposit/withdrawal fees is also a major attraction

You can compare the track records of multiple strategy providers and choose the strategy that suits you best

The system allows you to check past transaction history and profitability before deciding whether or not to follow a seller

Disadvantages of HFM's HF Copy Account

The biggest drawback of the HF Copy account is that it is limited to MT4 and does not support MT5

This is a limitation if you want to use the latest trading platform

Furthermore, tradable products are limited to foreign exchange, gold, and stock indices; cryptocurrencies and energy products cannot be traded

It's also important to note the restriction that only one provider can be followed per account

If you want to diversify your investments by combining strategies from multiple providers, you will need to open multiple accounts

The fact that the success fee is up to 50%, which is among the highest in the industry, also contributes to profitability

Another drawback is that half of the profits are deducted as fees, significantly reducing the actual revenue

For example, even if you make a profit of $100, you'll only end up with $50

It's also important to note that past performance doesn't guarantee future profits

Even providers with an excellent track record can incur losses due to changes in market conditions

While 500x leverage offers the potential for high returns, it's important to understand that it also significantly increases the risk of losses

Comparing 6 types of HFM account types

HFM currently offers six main account types, each with its own distinct features

Compare the specifications of each account—Cent Account, Pro Account, Premium Account, Zero Spread Account, Top-Up Bonus Account, and HF Copy Account—to find the account that's best for you

Since conditions such as leverage, spreads, fees, and bonuses vary greatly depending on the account, it is important to choose one that suits your trading style

Improvements in 2024 have resulted in more user-friendly conditions, particularly with reduced gold fees for zero-spread accounts and lower minimum deposits for HF copy accounts

Below, we provide a detailed comparison of each item to help you choose the right account

Comparison of maximum leverage

The maximum leverage available varies depending on the type of HFM account

Our Cent Account, Pro Account, Premium Account, and Zero Spread Account offer industry-leading leverage of up to 2,000x

On the other hand, the top-up bonus account has a lower leverage ratio of 1,000x, while the HF copy account has a lower leverage ratio of 500x

High leverage offers the advantage of allowing you to take on large positions with a small amount of margin, but it also increases the risk

With a cent account, you can trade in the actual market with a margin of just 10 cents, thanks to 2,000x leverage .

Account type	Maximum leverage
Cent account	2,000 times
ProDrive	2,000 times
Premium Account	2,000 times (30 times for EU/UK/AU)
Zero-spread account	2,000 times (dynamically adjusted based on balance)
Top-up bonus account	1,000 times
HF Copy Account	500 times (increased from 400 times in 2024)

It's also important to remember that with a zero-spread account, leverage is automatically limited as your account balance increases

In regulated regions such as the EU, UK, and AU, all accounts are limited to a maximum of 30x leverage

For beginners, I recommend starting with low leverage and gradually increasing it as you gain experience

Overseas Forex Leverage Comparison! Recommended Brokers with Leverages from 1000x to Unlimited, and a Summary of Regulatory Rules Including Calculations and Limitations!

Spread comparison

The spread is a crucial factor that directly impacts trading costs, and it varies significantly depending on the account type

The Pro account offers the tightest trades, starting from 0.5 pips (average 0.6 pips) for EUR/USD

Zero-spread accounts start at 0.0 pips, but a separate commission fee is charged

Cent accounts offer 1.2 to 1.4 pips (average 1.2 pips), which is comparable to premium accounts

The difference in cost between a Pro account (0.6 pips) and a Cent account (1.2 pips) is approximately double

Account type	EUR/USD spread	Features
Cent account	1.2–1.4 pips	Standard settings
ProDrive	0.5pips ~ (average 0.6pips)	Industry's narrowest standard
Premium Account	1.2-1.4pips (standard 1.4pips)	Standard settings
Zero-spread account	0.0 pips ~	Additional fees apply
Top-up bonus account	1.4 pips ~	0.2 pips wider than the premium version
HF Copy Account	by the provider	Depends on the conditions of the source copy

For scalping traders who make frequent trades, a Pro account or zero-spread account with narrow spreads is advantageous

On the other hand, for long-term investments with infrequent trades, the difference in spreads doesn't have much of an impact

The spread on an HF copy account varies depending on the account conditions of the provider you follow

Overseas Forex Spread and Commission Comparison List | Introducing Zero Spread Accounts and Brokers with Narrow Spreads

Comparison of transaction fees

Whether or not there are transaction fees is an important factor in calculating the total transaction cost

Cent accounts, Pro accounts, Premium accounts, and Top-Up Bonus accounts are commission-free and feature a simple pricing structure with only spreads

On the other hand, zero-spread accounts use a commission system, and the fees vary depending on the product

The commission for a zero-spread account is $6 round trip for major FX pairs and $8 round trip for minor pairs

In 2024, the commission for gold was reduced from $14 to $10 round trip, easing the burden on precious metal traders。

Account type	Transaction fees	remarks
Cent account	free	Spread only
ProDrive	free	Spread only
Premium Account	free	Spread only
Zero-spread account	Round trip $6-14	Varies by product
Top-up bonus account	free	Spread only
HF Copy Account	Success fee type	Up to 50% of profits

HF Copy Accounts have a unique fee structure where you only pay a success fee if you make a profit

Since no fees are charged in case of losses, this system makes it easier for beginners to minimize risk

However, since the success fee is relatively high at up to 50%, profitability needs to be considered

Bonus comparison

The bonus program is only available to a limited number of accounts, and the conditions vary for each account

Only the Top-Up Bonus account is a dedicated account offering a 20% deposit bonus (up to $5,000)

Premium accounts are also eligible for various bonus programs, but the specific details may vary depending on the time period

Cent accounts are not eligible for major bonus programs and cannot receive 100% SuperCharged bonuses or 100% Credit bonuses

Pro accounts and zero-spread accounts are also excluded from bonuses, designed to allow trading based solely on the trading conditions

Account type	Bonus eligible	detail
Cent account	×	Not eligible for major bonus programs
ProDrive	×	Not eligible for bonus
Premium Account	○	Applicable to various programs
Zero-spread account	×	Not eligible for bonus
Top-up bonus account	◎	20% deposit bonus (up to $5,000)
HF Copy Account	×	Not eligible for bonus

If you want to take advantage of bonuses, you need to select either a Top-Up Bonus Account or a Premium Account

Top-up bonus accounts will expire if there is no trading activity for 60 days, and the bonus will be proportionally reduced upon withdrawal

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Comparison of minimum deposit amounts

The minimum deposit amount is a crucial factor that directly impacts the difficulty of opening an account

Cent accounts, premium accounts, and zero-spread accounts have a minimum deposit of $0, so you can open an account even if you don't have funds ready

You can start with a small amount, with a Pro account starting at $100 and an HF Copy account follower starting at $25

The amount required for a top-up bonus account varies depending on the payment method, but generally, it is $200 or more

A cent account has a minimum deposit of $0 and allows trading from 0.01 lots (10 currency units) of 1 cent lot (1,000 currency units)

Account type	Minimum deposit amount	remarks
Cent account	$0	No restrictions
ProDrive	$100	Approximately 15,000 yen
Premium Account	$0	No restrictions
Zero-spread account	$0	No restrictions
Top-up bonus account	Approximately $200	Varies depending on the payment method
HF Copy Account (Follower)	$25	Approximately 3,750 yen
HF Copy Account (Provider)	$100	Reduced from $300

For beginners who want to start with a small amount, the Cent Account, Premium Account, and Zero Spread Account are suitable

HF copy accounts can be started from just $25, making them a good option for those who want to try copy trading

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Comparison of available stocks

The types and number of securities traded are important factors that determine the scope of trading

With Pro, Premium, and Zero Spread accounts, you can trade a wide range of products including foreign exchange, precious metals, energy, commodities, stock indices, stock CFDs, cryptocurrencies, ETFs, and bonds

In particular, the zero-spread account supports over 1,000 financial products

On the other hand, the Cent account is characterized by being limited to over 50 currency pairs and gold only

Cent accounts do not allow trading of stock indices, energy, cryptocurrencies, etc.; they are accounts exclusively for FX and gold

Account type	Number of products handled	Main restrictions
Cent account	50+ currency pairs + gold only	Forex and gold only
ProDrive	Over 50 currency pairs + a variety of products	none
Premium Account	Applicable to all products	none
Zero-spread account	Over 1,000	none
Top-up bonus account	Basic products only	DMA/ETF not allowed
HF Copy Account	limited	Forex, gold, and stock indices only

If you want to diversify your investments across a variety of products, we recommend the Pro Account, Premium Account, or Zero Spread Account

Cent accounts have the most limited product range, and HF copy accounts also have restrictions

Recommended Currency Pairs for Overseas Forex Trading | Explanation of Easy-to-Win Currency Pairs and Their Characteristics

Comparison of swap-free options

Swap-free trading is a system where no interest is charged even if you hold a position overnight

Swap-free options are available for Cent accounts, Pro accounts, Premium accounts, and Zero Spread accounts (Islamic accounts), and are applied upon request

On the other hand, swap-free trading is not available in top-up bonus accounts

Cent accounts can be set to swap-free, meaning that no interest is charged even if you hold a position overnight, upon request

Account type	Swap-free compatible	remarks
Cent account	○	It is possible to apply for an Islamic account
ProDrive	○	Available upon application
Premium Account	○	Available upon application
Zero-spread account	○	Available upon application
Top-up bonus account	×	Unavailable, no Islamic account available
HF Copy Account	－	It depends on the provider

If you plan to invest for the long term, you can reduce holding costs by choosing an account that offers swap-free options

If you primarily engage in day trading, the presence or absence of swaps is not particularly important

A thorough comparison of swap points for overseas forex brokers: Calculation methods and introduction of swap-free brokers

Comparison of trading volume

The minimum and maximum trading units are factors that influence money management and trading strategies

The cent account has a unique structure where 1 cent lot equals 1,000 currency units, and trading is possible from a minimum of 0.01 cent lot (10 currency units)

Other accounts use a standard 1 lot = 100,000 currency units, and trading is possible from a minimum of 0.01 lots (1,000 currency units)

The number of positions you can hold simultaneously also varies depending on your account

Cent accounts allow a maximum of 150 positions, Pro accounts and Zero Spread accounts allow up to 500 positions, and Premium accounts allow up to 600 orders

Account type	1 lot unit	Minimum/Maximum trading unit	Maximum simultaneous positions
Cent account	1,000 units of currency	0.01–200 cent lot	150 positions
ProDrive	100,000 units of currency	0.01 to 60 lots	500 positions
Premium Account	100,000 units of currency	0.01 to 60 lots	600 orders
Zero-spread account	100,000 units of currency	0.01 to 60 lots	500 positions
Top-up bonus account	100,000 units of currency	0.01 to 60 lots	Not specified
HF Copy Account	100,000 units of currency	Provider dependent	Provider dependent

The 10-unit currency trading in a cent account is ideal for practicing with very small amounts of capital

If you plan to conduct large-volume trades, you should check the maximum lot size limit of 60 lots for standard account types

Recommended traders by account type for HFM

HFM offers six account types, each with distinct features, so the best choice depends on the trader's experience level and trading style

By comprehensively considering factors such as trading costs, leverage, bonuses, and available products, you can choose the account that best suits you

Since there are accounts available to suit the needs of everyone from beginners to advanced investors, it's important to choose one that matches your investment goals and budget

Each account type has a clear target audience, and understanding its characteristics will help you choose the right account without making a mistake

Below, we will explain in detail the ideal trader profile for each of the six account types

Cent Account | For beginner traders who want to start trading with small amounts

Source: HFM

The Cent account is the ideal account type for beginners who want to transition from a demo account to actual trading

With a minimum deposit of $0 and trading starting from just 10 currency units (0.01 cent lots), you can experience the real market with just a few hundred yen

Thanks to its unique specification of 1 cent lot = 1,000 currency units, even a 1 pip fluctuation is designed to limit profits and losses to an extremely small amount of approximately 0.1 dollars

This account is suitable for beginners who want to get used to the actual market environment

You can experience the psychological pressure that you can't feel with a demo account, with minimal risk

For example, if you deposit 1,000 yen, a significant advantage is that even if the market moves against you by 100 pips in a 10-unit trade, your loss will only be a mere $1 (approximately 150 yen)

However, there are significant limitations: the products offered are limited to over 50 currency pairs and gold, and it is not eligible for major bonus programs

Once your funds exceed 5,000 yen, we recommend switching to a premium account, which has the same minimum deposit of $0 and the same spread levels

With a premium account, you get access to over 1,000 commodity trading options and bonus programs, so you should consider a standard cent account as merely a practice account for the first two to three months

The only account that allows trading in units of 10 currency units. Develop a genuine sense of market trends while minimizing actual losses

Pro Account | For intermediate to advanced traders who prioritize low transaction costs

Source: HFM

The Pro account is the ideal account type for experienced traders who want to minimize trading costs

With an industry-leading narrow EUR/USD spread starting at 0.5 pips (average 0.6 pips) and completely commission-free, this platform offers an ideal environment for frequent traders

The minimum deposit of $100 (approximately 15,000 yen) indicates that this platform is targeted at traders with a certain level of capital

This account is most effective for traders who primarily engage in day trading or swing trading

For example, if you make 10 trades a day, there will be a difference of $8 per lot traded between a Pro account (0.6 pips) and a Premium account (1.4 pips), resulting in a monthly cost difference of approximately $1,600 (approximately 240,000 yen)

The Return on Free Margin program, which allows you to earn up to 3% interest on unused margin, is also a significant advantage for intermediate and advanced traders who prioritize capital efficiency

However, it is not eligible for bonus programs and is limited to one Pro account per account

This account type is recommended for serious traders who want to compete solely on trading conditions and who make more than 100 trades per month

This account boasts the industry's narrowest 0.5 pips spread, zero commissions, and interest up to 3%, making it the best in terms of cost

Premium Account | The basic account type, suitable for beginners to advanced traders

Source: HFM

The Premium account is the most balanced and standard account type within HFM

With a minimum deposit of $0, a spread of 1.2 to 1.4 pips, and a maximum leverage of 2,000 times, it is designed to be easy for beginners to start with, while also meeting the demands of advanced traders

A major feature is that it offers various bonus programs and allows you to execute diverse investment strategies with over 1,000 products

This account is especially suitable for beginners and intermediate traders who want to seriously start trading in overseas forex

Even if you have experience in stock investing but are new to overseas forex trading, you can learn by utilizing our abundant educational resources (HFM e-Course, live webinars, daily market analysis)

With the ability to place up to 600 orders simultaneously, it's also recommended for traders who want to diversify their investments across multiple currency pairs

With access to VIP reward programs and trading contests, it's ideal for traders who want to grow while enjoying trading

Although the spreads are wider than on the Pro account, you can effectively reduce trading costs by taking advantage of bonuses

This account type is highly recommended for traders who make fewer than 50 trades per month and want to gain experience by trying out various products

This versatile account has a minimum deposit of 0 yen, allows trading of all products, is eligible for bonuses, and includes comprehensive educational resources

Zero Account | For scalping traders who prioritize spreads

Source: HFM

The Zero Spread account is a specialized account designed for traders who engage in scalping or high-frequency trading

We offer true zero spreads starting from 0.0 pips on major currency pairs and employ a transparent pricing system with a separate commission fee (6 dollars round trip for major FX pairs)

Our direct connection to the interbank market allows us to offer raw spreads, ensuring you can execute trades at the most favorable prices

This account is ideal for scalping traders who make dozens to hundreds of trades per day

For example, if you make 50 trades a day aiming for a 10-pip profit on EUR/USD, even a spread difference of 0.1 pips can result in a difference of over $100 per month

High-speed execution and no requotes make it possible to capture instantaneous price fluctuations

In 2024, the commission for gold was reduced from $14 round trip to $10, improving the profitability of precious metal scalping by approximately 30%

However, including fees, the actual cost is equivalent to 0.6 pips, making it less cost-effective for small trades

This account is for advanced traders who have the capital to trade at least 0.1 lots, ideally 1 lot or more, and who have a clear scalping strategy

With true 0.0 pips spreads and ECN execution, individuals can enjoy the same trading environment as professionals

Top-Up Bonus Account | For traders who want to take advantage of bonuses

Source: HFM

The Top-Up Bonus account is specifically designed for traders who want to continuously receive a bonus of 20% of their deposit amount (up to $5,000)

The bonus can be used as margin, and its cushioning function protects your own funds even if unrealized losses occur

Profits can be withdrawn immediately, and there are no trading volume requirements, allowing for highly flexible fund management

This account is suitable for traders who want to take large positions with limited funds

For example, if you deposit $1,000 and receive a $200 bonus, you can effectively trade with $1,200 in margin

This makes it possible to aim for higher returns while minimizing risk

However, it's important to note that the spread is wide, starting at 1.4 pips, and the leverage is limited to 1,000 times

If there are no trades for 60 days, the entire bonus will expire, and swap-free trading will also be unavailable

This account type is recommended for active traders who trade regularly and can make the most of their bonuses

This is also suitable for intermediate players who want to gain experience by receiving a large bonus on their first deposit

The only dedicated bonus account that instantly increases your margin by 20%. Maximize the efficiency of small capital

HF Copy Account | For part-time traders who don't have time to watch charts

Source: HFM

The HF Copy Account is ideal for busy business professionals who don't have time to trade themselves, or for beginners who want to learn professional strategies

You can start with as little as $25 (approximately 3,750 yen) and automatically copy the trades of experienced traders

Our fee structure is performance-based, meaning you only pay a commission (up to 50%) if you make a profit

This account is particularly suitable for part-time traders who are busy with work during the week and don't have time to analyze charts

By choosing a top-performing strategy provider, trades can be executed automatically, allowing you to aim for profits while maintaining full account control

Since you can check past transaction history and profit rates before making a selection, there is also the advantage of being able to understand the risks in advance

With the 2024 update, the maximum leverage was increased to 500x, and the aptitude test was eliminated, making it easier to get started

However, trading is limited to MT4 only, and the available trading instruments are restricted to foreign exchange, gold, and stock indices

Since you can only follow one provider per account, you will need multiple accounts for diversified investment

This is an ideal option for part-time traders who prioritize time efficiency and want to leverage the expertise of others

Fully automated trading starting from $25. A revolutionary system that allows even those with no prior knowledge to replicate professional trading

Points to note regarding HFM account types

There are several important restrictions you should be aware of before opening an account with HFM

Since there are many elements that cannot be changed later, such as the inability to change account types, bonus restrictions, and maintenance fees, prior understanding is essential

Beginners in particular may face unexpected problems or additional costs if they open an account without understanding these points

Since there are many factors that cannot be reversed once a decision is made, you need to choose your account carefully

Below, we will explain in detail five important points to keep in mind when managing an HFM account

Points to note	Affected accounts	Solutions
Account type cannot be changed	Applicable to all accounts	Initially, choose a versatile premium account
Bonus restrictions	CentPro Zero account	If you prioritize bonuses, select the eligible account from the start
Dormant account maintenance fee ($5 per month)	All accounts with no trading activity for 60 days	Transactions or balances should be zero at least once every two months
Account cannot be deleted	Applicable to all accounts	Plan your account opening carefully to avoid creating unnecessary accounts
Restrictions on the types of products that can be handled	Cent accounts only	After practicing FX trading, migrate to another account as soon as possible

Account type cannot be changed after opening

At HFM, you cannot change the account type once it has been opened

For example, if you start with a cent account and later want to switch to a pro account, it's impossible to change an existing account

If you wish to use the new account type, you will need to open a separate new account

There are many cases where this restriction becomes a problem

It seems that some beginners start with a cent account, only to later realize the limitations on available products and the fact that they are not eligible for bonuses

Furthermore, if a trader who was trading in a premium account wants to take advantage of the narrower spreads of a pro account as their trading frequency increases, they will have to go through the trouble of transferring funds and opening a new account

Therefore, when choosing your first account, we recommend starting with a versatile premium account, taking into account how your trading style may change in the future

However, it is possible to have multiple accounts under a single account

You can open up to seven additional accounts, allowing you to use multiple account types for different strategies and fund management

The important thing is to carefully choose the type of account you will use as your main account from the very beginning

Only top-up bonus accounts are eligible for the bonus

HFM's bonus program is heavily restricted depending on the account type, so particular attention should be paid to this

The 20% deposit bonus (up to $5,000) is an exclusive benefit for Top-Up Bonus accounts

Premium accounts are also eligible for various bonus programs, but the specific details may vary depending on the time period

The most important thing to note is that Cent accounts, Pro accounts, and Zero Spread accounts are completely excluded from the bonus program

These accounts are not eligible for any of the major bonuses offered by HFM, such as the 100% SuperCharged bonus or the 100% Credit bonus

Favorable trading conditions and bonuses are in a trade-off relationship

If bonuses are your priority, you should choose either a Top-Up Bonus Account or a Premium Account from the start

Additionally, the bonus in the top-up bonus account has a 60-day expiration date, and it appears that the entire bonus will be forfeited if no trades are made within this period

When you withdraw funds, the bonus decreases proportionally; for example, if you withdraw 50%, 50% of the bonus will be forfeited

Understanding these conditions is crucial for planning how to make the most of your bonus

Dormant accounts incur maintenance fees

HFM is a system where maintenance fees are charged to accounts that have not been traded for a certain period of time

Accounts with no trading activity for 60 days will be considered dormant and a monthly maintenance fee of $5 will be automatically deducted

This maintenance fee will be deducted directly from your account balance and will continue until the balance reaches zero

Particular caution is needed if you have multiple accounts

Even if your main account is actively traded, neglecting your secondary account could result in maintenance fees being incurred without you realizing it

For example, if you leave $100 in a cent account you opened for testing purposes and forget about it, it will all be gone after 20 months due to maintenance fees

To avoid the maintenance fees for dormant accounts, it's important to either make a transaction at least once every two months or to keep the balance of unused accounts at zero

However, no maintenance fees will be charged if the account balance is zero

Furthermore, if you make even one transaction, the 60-day countdown will start again from that point

If you anticipate being unable to trade for an extended period due to long vacations, hospitalization, or other reasons, we recommend withdrawing your funds in advance

Once an account is opened, it cannot be deleted

HFM does not allow you to completely delete an account once it has been opened

Even if you no longer use an account, it will remain permanently on your account

This is likely done to preserve transaction history and comply with regulatory requirements, but it can be an administrative burden for users

One problem that arises from this restriction is that the account list becomes cumbersome

Because accounts opened for testing purposes or used temporarily are all displayed, it becomes difficult to find active accounts

In particular, after trying out multiple account types, unused accounts will continue to appear on the screen

Since accounts cannot be deleted, it is wise to plan carefully from the start when opening accounts and avoid creating a multitude of unnecessary accounts

One solution is to effectively disable unused accounts by setting their balance to zero

An account with a zero balance incurs no maintenance fees and poses no real harm

Additionally, giving your main account a clear and easy-to-understand name makes it easier to identify among multiple accounts

It is important to open accounts carefully and only to the minimum extent necessary

With an HFM cent account, you can only trade forex and gold

Cent accounts have significant limitations on the products they offer, restricting trading to only over 50 currency pairs and gold (XAU/USD)

Stock indices, energy commodities, individual stocks, cryptocurrencies, and precious metals such as silver cannot be traded

This is an extremely limited setup compared to other account types, which allow trading of over 1,000 products

This restriction makes it difficult to implement diversified investments and diverse trading strategies

For example, even if you want to hedge your risk by trading crude oil or gold at the same time as trading USD/JPY, you cannot trade crude oil in a cent account

Furthermore, trading strategies that utilize correlations with stock price indices are not feasible

The Cent account should be considered purely for practicing FX trading, and if you wish to trade a wider variety of commodities, you should consider upgrading to a Premium account as soon as possible

Furthermore, since cent accounts are not eligible for major bonus programs, their long-term benefits are limited

While it has the advantage of allowing trading in units of 10 currency units, it is inferior to other account types in other respects

It's important to position this account as one where beginners can learn the basics in the first one or two months, and then plan to systematically transition to an account with a wider range of products afterward

Frequently Asked Questions about HFM Account Types

We receive many questions and inquiries from traders regarding HFM account types

It's important to accurately understand key information when choosing an account, such as whether a standard account is available, the number of accounts that can be opened, and whether it supports yen-denominated transactions

Beginners in overseas forex trading, in particular, often find themselves confused by the differences between overseas and domestic forex trading, so it's essential to resolve any questions beforehand

Knowing the answers to these questions will enable you to make more appropriate account choices and manage your funds effectively

Below, we will explain in detail six common questions regarding HFM account types

Summary | A thorough explanation of recommended account types for HFM

HFM offers six different account types, each with its own unique features

For beginners, we recommend the cent account, which allows you to start with a small amount

You'll be able to practice FX trading while minimizing risk

On the other hand, for those with some experience, the Pro account or Zero account is more suitable

Its key feature is that it offers narrow spreads and low transaction costs, making it easier to maximize profits

Furthermore, if you want to take advantage of bonuses, the Top-Up Bonus account is your only option

For busy office workers, an HF copy account might be an option

Because you can directly copy the trades of professional traders, you can manage your account even if you don't have time to look at charts

However, you cannot make changes after opening an account, so you need to choose carefully

First, try to clarify your investment style and the amount of capital you have

Choosing the right account for your purpose is important; a cent account is suitable for those who want to start with a small amount, while a premium account is better for those who want to trade seriously

Since opening an account is free, if you're unsure which one to choose, you can open multiple accounts and use them for different purposes

Open an account with HFM's official website today and make your debut in overseas forex trading with the account type that's right for you