N
Nurhadi
Professional Forex & Gold Trader · 8+ years live markets
Last updated: June 30, 2026 · Full HFM Review →
HFM Account Types 2026: Cent vs Premium vs Zero vs Pro Compared
HFM offers four live account types with genuinely different cost structures — not just label differences. The Cent account is purpose-built for micro-lot beginners; the Zero account delivers raw spreads for scalpers and automated systems. Here's the honest comparison so you can pick the right one.
Quick Summary — HFM Account Types
- Cent: micro lots, from $0, spreads from 1.2 pip, no commission
- Premium: standard lots, from $0, floating spread, no commission
- Zero: raw spread from 0.0 pip, from $0, ~$6 commission forex / $10 gold per lot round-turn
- Pro: from $100, spreads from 0.6 pip, no commission — mid-range cost
- All accounts: swap-free available, MT4/MT5/HFM App, leverage up to 1:2000
- Access to 1,000+ instruments across all account types
📚 Related Guides
Account Cards — At a Glance
BEGINNERS
Cent
$0
minimum deposit
- Cent lots (100x smaller)
- Spreads from 1.2 pip
- No commission
- Swap-free available
- MT4 & MT5
POPULAR
Premium
$0
minimum deposit
- Standard lots
- Floating spread, competitive
- No commission
- All 1,000+ instruments
- MT4 & MT5
SCALPERS / EA
Zero
$0
minimum deposit
- Spreads from 0.0 pip
- ~$6/lot forex, $10/lot gold
- Market execution
- All 1,000+ instruments
- MT4 & MT5
MID-ADVANCED
Pro
$100
minimum deposit
- Spreads from 0.6 pip
- No commission
- All 1,000+ instruments
- Swap-free available
- MT4 & MT5
Full Specification Comparison
| Feature | Cent | Premium | Zero | Pro |
|---|---|---|---|---|
| Min. Deposit | $0 | $0 | $0 | $100 |
| Lot sizing | Cent lots | Standard | Standard | Standard |
| EUR/USD spread | From 1.2 pip | Floating | From 0.0 pip | From 0.6 pip |
| Commission (forex) | None | None | ~$6 round-turn/lot | None |
| Commission (XAUUSD) | None | None | ~$10 round-turn/lot | None |
| Execution | Market | Market | Market | Market |
| Swap-free | Available | Available | Available | Available |
| Instruments | Forex + Gold | 1,000+ | 1,000+ | 1,000+ |
| Leverage | Up to 1:2000 | Up to 1:2000 | Up to 1:2000 | Up to 1:2000 |
| Best for | Beginners, micro lot | All-round trading | Scalping, EA, volume | Mid-level active traders |
⚠️ Zero Account — Gold Commission Is Higher Than ForexOn the HFM Zero account, the commission for trading gold (XAUUSD) is approximately $10 per lot round-turn — significantly higher than the ~$6 for forex major pairs. If gold is your primary instrument and you trade high volume, this commission difference should factor into your total cost calculation when comparing HFM Zero against the Pro or Premium accounts for gold specifically.
Which Account Should You Choose?
| Your Situation | Best Account | Why |
|---|---|---|
| Just starting out, want minimal risk | Cent | Micro lot sizing means tiny P&L exposure per move |
| Active trader, don't want to pay commission | Premium | No commission, competitive floating spreads |
| Scalper or EA trader, focus on forex | Zero | Raw spreads from 0.0 pip — lowest cost for high-frequency forex |
| Active trader wanting tight spreads without comms | Pro | Tighter than Premium, no commission — middle ground |
| High-volume gold (XAUUSD) trader | Premium or Pro | Zero account gold commission $10/lot negates raw spread advantage |
ℹ️ Can I Have Multiple Account Types?Yes. You can open multiple accounts of different types under the same HFM myHF profile. This lets you, for example, maintain a Cent account for strategy testing while running a Zero account for active live trading — all managed from one dashboard.
Frequently Asked Questions — HFM Accounts
What are the HFM account types? +
HFM offers four main live account types: Cent (micro lot sizing, no commission, from $0), Premium (standard lots, floating spread, no commission, from $0), Zero (raw spreads from 0.0 pips, commission approximately $6 round-turn for forex majors and $10 for gold, from $0), and Pro (spreads from 0.6 pips, no commission, from $100). All accounts support swap-free trading on MT4, MT5, and the HFM App.
Which HFM account is best for scalping? +
The HFM Zero account is best suited for scalping because it offers the tightest spreads (from 0.0 pips) with a fixed commission per lot. This predictable cost structure is more efficient for high-frequency trading. Note that gold (XAUUSD) commission on Zero is approximately $10 per lot round-turn, higher than the $6 for forex majors.
What is the minimum deposit for HFM accounts? +
The Cent, Premium, and Zero accounts have no stated minimum deposit — they can technically be opened from $0 subject to payment method minimums. The Pro account requires a minimum deposit of $100.
Does HFM offer swap-free accounts? +
Yes. HFM offers swap-free options on all four account types — Cent, Premium, Zero, and Pro. The swap-free feature removes overnight interest charges in compliance with Sharia law. Activate this when opening your account or request it through HFM customer support.
What is the HFM Cent account? +
The HFM Cent account uses cent lot sizing, where 1 lot equals 1,000 units of the base currency instead of the standard 100,000 units. This makes pip values 100x smaller than a standard account, allowing traders to get real-market experience with very low capital exposure. Spreads start from 1.2 pips with no commission.
🚀 Open an HFM Account
Free · Choose from Cent, Premium, Zero, or Pro
