HFM trading fees come from 3 main cost layers: spreads, commissions and overnight fees. Among them, HFM spreads and commissions vary significantly by account type, product and trading session.
HFM currently offers InfinityX, Cent, Zero, Pro and Premium accounts to international clients. This article compiles the published rates, shows how to calculate the total cost per lot on EUR/USD and XAU/USD, and explains how to pick the right account. If you’re still weighing up the broker’s credibility before its costs, read our is HFM a trustworthy broker review first.
This article was produced by Backcom.io.
Contents: HFM fee table → Spreads → Commission → Overnight fees → Other fees → How to reduce fees → FAQ.
HFM Trading Fees Table Across HFM Account Types
According to HFM data checked by Backcom.io on August 31, 2026, HFM account types currently have the following cost structures. These figures are the minimums HFM publishes — it does not mean spreads stay fixed at these levels at all times. See HFM’s official account table
| Account | EUR/USD spread from | Forex commission | Minimum deposit | Best for |
|---|---|---|---|---|
| InfinityX | ~0.5 pip* | None | $500 | Well-funded traders needing tight spreads |
| Cent | 1.4 pips | None | $0 | Beginners, strategy testing |
| Zero | 0 pip | $6/lot round turn** | $0*** | Scalpers, day traders |
| Pro | 0.6 pip | None | $100 | Frequent traders |
| Premium | 1.4 pips | None | $0 | Everyday traders |
* HFM advertises InfinityX spreads from 0.3 pip on some products, while the specific EUR/USD figure at the time of checking showed about 0.5 pip.
** On the Zero account, HFM currently publishes a Forex commission of $6 per 100,000 units round turn, equivalent to about $3/lot per side. Gold (XAUUSDb) carries a $10 commission per 100 ounces round turn.
*** The Zero account page is currently inconsistent: the specification table lists a $0 initial deposit, while the FAQ on the same page says $25. Check the requirement shown in myHF when you open the account.
Converting EUR/USD at roughly $10/pip per standard lot, the minimum cost based on published spreads looks like this:
| Account | Minimum spread | Commission | Reference minimum cost/1 lot EUR/USD |
|---|---|---|---|
| InfinityX | 0.5 pip | $0 | about $5 |
| Zero | 0 pip | $6 | about $6 |
| Pro | 0.6 pip | $0 | about $6 |
| Premium | 1.4 pips | $0 | about $14 |
| Cent | 1.4 pips | $0 | about $14 per 100,000 equivalent units |
This is only a calculation from the lowest listed spreads, not the actual cost of a real order. Floating spreads can widen considerably during news releases, thin liquidity or the rollover window.
To benchmark HFM against the wider market, see our roundup of low-spread forex brokers.
HFM Spreads in Detail: Major Pairs, Gold and Indices
HFM spreads are floating, so real values change with liquidity and market volatility. “From 0 pip” or “from 0.6 pip” is only the lowest level that can appear — not a fixed rate for every order.
If you’re not sure how spreads turn into costs, read what is the spread in forex.
Per HFM’s product specifications at the time of checking:
| Product | InfinityX | Zero | Pro | Premium |
|---|---|---|---|---|
| EUR/USD | from ~0.5 pip | from 0 pip | from 0.6 pip | from 1.4 pips |
| GBP/USD | from ~0.6 pip | from 0 pip | from 0.6 pip | from 1.6 pips |
| XAU/USD | from 0.08 | from 0.06 | from 0.16 | from 0.32 |
| USA30 | from 1.6 | from 2.9 | from 2.9 | from 2.9 |
These are the minimum figures HFM publishes, not average in-session spreads.
For XAU/USD, 1 standard lot equals 100 ounces. Using only the lowest levels as an illustration:
- InfinityX: 0.08 × 100 ≈ $8
- Zero: 0.06 × 100 + $10 commission ≈ $16
- Pro: 0.16 × 100 ≈ $16
- Premium: 0.32 × 100 ≈ $32
So don’t stop at the “spreads from 0” headline. Add both the spread and the commission together before comparing HFM trading fees across accounts.
HFM Commission: Which Accounts Pay, and How Much per Lot?
Among the popular accounts, Zero has the clearest HFM commission structure for Forex. HFM currently publishes $6/standard lot round turn for the listed Forex pairs and $10 per 100 ounces of gold on XAUUSDb. Verify the Zero account commission at HFM
Cent, Pro, Premium and InfinityX charge no Forex commission under their base account structure, although certain individual products may still apply other fee mechanisms.
A simple comparison formula:
Total cost = Spread cost + Commission
Example with 1 lot of EUR/USD:
- Zero: 0 pip × $10 + $6 commission = about $6 at the minimum spread.
- Pro: 0.6 pip × $10 + $0 commission = about $6 at the minimum spread.
So Zero is not automatically cheaper than Pro. Its edge only shows when the real spread gap between the two accounts is wide enough to cover the $6/lot commission.
That’s why, when comparing HFM trading fees, you should look at the total cost per round turn rather than the spread or commission in isolation.
HFM Overnight Fees: How Swap Works and How to Check It
HFM overnight fees — swap/rollover — are amounts credited or debited when a position stays open through the server’s rollover time. Swap rates depend on the product, the Buy/Sell direction and market conditions; some accounts or products qualify for HFM’s swap-free policy.
HFM treats a position still open at 00:00 server time as held overnight. Server time currently runs on GMT+3 in summer and GMT+2 in winter. For products with regular swap, HFM applies a triple swap on Wednesdays to account for the weekend rollover.
To check HFM overnight fees precisely on MT4/MT5:
- Open Market Watch.
- Right-click the product you want to check.
- Select Specification.
- Check Swap Long, Swap Short and the swap calculation method.
You can also use HFM’s Swap Calculator, which HFM says is updated with daily rates.
HFM’s Swap-Free Accounts
HFM has extended swap-free eligibility to some non-Islamic clients as well, depending on the account and product. The current list covers many major Forex pairs, XAU/USD and some indices.
Notably, the current specifications for EUR/USD, XAU/USD and USA30 show a 45-day swap-free allowance. After a given free period or condition, a carry charge or other fees may apply under HFM’s policy.
So “swap-free” should not be read as every product being free forever. Swing traders should check the Specification and the terms of each symbol before holding positions for days.
Beyond spreads, commission and swap, HFM trading fees should also be weighed against some non-trading costs.
1. Inactivity Fee
Under HF Markets (SV) Ltd’s 2026 Account Opening Agreement, an account with no financial or trading activity for 6 months may be treated as dormant. The prescribed fees:
- 6 months – 1 year: $5/month
- 1 – 2 years: $10/month
- 2 – 3 years: $20/month
- Over 3 years: the previous year’s monthly rate plus $10 for each additional year
The fee is deducted from the remaining balance until it reaches 0. Policies can differ by the entity managing your account, so check the agreement attached to yours.
2. Deposit Fees
HFM’s deposit page states it charges no deposit fees on the listed methods. For bank wires, intermediary bank conditions and fees may still apply.
3. Withdrawal Fees
HFM currently lists $0 withdrawal fees for the popular methods. However, the sending bank, intermediaries or the receiving bank may charge their own transfer fees.
If your funding currency differs from your account currency (USD/EUR), factor in the exchange-rate margin of your bank or payment provider as well. HFM does not publish one fixed conversion fee that applies universally.
How to Reduce HFM Trading Fees
There are 3 ways to cut HFM trading fees that beat simply hunting for the moment of lowest spread.
1. Pick the Right Account Type
- Beginners or small-capital testing: Cent.
- Want low spreads without tracking a separate commission: Pro.
- Scalpers/day traders who prefer a raw-spread structure: Zero.
- Traders meeting the higher deposit can also consider InfinityX, but evaluate its real spreads and the risks of its high-leverage mechanics.
2. Control Holding Costs
If you don’t intend to hold positions for days, closing before rollover avoids swap on non-exempt symbols. For swing positions, check the swap-free allowance and pay special attention to the triple-swap mechanism.
3. Get Rebates Through an IB
Another way to reduce HFM trading fees is to receive back part of the IB commission generated by your trading volume. This mechanism doesn’t make the spread or commission “disappear” — it refunds part of the cost after qualifying trades.
Backcom.io’s HFM trading fee rebate page currently offers 2 options:
| Link type | Spread | Reference gold rebate |
|---|---|---|
| No Markup | Normal | about $12/lot |
| Markup 1 | SP43 | about $18/lot |
Traders who want the original spread can pick No Markup; those who accept a wider spread in exchange for a bigger refund can consider Markup 1. Rates may change with HFM’s and Backcom.io’s policies over time — the detailed calculation and payout schedule are covered in our HFM rebate article.
Conclusion
HFM trading fees can be competitive if you pick the right account and fully understand spreads, commission and holding costs. Zero suits traders who want raw spreads; Pro is simpler with no commission; Cent fits small-scale starts, while InfinityX is a newer option that deserves further evaluation against its real spreads.
Most importantly, don’t stop at “spreads from” figures. Calculate the total cost per lot, check swap before holding positions and consider cutting fees through a rebate mechanism if it fits your trading.
You can check the current rebate rates at Backcom HFM before choosing a link type and opening an account.
Frequently Asked Questions (FAQ)
Among HFM Account Types, Which Has the Lowest Total Fees?
No single account is always the cheapest in every condition. At the published minimums, InfinityX has competitive spreads and no commission but requires a $500 deposit; Zero has raw spreads plus commission; Pro has no commission with spreads from 0.6 pip. Compare using the real total cost on the same product at the same time.
Can HFM Overnight Fees Be Avoided?
You can limit HFM overnight fees by closing positions intraday or trading accounts/products that qualify as swap-free. However, swap-free has product and time limits; long-held positions may incur a carry charge. Always check the Specification before holding.
Can I Get My HFM Trading Fees Refunded?
Yes. Traders can receive rebates through an IB program if the account qualifies. Backcom.io currently offers No Markup and Markup options with different rebate levels. Choose by weighing the entry spread against the actual refund received — not just the highest rebate number.
