XTB
XM
Our Rating
46
55
76% of retail investor accounts lose money when trading CFDs with this provider
73.57% of retail investor accounts lose money when trading CFDs with this provider.

Regulations and Licenses

Feature
XTB
XM
ASIC (Australia)
FCA (UK)
CYSEC (Cyprus)
DFSA (Dubai)
BaFin (Germany)
IFSC (Belize)

Brokerage

Feature
XTB
XM
EUR/USD Avg. Raw Spread
0.9
0.10
GBP/USD Avg. Raw Spread
0.14
0.20
AUD/USD Avg. Raw Spread
0.13
0.40
EUR/USD Standard Spread
0.9
1.6
EUR/USD Fixed Spreads
-
-
GBP/USD Avg. Standard Spread
1.4
1.9
AUD/USD Avg. Standard Spread
1.3
1.6
Commissions (USD Base)
-
$3.50
Minimum Deposit
$250
$5-$100
Swap Free Account
No Inactivity Fees
Funding Methods
5+
13+
No Funding Fees

Markets and Instruments

Feature
XTB
XM
Currency Pairs
49+
57+
Cryptocurrency CFDs*
16+
-
Index CFDs
42+
18+ (Cash)
12+ (Futures)
Share CFDs
1750+
1,144+
Commodities CFD
22+
15+
Stockbroking
-
-
Retail Max Leverage (Australia)
-
Major Pairs 30:1
Minor Pairs 20:1
Retail Max. Leverage (United Kingdom)
Major Pairs 30:1
Minor Pairs 20:1
Major Pairs 30:1
Minor Pairs 20:1
Pro. Max. Leverage (United Kingdom)
500:1
-
Retail Max. Leverage (Europe)
Major Pairs 30:1
Minor Pairs 20:1
Major Pairs 30:1
Minor Pairs 20:1
Pro. Max. Leverage (Europe)
500:1
-
Retail Max. Leverage (UAE)
Major Pairs 30:1
Minor Pairs 20:1
-
Pro. Max. Leverage (UAE)
500:1
-

*Cryptocurrency CFDs are not available to retail traders in the UK due to FCA regulations
*CFD trading is not available in the USA due to NFA and CFTC regulations, American traders spot trade in place of CFDs.

Trading Platforms + Tools

Feature
XTB
XM
MetaTrader 4 (MT4)
MetaTrader 5 (MT5)
cTrader
TradingView
Proprietary Platform
Automated Trading
Social + Copy Trading

Allowed but not supported
Standard Stop Loss
Guaranteed Stop Loss
Demo Account

Overall

XTB
XM
Our Rating
460
550
 

How Do XM Vs XTB Compare?

Our full comparison covers the 10 most important trading factors, but here are five noticeable differences between XTB and XM:

  • XTB offers a wider range of trading instruments than XM.
  • XM provides a more diverse selection of account types compared to XTB.
  • XTB has more regulators overseeing its operations, giving it a slight edge in regulatory oversight.
  • XM has lower minimum deposit requirements, with options starting from $5.
  • XTB charges an inactivity fee of $10 per month after 12 months, while XM charges $5 per month after 90 days.