Written by ForexBrokers.com
In this head to head comparison of OANDA vs Earn, we will compare the trading platforms, mobile apps, range of investments, costs, market research, and more. Let's dive in.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 51% and 89% of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
OANDA, founded in 1996, and Earn, in operation since 1994, are both respected online brokers that are not publicly traded or banks. When considering regulatory credentials, OANDA stands out with seven Tier-1 licenses, indicating a high level of trust and security. In contrast, Earn holds just one Tier-1 license. This difference reflects their respective Trust Scores on ForexBrokers.com, where OANDA's score of 93 categorizes it as highly trusted, while Earn's score of 71 places it in the average-risk category.
For investors prioritizing safety and regulatory reliability, OANDA's seven Tier-1 licenses are a strong testament to its secure standing in the financial market. Earn, though slightly riskier with only a single Tier-1 license, still provides a respectable level of confidence. Both brokers, however, do not hold any Tier-2 licenses, which would offer an additional layer of security as considered by ForexBrokers.com. Ultimately, OANDA's higher trust score may appeal more to those looking for credibility and stability in their trading partner.
| Feature |
OANDA
|
Earn
|
|---|---|---|
| Year Founded | 1996 | 1994 |
| Publicly Traded (Listed) | No | No |
| Bank | No | No |
| Tier-1 Licenses | 7 | 1 |
| Tier-2 Licenses | 0 | 0 |
| Tier-3 Licenses | 0 | 0 |
| Tier-4 Licenses | 1 | 0 |
OANDA and Earn each hold a 4 out of 5 stars rating for commissions and fees, but OANDA ranks higher at #35 of 63 brokers versus Earn at #46 of 63. OANDA’s costs tend to be on the higher side compared with the cheapest forex brokers, yet it offers automated order execution and very flexible position sizes. Because Earn does not publish average spread data, it’s harder to compare its day-to-day trading costs directly against OANDA.
With OANDA’s default (commission-free) pricing, spreads are similar to peers like FOREX.com and FxPro; its average non-core EUR/USD spread was 1.61 pips in July 2024. The optional Core Pricing plan reduces the spread but adds a commission of $5 per side per $100,000 traded (about $10 per round-turn lot) and requires a $10,000 minimum deposit. As an example, a 0.4‑pip core spread plus the commission equivalent of about 1.0 pip yields an estimated all-in cost near 1.4 pips—slightly lower than the 1.6‑pip default.
OANDA also allows tiny trade sizes—down to 1 unit (0.001 micro lot)—and offers an Elite Trader program in select regions with five rebate tiers paying $5 to $17 per million for clients who trade 10 million or more, along with potential TradingView subscription reimbursements. OANDA publishes trailing average spreads to aid transparency, though it does not provide fixed-period averages, which can limit like-for-like comparisons. Since Earn’s average spread data is not available, traders may weigh OANDA’s known pricing and rebates against the information available from Earn when deciding which broker better fits their budget.
| Feature |
OANDA
|
Earn
|
|---|---|---|
| Minimum Deposit | $0 | $100 |
| Average Spread EUR/USD - Standard | 1.69 | N/A |
| All-in Cost EUR/USD - Active | 1.69 | N/A |
| Active Trader or VIP Discounts | Yes | Yes |
| ACH or SEPA Transfers | Yes | No |
| PayPal (Deposit/Withdraw) | Yes | No |
| Skrill (Deposit/Withdraw) | Yes | Yes |
| Visa/Mastercard (Credit/Debit) | Yes | Yes |
| Bank Wire (Deposit/Withdraw) | Yes | Yes |
Dive deeper: Best Low Spread Forex Brokers.
Comparing the range of investments at online brokers OANDA and Earn, both support forex trading via CFDs or spot contracts and both offer copy trading. OANDA stands out for sheer variety, with 4,172 tradeable symbols and 69 currency pairs, versus Earn’s 500 symbols and 61 pairs. OANDA also lets clients buy exchange-traded securities on U.S. and international exchanges (for example, Apple on NASDAQ and Vodafone in London), while Earn does not provide access to real shares outside of CFDs.
Crypto access further separates the two: OANDA offers both actual, delivered cryptocurrencies and crypto derivatives, whereas Earn offers crypto derivatives only. Reflecting this broader product lineup, OANDA is rated 4 stars for Range of Investments and ranks 28th out of 63 brokers on ForexBrokers.com; Earn is rated 3.5 stars and ranks 46th. If you want more markets, real equities, and the option to own crypto directly, OANDA is the stronger choice; if your focus is forex with some derivative exposure, Earn can fit the bill.
| Feature |
OANDA
|
Earn
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 4172 | 500 |
| Forex Pairs (Total) | 69 | 61 |
| U.S. Stock Trading (Non CFD) | Yes | No |
| Int'l Stock Trading (Non CFD) | Yes | No |
| Social Trading / Copy Trading | Yes | Yes |
| Cryptocurrency (Physical) | Yes | No |
| Cryptocurrency (Derivative) | Yes | Yes |
| Disclaimers | Note: Crypto CFDs are not available to retail traders from any broker's U.K. entity, nor to U.K. residents (except to Professional clients). | Note: Crypto CFDs are not available to retail traders from any broker's U.K. entity, nor to U.K. residents (except to Professional clients). |
Dive deeper: Best Copy Trading Platforms.
Comparing OANDA vs Earn for trading platforms and tools: both brokers offer free demo (paper) trading, Windows desktop software, and web-based platforms. Each supports copy trading plus MetaTrader 4 (MT4) and MetaTrader 5 (MT5). A key difference is that OANDA also provides its own in-house platform, while Earn does not. For social trading add‑ons, Earn integrates ZuluTrade, whereas OANDA does not; neither broker offers DupliTrade.
For charting, OANDA supplies 74 drawing tools and chart‑based trading; Earn also lets you trade from charts but lists 15 drawing tools. Watchlists include 6 columns on OANDA and 7 on Earn. Both are rated 4 out of 5 for Trading Platforms and Tools, yet ForexBrokers.com ranks OANDA higher (#15 of 63) than Earn (#52 of 63). In short, OANDA stands out for its in‑house platform and deeper charting, while Earn may appeal if you want ZuluTrade and a slightly more detailed watchlist.
| Feature |
OANDA
|
Earn
|
|---|---|---|
| Virtual Trading (Demo) | Yes | Yes |
| Proprietary Platform | Yes | No |
| Desktop Platform (Windows) | Yes | Yes |
| Web Platform | Yes | Yes |
| Social Trading / Copy Trading | Yes | Yes |
| MetaTrader 4 (MT4) | Yes | Yes |
| MetaTrader 5 (MT5) | Yes | Yes |
| DupliTrade | No | No |
| ZuluTrade | No | Yes |
| Charting - Indicators / Studies (Total) | 89 | 35 |
| Charting - Drawing Tools (Total) | 74 | 15 |
| Charting - Trade From Chart | Yes | Yes |
| Watchlists - Total Fields | 6 | 7 |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
OANDA and Earn both offer mobile trading apps for iPhone and Android. Each supports real-time watchlists and price alerts, lets you draw trendlines, switch among multiple time frames, and auto-saves chart annotations. One limitation shared by both: watchlist symbols in the mobile app do not sync with the online account.
For charting, OANDA includes 30 technical studies, while Earn offers 35. Even with fewer indicators, OANDA holds the edge in evaluations, earning 5 stars and a #7 rank out of 63 brokers for Mobile Trading Apps on ForexBrokers.com. Earn is rated 4 stars and ranks #28. Choose Earn if you want a few more indicators; pick OANDA if overall app quality and third-party rankings are your priority.
| Feature |
OANDA
|
Earn
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Alerts - Basic Fields | Yes | Yes |
| Watchlist Syncing | No | No |
| Mobile Charting - Indicators / Studies | 30 | 35 |
| Mobile Charting - Draw Trendlines | Yes | Yes |
| Mobile Charting - Multiple Time Frames | Yes | Yes |
| Mobile Charting - Drawings Autosave | Yes | Yes |
| Mobile Watchlist | Yes | Yes |
Dive deeper: Best Forex Trading Apps.
OANDA and Earn both deliver daily market commentary, forex news from top-tier sources like Bloomberg, Reuters, or Dow Jones, and an economic calendar for global events. OANDA stands out with Autochartist-powered analysis tools and a sentiment indicator that shows the ratio of long vs. short positions across markets. Neither broker offers Trading Central. OANDA does not include TipRanks or Acuity Trading; Earn’s support for TipRanks or Acuity Trading is not specified.
For research, ForexBrokers.com rates OANDA at 5 stars (ranked #5 of 63) and Earn at 3.5 stars (ranked #39). Put simply, OANDA is stronger for traders who want more in-platform analysis and sentiment data, while Earn covers the essentials with news, commentary, and an economic calendar.
| Feature |
OANDA
|
Earn
|
|---|---|---|
| Daily Market Commentary | Yes | Yes |
| Forex News (Top-Tier Sources) | Yes | Yes |
| Autochartist | Yes | No |
| Trading Central (Recognia) | No | No |
| Social Sentiment - Currency Pairs | Yes | No |
| TipRanks | No | |
| Signal Centre (Acuity Trading) | No | |
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
Comparing OANDA and Earn for beginner trading education, OANDA clearly offers more for new forex and CFD traders. OANDA provides a full library of forex/CFD education with 10+ articles and videos, runs monthly client webinars, and keeps a searchable archive of past sessions. It also has at least 10 beginner videos and 10 advanced videos, plus an investor dictionary with 50+ terms—useful for learning key concepts fast. Earn, by contrast, does not meet the 10-piece minimum for forex/CFD education and does not offer monthly webinars, a searchable webinar archive, 10+ beginner or advanced videos, or a large investor dictionary.
Results reflect in third-party evaluations: OANDA earns 5 stars for Education and ranks #19 out of 63 brokers at ForexBrokers.com, while Earn scores 3.5 stars and ranks #63. For beginners seeking structured lessons, live training, and an easy-to-browse video library, OANDA is the stronger choice.
| Feature |
OANDA
|
Earn
|
|---|---|---|
| Education (Forex or CFDs) | Yes | No |
| Client Webinars | Yes | No |
| Client Webinars (Archived) | Yes | No |
| Videos - Beginner Trading Videos | Yes | No |
| Videos - Advanced Trading Videos | Yes | No |
| Investor Dictionary (Glossary) | Yes | No |
Dive deeper: Best Forex Brokers for Beginners.
After testing 63 of the best forex brokers, our research and account testing finds that OANDA is better than Earn. OANDA finished with an overall rank of #12, while Earn finished with an overall rank of #50.
A trusted global brand, OANDA stands out for its reputation and quality market research. Its regulatory track record is strong, and its support for third-party features bolsters its overall offering.
| Feature |
OANDA
|
Earn
|
|---|---|---|
| Overall Rating |
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| Trust Score | 93 | 71 |
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While OANDA provides the capability to purchase both actual delivered cryptocurrency and cryptocurrency derivatives, Earn only allows for the trading of cryptocurrency derivatives, not the actual delivered cryptocurrency.
When comparing online brokers, OANDA stands out by offering a variety of deposit and withdrawal options including ACH or SEPA transfers and PayPal, which are not available with Earn, while both brokers provide facilities for Skrill, Visa or Mastercard, and bank wire transactions.
Please note:
We review each broker’s overall global offering – a “Yes” checkmark in our Compare Tool does not guarantee the availability of any specific features in your country of residence. To verify the availability of any features within your country of residence, please contact the broker directly.
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0 of 5| Overall Rating | OANDA | Earn | |
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| Trust Score | 93 | 71 | |
| Winner | check_circle | ||
| Review | OANDA Review |
| Broker Screenshots | OANDA | Earn | |
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| Regulation | OANDA | Earn | |
|---|---|---|---|
| Trust Score | 93 | 71 | |
| Year Founded | 1996 | 1994 | |
| Publicly Traded (Listed) | No | No | |
| Bank | No | No | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | Yes | |
| Tier-1 Licenses | 7 | 1 | |
| Tier-2 Licenses | 0 | 0 | |
| Tier-3 Licenses | 0 | 0 | |
| Tier-4 Licenses | 1 | 0 |
| Tier-1 Licenses (Highly Trusted) | OANDA | Earn | |
|---|---|---|---|
| Australia (ASIC Authorised) | Yes | No | |
| Canada (CIRO Authorised) | Yes | No | |
| Hong Kong (SFC Authorised) | No | No | |
| Japan (SFC Authorised) | Yes | No | |
| Singapore (MAS Authorised) | Yes | No | |
| Switzerland (FINMA Authorised) | |||
| United Kingdom (U.K.) (FCA Authorised) | Yes | No | |
| USA (CFTC Authorized) | Yes | No | |
| New Zealand (FMA Authorised) | No | No | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | Yes |
| Tier-2 Licenses (Trusted) | OANDA | Earn | |
|---|---|---|---|
| Kenya (CMA Authorised) | |||
| Israel (ISA Authorised) | No | No | |
| South Africa (FSCA Authorised) | No | No | |
| UAE (DFSA/Central Bank Authorised) | No | No | |
| India (SEBI Authorised) | No | No | |
| Jordan (JSC Authorised) |
| Investments | OANDA | Earn | |
|---|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes | |
| Tradeable Symbols (Total) | 4172 | 500 | |
| Forex Pairs (Total) | 69 | 61 | |
| U.S. Stock Trading (Non CFD) | Yes | No | |
| Int'l Stock Trading (Non CFD) | Yes | No | |
| Social Trading / Copy Trading | Yes | Yes | |
| Cryptocurrency (Physical) | Yes | No | |
| Cryptocurrency (Derivative) | Yes | Yes | |
| Disclaimers | Note: Crypto CFDs are not available to retail traders from any broker's U.K. entity, nor to U.K. residents (except to Professional clients). | Note: Crypto CFDs are not available to retail traders from any broker's U.K. entity, nor to U.K. residents (except to Professional clients). |
| Cost | OANDA | Earn | |
|---|---|---|---|
| Average Spread EUR/USD - Standard | 1.69 | N/A | |
| All-in Cost EUR/USD - Active | 1.69 | N/A | |
| Active Trader or VIP Discounts | Yes | Yes | |
| Inactivity Fee | Yes | No | |
| Execution: Agency Broker | No | No | |
| Execution: Market Maker | Yes | Yes |
| Funding | OANDA | Earn | |
|---|---|---|---|
| Minimum Deposit | $0 | $100 | |
| PayPal (Deposit/Withdraw) | Yes | No | |
| Skrill (Deposit/Withdraw) | Yes | Yes | |
| Visa/Mastercard (Credit/Debit) | Yes | Yes | |
| Bank Wire (Deposit/Withdraw) | Yes | Yes | |
| ACH or SEPA Transfers | Yes | No |
| Trading Platforms | OANDA | Earn | |
|---|---|---|---|
| Proprietary Platform | Yes | No | |
| Desktop Platform (Windows) | Yes | Yes | |
| Web Platform | Yes | Yes | |
| Social Trading / Copy Trading | Yes | Yes | |
| MetaTrader 4 (MT4) | Yes | Yes | |
| MetaTrader 5 (MT5) | Yes | Yes | |
| cTrader | No | No | |
| DupliTrade | No | No | |
| ZuluTrade | No | Yes |
| Trading Tools | OANDA | Earn | |
|---|---|---|---|
| Virtual Trading (Demo) | Yes | Yes | |
| Alerts - Basic Fields | Yes | Yes | |
| Watchlists - Total Fields | 6 | 7 | |
| Charting - Indicators / Studies (Total) | 89 | 35 | |
| Charting - Drawing Tools (Total) | 74 | 15 | |
| Charting - Trade From Chart | Yes | Yes | |
| Charts can be saved | Yes | Yes |
| Mobile Trading | OANDA | Earn | |
|---|---|---|---|
| Android App | Yes | Yes | |
| Apple iOS App | Yes | Yes | |
| Mobile Alerts - Basic Fields | Yes | Yes | |
| Mobile Watchlist | Yes | Yes | |
| Watchlist Syncing | No | No | |
| Mobile Charting - Indicators / Studies | 30 | 35 | |
| Mobile Charting - Draw Trendlines | Yes | Yes | |
| Mobile Charting - Multiple Time Frames | Yes | Yes | |
| Mobile Charting - Drawings Autosave | Yes | Yes | |
| Mobile Economic Calendar | Yes | Yes |
| Research | OANDA | Earn | |
|---|---|---|---|
| Daily Market Commentary | Yes | Yes | |
| Forex News (Top-Tier Sources) | Yes | Yes | |
| Autochartist | Yes | No | |
| Trading Central (Recognia) | No | No | |
| TipRanks | No | ||
| Social Sentiment - Currency Pairs | Yes | No | |
| Economic Calendar | Yes | Yes |
| Education | OANDA | Earn | |
|---|---|---|---|
| Education (Forex or CFDs) | Yes | No | |
| Client Webinars | Yes | No | |
| Client Webinars (Archived) | Yes | No | |
| Videos - Beginner Trading Videos | Yes | No | |
| Videos - Advanced Trading Videos | Yes | No | |
| Investor Dictionary (Glossary) | Yes | No |
| Major Forex Pairs | OANDA | Earn | |
|---|---|---|---|
| GBP/USD | Yes | Yes | |
| USD/JPY | Yes | Yes | |
| EUR/USD | Yes | Yes | |
| USD/CHF | Yes | Yes | |
| USD/CAD | Yes | Yes | |
| NZD/USD | Yes | Yes | |
| AUD/USD | Yes | Yes | |
| Review | OANDA Review |
| Overall | OANDA | Earn | |
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| Trust Score | 93 | 71 | |
| Winner | check_circle | ||
| Review | OANDA Review |
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