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 account | 1.69 | N/A |
| All-in Cost EUR/USD - Active | 1.69 | N/A |
| Non-wire bank transfer | Yes | No |
| PayPal (Deposit/Withdraw) | Yes | |
| Skrill (Deposit/Withdraw) | Yes | |
| Bank Wire (Deposit/Withdraw) | Yes |
Dive deeper: Best Low Spread Forex Brokers.
OANDA and Earn both support forex trading as CFDs and spot. OANDA offers a far wider range of investments, with 4,172 tradeable symbols and 69 forex pairs, compared with Earn’s 500 symbols and 61 pairs. OANDA also lets clients buy exchange-traded stocks on both U.S. and international exchanges (not CFDs), while Earn does not. Both brokers offer copy trading.
For cryptocurrency, OANDA provides access to both actual (delivered) crypto and crypto CFDs; Earn offers crypto CFDs only. In independent reviews focused on range of investments, OANDA is rated 4 out of 5 stars and ranks 28th out of 63 brokers, while Earn is rated 3.5 out of 5 stars and ranks 46th. If you want broader market access including stocks and the option to own crypto, OANDA is the stronger fit; if you mainly trade forex and CFD-based markets, Earn may cover your basics.
| Feature |
OANDA
|
Earn
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 4172 | 500 |
| Forex Pairs (Total) | 69 | 61 |
| U.S. Stocks (Shares) | Yes | No |
| Global Stocks (Non-U.S. Shares) | Yes | No |
| Copy Trading | Yes | Yes |
| Cryptocurrency (Underlying) | Yes | No |
| Cryptocurrency (CFDs) | 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 on trading platforms and tools, both brokers check key boxes: free paper trading (demo accounts), Windows desktop downloads, web-based platforms, copy trading, and support for MetaTrader 4 and MetaTrader 5. A notable difference is that OANDA also offers its own in-house platform, while Earn does not. Both let you place trades directly from charts.
For quality signals, each broker earns 4 stars for Trading Platforms and Tools, yet OANDA ranks #15 out of 63 brokers on ForexBrokers.com, while Earn ranks #52. In practice, that means OANDA is likely the better pick if you want an in-house platform alongside MetaTrader. If you’re content with industry-standard platforms and essentials like copy trading and a demo account, Earn keeps things straightforward.
| Feature |
OANDA
|
Earn
|
|---|---|---|
| Virtual Trading (Demo) | Yes | Yes |
| Proprietary Desktop Trading Platform | Yes | No |
| Desktop Platform (Windows) | Yes | Yes |
| Web Platform | Yes | Yes |
| Copy Trading | Yes | Yes |
| MetaTrader 4 (MT4) | Yes | Yes |
| MetaTrader 5 (MT5) | Yes | Yes |
| Charting - Indicators / Studies (Total) | 89 | 35 |
| Charting - Trade From Chart | Yes | Yes |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
OANDA and Earn both offer iPhone and Android trading apps with price alerts, trendline drawing, and auto‑saved chart annotations. If you manage watchlists on desktop and mobile, note that neither app syncs watchlist symbols between devices and the web platform.
For chart studies, Earn includes 35 technical indicators versus OANDA’s 30. However, OANDA earns higher marks overall: 5 stars and a #7 ranking for Mobile Trading Apps from ForexBrokers.com, compared with Earn’s 4 stars and #28 ranking out of 63 brokers. Choose OANDA if you want a higher‑rated mobile experience; pick Earn if you value a few extra built‑in indicators.
| Feature |
OANDA
|
Earn
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Price Alerts | Yes | Yes |
| Mobile Watchlists - Syncing | No | No |
| Mobile Charting - Indicators / Studies | 30 | 35 |
| Mobile Charting - Draw Trendlines | Yes | Yes |
| Mobile Charting - Trendlines Autosave | Yes | Yes |
Dive deeper: Best Forex Trading Apps.
OANDA and Earn both deliver daily market commentary, top-tier forex news (from sources like Bloomberg, Reuters, or Dow Jones), and an economic calendar to track key events. Where they differ is in specialty tools: OANDA includes Autochartist for pattern and technical insights and offers a sentiment tool that shows long/short positioning across instruments. Neither broker features Trading Central. OANDA does not include TipRanks or Acuity Trading tools; for Earn, availability of TipRanks and Acuity Trading is not specified.
For research quality, OANDA earns 5 stars and ranks #4 out of 63 brokers on ForexBrokers.com, while Earn holds 3.5 stars and ranks #39. In short, traders who want added tools like Autochartist and sentiment data may prefer OANDA, whereas Earn covers the essentials with news, commentary, and an event calendar.
| Feature |
OANDA
|
Earn
|
|---|---|---|
| Daily Market Commentary (Articles) | Yes | Yes |
| Forex News (Top-Tier Sources) | Yes | Yes |
| Autochartist | Yes | No |
| Trading Central | No | No |
| Client sentiment data | Yes | No |
| TipRanks | No | |
| Acuity Trading | No | |
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
For beginners seeking forex and CFD education, OANDA stands out. It runs monthly client webinars and provides at least 10 beginner-friendly videos that explain trading basics, along with 10+ advanced videos for when you’re ready to go deeper. Earn, by contrast, does not host monthly educational webinars and doesn’t meet the 10‑video mark for either beginner or advanced topics, making its learning path more limited for new traders.
Independent ratings back this up: OANDA earns 5 stars for Education and ranks #19 out of 63 brokers on ForexBrokers.com, while Earn scores 3.5 stars and ranks #63. If you want a clear, video-led curriculum and regular live sessions, OANDA is the stronger choice; if you only need light learning material, Earn may suffice.
| Feature |
OANDA
|
Earn
|
|---|---|---|
| Webinars | Yes | No |
| Videos - Beginner Trading Videos | Yes | No |
| Videos - Advanced Trading Videos | 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
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Earn
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| Trust Score | 93 | 71 |
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In the OANDA vs Earn comparison, OANDA lets you buy actual (delivered) cryptocurrency and trade cryptocurrency CFDs, whereas Earn supports only cryptocurrency CFDs and does not offer delivered crypto purchases.
OANDA vs Earn: OANDA offers deposit and withdrawal options including ACH/SEPA, PayPal, Skrill, and bank wires (Visa/Mastercard not specified), while Earn does not support ACH/SEPA and has no disclosed information on PayPal, Skrill, Visa/Mastercard, or bank wire funding.
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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| Broker Gallery (click to expand) |
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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, FSRA, or SCA 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. Stocks (Shares) | Yes | No | |
| Global Stocks (Non-U.S. Shares) | Yes | No | |
| Copy Trading | Yes | Yes | |
| Cryptocurrency (Underlying) | Yes | No | |
| Cryptocurrency (CFDs) | 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 account | 1.69 | N/A | |
| All-in Cost EUR/USD - Active | 1.69 | N/A | |
| Inactivity Fee | Yes | No | |
| Order execution: Agency | No | No | |
| Order execution: Market Maker | Yes | Yes |
| Funding | OANDA | Earn | |
|---|---|---|---|
| Minimum Deposit | $0 | $100 | |
| PayPal (Deposit/Withdraw) | Yes | ||
| Skrill (Deposit/Withdraw) | Yes | ||
| Bank Wire (Deposit/Withdraw) | Yes | ||
| Non-wire bank transfer | Yes | No |
| Trading Platforms | OANDA | Earn | |
|---|---|---|---|
| Proprietary Desktop Trading Platform | Yes | No | |
| Desktop Platform (Windows) | Yes | Yes | |
| Web Platform | Yes | Yes | |
| Copy Trading | Yes | Yes | |
| MetaTrader 4 (MT4) | Yes | Yes | |
| MetaTrader 5 (MT5) | Yes | Yes | |
| cTrader | No | No |
| Trading Tools | OANDA | Earn | |
|---|---|---|---|
| Virtual Trading (Demo) | Yes | Yes | |
| Price Alerts | Yes | Yes | |
| Charting - Indicators / Studies (Total) | 89 | 35 | |
| 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 Price Alerts | Yes | Yes | |
| Mobile Watchlist [DELETED] | |||
| Mobile Watchlists - Syncing | No | No | |
| Mobile Charting - Indicators / Studies | 30 | 35 | |
| Mobile Charting - Draw Trendlines | Yes | Yes | |
| Mobile Charting - Trendlines Autosave | Yes | Yes | |
| Mobile Research - Economic Calendar | Yes | Yes |
| Research | OANDA | Earn | |
|---|---|---|---|
| Daily Market Commentary (Articles) | Yes | Yes | |
| Forex News (Top-Tier Sources) | Yes | Yes | |
| Autochartist | Yes | No | |
| Trading Central | No | No | |
| TipRanks | No | ||
| Client sentiment data | Yes | No | |
| Economic Calendar | Yes | Yes |
| Education | OANDA | Earn | |
|---|---|---|---|
| Webinars | Yes | No | |
| Videos - Beginner Trading Videos | Yes | No | |
| Videos - Advanced Trading Videos | Yes | No |
| Major Forex Pairs | OANDA | Earn | |
|---|---|---|---|
| GBP/USD [DELETED] | |||
| USD/JPY [DELETED] | |||
| EUR/USD | Yes | Yes | |
| USD/CHF [DELETED] | |||
| USD/CAD [DELETED] | |||
| NZD/USD [DELETED] | |||
| AUD/USD [DELETED] | |||
| Review | OANDA Review |
| Overall | OANDA | Earn | |
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| Trust Score | 93 | 71 | |
| Winner | check_circle | ||
| Review | OANDA Review |
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