Written by ForexBrokers.com
In this head to head comparison of Earn vs TopFX, 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.
When comparing the online brokers Earn and TopFX, established in 1994 and 2010 respectively, it's essential to consider their trust and regulatory standings. Neither broker is publicly traded or operates as a bank. In terms of regulatory licenses, both Earn and TopFX hold one Tier-1 license, which indicates a high level of trust according to ForexBrokers.com. However, neither holds any Tier-2 licenses.
Looking at their Trust Score ratings by ForexBrokers.com, Earn comes in at 71, categorizing it as an average-risk broker. TopFX, on the other hand, holds a Trust Score of 67, placing it in the high-risk category. While both brokers share similar license holdings, this difference in scores highlights the nuanced trust perception in their offerings.
| Feature |
Earn
|
TopFX
|
|---|---|---|
| Year Founded | 1994 | 2010 |
| Publicly Traded (Listed) | No | No |
| Bank | No | No |
| Tier-1 Licenses | 1 | 1 |
| Tier-2 Licenses | 0 | 0 |
| Tier-3 Licenses | 0 | 0 |
| Tier-4 Licenses | 0 | 1 |
Earn and TopFX both earn 4 out of 5 stars for commissions and fees, but TopFX ranks higher (#41 of 63) than Earn (#46 of 63) in ForexBrokers.com’s category rankings. The main difference comes down to pricing detail: TopFX publishes clear, account-by-account costs, while Earn does not provide average spread data—making side-by-side cost comparisons harder for shoppers.
Earn’s commissions and fees overview is limited, with no average spread figures available. While its 4-star rating suggests competitive pricing, the lack of published spread data means you’ll likely need to check real-time quotes and confirm any commissions or other trading costs directly on the platform before you trade.
TopFX discloses two straightforward options across MetaTrader and cTrader. The ZERO account is commission-free but carried higher average spreads of 1.03 pips on EUR/USD in July 2024. The RAW account charges 2.75 EUR per side (5.50 EUR per round turn) with an average EUR/USD spread of 0.33 pips; once you factor in a commission equivalent of 0.55 pips per round turn, the all-in cost is about 0.88 pips—roughly in line with the industry average. The minimum deposit varies by payment method. TopFX is rated 4 stars and ranked #41 for commissions and fees.
| Feature |
Earn
|
TopFX
|
|---|---|---|
| Minimum Deposit | $100 | Depends on payment method |
| Average spread (EUR/USD) - Standard account | N/A | 1.03 |
| All-in Cost EUR/USD - Active | N/A | 0.88 |
| Non-wire bank transfer | No | No |
| PayPal (Deposit/Withdraw) | ||
| Skrill (Deposit/Withdraw) | ||
| Bank Wire (Deposit/Withdraw) |
Dive deeper: Best Low Spread Forex Brokers.
Comparing Earn vs TopFX for range of investments: both brokers let you trade forex as either CFDs or spot. TopFX lists more total tradeable symbols (655 vs 500), while Earn offers a slightly larger set of forex pairs (61 vs 60). For digital assets, both brokers support cryptocurrency CFDs but do not provide access to actual, delivered crypto.
Neither Earn nor TopFX offers exchange-traded shares on U.S. or international stock exchanges. Both support copy trading. Each earns a 3.5 out of 5 rating for Range of Investments, with Earn ranked #46 of 63 and TopFX close behind at #47 by ForexBrokers.com. In short, TopFX edges ahead on overall instrument count, while Earn has a minor advantage in forex pairs; otherwise, their product lineups are quite similar.
| Feature |
Earn
|
TopFX
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 500 | 655 |
| Forex Pairs (Total) | 61 | 60 |
| U.S. Stocks (Shares) | No | No |
| Global Stocks (Non-U.S. Shares) | No | No |
| Copy Trading | Yes | Yes |
| Cryptocurrency (Underlying) | No | 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 online brokers Earn and TopFX for trading platforms and tools: both offer free demo (paper) accounts for practice and do not have proprietary, in‑house platforms. Each provides a Windows desktop download and a web-based platform, supports copy trading, and lets you place trades directly from charts. Both brokers offer MetaTrader 4 (MT4), while only Earn also supports MetaTrader 5 (MT5)—a key difference if you prefer MT5’s features.
For Trading Platforms and Tools, both Earn and TopFX hold 4 out of 5 stars. In ForexBrokers.com’s review of 63 brokers, TopFX ranks #46 and Earn ranks #52, giving TopFX a slight edge. Counts for built-in technical indicators and watchlist columns were not specified for either broker. If you want MT5, choose Earn; if MT4 and copy trading meet your needs, both brokers provide similar options across Windows and web trading.
| Feature |
Earn
|
TopFX
|
|---|---|---|
| Virtual Trading (Demo) | Yes | Yes |
| Proprietary Desktop Trading Platform | No | No |
| Desktop Platform (Windows) | Yes | Yes |
| Web Platform | Yes | Yes |
| Copy Trading | Yes | Yes |
| MetaTrader 4 (MT4) | Yes | Yes |
| MetaTrader 5 (MT5) | Yes | No |
| Charting - Indicators / Studies (Total) | 35 | 30 |
| Charting - Trade From Chart | Yes | Yes |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
Comparing Earn vs TopFX for mobile trading apps: both brokers offer iPhone and Android apps with price alerts for forex or stocks. Each app lets you draw trendlines on charts, and drawings auto-save so your annotations remain in place. One notable omission for both is watchlist symbol syncing—lists you create on mobile won’t sync with your online account.
Charting depth tilts toward Earn, which includes 35 built-in technical studies (indicators) versus 30 at TopFX. Even though both apps carry a 4-star rating, Earn ranks higher in ForexBrokers.com’s Mobile Trading Apps category—28th out of 63 brokers compared with 52nd for TopFX. If indicator variety and industry standing matter to you, Earn has the edge, while TopFX still covers the core features traders need on the go.
| Feature |
Earn
|
TopFX
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Price Alerts | Yes | Yes |
| Mobile Watchlists - Syncing | No | No |
| Mobile Charting - Indicators / Studies | 35 | 30 |
| Mobile Charting - Draw Trendlines | Yes | Yes |
| Mobile Charting - Trendlines Autosave | Yes | Yes |
Dive deeper: Best Forex Trading Apps.
Comparing market research, Earn delivers daily market commentary while TopFX does not. Both brokers stream forex news from top-tier sources such as Bloomberg, Reuters, or Dow Jones, and each provides an economic calendar covering global events. According to ForexBrokers.com, Earn holds a 3.5-star research rating and ranks 39th out of 63 brokers, versus TopFX at 3 stars and a #61 ranking—pointing to stronger overall coverage from Earn.
When it comes to tools, TopFX offers Autochartist, Trading Central, and a sentiment tool that displays long/short positioning—features that Earn does not provide. Details about TipRanks or Acuity Trading integrations were not specified for either broker. Choose Earn if you want ongoing commentary and a higher research score; pick TopFX if you prioritize third-party technical analysis and sentiment data.
| Feature |
Earn
|
TopFX
|
|---|---|---|
| Daily Market Commentary (Articles) | Yes | No |
| Forex News (Top-Tier Sources) | Yes | Yes |
| Autochartist | No | Yes |
| Trading Central | No | Yes |
| Client sentiment data | No | Yes |
| TipRanks | ||
| Acuity Trading | ||
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
For beginners weighing Earn against TopFX for forex and CFD education, both brokers appear light on structured learning. We could not confirm that either meets the benchmark of at least 10 dedicated forex/CFD pieces. Neither runs monthly educational webinars, and neither offers at least 10 beginner videos or 10 advanced trading videos—so new traders may need to supplement with outside resources.
Ratings and rankings paint a mixed picture: Earn holds a 3.5/5 Education rating versus TopFX at 3/5, yet in ForexBrokers.com’s 63-broker Education lineup, Earn ranks #63 and TopFX ranks #62. The differences are small, and both are better suited to traders who already have a learning plan. If education is a priority, review each broker’s current library and consider options known for fuller forex education, regular webinars, and structured beginner courses.
| Feature |
Earn
|
TopFX
|
|---|---|---|
| Webinars | No | No |
| Videos - Beginner Trading Videos | No | No |
| Videos - Advanced Trading Videos | No | No |
Dive deeper: Best Forex Brokers for Beginners.
After testing 63 of the best forex brokers, our research and account testing finds that Earn is better than TopFX. Earn finished with an overall rank of #50, while TopFX finished with an overall rank of #62.
Earn was an early pioneer of mobile apps for finance, then became a forex and CFD broker, now offering the MetaTrader platform. With just one regulatory license, Earn has a lower Trust Score than more established forex brokers.
| Feature |
Earn
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TopFX
|
|---|---|---|
| Overall Rating |
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| Trust Score | 71 | 67 |
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Comparing online brokers Earn and TopFX: neither lets you buy actual (delivered) cryptocurrencies, but both allow you to trade cryptocurrency CFDs.
In the Earn vs TopFX comparison of deposit and withdrawal methods, neither broker supports ACH or SEPA transfers, and no verified information was provided about PayPal, Skrill, Visa/Mastercard, or bank wire options.
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 | Earn | TopFX | |
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| Trust Score | 71 | 67 | |
| Winner | check_circle | ||
| Review | TopFX Review |
| Broker Screenshots | Earn | TopFX | |
|---|---|---|---|
| Broker Gallery (click to expand) |
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| Regulation | Earn | TopFX | |
|---|---|---|---|
| Trust Score | 71 | 67 | |
| Year Founded | 1994 | 2010 | |
| Publicly Traded (Listed) | No | No | |
| Bank | No | No | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | Yes | |
| Tier-1 Licenses | 1 | 1 | |
| Tier-2 Licenses | 0 | 0 | |
| Tier-3 Licenses | 0 | 0 | |
| Tier-4 Licenses | 0 | 1 |
| Tier-1 Licenses (Highly Trusted) | Earn | TopFX | |
|---|---|---|---|
| Australia (ASIC Authorised) | No | No | |
| Canada (CIRO Authorised) | No | No | |
| Hong Kong (SFC Authorised) | No | No | |
| Japan (SFC Authorised) | No | No | |
| Singapore (MAS Authorised) | No | No | |
| Switzerland (FINMA Authorised) | |||
| United Kingdom (U.K.) (FCA Authorised) | No | No | |
| USA (CFTC Authorized) | No | No | |
| New Zealand (FMA Authorised) | No | No | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | Yes |
| Tier-2 Licenses (Trusted) | Earn | TopFX | |
|---|---|---|---|
| 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 | Earn | TopFX | |
|---|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes | |
| Tradeable Symbols (Total) | 500 | 655 | |
| Forex Pairs (Total) | 61 | 60 | |
| U.S. Stocks (Shares) | No | No | |
| Global Stocks (Non-U.S. Shares) | No | No | |
| Copy Trading | Yes | Yes | |
| Cryptocurrency (Underlying) | No | 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 | Earn | TopFX | |
|---|---|---|---|
| Average spread (EUR/USD) - Standard account | N/A | 1.03 | |
| All-in Cost EUR/USD - Active | N/A | 0.88 | |
| Inactivity Fee | No | No | |
| Order execution: Agency | No | No | |
| Order execution: Market Maker | Yes | Yes |
| Funding | Earn | TopFX | |
|---|---|---|---|
| Minimum Deposit | $100 | Depends on payment method | |
| PayPal (Deposit/Withdraw) | |||
| Skrill (Deposit/Withdraw) | |||
| Bank Wire (Deposit/Withdraw) | |||
| Non-wire bank transfer | No | No |
| Trading Platforms | Earn | TopFX | |
|---|---|---|---|
| Proprietary Desktop Trading Platform | No | No | |
| Desktop Platform (Windows) | Yes | Yes | |
| Web Platform | Yes | Yes | |
| Copy Trading | Yes | Yes | |
| MetaTrader 4 (MT4) | Yes | Yes | |
| MetaTrader 5 (MT5) | Yes | No | |
| cTrader | No | Yes |
| Trading Tools | Earn | TopFX | |
|---|---|---|---|
| Virtual Trading (Demo) | Yes | Yes | |
| Price Alerts | Yes | Yes | |
| Charting - Indicators / Studies (Total) | 35 | 30 | |
| Charting - Trade From Chart | Yes | Yes | |
| Charts can be saved | Yes | Yes |
| Mobile Trading | Earn | TopFX | |
|---|---|---|---|
| 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 | 35 | 30 | |
| Mobile Charting - Draw Trendlines | Yes | Yes | |
| Mobile Charting - Trendlines Autosave | Yes | Yes | |
| Mobile Research - Economic Calendar | Yes | Yes |
| Research | Earn | TopFX | |
|---|---|---|---|
| Daily Market Commentary (Articles) | Yes | No | |
| Forex News (Top-Tier Sources) | Yes | Yes | |
| Autochartist | No | Yes | |
| Trading Central | No | Yes | |
| TipRanks | |||
| Client sentiment data | No | Yes | |
| Economic Calendar | Yes | Yes |
| Education | Earn | TopFX | |
|---|---|---|---|
| Webinars | No | No | |
| Videos - Beginner Trading Videos | No | No | |
| Videos - Advanced Trading Videos | No | No |
| Major Forex Pairs | Earn | TopFX | |
|---|---|---|---|
| GBP/USD [DELETED] | |||
| USD/JPY [DELETED] | |||
| EUR/USD | Yes | Yes | |
| USD/CHF [DELETED] | |||
| USD/CAD [DELETED] | |||
| NZD/USD [DELETED] | |||
| AUD/USD [DELETED] | |||
| Review | TopFX Review |
| Overall | Earn | TopFX | |
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| Trust Score | 71 | 67 | |
| Winner | check_circle | ||
| Review | TopFX Review |
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