Written by ForexBrokers.com
In this head to head comparison of XTB 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.
In comparing XTB and Earn for online brokerage services, both firms have a solid industry presence. XTB, established in 2002, is a publicly traded company, while Earn, founded earlier in 1994, remains privately held. Neither is a bank, yet they hold different levels of regulatory licenses. XTB holds two Tier-1 and two Tier-2 licenses, demonstrating a commitment to maintaining a highly trusted status among regulators. Earn, on the other hand, holds one Tier-1 license and no Tier-2 licenses, reflecting a more cautious approach in its regulatory strategy.
When it comes to trust scores, XTB shines with an impressive rating of 96 from ForexBrokers.com, indicating a highly trusted broker. Earn, with a trust score of 71, is considered to present an average level of risk. This distinction in trust scores may influence discerning traders to lean towards XTB for a more secure trading experience. Ultimately, both brokers offer distinct advantages, with their own unique regulatory backgrounds guiding potential users in their choice.
| Feature |
XTB
|
Earn
|
|---|---|---|
| Year Founded | 2002 | 1994 |
| Publicly Traded (Listed) | Yes | No |
| Bank | No | No |
| Tier-1 Licenses | 2 | 1 |
| Tier-2 Licenses | 2 | 0 |
| Tier-3 Licenses | 0 | 0 |
| Tier-4 Licenses | 2 | 0 |
XTB offers two distinct types of accounts, catering to both typical and professional traders. The Standard account is spread-only, while the Professional account, which is being phased out, was commission-based and reserved for specific professional clients in the U.K. and Europe. The average forex spread for XTB on the EUR/USD is 1 pip, aligning with industry standards but not leading. For retail forex traders, the Standard account, which begins with a minimum deposit of 250 base currency, is generally more cost-effective. XTB also provides active traders with rebates ranging from 5% to 30% on spreads through their Lower Spread Group program. XTB has received a commendable 4.5 out of 5 stars for commissions and fees, ranking it 11th out of 63 brokers on ForexBrokers.com.
In contrast, Earn lacks available data on average spread pricing, which makes a direct comparison challenging in this aspect. However, with a rating of 4 stars, it stands somewhat lower than XTB in terms of commissions and fees. Ranked 45th out of 63 brokers by ForexBrokers.com, Earn does not offer the same competitive positioning as XTB, especially for retail traders who benefit from XTB's active trader discounts.
Overall, both brokers present intriguing options, but XTB's structured rebate program and transparent pricing options provide a compelling choice for those who qualify as active traders. With its higher star rating and superior ranking, XTB appears to be the more favorable option for users keen on optimizing costs related to commissions and fees.
| Feature |
XTB
|
Earn
|
|---|---|---|
| Minimum Deposit | $0 | $100 |
| Average Spread EUR/USD - Standard | 1.00 | N/A |
| All-in Cost EUR/USD - Active | 1.00 | N/A |
| Active Trader or VIP Discounts | No | Yes |
| ACH or SEPA Transfers | No | 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.
When exploring the investment opportunities available at XTB and Earn, you'll find distinct differences in their offerings. XTB provides a vast selection of over 7,184 tradeable symbols, overshadowing Earn's 500 symbols. In terms of forex pairs, XTB allows traders to access 71, compared to Earn's 61. Additionally, XTB offers access to exchange-traded securities on both U.S. and international exchanges, a feature that Earn does not provide. This means that with XTB, investors can purchase shares of major companies like Apple directly, while Earn focuses on more limited options.
Though both XTB and Earn enable trading of forex as CFDs or spot contracts and offer cryptocurrency derivatives, only Earn provides copy trading. However, when evaluating the overall range of investments, XTB boasts a higher five-star rating and ranks 14th among 63 brokers by ForexBrokers.com, while Earn holds a 3.5-star rating and comes in at 45th. This suggests that those seeking broader investment access might lean towards XTB for a more comprehensive experience.
| Feature |
XTB
|
Earn
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 7184 | 500 |
| Forex Pairs (Total) | 71 | 61 |
| U.S. Stock Trading (Non CFD) | Yes | No |
| Int'l Stock Trading (Non CFD) | Yes | No |
| Social Trading / Copy Trading | No | Yes |
| Cryptocurrency (Physical) | No | 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.
When considering online trading platforms, both XTB and Earn provide free virtual demo accounts to simulate trading before going live, making them excellent choices for beginners. XTB shines with its proprietary trading platform, developed in-house, which is available both as a Windows-based desktop download and a web-based platform. Earn, on the other hand, doesn't have its own platform but supports popular third-party software like MetaTrader 4 and MetaTrader 5, ideal for traders accustomed to these platforms. Notably, Earn offers copy trading and ZuluTrade, which might appeal to those looking to follow experienced traders.
When it comes to analytical tools, XTB offers 32 drawing tools compared to Earn's 15, giving traders more options for charting. Both brokers allow trading directly from stock charts for a seamless trading experience. XTB’s platform features 8 columns for watch lists, slightly surpassing Earn’s 7 columns. In terms of ratings, XTB scores 4.5 stars for Trading Platforms and Tools, ranking 9th out of 63 brokers, while Earn is rated 4 stars and ranks 51st. These differences highlight XTB as a more highly ranked and feature-rich trader's platform.
| Feature |
XTB
|
Earn
|
|---|---|---|
| Virtual Trading (Demo) | Yes | Yes |
| Proprietary Platform | Yes | No |
| Desktop Platform (Windows) | Yes | Yes |
| Web Platform | Yes | Yes |
| Social Trading / Copy Trading | No | Yes |
| MetaTrader 4 (MT4) | No | Yes |
| MetaTrader 5 (MT5) | No | Yes |
| DupliTrade | No | No |
| ZuluTrade | No | Yes |
| Charting - Indicators / Studies (Total) | 39 | 35 |
| Charting - Drawing Tools (Total) | 32 | 15 |
| Charting - Trade From Chart | Yes | Yes |
| Watchlists - Total Fields | 8 | 7 |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
Choosing between XTB and Earn for mobile trading can be crucial for investors on the go. Both platforms offer apps for iPhone and Android, providing users with essential tools such as stock and forex price alerts, trendline drawing, and the ability to view multiple time frames. However, neither app supports watchlist symbol syncing with online accounts, which could be a consideration if ease of managing portfolios across devices matters to you. XTB stands out with 39 technical studies available for charting, slightly surpassing Earn's 35 studies, which may offer more comprehensive analytical insights for traders.
Additionally, both apps provide features like real-time watchlists and auto-saving drawings. When it comes to user ratings, XTB receives a 4.5-star rating, compared to Earn's 4 stars, reflecting a higher overall user satisfaction. In a competitive ranking by ForexBrokers.com, XTB is placed at #8 out of 63 brokers for mobile trading apps, while Earn holds the #27 spot. This suggests a stronger reputation and potentially richer user experience with XTB's mobile offerings.
| Feature |
XTB
|
Earn
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Alerts - Basic Fields | Yes | Yes |
| Watchlist Syncing | No | No |
| Mobile Charting - Indicators / Studies | 39 | 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.
XTB and Earn both provide solid resources for traders seeking market insights. Both platforms offer daily market commentary and widely respected forex news from top-tier sources like Bloomberg and Reuters. Additionally, each broker provides an economic calendar that outlines key upcoming news events affecting global markets. However, XTB takes a slight edge by offering a sentiment-based trading tool that shows the ratio of long or short positions across various instruments—a feature that Earn does not provide. Neither XTB nor Earn incorporates specific research tools from companies like Autochartist, Trading Central, TipRanks, or Acuity Trading.
When rated on their research offerings, XTB shines with a 5-star rating and ranks impressively at #7 out of 63 brokers according to ForexBrokers.com. In contrast, Earn offers a more modest experience, reflected in its 3.5-star rating and #38 position in the same category. This demonstrates that while both platforms facilitate informed trading through comprehensive market news and commentary, XTB has a more advanced array of tools for those looking for an edge in sentiment-driven trading.
| Feature |
XTB
|
Earn
|
|---|---|---|
| Daily Market Commentary | Yes | Yes |
| Forex News (Top-Tier Sources) | Yes | Yes |
| Autochartist | No | No |
| Trading Central (Recognia) | No | No |
| Social Sentiment - Currency Pairs | Yes | No |
| TipRanks | No | No |
| Signal Centre (Acuity Trading) | No | No |
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
When it comes to educational resources tailored for beginners, XTB significantly outshines Earn. XTB offers a plethora of materials designed to educate newcomers about forex and CFDs, including over ten different articles, videos, and archived webinars, all focused on these subjects. They conduct monthly online educational webinars and maintain a searchable archive of past sessions, providing ongoing learning opportunities. Furthermore, XTB creates content specifically for beginners with more than ten educational videos tailored to new traders, in addition to a similar selection for those with advanced skills, covering a wide range of trading topics.
In contrast, Earn falls short in comparison to XTB in the education department. It does not meet the minimum requirement of ten educational pieces related to forex or CFDs and does not provide any regular online webinars or an archive of them for future reference. Additionally, Earn lacks a substantial collection of beginner-focused videos to aid new traders in grasping fundamental concepts, and it does not offer advanced-level educational videos. Although Earn boasts a moderate education rating of 3.5 stars, XTB is rated an impressive 5 stars for its educational offerings and ranks #11 among 63 brokers in this category, whereas Earn finds itself at #62.
| Feature |
XTB
|
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) | No | No |
Dive deeper: Best Forex Brokers for Beginners.
After testing 63 of the best forex brokers, our research and account testing finds that XTB is better than Earn. XTB finished with an overall rank of #7, while Earn finished with an overall rank of #50.
As a trusted multi-asset broker, XTB offers outstanding customer service, a wide variety of forex and CFDs, and an excellent overall trading experience. Its xStation 5 trading platform is well-designed and packed with innovative features, and XTB’s offers comprehensive educational content and market research.
| Feature |
XTB
|
Earn
|
|---|---|---|
| Overall Rating |
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| Trust Score | 96 | 71 |
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Both XTB and Earn do not provide the ability to buy actual delivered cryptocurrency, offering only cryptocurrency derivatives for investors.
When comparing online brokers XTB and Earn, both platforms do not support ACH or SEPA transfers for depositing or withdrawing funds; however, XTB provides the additional option of PayPal, unlike Earn, while both brokers support transactions through Skrill, Visa, Mastercard, and bank wires.
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 | XTB | Earn | |
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| Trust Score | 96 | 71 | |
| Winner | check_circle | ||
| Review | XTB Review |
| Broker Screenshots | XTB | Earn | |
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| Regulation | XTB | Earn | |
|---|---|---|---|
| Trust Score | 96 | 71 | |
| Year Founded | 2002 | 1994 | |
| Publicly Traded (Listed) | Yes | No | |
| Bank | No | No | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | Yes | |
| Tier-1 Licenses | 2 | 1 | |
| Tier-2 Licenses | 2 | 0 | |
| Tier-3 Licenses | 0 | 0 | |
| Tier-4 Licenses | 2 | 0 |
| Tier-1 Licenses (Highly Trusted) | XTB | Earn | |
|---|---|---|---|
| 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) | No | No | |
| United Kingdom (U.K.) (FCA Authorised) | Yes | 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) | XTB | Earn | |
|---|---|---|---|
| Kenya (CMA Authorised) | No | No | |
| Israel (ISA Authorised) | No | No | |
| South Africa (FSCA Authorised) | Yes | No | |
| UAE (DFSA/Central Bank Authorised) | Yes | No | |
| India (SEBI Authorised) | No | No | |
| Jordan (JSC Authorised) | No | No |
| Investments | XTB | Earn | |
|---|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes | |
| Tradeable Symbols (Total) | 7184 | 500 | |
| Forex Pairs (Total) | 71 | 61 | |
| U.S. Stock Trading (Non CFD) | Yes | No | |
| Int'l Stock Trading (Non CFD) | Yes | No | |
| Social Trading / Copy Trading | No | Yes | |
| Cryptocurrency (Physical) | No | 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 | XTB | Earn | |
|---|---|---|---|
| Average Spread EUR/USD - Standard | 1.00 | N/A | |
| All-in Cost EUR/USD - Active | 1.00 | N/A | |
| Active Trader or VIP Discounts | No | Yes | |
| Inactivity Fee | Yes | No | |
| Execution: Agency Broker | Yes | No | |
| Execution: Market Maker | Yes | Yes |
| Funding | XTB | 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 | No | No |
| Trading Platforms | XTB | Earn | |
|---|---|---|---|
| Proprietary Platform | Yes | No | |
| Desktop Platform (Windows) | Yes | Yes | |
| Web Platform | Yes | Yes | |
| Social Trading / Copy Trading | No | Yes | |
| MetaTrader 4 (MT4) | No | Yes | |
| MetaTrader 5 (MT5) | No | Yes | |
| cTrader | No | No | |
| DupliTrade | No | No | |
| ZuluTrade | No | Yes |
| Trading Tools | XTB | Earn | |
|---|---|---|---|
| Virtual Trading (Demo) | Yes | Yes | |
| Alerts - Basic Fields | Yes | Yes | |
| Watchlists - Total Fields | 8 | 7 | |
| Charting - Indicators / Studies (Total) | 39 | 35 | |
| Charting - Drawing Tools (Total) | 32 | 15 | |
| Charting - Trade From Chart | Yes | Yes | |
| Charts can be saved | Yes | Yes |
| Mobile Trading | XTB | 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 | 39 | 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 | XTB | Earn | |
|---|---|---|---|
| Daily Market Commentary | Yes | Yes | |
| Forex News (Top-Tier Sources) | Yes | Yes | |
| Autochartist | No | No | |
| Trading Central (Recognia) | No | No | |
| TipRanks | No | No | |
| Social Sentiment - Currency Pairs | Yes | No | |
| Economic Calendar | Yes | Yes |
| Education | XTB | 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) | No | No |
| Major Forex Pairs | XTB | 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 | XTB Review |
| Overall | XTB | Earn | |
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| Trust Score | 96 | 71 | |
| Winner | check_circle | ||
| Review | XTB Review |
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