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 | 1 | 0 |
| Tier-4 Licenses | 2 | 0 |
XTB’s commissions and fees are straightforward. It offers a spread‑only Standard account and a commission‑based Professional account that’s limited to elective professional clients in the U.K. and EU and is being phased out. Using Q4 2023 data, XTB’s average EUR/USD spread was 1 pip, which is around the industry average. Minimum deposits start at 250 in your base currency. For smaller trade sizes, the Standard account generally works out cheaper, while pricing converges at higher volumes. XTB also runs the Lower Spread Group for active traders, rebating 5% to 30% of the spread once you hit monthly volume tiers from 20 up to 1000 lots.
Earn does not publish average spread data, so typical trading costs are harder to gauge. Without that disclosure, it’s not easy to compare instrument‑by‑instrument pricing or estimate what you might pay under different trading conditions.
Bottom line on ratings and rankings for commissions and fees: XTB is rated 4.5/5 stars and ranks #12 out of 63 brokers by ForexBrokers.com, helped by clear spread data and an active‑trader rebate program. Earn is rated 4/5 stars and ranks #46 out of 63, with the lack of published spread figures limiting direct cost comparisons.
| 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.
Comparing XTB vs Earn for range of investments: both offer forex trading (CFD or spot). XTB lists 7,184 tradeable symbols and 71 currency pairs, while Earn offers 500 symbols and 61 pairs. Each broker supports cryptocurrency trading via derivatives, but neither lets you buy and hold actual crypto.
XTB stands out for stock market access, allowing clients to buy exchange-traded securities on both U.S. and international exchanges (for example, Apple on NASDAQ or Vodafone in London). Earn does not offer exchange-traded stocks, but it does provide copy trading, which XTB lacks. Reflecting these differences, ForexBrokers.com rates XTB 5 stars and ranks it #15 of 63 for Range of Investments, while Earn scores 3.5 stars and ranks #46.
| 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.
Comparing XTB vs. Earn for trading platforms and tools: both brokers provide free demo (paper) accounts, web and Windows desktop platforms, and the ability to place trades right from charts. XTB stands out with its in-house platform and slightly more flexible watchlists (8 columns vs. 7). It also scores higher for platforms and tools at ForexBrokers.com: 4.5 stars and ranked 9th of 63, versus Earn’s 4 stars and 52nd.
Where Earn pulls ahead is third-party platform choice and social features. Earn supports MetaTrader 4 (MT4), MetaTrader 5 (MT5), copy trading, and ZuluTrade. XTB does not offer MT4, MT5, copy trading, or ZuluTrade. Both brokers offer a browser platform and a downloadable desktop app for Windows, along with chart-based trading, so choosing between them comes down to whether you prefer XTB’s proprietary experience or Earn’s MetaTrader and copy-trading ecosystem.
| Feature |
XTB
|
Earn
|
|---|---|---|
| Virtual Trading (Demo) | Yes | Yes |
| Proprietary Desktop Trading 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 [DELETED] | ||
| ZuluTrade | No | Yes |
| Charting - Indicators / Studies (Total) | 39 | 35 |
| Charting - Drawing Tools (Total) [DELETED] | ||
| Charting - Trade From Chart | Yes | Yes |
| Watchlists - Total Fields | 8 | 7 |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
Comparing XTB vs Earn for mobile trading, both brokers check the key boxes: each has iPhone and Android apps, price alerts, and watchlists with real-time quotes. Their charting tools cover the essentials too, with trendline drawing, multiple time frames (daily, weekly, intraday), and auto-saving for chart annotations. One limitation to note for both: watchlist symbols don’t sync between the mobile app and the online account.
Where they differ is chart depth and overall ratings. XTB offers 39 technical studies in its mobile app versus 35 for Earn. According to ForexBrokers.com, XTB holds a 4.5-star rating and ranks #8 out of 63 brokers for Mobile Trading Apps, while Earn is rated 4 stars and ranks #28. If you want more built-in indicators and a higher-rated app experience, XTB has the edge; if you just need the core features on the go, Earn can still fit the bill.
| 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 stands out for market research with a 5-star rating and a #7 ranking out of 63 brokers at ForexBrokers.com, while Earn scores 3.5 stars and ranks #39. Both brokers deliver daily market commentary and stream forex news from top-tier sources like Bloomberg, Reuters, or Dow Jones, plus each offers an economic calendar to track global events.
Neither XTB nor Earn includes tools from Autochartist or Trading Central. A key difference is sentiment data: XTB provides a sentiment tool showing long/short ratios across instruments, whereas Earn does not. XTB does not feature TipRanks or Acuity Trading tools; for Earn, availability of TipRanks and Acuity Trading is not specified. For traders who value built-in sentiment insights alongside strong news coverage and commentary, XTB has the edge; for basics like news and calendars, both brokers cover the essentials.
| Feature |
XTB
|
Earn
|
|---|---|---|
| Daily Market Commentary | Yes | Yes |
| Forex News (Top-Tier Sources) | Yes | Yes |
| Autochartist | No | No |
| Trading Central (Recognia) | No | No |
| Client sentiment data | Yes | No |
| TipRanks | No | |
| Signal Centre (Acuity Trading) | No | |
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
XTB stands out for beginner education on forex and CFDs. It publishes at least 10 learning pieces and runs monthly client webinars, with a searchable archive you can revisit anytime. New traders get 10+ beginner video lessons, and there are also 10+ advanced videos for when you’re ready to level up. While it doesn’t include a large investor dictionary, XTB earns a 5-star Education rating and ranks #11 out of 63 brokers on ForexBrokers.com.
Earn offers far less for beginners. It doesn’t meet the minimum of 10 forex/CFDs lessons, doesn’t host monthly webinars, and has no searchable webinar archive; it also lacks sets of 10+ beginner and 10+ advanced videos, and there’s no investor dictionary. Reflecting this lighter lineup, Earn holds a 3.5-star Education rating and ranks #63 out of 63 brokers for Education on ForexBrokers.com. For most newcomers who want structured learning and live sessions, XTB is the stronger fit.
| 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 |
|
|
| Trust Score | 96 | 71 |
| Range of Investments |
|
|
| Commissions & Fees |
|
|
| Platforms & Tools |
|
|
| Research |
|
|
| Mobile Trading |
|
|
| Education |
|
|
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.
Select Brokers
↓×Compare
0 of 5| Overall Rating | XTB | Earn | |
|---|---|---|---|
| Overall Rating |
|
| |
| Commissions & Fees |
|
| |
| Range of Investments |
|
| |
| Platforms & Tools |
|
| |
| Mobile Trading |
|
| |
| Research |
|
| |
| Education |
|
| |
| Trust Score | 96 | 71 | |
| Winner | check_circle | ||
| Review | XTB Review |
| Broker Screenshots | XTB | Earn | |
|---|---|---|---|
| Broker Gallery (click to expand) |
|
| 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 | 1 | 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) | |||
| 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) | |||
| Israel (ISA Authorised) | No | No | |
| South Africa (FSCA Authorised) | Yes | No | |
| UAE (DFSA, FSRA, or SCA Authorised) | Yes | No | |
| India (SEBI Authorised) | No | No | |
| Jordan (JSC Authorised) |
| 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 Desktop Trading 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 [DELETED] | |||
| 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) [DELETED] | |||
| 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 | ||
| Client sentiment data | 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 | |
|---|---|---|---|
| Overall Rating |
|
| |
| Commissions & Fees |
|
| |
| Range of Investments |
|
| |
| Platforms & Tools |
|
| |
| Mobile Trading |
|
| |
| Research |
|
| |
| Education |
|
| |
| Trust Score | 96 | 71 | |
| Winner | check_circle | ||
| Review | XTB Review |
IG
CMC Markets
FOREX.com
XTB
eToro
AvaTrade
Plus500
Pepperstone
FP Markets
Tickmill