Written by ForexBrokers.com
In this head to head comparison of XM Group vs Trading 212, 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.
XM Group (founded 2009) and Trading 212 (founded 2004) are online brokers that are not publicly traded and are not banks. According to ForexBrokers.com, XM Group holds a Trust Score of 93/99 (highly trusted), while Trading 212 scores 82/99 (trusted).
Regulation-wise, XM Group has 4 Tier-1 licenses (highly trusted) and 3 Tier-2 licenses (trusted). Trading 212 has 3 Tier-1 licenses and no Tier-2 licenses. In this XM Group vs Trading 212 comparison, XM Group shows a stronger regulatory profile, while Trading 212 still meets a solid trusted standard.
| Feature |
XM Group
|
Trading 212
|
|---|---|---|
| Year Founded | 2009 | 2004 |
| Publicly Traded (Listed) | No | No |
| Bank | No | No |
| Tier-1 Licenses | 4 | 3 |
| Tier-2 Licenses | 3 | 0 |
| Tier-3 Licenses | 0 | 0 |
| Tier-4 Licenses | 1 | 0 |
When it comes to commissions and fees, XM Group and Trading 212 take different approaches, but neither is a clear winner on pricing. XM Group earns 3.5 out of 5 stars and ranks #35 out of 36 brokers for this category. Its standard account spreads are expensive, and it does not publish average spreads for the commission-based XM Zero account, which makes it harder to compare costs clearly.
Trading 212 rates a bit better at 4 out of 5 stars and ranks #28 out of 36. It advertises zero-commission trading, but traders still pay the spread on CFDs and forex. The broker has started sharing average spread data, which improves price transparency, but its April 2025 EUR/USD average spread of 2.7 pips is still well above the industry average and may cost more than many competing CFD and forex brokers.
Overall, Trading 212 appears slightly more favorable on commissions and fees thanks to its higher rating and better ranking, but both brokers have pricing drawbacks. XM Group may be less transparent about its costs, while Trading 212 is more open about spreads yet still looks expensive for CFD and forex trading.
| Feature |
XM Group
|
Trading 212
|
|---|---|---|
| Minimum Deposit | $5 | €1 |
| Average spread (EUR/USD) - Spread-only account | 1.1 | 2.7 |
| All-in Cost EUR/USD - Raw spread account | 0.7+ | 2.7 |
| Non-wire bank transfer (Deposit/Withdraw) | No | |
| PayPal (Deposit/Withdraw) | No | No |
| Skrill (Deposit/Withdraw) | Yes | No |
| Bank Wire (Deposit/Withdraw) | Yes | Yes |
Dive deeper: Best Low Spread Forex Brokers.
XM Group and Trading 212 both give traders access to forex as CFDs or spot contracts, along with exchange-traded shares on U.S. and international markets. XM Group offers 1,583 tradeable symbols and 54 forex pairs, while Trading 212 provides a much larger selection with 13,000 tradeable symbols and 180 forex pairs. That wider list gives Trading 212 the edge for investors who want more choice across markets.
There are also a few key differences in the range of investments. XM Group supports copy trading, but Trading 212 does not. On crypto, both brokers offer cryptocurrency CFDs, but only Trading 212 lets clients buy actual cryptocurrency. Based on these features, XM Group is rated 4.5 out of 5 for range of investments and ranks #19 out of 36 brokers, while Trading 212 scores 5 out of 5 and ranks #14, making it the stronger option overall for investment variety.
| Feature |
XM Group
|
Trading 212
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 1583 | 13000 |
| Forex Pairs (Total) | 54 | 180 |
| U.S. Stocks (Shares) | Yes | Yes |
| Global Stocks (Non-U.S. Shares) | Yes | Yes |
| Copy Trading | Yes | No |
| Cryptocurrency (Underlying) | No | Yes |
| 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.
XM Group and Trading 212 both give traders a free demo account for simulated trading, plus web-based platforms and the ability to trade directly from a chart. Neither broker offers a proprietary in-house platform, but XM Group has a wider platform range overall thanks to its Windows desktop download option, while Trading 212 is more web-focused. Both brokers also earn 4 out of 5 stars for trading platforms and tools.
For traders who want more platform choice, XM Group stands out with MetaTrader 4, MetaTrader 5, and copy trading, features Trading 212 does not offer. Trading 212, however, still scores higher in ForexBrokers.com’s ranking for this category, placing #19 out of 36 brokers compared with XM Group at #28. In simple terms, XM Group may appeal more to traders looking for MetaTrader and copy trading, while Trading 212 may suit those who prefer a clean browser-based setup.
| Feature |
XM Group
|
Trading 212
|
|---|---|---|
| Virtual Trading (Demo) | Yes | Yes |
| Proprietary Desktop Trading Platform | No | No |
| Desktop Platform (Windows) | Yes | No |
| Web Platform | Yes | Yes |
| Copy Trading | Yes | No |
| MetaTrader 4 (MT4) | Yes | No |
| MetaTrader 5 (MT5) | Yes | No |
| Charting - Indicators / Studies (Total) | 100 | 102 |
| Charting - Trade From Chart | Yes | Yes |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
XM Group and Trading 212 both make it easy to trade on the go with iPhone and Android apps, plus stock and forex price alerts and watchlist syncing between mobile and online accounts. Each app also lets users draw trendlines on charts, making it simple to track price moves and plan trades from a phone or tablet.
When it comes to chart tools, XM Group offers 100 technical studies in its mobile app, while Trading 212 offers 104, giving Trading 212 a slight edge for chart analysis. Trading 212 also auto-saves chart drawings, which XM Group does not. Both brokers are rated 4 out of 5 stars for mobile trading apps, but Trading 212 places higher in ForexBrokers.com’s ranking at #17 out of 36, compared with XM Group at #26.
| Feature |
XM Group
|
Trading 212
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Price Alerts | Yes | Yes |
| Mobile Watchlists - Syncing | Yes | Yes |
| Mobile Charting - Indicators / Studies | 100 | 104 |
| Mobile Charting - Draw Trendlines | Yes | Yes |
| Mobile Charting - Trendlines Autosave | No | Yes |
Dive deeper: Best Forex Trading Apps.
XM Group has a clear edge over Trading 212 for market research. XM Group offers daily market commentary, forex news from leading sources like Bloomberg and Reuters, Trading Central tools for technical analysis, a sentiment tool showing long and short positions, and an economic calendar for global events. Trading 212 also provides top-tier forex news, a sentiment tool, and an economic calendar, but it does not offer daily market commentary or Trading Central research tools.
Overall, XM Group is stronger for traders who want more built-in research and analysis help. This shows in its 5-star Research rating and #8 ranking out of 36 brokers from ForexBrokers.com, compared with Trading 212’s 3.5-star rating and #31 ranking. For market research, XM Group is the better choice for traders who want more guidance and insight in one place.
| Feature |
XM Group
|
Trading 212
|
|---|---|---|
| Daily Market Commentary (Articles) | Yes | No |
| Forex News (Top-Tier Sources) | Yes | Yes |
| Autochartist | No | No |
| Trading Central | Yes | No |
| Client sentiment data | Yes | Yes |
| TipRanks | No | No |
| Acuity Trading | No | No |
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
For beginners looking for trading education, XM Group has a clear edge over Trading 212. XM Group offers forex and CFDs learning content, hosts online educational client webinars at least once a month, and provides at least 10 beginner videos plus 10 advanced videos for traders who want to keep learning as they grow. Trading 212 also offers at least 10 beginner videos and 10 advanced videos, but it does not run monthly educational webinars and does not appear to match XM Group’s range of forex and CFDs-focused learning materials.
This difference shows up in independent ratings too. XM Group earns 5 out of 5 stars for Education and ranks #5 out of 36 brokers in the ForexBrokers.com Education category, while Trading 212 is rated 3.5 out of 5 stars and ranks #23. If you are new to trading and want more guided support, more live learning, and more forex or CFDs education, XM Group is the stronger choice.
| Feature |
XM Group
|
Trading 212
|
|---|---|---|
| Webinars | Yes | No |
| Videos - Beginner Trading Videos | Yes | Yes |
| Videos - Advanced Trading Videos | Yes | Yes |
Dive deeper: Best Forex Brokers for Beginners.
After testing 63 of the best forex brokers, our research and account testing finds that XM Group is better than Trading 212. XM Group finished with an overall rank of #16, while Trading 212 finished with an overall rank of #25.
XM Group is a multi-regulated forex and CFD broker offering 1,583 tradeable symbols across MetaTrader 4 and 5 and a new proprietary web and mobile platform. Its live trading rooms and integrated Trading Central research are among the best in the industry. Standard account spreads are expensive, though the Ultra Low and Zero accounts are competitive.
| Feature |
XM Group
|
Trading 212
|
|---|---|---|
| Overall Rating |
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| Trust Score | 93 | 82 |
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In XM Group vs Trading 212, both online brokers offer cryptocurrency CFDs, but only Trading 212 lets you buy actual (delivered) cryptocurrency, whereas XM Group does not.
When comparing XM Group vs Trading 212, both brokers support bank wire transfers, XM Group also offers Skrill and does not support ACH, SEPA or PayPal, while Trading 212 does not support Skrill or PayPal and its ACH, SEPA, Visa and Mastercard availability is not specified here.
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 | XM Group | Trading 212 | |
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| Trust Score | 93 | 82 | |
| Winner | check_circle | ||
| Review | XM Group Review | Trading 212 Review |
| Broker Screenshots | XM Group | Trading 212 | |
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| Regulation | XM Group | Trading 212 | |
|---|---|---|---|
| Trust Score | 93 | 82 | |
| Year Founded | 2009 | 2004 | |
| Publicly Traded (Listed) | No | No | |
| Bank | No | No | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | Yes | |
| Tier-1 Licenses | 4 | 3 | |
| Tier-2 Licenses | 3 | 0 | |
| Tier-3 Licenses | 0 | 0 | |
| Tier-4 Licenses | 1 | 0 |
| Tier-1 Licenses (Highly Trusted) | XM Group | Trading 212 | |
|---|---|---|---|
| Australia (ASIC Authorised) | Yes | No | |
| Canada (CIRO Authorised) | No | No | |
| Hong Kong (SFC Authorised) | No | No | |
| Japan (FSA Authorised) | No | No | |
| Singapore (MAS Authorised) | No | No | |
| Switzerland (FINMA Authorised) | |||
| United Kingdom (U.K.) (FCA Authorised) | No | Yes | |
| 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) | XM Group | Trading 212 | |
|---|---|---|---|
| Kenya (CMA Authorised) | Yes | ||
| Israel (ISA Authorised) | No | No | |
| South Africa (FSCA Authorised) | Yes | No | |
| UAE (DFSA, FSRA, or CMA Authorised) | Yes | No | |
| India (SEBI Authorised) | No | No | |
| Jordan (JSC Authorised) |
| Investments | XM Group | Trading 212 | |
|---|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes | |
| Tradeable Symbols (Total) | 1583 | 13000 | |
| Forex Pairs (Total) | 54 | 180 | |
| U.S. Stocks (Shares) | Yes | Yes | |
| Global Stocks (Non-U.S. Shares) | Yes | Yes | |
| Copy Trading | Yes | No | |
| Cryptocurrency (Underlying) | No | Yes | |
| 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 | XM Group | Trading 212 | |
|---|---|---|---|
| Average spread (EUR/USD) - Spread-only account | 1.1 | 2.7 | |
| All-in Cost EUR/USD - Raw spread account | 0.7+ | 2.7 | |
| Inactivity Fee | Yes | No | |
| Order execution: Agency | No | Yes | |
| Order execution: Market Maker | Yes | Yes |
| Funding | XM Group | Trading 212 | |
|---|---|---|---|
| Minimum Deposit | $5 | €1 | |
| PayPal (Deposit/Withdraw) | No | No | |
| Skrill (Deposit/Withdraw) | Yes | No | |
| Bank Wire (Deposit/Withdraw) | Yes | Yes | |
| Non-wire bank transfer (Deposit/Withdraw) | No |
| Trading Platforms | XM Group | Trading 212 | |
|---|---|---|---|
| Proprietary Desktop Trading Platform | No | No | |
| Desktop Platform (Windows) | Yes | No | |
| Web Platform | Yes | Yes | |
| Copy Trading | Yes | No | |
| MetaTrader 4 (MT4) | Yes | No | |
| MetaTrader 5 (MT5) | Yes | No | |
| cTrader | No | No |
| Trading Tools | XM Group | Trading 212 | |
|---|---|---|---|
| Virtual Trading (Demo) | Yes | Yes | |
| Price Alerts | Yes | Yes | |
| Charting - Indicators / Studies (Total) | 100 | 102 | |
| Charting - Trade From Chart | Yes | Yes | |
| Charts can be saved | Yes | Yes |
| Mobile Trading | XM Group | Trading 212 | |
|---|---|---|---|
| Android App | Yes | Yes | |
| Apple iOS App | Yes | Yes | |
| Mobile Price Alerts | Yes | Yes | |
| Mobile Watchlist [DELETED] | |||
| Mobile Watchlists - Syncing | Yes | Yes | |
| Mobile Charting - Indicators / Studies | 100 | 104 | |
| Mobile Charting - Draw Trendlines | Yes | Yes | |
| Mobile Charting - Trendlines Autosave | No | Yes | |
| Mobile Research - Economic Calendar | Yes | Yes |
| Research | XM Group | Trading 212 | |
|---|---|---|---|
| Daily Market Commentary (Articles) | Yes | No | |
| Forex News (Top-Tier Sources) | Yes | Yes | |
| Autochartist | No | No | |
| Trading Central | Yes | No | |
| TipRanks | No | No | |
| Client sentiment data | Yes | Yes | |
| Economic Calendar | Yes | Yes |
| Education | XM Group | Trading 212 | |
|---|---|---|---|
| Webinars | Yes | No | |
| Videos - Beginner Trading Videos | Yes | Yes | |
| Videos - Advanced Trading Videos | Yes | Yes |
| Major Forex Pairs | XM Group | Trading 212 | |
|---|---|---|---|
| GBP/USD [DELETED] | |||
| USD/JPY [DELETED] | |||
| EUR/USD | Yes | Yes | |
| USD/CHF [DELETED] | |||
| USD/CAD [DELETED] | |||
| NZD/USD [DELETED] | |||
| AUD/USD [DELETED] | |||
| Review | XM Group Review | Trading 212 Review |
| Overall | XM Group | Trading 212 | |
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| Trust Score | 93 | 82 | |
| Winner | check_circle | ||
| Review | XM Group Review | Trading 212 Review |
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