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XM Group vs Trading 212 2025

ForexBrokers.com

Written by ForexBrokers.com

February 05, 2025

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.

XM Group
4.5/5 Stars Overall
  • Minimum Deposit: $5
  • Trust Score: 93
  • Tradeable Symbols (Total): 1394
Trading 212
4/5 Stars Overall
  • Minimum Deposit: €1
  • Trust Score: 80
  • Tradeable Symbols (Total): 7868

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.

Regulation

Founded in 2009, XM Group stands out in the online brokerage world with a high Trust Score rating of 93 out of 99 from ForexBrokers.com, categorizing it as highly trusted. XM Group holds an impressive four Tier-1 licenses and one Tier-2 license, indicating its strong regulatory standing. Despite not being publicly traded or classified as a bank, XM Group's regulatory credentials position it as a reliable option for investors seeking assurance.

Trading 212, established in 2004, follows closely as a trusted broker with an 80 out of 99 Trust Score from ForexBrokers.com. This rating places Trading 212 in the trusted category. While it holds three Tier-1 licenses, the absence of Tier-2 licenses suggests a moderate regulatory presence. Like XM Group, Trading 212 is neither publicly traded nor a bank, but its trust score and licenses provide a reasonable level of security for traders.

Feature XM Group logoXM Group
Trading 212 logoTrading 212
Year Founded info 2009 2004
Publicly Traded (Listed) info No No
Bank info No No
Tier-1 Licenses info 4 3
Tier-2 Licenses info 1 0
Tier-3 Licenses info 0 0
Tier-4 Licenses info 1 0

Fees

Here’s a quick commissions-and-fees comparison of XM Group vs. Trading 212. Both brokers earn 4 out of 5 stars for pricing, but XM Group ranks higher (#34 of 63) than Trading 212 (#50 of 63) in ForexBrokers.com’s Commissions and Fees category.

XM Group’s Standard account has pricey spreads, which can make frequent trading costly. XM also offers a commission-based XM Zero account, but it does not publish average spread data for that account—making it harder to gauge your true all-in costs. Rating: 4/5 stars; Ranking: 34/63.

Trading 212 offers two account types: Invest (shares) with a 1-euro minimum and CFD (CFDs/forex) with a 10-euro minimum. While Trading 212 advertises zero-commission trading, you still pay the spread on CFDs and forex. The broker now publishes average spreads; in April 2025, the EUR/USD averaged 2.7 pips—above the industry average, which can increase costs relative to top-tier pricing peers. Rating: 4/5 stars; Ranking: 50/63.

Feature XM Group logoXM Group
Trading 212 logoTrading 212
Minimum Deposit info $5 €1
Average Spread EUR/USD - Standard info 1.6 info 2.7 info
All-in Cost EUR/USD - Active info 0.8 info 2.7 info
Active Trader or VIP Discounts info No No
ACH or SEPA Transfers info No Yes
PayPal (Deposit/Withdraw) info No Yes
Skrill (Deposit/Withdraw) info Yes No
Visa/Mastercard (Credit/Debit) info Yes Yes
Bank Wire (Deposit/Withdraw) info Yes Yes

Dive deeper: Best Low Spread Forex Brokers.

Featured Offers


Range of investments

Trading 212 delivers the broader range of investments, with 7,868 tradeable symbols and 146 forex pairs, compared with XM Group’s 1,394 symbols and 55 forex pairs. Both brokers support forex trading as CFDs or spot contracts. Each also lets you buy exchange-traded securities (not CFDs) on U.S. and international exchanges—so you can purchase shares like Apple (NASDAQ: AAPL) or Vodafone (LSE: VOD). Neither broker lets you buy actual crypto, but both provide access to cryptocurrency derivatives. A key difference: XM Group offers copy trading, while Trading 212 does not.

For range of investments, ForexBrokers.com rates Trading 212 at 5 stars (ranked 16th out of 63 brokers) and XM Group at 4.5 stars (ranked 25th out of 63). In short, choose Trading 212 if you want the widest symbol list and more forex pairs; pick XM Group if you want copy trading alongside a large, diversified lineup.

Feature XM Group logoXM Group
Trading 212 logoTrading 212
Forex Trading (Spot or CFDs) info Yes Yes
Tradeable Symbols (Total) info 1394 7868
Forex Pairs (Total) info 55 146
U.S. Stock Trading (Non CFD) info Yes Yes
Int'l Stock Trading (Non CFD) info Yes Yes
Social Trading / Copy Trading info Yes No
Cryptocurrency (Physical) info No No
Cryptocurrency (Derivative) info 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.

Trading platforms and tools

XM Group and Trading 212 both offer free demo accounts for paper trading and browser-based platforms. XM Group does not have a proprietary platform; instead it supports MetaTrader 4 (MT4) and MetaTrader 5 (MT5) and provides a Windows desktop download. Trading 212 offers its own proprietary web platform, but no Windows desktop app and no MT4 or MT5 support. Copy trading is available at XM Group but not at Trading 212. Neither broker supports DupliTrade or ZuluTrade. Both allow trading directly from charts.

For tools, XM Group lists 15 drawing tools versus 20 at Trading 212; indicator counts aren’t specified here. Watchlists offer 7 columns at XM Group compared with 5 at Trading 212. Both are rated 4 out of 5 stars for Trading Platforms and Tools; across 63 brokers, ForexBrokers.com ranks XM Group #33 and Trading 212 #20. Choose XM Group if you want MT4/MT5, a Windows desktop option, and copy trading. Pick Trading 212 if you prefer a proprietary, browser-based platform with slightly more drawing tools.

Feature XM Group logoXM Group
Trading 212 logoTrading 212
Virtual Trading (Demo) info Yes Yes
Proprietary Platform info No Yes
Desktop Platform (Windows) info Yes No
Web Platform info Yes Yes
Social Trading / Copy Trading info Yes No
MetaTrader 4 (MT4) info Yes No
MetaTrader 5 (MT5) info Yes No
DupliTrade info No No
ZuluTrade info No No
Charting - Indicators / Studies (Total) info 30 54
Charting - Drawing Tools (Total) [DELETED] info 15 20
Charting - Trade From Chart info Yes Yes
Watchlists - Total Fields info 7 5

Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.

Forex trading apps

Both XM Group and Trading 212 offer mobile trading apps for iPhone and Android. You’ll get price alerts, synced watchlists that match your online account, and real-time quotes in both apps. Charting on each supports multiple time frames and drawing trendlines. Each platform holds a 4 out of 5 star rating for Mobile Trading Apps, and in ForexBrokers.com’s ranking of 63 brokers, Trading 212 is 17th while XM Group is 31st.

The key differences are in charting depth and convenience. Trading 212 provides 104 technical studies and auto-saves your chart drawings, making it easier to continue your work later. XM Group offers 30 technical studies and does not auto-save drawings. If you depend on many indicators and saved annotations, Trading 212 has the edge; if you mainly want alerts, synced watchlists, and standard chart tools, both apps should suit you well.

Feature XM Group logoXM Group
Trading 212 logoTrading 212
Android App info Yes Yes
Apple iOS App info Yes Yes
Mobile Alerts - Basic Fields info Yes Yes
Watchlist Syncing info Yes Yes
Mobile Charting - Indicators / Studies info 30 104
Mobile Charting - Draw Trendlines info Yes Yes
Mobile Charting - Multiple Time Frames info Yes Yes
Mobile Charting - Drawings Autosave info No Yes
Mobile Watchlist info Yes Yes

Dive deeper: Best Forex Trading Apps.

Market research

XM Group delivers a fuller market research package: daily market commentary, forex news from top-tier sources, Trading Central tools for technical and fundamental insights, a sentiment tool showing long/short ratios, and an economic calendar. It does not include Autochartist, TipRanks, or Acuity Trading tools. According to ForexBrokers.com, XM Group earns 5 stars for Research and ranks #8 out of 63 brokers.

Trading 212 provides forex news from leading sources, a sentiment tool, and an economic calendar, but it lacks daily commentary and does not offer Trading Central, Autochartist, TipRanks, or Acuity Trading tools. ForexBrokers.com rates Trading 212 at 3.5 stars for Research and ranks it #45 out of 63. If you want frequent insights and built-in technical research, XM Group is the stronger pick; if you only need news, sentiment data, and a calendar, Trading 212 covers the basics.

Feature XM Group logoXM Group
Trading 212 logoTrading 212
Daily Market Commentary info Yes No
Forex News (Top-Tier Sources) info Yes Yes
Autochartist info No No
Trading Central (Recognia) info Yes No
Social Sentiment - Currency Pairs info Yes Yes
TipRanks info No No
Signal Centre (Acuity Trading) info No No
Economic Calendar info Yes Yes

Dive deeper: Best Brokers for Forex Research.

Beginners and education

XM Group and Trading 212 both provide beginner-friendly forex and CFD education with plenty of articles, videos, and archived webinars, plus at least 10 beginner videos and 10 advanced videos each. A key difference is live training: XM Group hosts ongoing client webinars at least monthly and also keeps a searchable archive, while Trading 212 does not run live webinars but still offers a searchable archive of recorded sessions.

For quick reference learning, Trading 212 stands out with an investor dictionary covering 50+ terms, which XM Group does not offer. According to ForexBrokers.com, XM Group earns 5 stars for Education and ranks #7 out of 63 brokers, while Trading 212 scores 3.5 stars and ranks #21. If you value live, scheduled lessons, XM Group may suit you better; if you want a built-in glossary to look up terms as you go, Trading 212 has that advantage.

Feature XM Group logoXM Group
Trading 212 logoTrading 212
Education (Forex or CFDs) info Yes Yes
Client Webinars info Yes No
Client Webinars (Archived) info Yes Yes
Videos - Beginner Trading Videos info Yes Yes
Videos - Advanced Trading Videos info Yes Yes
Investor Dictionary (Glossary) info No Yes

Dive deeper: Best Forex Brokers for Beginners.

Winner

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 #17, while Trading 212 finished with an overall rank of #31.

XM Group is a MetaTrader-only broker that offers a strong selection of high-quality educational content and market research.

Feature XM Group logoXM Group
Trading 212 logoTrading 212
Overall Rating info 4.5/5 Stars 4/5 Stars
Trust Score info 93 80
Range of Investments 4.5/5 Stars 5/5 Stars
Commissions & Fees 4/5 Stars 4/5 Stars
Platforms & Tools 4/5 Stars 4/5 Stars
Research 5/5 Stars 3.5/5 Stars
Mobile Trading 4/5 Stars 4/5 Stars
Education 4.5/5 Stars 4/5 Stars

FAQs

Can you trade cryptocurrency with XM Group or Trading 212?

Neither XM Group nor Trading 212 offer the ability to buy actual delivered cryptocurrency, but both provide options for purchasing cryptocurrency derivatives.

What funding options does each broker offer?

When comparing XM Group and Trading 212 for depositing or withdrawing account funds, Trading 212 supports ACH and SEPA transfers as well as PayPal, unlike XM Group, which instead offers Skrill, while both brokers accept Visa, Mastercard, and bank wire transfers, providing flexible options for diverse user preferences.

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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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Overall Rating XM Group Trading 212
Overall Rating info 4.5/5 Stars 4/5 Stars
Commissions & Fees 4/5 Stars 4/5 Stars
Range of Investments 4.5/5 Stars 5/5 Stars
Platforms & Tools 4/5 Stars 4/5 Stars
Mobile Trading 4/5 Stars 4/5 Stars
Research 5/5 Stars 3.5/5 Stars
Education 4.5/5 Stars 4/5 Stars
Trust Score info 93 80
Winner check_circle
Review XM Group Review Trading 212 Review
Broker Screenshots XM Group Trading 212
Broker Gallery (click to expand) info
XM MetaTrader 5 mobile trading app XM MetaTrader 5 desktop trading platform. XM research articles market news and analysis XM educational content forex course chapters.
Trading 212 mobile trading app sentiment Trading 212 web platform Trading 212 mobile trading app economic calendar Trading212 community forum.
Regulation XM Group Trading 212
Trust Score info 93 80
Year Founded info 2009 2004
Publicly Traded (Listed) info No No
Bank info No No
Regulated in one or more EU or EEA countries (MiFID). info Yes Yes info
Tier-1 Licenses info 4 3
Tier-2 Licenses info 1 0
Tier-3 Licenses info 0 0
Tier-4 Licenses info 1 0
Tier-1 Licenses (Highly Trusted) XM Group Trading 212
Australia (ASIC Authorised) info Yes No
Canada (CIRO Authorised) info No No
Hong Kong (SFC Authorised) info No No
Japan (SFC Authorised) info No No
Singapore (MAS Authorised) info No No
Switzerland (FINMA Authorised) info
United Kingdom (U.K.) (FCA Authorised) info No Yes
USA (CFTC Authorized) info No No
New Zealand (FMA Authorised) info No No
Regulated in one or more EU or EEA countries (MiFID). info Yes Yes info
Tier-2 Licenses (Trusted) XM Group Trading 212
Kenya (CMA Authorised) info
Israel (ISA Authorised) info No No
South Africa (FSCA Authorised) info Yes No
UAE (DFSA, FSRA, or SCA Authorised) info Yes No
India (SEBI Authorised) info No No
Jordan (JSC Authorised) info
Investments XM Group Trading 212
Forex Trading (Spot or CFDs) info Yes Yes
Tradeable Symbols (Total) info 1394 7868
Forex Pairs (Total) info 55 146
U.S. Stock Trading (Non CFD) info Yes Yes
Int'l Stock Trading (Non CFD) info Yes Yes
Social Trading / Copy Trading info Yes No
Cryptocurrency (Physical) info No No
Cryptocurrency (Derivative) info 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 - Standard info 1.6 info 2.7 info
All-in Cost EUR/USD - Active info 0.8 info 2.7 info
Active Trader or VIP Discounts info No No
Inactivity Fee info Yes No
Execution: Agency Broker info No Yes
Execution: Market Maker info Yes Yes
Funding XM Group Trading 212
Minimum Deposit info $5 €1
PayPal (Deposit/Withdraw) info No Yes
Skrill (Deposit/Withdraw) info Yes No
Visa/Mastercard (Credit/Debit) info Yes Yes
Bank Wire (Deposit/Withdraw) info Yes Yes
ACH or SEPA Transfers info No Yes
Trading Platforms XM Group Trading 212
Proprietary Platform info No Yes
Desktop Platform (Windows) info Yes No
Web Platform info Yes Yes
Social Trading / Copy Trading info Yes No
MetaTrader 4 (MT4) info Yes No
MetaTrader 5 (MT5) info Yes No
cTrader info No No
DupliTrade info No No
ZuluTrade info No No
Trading Tools XM Group Trading 212
Virtual Trading (Demo) info Yes Yes
Alerts - Basic Fields info Yes Yes
Watchlists - Total Fields info 7 5
Charting - Indicators / Studies (Total) info 30 54
Charting - Drawing Tools (Total) [DELETED] info 15 20
Charting - Trade From Chart info Yes Yes
Charts can be saved info Yes Yes
Mobile Trading XM Group Trading 212
Android App info Yes Yes
Apple iOS App info Yes Yes
Mobile Alerts - Basic Fields info Yes Yes
Mobile Watchlist info Yes Yes
Watchlist Syncing info Yes Yes
Mobile Charting - Indicators / Studies info 30 104
Mobile Charting - Draw Trendlines info Yes Yes
Mobile Charting - Multiple Time Frames info Yes Yes
Mobile Charting - Drawings Autosave info No Yes
Mobile Economic Calendar info Yes Yes
Research XM Group Trading 212
Daily Market Commentary info Yes No
Forex News (Top-Tier Sources) info Yes Yes
Autochartist info No No
Trading Central (Recognia) info Yes No
TipRanks info No No
Social Sentiment - Currency Pairs info Yes Yes
Economic Calendar info Yes Yes
Education XM Group Trading 212
Education (Forex or CFDs) info Yes Yes
Client Webinars info Yes No
Client Webinars (Archived) info Yes Yes
Videos - Beginner Trading Videos info Yes Yes
Videos - Advanced Trading Videos info Yes Yes
Investor Dictionary (Glossary) info No Yes
Major Forex Pairs XM Group Trading 212
GBP/USD info Yes Yes
USD/JPY info Yes Yes
EUR/USD info Yes Yes
USD/CHF info Yes Yes
USD/CAD info Yes Yes
NZD/USD info Yes Yes
AUD/USD info Yes Yes
Review XM Group Review Trading 212 Review
Overall XM Group Trading 212
Overall Rating info 4.5/5 Stars 4/5 Stars
Commissions & Fees 4/5 Stars 4/5 Stars
Range of Investments 4.5/5 Stars 5/5 Stars
Platforms & Tools 4/5 Stars 4/5 Stars
Mobile Trading 4/5 Stars 4/5 Stars
Research 5/5 Stars 3.5/5 Stars
Education 4.5/5 Stars 4/5 Stars
Trust Score info 93 80
Winner check_circle
Review XM Group Review Trading 212 Review
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