Written by ForexBrokers.com
In this head to head comparison of XTB vs XM Group, 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.
XTB vs XM Group: XTB was founded in 2002 and is publicly traded (not a bank). XM Group launched in 2009, is not publicly traded, and is also not a bank. Both are well-known online brokers serving forex and CFD traders.
On regulation, XTB holds 2 Tier-1 and 2 Tier-2 licenses, while XM Group holds 4 Tier-1 and 3 Tier-2 licenses. According to ForexBrokers.com, XTB has a Trust Score of 96/99 and XM Group scores 93/99—both in the 90–99 “highly trusted” range (80–89 trusted, 70–79 average risk, 60–69 high risk, under 59 not trusted). Despite XM Group having more top-tier licenses, XTB posts a slightly higher overall Trust Score.
| Feature |
XTB
|
XM Group
|
|---|---|---|
| Year Founded | 2002 | 2009 |
| Publicly Traded (Listed) | Yes | No |
| Bank | No | No |
| Tier-1 Licenses | 2 | 4 |
| Tier-2 Licenses | 2 | 3 |
| Tier-3 Licenses | 1 | 0 |
| Tier-4 Licenses | 2 | 1 |
XTB generally offers better value than XM Group when it comes to commissions and fees. XTB has a spread-only Standard account and a commission-based Professional account, though the Pro option is limited to certain eligible clients in the U.K. and Europe and is being phased out in many regions. Based on Q4 2023 data, XTB’s average EUR/USD spread was 1 pip, which is in line with the industry average. For most retail traders, the Standard account is the better fit, especially since pricing can be more favorable for smaller trade sizes. XTB also offers an active trader rebate program, called Lower Spread Group, which can return 5% to 30% of spreads depending on monthly trading volume.
XM Group is less competitive on pricing, mainly because its Standard account spreads are relatively high. The broker also offers a commission-based XM Zero account, but its average spreads are not published, making it harder to compare clearly. In a side-by-side comparison, XTB is the stronger choice for traders who want more transparent and lower overall trading costs. XTB is rated 4.5 out of 5 stars and ranked #13 out of 36 brokers for commissions and fees, while XM Group is rated 3.5 out of 5 stars and ranked #34 out of 36.
| Feature |
XTB
|
XM Group
|
|---|---|---|
| Minimum Deposit | $0 | $5 |
| Average spread (EUR/USD) - Standard account | 0.92 | 2 |
| All-in Cost EUR/USD - Active | 0.92 | N/A |
| Non-wire bank transfer | No | No |
| PayPal (Deposit/Withdraw) | Yes | No |
| Skrill (Deposit/Withdraw) | Yes | Yes |
| Bank Wire (Deposit/Withdraw) | Yes | Yes |
Dive deeper: Best Low Spread Forex Brokers.
XTB offers a wider range of investments than XM Group, making it the stronger choice for traders who want more variety. XTB gives access to 10,900 tradable symbols and 71 forex pairs, compared with XM Group’s 1,429 symbols and 55 forex pairs. Both brokers support forex trading as CFDs or spot contracts, and both let clients trade exchange-traded securities on U.S. and international exchanges. Both also offer cryptocurrency CFDs, but neither allows you to buy actual cryptocurrency.
One key difference is copy trading: XM Group offers it, while XTB does not. Even so, XTB scores higher for range of investments, with a 5-star rating and a #14 ranking out of 36 brokers, versus XM Group’s 4.5 stars and #19 ranking. For investors looking for the broadest selection of markets and instruments, XTB has the edge overall.
| Feature |
XTB
|
XM Group
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 10900 | 1429 |
| Forex Pairs (Total) | 71 | 55 |
| U.S. Stocks (Shares) | Yes | Yes |
| Global Stocks (Non-U.S. Shares) | Yes | Yes |
| Copy Trading | No | 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.
XTB and XM Group both make it easy to get started, since each broker offers a free demo account, a web trading platform, and a Windows desktop app. Both also let you trade directly from a chart, which can be helpful if you want a quicker way to place orders while watching price moves. On paper, XTB has the edge for platform design because it offers its own in-house trading platform, while XM Group leans more on third-party software.
XM Group stands out for traders who want more platform choices, since it supports both MetaTrader 4 and MetaTrader 5 and also offers copy trading, while XTB does not. XTB, however, earns a slightly better overall score for trading platforms and tools, with a 4.5-star rating and a #9 rank out of 36 brokers, compared with XM Group’s 4-star rating and #27 rank. In short, XTB may suit traders looking for a simpler, broker-built experience, while XM Group may appeal more to those who prefer MetaTrader and copy trading options.
| Feature |
XTB
|
XM Group
|
|---|---|---|
| Virtual Trading (Demo) | Yes | Yes |
| Proprietary Desktop Trading Platform | Yes | No |
| Desktop Platform (Windows) | Yes | Yes |
| Web Platform | Yes | Yes |
| Copy Trading | No | Yes |
| MetaTrader 4 (MT4) | No | Yes |
| MetaTrader 5 (MT5) | No | Yes |
| Charting - Indicators / Studies (Total) | 39 | 30 |
| Charting - Trade From Chart | Yes | Yes |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
XTB and XM Group both offer mobile trading apps for iPhone and Android, and both let users set stock or forex price alerts. However, XTB stands out for charting tools, offering 39 technical studies in its mobile app compared with 30 at XM Group. Both apps also support drawing trendlines on charts, but XTB goes a step further by automatically saving those drawings, while XM Group does not. In terms of overall mobile experience, XTB is rated 4.5 out of 5 stars and ranks #8 out of 36 brokers for Mobile Trading Apps, while XM Group is rated 4 stars and ranks #26.
One area where XM Group has an edge is watchlist syncing. Its mobile app keeps watchlists synced with the client’s online account, so changes update across devices, while XTB does not offer this feature. For traders who want stronger charting tools and better app ratings, XTB looks like the better choice. For those who value synced watchlists between mobile and web, XM Group may be more convenient.
| Feature |
XTB
|
XM Group
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Price Alerts | Yes | Yes |
| Mobile Watchlists - Syncing | No | Yes |
| Mobile Charting - Indicators / Studies | 39 | 30 |
| Mobile Charting - Draw Trendlines | Yes | Yes |
| Mobile Charting - Trendlines Autosave | Yes | No |
Dive deeper: Best Forex Trading Apps.
XTB and XM Group are both strong choices for market research, and each offers daily market commentary, forex news from major sources such as Bloomberg and Reuters, a sentiment tool that shows whether traders are mostly long or short, and an economic calendar with upcoming global events. Both brokers also earn top marks for research, with a 5-star rating, showing that they provide useful tools for traders who want to stay on top of the markets.
The main difference is that XM Group has an edge in research tools because it includes Trading Central, while XTB does not. Neither broker offers Autochartist, TipRanks, or Acuity Trading tools. In ForexBrokers.com’s research ranking, XM Group is slightly ahead at #8 out of 36 brokers, while XTB is close behind at #9, making both brokers highly competitive for market analysis and trading ideas.
| Feature |
XTB
|
XM Group
|
|---|---|---|
| Daily Market Commentary (Articles) | Yes | Yes |
| Forex News (Top-Tier Sources) | Yes | Yes |
| Autochartist | No | No |
| Trading Central | No | Yes |
| Client sentiment data | Yes | Yes |
| TipRanks | No | No |
| Acuity Trading | No | No |
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
When it comes to learning resources for beginners, both XTB and XM Group give new traders plenty of support. Each broker offers forex and CFD education with at least 10 learning pieces, regular online webinars, and a good mix of beginner and advanced videos. Both are also rated 5 out of 5 stars for Education, so either choice gives users access to a strong set of tools for building trading knowledge.
The main difference is in how they rank overall: XM Group places higher in ForexBrokers.com’s Education category at #5 out of 36 brokers, while XTB sits at #11. For beginners who want a broker with lots of learning material and live teaching sessions, both are solid options, but XM Group has the edge in the category ranking.
| Feature |
XTB
|
XM Group
|
|---|---|---|
| Webinars | Yes | Yes |
| 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 XTB is better than XM Group. XTB finished with an overall rank of #7, while XM Group finished with an overall rank of #16.
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
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XM Group
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| Trust Score | 96 | 93 |
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In the XTB vs XM Group comparison, neither online broker supports buying actual (delivered) cryptocurrency, but both offer cryptocurrency CFD trading.
XTB vs XM Group: for deposit and withdrawal methods, neither broker supports ACH or SEPA transfers, both allow bank wire transfers, and e-wallet options differ—XTB supports PayPal and Skrill while XM Group supports Skrill but not PayPal.
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 | XM Group | |
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| Trust Score | 96 | 93 | |
| Winner | check_circle | ||
| Review | XTB Review | XM Group Review |
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| Regulation | XTB | XM Group | |
|---|---|---|---|
| Trust Score | 96 | 93 | |
| Year Founded | 2002 | 2009 | |
| Publicly Traded (Listed) | Yes | No | |
| Bank | No | No | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | Yes | |
| Tier-1 Licenses | 2 | 4 | |
| Tier-2 Licenses | 2 | 3 | |
| Tier-3 Licenses | 1 | 0 | |
| Tier-4 Licenses | 2 | 1 |
| Tier-1 Licenses (Highly Trusted) | XTB | XM Group | |
|---|---|---|---|
| Australia (ASIC Authorised) | No | Yes | |
| 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) | 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 | XM Group | |
|---|---|---|---|
| Kenya (CMA Authorised) | Yes | ||
| Israel (ISA Authorised) | No | No | |
| South Africa (FSCA Authorised) | Yes | Yes | |
| UAE (DFSA, FSRA, or CMA Authorised) | Yes | Yes | |
| India (SEBI Authorised) | No | No | |
| Jordan (JSC Authorised) |
| Investments | XTB | XM Group | |
|---|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes | |
| Tradeable Symbols (Total) | 10900 | 1429 | |
| Forex Pairs (Total) | 71 | 55 | |
| U.S. Stocks (Shares) | Yes | Yes | |
| Global Stocks (Non-U.S. Shares) | Yes | Yes | |
| Copy Trading | No | 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 | XTB | XM Group | |
|---|---|---|---|
| Average spread (EUR/USD) - Standard account | 0.92 | 2 | |
| All-in Cost EUR/USD - Active | 0.92 | N/A | |
| Inactivity Fee | Yes | Yes | |
| Order execution: Agency | Yes | No | |
| Order execution: Market Maker | Yes | Yes |
| Funding | XTB | XM Group | |
|---|---|---|---|
| Minimum Deposit | $0 | $5 | |
| PayPal (Deposit/Withdraw) | Yes | No | |
| Skrill (Deposit/Withdraw) | Yes | Yes | |
| Bank Wire (Deposit/Withdraw) | Yes | Yes | |
| Non-wire bank transfer | No | No |
| Trading Platforms | XTB | XM Group | |
|---|---|---|---|
| Proprietary Desktop Trading Platform | Yes | No | |
| Desktop Platform (Windows) | Yes | Yes | |
| Web Platform | Yes | Yes | |
| Copy Trading | No | Yes | |
| MetaTrader 4 (MT4) | No | Yes | |
| MetaTrader 5 (MT5) | No | Yes | |
| cTrader | No | No |
| Trading Tools | XTB | XM Group | |
|---|---|---|---|
| Virtual Trading (Demo) | Yes | Yes | |
| Price Alerts | Yes | Yes | |
| Charting - Indicators / Studies (Total) | 39 | 30 | |
| Charting - Trade From Chart | Yes | Yes | |
| Charts can be saved | Yes | Yes |
| Mobile Trading | XTB | XM Group | |
|---|---|---|---|
| Android App | Yes | Yes | |
| Apple iOS App | Yes | Yes | |
| Mobile Price Alerts | Yes | Yes | |
| Mobile Watchlist [DELETED] | |||
| Mobile Watchlists - Syncing | No | Yes | |
| Mobile Charting - Indicators / Studies | 39 | 30 | |
| Mobile Charting - Draw Trendlines | Yes | Yes | |
| Mobile Charting - Trendlines Autosave | Yes | No | |
| Mobile Research - Economic Calendar | Yes | Yes |
| Research | XTB | XM Group | |
|---|---|---|---|
| Daily Market Commentary (Articles) | Yes | Yes | |
| Forex News (Top-Tier Sources) | Yes | Yes | |
| Autochartist | No | No | |
| Trading Central | No | Yes | |
| TipRanks | No | No | |
| Client sentiment data | Yes | Yes | |
| Economic Calendar | Yes | Yes |
| Education | XTB | XM Group | |
|---|---|---|---|
| Webinars | Yes | Yes | |
| Videos - Beginner Trading Videos | Yes | Yes | |
| Videos - Advanced Trading Videos | Yes | Yes |
| Major Forex Pairs | XTB | XM Group | |
|---|---|---|---|
| GBP/USD [DELETED] | |||
| USD/JPY [DELETED] | |||
| EUR/USD | Yes | Yes | |
| USD/CHF [DELETED] | |||
| USD/CAD [DELETED] | |||
| NZD/USD [DELETED] | |||
| AUD/USD [DELETED] | |||
| Review | XTB Review | XM Group Review |
| Overall | XTB | XM Group | |
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| Trust Score | 96 | 93 | |
| Winner | check_circle | ||
| Review | XTB Review | XM Group Review |
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