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 and XM Group both offer trading accounts with fees that depend on the account type you choose, but XTB comes out ahead on overall value. XTB’s pricing is close to the industry average, with its standard spread-only account generally being the better pick for most retail forex traders. Using Q4 2023 data, XTB’s average EUR/USD spread was 1 pip, and active traders may qualify for lower spread rebates through its Lower Spread Group program. XTB is rated 4.5 out of 5 stars for commissions and fees and is ranked #13 out of 36 brokers by ForexBrokers.com in this category.
XM Group, by comparison, is less attractive on pricing overall. Its standard account spreads are considered expensive, and while it also offers a commission-based XM Zero account, average spread data for that account is not published. That makes it harder to judge the true trading cost upfront, especially for traders who want clear pricing before opening an account. XM Group is rated 3.5 out of 5 stars for commissions and fees and is ranked #35 out of 36 brokers.
In simple terms, XTB offers the stronger mix of spreads, fee transparency, and active trader discounts, while XM Group trails behind in this category. If lower trading costs are a priority, XTB is the better choice of the two for most traders.
| Feature |
XTB
|
XM Group
|
|---|---|---|
| Minimum Deposit | $0 | $5 |
| Average spread (EUR/USD) - Spread-only account | 1.06 | 1.1 |
| All-in Cost EUR/USD - Raw spread account | N/A | 0.7+ |
| Non-wire bank transfer (Deposit/Withdraw) | 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 and XM Group both give traders access to forex, with each offering forex trading through CFDs or spot contracts. Both brokers also let clients buy exchange-traded shares on U.S. and international exchanges, so you can invest in real company stock rather than only derivatives. On top of that, both support cryptocurrency CFDs, but XTB goes a step further by also offering the purchase of actual cryptocurrency.
Where XTB pulls ahead is breadth. It offers 10,521 tradeable symbols and 71 forex pairs, compared with XM Group’s 1,583 symbols and 54 forex pairs. XM Group does have one feature XTB lacks: copy trading. Still, based on range of investments, XTB comes out stronger overall, earning 5 stars and a #15 ranking from ForexBrokers.com, while XM Group scores 4.5 stars and ranks #19.
| Feature |
XTB
|
XM Group
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 10521 | 1583 |
| Forex Pairs (Total) | 71 | 54 |
| U.S. Stocks (Shares) | Yes | Yes |
| Global Stocks (Non-U.S. Shares) | Yes | Yes |
| Copy Trading | No | Yes |
| Cryptocurrency (Underlying) | Yes | 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 give traders a free demo account and a web-based platform, and both let you place trades directly from charts. XTB stands out with its own in-house platform, which may appeal to traders who want a simple, broker-built experience. It also earns a higher Trading Platforms and Tools rating from ForexBrokers.com, with 4.5 out of 5 stars and a #9 ranking out of 36 brokers.
XM Group, on the other hand, offers more platform choices for active traders, including a Windows desktop platform, MetaTrader 4, MetaTrader 5, and copy trading. That makes it a better fit for people who want familiar third-party tools and the option to follow other traders. XM Group is rated 4 out of 5 stars in this category and ranks #28 out of 36, so while it offers more platform variety, XTB has the edge in overall platform and tools ratings.
| Feature |
XTB
|
XM Group
|
|---|---|---|
| Virtual Trading (Demo) | Yes | Yes |
| Proprietary Desktop Trading Platform | Yes | No |
| Desktop Platform (Windows) | No | Yes |
| Web Platform | Yes | Yes |
| Copy Trading | No | Yes |
| MetaTrader 4 (MT4) | No | Yes |
| MetaTrader 5 (MT5) | No | Yes |
| Charting - Indicators / Studies (Total) | 92 | 100 |
| 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, so traders can manage accounts and place trades from either type of device. Each app also supports stock or forex price alerts, watchlist syncing with the online account, and trendline drawing on charts. For charting tools, XTB has a slight edge with 104 technical studies in its mobile app, compared with 100 for XM Group.
When it comes to ease of use and overall mobile trading features, XTB comes out ahead. Its app auto-saves chart drawings, while XM Group does not. XTB is also rated 4.5 out of 5 stars for mobile trading apps and ranks #8 out of 36 brokers at ForexBrokers.com, compared with XM Group’s 4-star rating and #26 ranking. For traders who want a slightly more polished mobile experience, XTB has the stronger app overall.
| Feature |
XTB
|
XM Group
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Price Alerts | Yes | Yes |
| Mobile Watchlists - Syncing | Yes | Yes |
| Mobile Charting - Indicators / Studies | 104 | 100 |
| Mobile Charting - Draw Trendlines | Yes | Yes |
| Mobile Charting - Trendlines Autosave | Yes | No |
Dive deeper: Best Forex Trading Apps.
XTB and XM Group both do well when it comes to market research, with each offering daily market commentary, a sentiment tool that shows whether traders are mostly long or short, and an economic calendar with upcoming global events. Both brokers also earn a 5-star Research rating, showing they are strong choices for traders who want regular updates and key market information.
The main difference is in the extra research tools and news coverage. XM Group has an edge because it provides forex news from major sources like Bloomberg, Reuters, and Dow Jones, plus Trading Central tools that can help with technical analysis. XTB does not offer those features, but it still delivers useful research support overall. In ForexBrokers.com’s Research rankings, XM Group places slightly higher at #8 out of 36 brokers, while XTB comes in at #9.
| Feature |
XTB
|
XM Group
|
|---|---|---|
| Daily Market Commentary (Articles) | Yes | Yes |
| Forex News (Top-Tier Sources) | No | 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 offers comprehensive educational content and market research.
| Feature |
XTB
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XM Group
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|---|---|---|
| Overall Rating |
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| Trust Score | 96 | 93 |
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XTB lets traders buy both actual delivered cryptocurrency and cryptocurrency CFDs, while XM Group offers cryptocurrency CFDs only and does not provide access to buying actual cryptocurrency.
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 |
| Broker Screenshots | XTB | XM Group | |
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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) | 10521 | 1583 | |
| Forex Pairs (Total) | 71 | 54 | |
| U.S. Stocks (Shares) | Yes | Yes | |
| Global Stocks (Non-U.S. Shares) | Yes | Yes | |
| Copy Trading | No | Yes | |
| Cryptocurrency (Underlying) | Yes | 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) - Spread-only account | 1.06 | 1.1 | |
| All-in Cost EUR/USD - Raw spread account | N/A | 0.7+ | |
| 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 (Deposit/Withdraw) | No | No |
| Trading Platforms | XTB | XM Group | |
|---|---|---|---|
| Proprietary Desktop Trading Platform | Yes | No | |
| Desktop Platform (Windows) | No | 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) | 92 | 100 | |
| 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 | Yes | Yes | |
| Mobile Charting - Indicators / Studies | 104 | 100 | |
| 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) | No | 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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