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.
When comparing online brokers XTB and XM Group, both stand out for their regulatory compliance and trustworthiness. XTB, founded in 2002, is a publicly traded company and holds two Tier-1 licenses, marking it as highly trusted. Additionally, it has two Tier-2 licenses, which further solidify its security credentials. XM Group, established in 2009, is not publicly traded but surpasses XTB in regulatory licensing with four Tier-1 licenses. However, it holds only one Tier-2 license. Despite these differences, both brokers are not banks, focusing purely on brokerage services.
In terms of trustworthiness, both brokers receive high marks from ForexBrokers.com. XTB boasts a Trust Score of 96 out of 99, indicating a very high level of trust. Similarly, XM Group holds a commendable Trust Score of 93, although slightly lower, still signifying a strong reputation in the industry. These scores suggest both brokers are reliable choices for online trading, with each offering unique strengths in the realm of licensure and public credibility.
| 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 | 1 |
| Tier-3 Licenses | 1 | 0 |
| Tier-4 Licenses | 2 | 1 |
Comparing commissions and fees, XTB has the edge over XM Group. XTB is rated 4.5/5 stars and ranks #13 out of 63 brokers for the Commissions and Fees category at ForexBrokers.com, while XM Group is rated 4/5 stars and ranks #34/63. XTB publishes average spreads, whereas XM’s commission-based XM Zero account does not publish average spreads, and XM’s Standard account spreads are considered expensive.
XTB offers a spread-only Standard account and a commission-based Professional account reserved for elective professional clients in the U.K. and EU (the Pro option is being phased out and is no longer promoted). Using Q4 2023 data, XTB’s average EUR/USD spread was 1.0 pip, which is around the industry average. The Standard and Professional accounts are similar at higher volumes, but the Standard tends to be cheaper for smaller trade sizes—and it’s the practical choice for most retail traders given limited Pro availability. Minimum deposit is 250 in your base currency (£250/€250/$250). Active traders can qualify for XTB’s Lower Spread Group, which rebates 5% to 30% of the spread for monthly volumes from 20 to 1,000 lots.
XM Group’s pricing is less straightforward: the Standard account has higher spreads, and the XM Zero account doesn’t publish average spreads, making typical costs harder to gauge. By contrast, XTB’s posted averages (such as 1.0 pip on EUR/USD in Q4 2023) and optional volume-based rebates provide clearer expectations for active traders.
| 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.
Comparing XTB vs XM Group on range of investments, XTB offers far more tradeable symbols (10,900 vs 1,394) and more forex pairs (71 vs 55). Both brokers let you trade forex, whether you prefer CFDs or spot. Each supports cryptocurrency CFDs but not direct, delivered crypto. Copy trading is a difference: XM Group provides it, while XTB does not.
Both XTB and XM Group allow clients to buy exchange-traded stocks (not CFDs) on U.S. markets like NASDAQ and on international exchanges such as the London Stock Exchange. For this category, XTB earns 5/5 stars and ranks 14th out of 63 brokers at ForexBrokers.com, while XM Group earns 4.5/5 stars and ranks 19th. If sheer variety matters most, XTB has the edge; if copy trading is on your checklist, XM Group may fit better.
| Feature |
XTB
|
XM Group
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 10900 | 1394 |
| 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.
Comparing XTB vs XM Group for trading platforms and tools: both brokers provide a free demo account for paper trading, web-based and Windows desktop platforms, and the ability to place trades directly from charts. XTB offers a proprietary, in-house platform, while XM Group does not. Instead, XM Group supports MetaTrader 4 (MT4) and MetaTrader 5 (MT5), which XTB does not. XM Group also offers copy trading; XTB does not.
For platform quality, ForexBrokers.com rates XTB at 4.5 stars and ranks it #9 out of 63 brokers for Trading Platforms and Tools, while XM Group earns 4 stars and ranks #27. Choose XTB if you want an in-house platform experience; pick XM Group if you prefer the MetaTrader 4/5 ecosystem and access to copy trading. Both brokers let you get started safely with a free demo account.
| 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 deliver mobile trading apps for iPhone and Android, and each supports price alerts, trendline drawing, and capable charting. XTB stands out for chart tools, offering 39 technical studies (indicators) compared with XM Group’s 30. Another plus for XTB is that your chart drawings auto-save, while XM Group does not auto-save drawings.
If syncing watchlists across devices matters, XM Group has the edge—its mobile watchlists sync with your online account; XTB’s do not. For overall quality, XTB earns 4.5 out of 5 stars and ranks #8 out of 63 brokers for Mobile Trading Apps, while XM Group scores 4 stars and ranks #26 out of 63. Choose XTB for deeper charting and auto-saved drawings, or XM Group if you want watchlists that stay in sync across platforms.
| 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 both deliver daily market commentary and stream forex news from top-tier sources like Bloomberg, Reuters, or Dow Jones. Each broker provides an economic calendar for global events and a sentiment tool that shows the ratio of long vs. short positions. In our research comparison, both earn 5 stars for research quality; however, ForexBrokers.com ranks XM Group slightly higher at #8 versus XTB at #9 out of 63 brokers.
The key difference is third-party research tools: XM Group adds Trading Central for technical and fundamental insights, while XTB does not. Neither broker integrates Autochartist, TipRanks, or Acuity Trading. If you want Trading Central’s signals and analytics, XM Group has the edge. If your focus is daily commentary, premium news feeds, and sentiment analysis, both XTB and XM Group are strong choices.
| 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.
XTB and XM Group are both strong picks for beginners who want clear, practical education on forex and CFDs. Each offers at least ten beginner-focused videos and runs client webinars every month, making it easy to learn step by step. When you’re ready to go further, both also provide ten or more advanced videos. Reflecting this breadth, both brokers earned a 5-star Education rating from ForexBrokers.com.
For a head-to-head comparison, XM Group holds the higher spot in ForexBrokers.com’s Education rankings, placing #5 out of 63 brokers, while XTB ranks #11. If a higher-ranked education hub is important to you, XM Group has the edge. If you simply want plenty of beginner videos and regular webinars to build confidence with forex and CFD trading, either broker is an excellent choice.
| 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 |
| 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 | 1 | |
| 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) | |||
| Israel (ISA Authorised) | No | No | |
| South Africa (FSCA Authorised) | Yes | Yes | |
| UAE (DFSA, FSRA, or SCA 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 | 1394 | |
| 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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