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 |
XTB edges XM Group on commissions and fees. XTB earns 4.5 stars and ranks #12 out of 63, while XM Group earns 4 stars and ranks #34. XTB’s pricing sits around the industry average (not the very lowest), whereas XM’s Standard account spreads are described as expensive, and XM does not publish average spreads for its commission-based XM Zero account—making direct cost comparisons harder.
With XTB, the spread-only Standard account is the primary option, as the commission-based Professional account is being phased out and reserved for elective professionals in the U.K. and Europe. In Q4 2023, XTB’s average EUR/USD spread was 1 pip. Minimum deposits start at 250 in your base currency. At higher trading volumes, XTB’s Standard and Professional pricing are similar; for smaller trade sizes, the Standard account tends to be cheaper. Active traders—and those in the EU who qualify as elective professionals—can access XTB’s Lower Spread Group, which rebates 5% to 30% of the spread based on monthly volume tiers from 20 up to 1,000 lots.
XM Group’s Standard account spreads are pricey by comparison, and because XM doesn’t publish average spreads for XM Zero, transparency for cost-conscious traders is limited. If you value clear, published averages and the potential for spread rebates at higher volumes, XTB’s structure may be more appealing, while XM’s pricing details are less accessible for apples-to-apples analysis.
| Feature |
XTB
|
XM Group
|
|---|---|---|
| Minimum Deposit | $0 | $5 |
| Average spread (EUR/USD) - Standard account | 1.00 | 1.6 |
| All-in Cost EUR/USD - Active | 1.00 | 0.8 |
| 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, with 7,184 tradeable symbols versus XM Group’s 1,394. XTB also has more forex pairs (71 vs. 55). Both brokers support forex trading (CFD or spot), and both let you buy real, exchange-traded stocks on U.S. markets as well as on international exchanges.
XM Group includes copy trading, while XTB does not. Neither broker offers actual cryptocurrency, but both provide crypto CFDs. For Range of Investments, ForexBrokers.com rates XTB at 5 stars (ranked 15th of 63) and XM Group at 4.5 stars (ranked 25th).
| Feature |
XTB
|
XM Group
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 7184 | 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.
XTB and XM Group both offer free demo accounts, web platforms, and Windows desktop platforms, plus the ability to trade directly from charts. The key differences show up in platform choice and extras: XTB provides a proprietary, in-house platform, while XM Group does not. XM Group supports copy trading and offers MetaTrader 4 (MT4) and MetaTrader 5 (MT5), which are not available at XTB. If you want MetaTrader and copy trading, XM Group has the edge; if you prefer a broker-built platform, XTB stands out.
For trading platforms and tools, ForexBrokers.com rates XTB at 4.5 stars and ranks it 9th out of 63 brokers, while XM Group earns 4 stars and ranks 33rd. In short, XTB vs. XM Group comes down to platform preferences: XTB favors an in-house experience, and XM Group focuses on MetaTrader and copy trading. Both let you test-drive with a demo account before committing.
| 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, so you can trade on the go regardless of your device. Each app supports stock and forex price alerts and lets you draw trendlines on charts. For charting depth, XTB includes 39 technical studies versus 30 with XM Group. Another helpful difference: XTB auto-saves your chart drawings, while XM Group does not.
If syncing matters, XM Group stands out by syncing watchlists between the mobile app and your online account, whereas XTB does not. According to ForexBrokers.com, XTB earned 4.5 out of 5 stars and ranked #8 out of 63 brokers for mobile apps, while XM Group received 4 stars and ranked #31. Traders who want more built-in indicators and auto-saved drawings may lean toward XTB, while those who value cross-device watchlist syncing may prefer XM Group.
| 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.
Both XTB and XM Group provide valuable market research tools for traders, including daily market commentary and forex news from well-known sources like Bloomberg and Reuters. While neither broker offers tools from Autochartist or research from TipRanks and Acuity Trading, they both include sentiment-based trading tools and comprehensive economic calendars. These resources help users stay informed on market trends and global economic events, making both brokers appealing choices for market analysis.
Despite their similar offerings, XM Group features research tools from Trading Central, which is not available through XTB. In terms of research ratings, XTB earns a perfect five stars and holds the number seven spot in ForexBrokers.com's rankings, just one above XM Group, which also boasts a five-star rating and ranks eighth. This close competition highlights both brokers as strong contenders for providing high-quality research services to traders.
| 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.
Both XTB and XM Group give beginners a full learning path for forex and CFDs. Each offers a library that easily clears 10+ pieces of content, including beginner-focused video lessons, plus live client webinars at least once a month. You’ll also find 10+ advanced videos at both brokers for when you’re ready to move beyond the basics, alongside articles and recorded sessions that help you learn at your own pace.
For education quality, both earn 5 stars. In ForexBrokers.com’s Education rankings out of 63 brokers, XM Group sits higher at #7, while XTB is #11. If you want a slightly higher-ranked learning hub, XM gets the edge; if you prefer a comparable mix of beginner and advanced materials with regular webinars, XTB is a strong alternative.
| 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 #17.
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 (SFC 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) | 7184 | 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 | 1.00 | 1.6 | |
| All-in Cost EUR/USD - Active | 1.00 | 0.8 | |
| 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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