Scores, winners and data below compare these brokers as CFD/FX brokers (leveraged trading on forex, indices, commodities and crypto), using the data of XM's Cyprus entity and XTB's Cyprus entity. Scores, winners and data below compare these brokers as stock brokers (real shares and ETFs you own outright), using the data of XM's Cyprus entity and XTB's Cyprus entity.
XM
75.12% of retail investor accounts lose money when trading CFDs with this provider.
XTB
77% of retail investor accounts lose money when trading CFDs with this provider.
Best for
What we compare A comparison of the kinds of traders XM and XTB are best suited to, based on what each one actually offers in .XM is better than XTB for algo traders. XTB, on the other hand, is better for long-term investors and crypto traders. Scalpers, swing traders and news traders can choose either XM or XTB.
| Overall score | XM 79 not offered | XTB 77 -2 77 |
|---|---|---|
| Day trading i | ||
| Long-term investing i | ||
| Professional traders i | ||
| High-volume traders i | ||
| Scalpers i | ||
| Swing traders i | ||
| News traders i | ||
| Algo traders i | ||
| Stock traders i | ||
| Crypto traders i | ||
| Futures traders i | ||
| Options traders i |
Regulation
What we compare A comparison between the financial authorities that supervise XM and the ones that supervise XTB.XM and XTB are both regulated by top-tier authorities, XM by CySEC and XTB by CySEC, KNF and the FCA (United Kingdom).
| Section score | XM 90 -10 not offered | XTB 100 Best 100 |
|---|---|---|
| Tier-1 regulators | ||
| ESMA (European Union) i | CySEC (Cyprus) | CySEC (Cyprus) |
| FCA (United Kingdom) i | ||
| ASIC (Australia) i | ||
| CFTC (United States) i | ||
| NFA (United States) i | ||
| SEC (United States) i | ||
| CIRO (Canada) i | ||
| MAS (Singapore) i | ||
| SFC (Hong Kong) i | ||
| JFSA (Japan) i | ||
| FINMA (Switzerland) i | ||
| Tier-2 regulators | ||
| FMA (New Zealand) i | ||
| CBR (Russia) i | ||
| FSCA (South Africa) i | ||
| DFSA (Dubai) i | ||
| CSRC (China) i | ||
| ISA (Israel) i | ||
| LFSA (Malaysia) i | ||
| JSC (Jordan) i | ||
| CMA (Kenya) i | ||
| Tier-3 regulators | ||
| FSA (Seychelles) i | ||
| MMA (Maldives) i | ||
| SCB (Bahamas) i | ||
| FSC (Mauritius) i | ||
| VFSC (Vanuatu) i | ||
| FSC (Belize) i | ||
| CIMA (Cayman Islands) i | ||
| SV FSA (Saint Vincent and the Grenadines) i | ||
| FSRC (St. Kitts & Nevis) i | ||
| BMA (Bermuda) i | ||
| BVI FSC (British Virgin Islands) i | ||
| EDR (External Dispute Resolution) i | ||
Safety
What we compare A comparison of the tools and services that XM and XTB have in place to protect your money in .Both XM and XTB offer segregated client funds and an investor compensation scheme.
| Section score | XM 78 -8 not offered | XTB 86 Best 86 |
|---|---|---|
| Company info | ||
| Is it publicly traded i | ||
| Is it a bank i | ||
| Year founded i | 2009 | 2002 |
| Parent company i | Trading Point Holdings | XTB S.A. |
| CEO i | Tasos Anastasiou | Omar Arnaout |
| Money safety | ||
| Segregated client funds i | ||
| Two-factor authentication i | ||
| Investor compensation scheme i | ||
| Additional money insurance i | ||
| Partner bank i | N/A | N/A |
| Brand power | ||
| Number of customers worldwide i | 20,000,000 | 1,600,000 |
| Annual revenue i | USD 1,000,000,000 | USD 260,000,000 |
| Monthly website search traffic i | ||
Costs
What we compare A comparison of what it costs to trade with XM and with XTB in , both on each trade and on holding the account.XM is better than XTB for CFD/FX costs, given that XM is cheaper on EUR/USD, at 10 USD per lot (against XTB's 10.6 USD), and has tighter gold CFD spreads, at 0.3 points (against XTB's 0.89 points). Neither XM nor XTB charges account maintenance fees or deposit fees.
Only XTB can be assessed for real stock costs, since XM is a CFD broker and does not offer real stocks.
| Section score | XM 57 Best not offered | XTB 53 -4 82 |
|---|---|---|
| Broker fees | ||
| Deposit fees i | ||
| Withdrawal fees i | ||
| Overnight fees i | ||
| Inactivity fees i | ||
| Currency conversion fees i | ||
| Discounts on volume i | ||
| Real time market data fee i | ||
| Dividend withholding i | ||
| Account opening fees i | ||
| Account maintenance fee i | ||
| Portfolio management fee i | ||
| Fees on CFDs | ||
| Forex commission per lot i | USD 7 | Free |
| EUR/USD average standard spread i | ||
| EUR/USD average raw spread i | ||
| EUR/USD average fixed spread i | ||
| EUR/USD total cost per lot i | USD 10 | USD 10.6 |
| S&P 500 fees (CFD) i | 0.6 points | 0.59 points |
| Gold fees (CFD) i | 0.3 points | 0.89 points |
| Bitcoin fees (CFD) i | USD 205.25 | |
| US stocks fees (CFD) i | Free | Free |
| Fees on stocks | ||
| Stock fee type i | Spread | Free, Percentage |
| US stocks fees (real) i | Free | |
| ETF fees (real) i | Free | |
| Management costs i | ||
| Connection costs i | ||
| Fees on futures | ||
| Futures fees per contract i | ||
| Platform fees i | ||
| Fees on options | ||
| Options fees per contract i | Free | |
| Event fees i | ||
| Fees on savings plans | ||
| IRA opening fee i | ||
| IRA maintenance fee i | ||
| 401k opening fee i | ||
| 401k maintenance fee i | ||
Available markets
What we compare A comparison of the markets and products you can trade with XM and with XTB in , and of how many instruments each one gives access to.There is little between XM and XTB on CFD/FX markets. Both XM and XTB offer CFDs on commodities, ETFs, forex, indices and stocks. XTB goes a step further, as it offers CFDs on crypto, and gives access to 5,200 tradable symbols (against XM's 1,400).
XM does not offer real stocks, being a CFD broker, so XTB and XM cannot be compared for real stock markets.
| Section score | XM 75 not offered | XTB 75 30 |
|---|---|---|
| Total tradable symbols i | 1,400 | 5,200 |
| Currency pairs i | ||
| Indices i | ||
| Commodities i | ||
| Stocks i | ||
| ETF i | ||
| Cryptocurrencies i | ||
| Bonds i | ||
| Interest rates i | ||
| Portfolios i | ||
| CFDs i | Commodities, ETF, Forex, Indices, Stocks | Commodities, Crypto, ETF, Forex, Indices, Stocks |
| Futures i | ||
| Options i | ||
| Assets you can own i | ETF, Stocks |
Platform
What we compare A comparison of the trading platforms that XM and XTB make available to their clients in .XTB is better than XM for platforms, given that XTB offers a proprietary platform, which XM does not. XM and XTB both offer one-click trading and real-time pricing.
Only XTB can be assessed for platforms, since XM is a CFD broker and does not offer real stocks.
| Section score | XM 63 -12 not offered | XTB 75 Best 75 |
|---|---|---|
| Proprietary platform i | ||
| MetaTrader 4 i | ||
| MetaTrader 5 i | ||
| cTrader i | ||
| Social trading platform i | ||
| Copy trading platform i | ||
| ZuluTrade i | ||
| TradingView i | ||
| Duplitrade i | ||
| Mirror Trader i | ||
| NinjaTrader i | ||
| AutoChartist i | ||
| Real time pricing i | ||
| 5 digit pricing i | ||
| One-click trading i |
Mobile
What we compare A comparison of the mobile apps of XM and XTB in , and of what each one lets you do from your phone.XM is better than XTB for mobile trading, given that XM offers the MetaTrader 5 app, the MetaTrader 4 app and mobile charting tools, which XTB does not. XM and XTB both offer a proprietary mobile app and mobile price alerts.
XM does not offer real stocks, being a CFD broker, so XTB and XM cannot be compared for mobile trading.
| Section score | XM 86 Best not offered | XTB 67 -19 67 |
|---|---|---|
| Proprietary app i | ||
| Social trading app i | ||
| Copy trading app i | ||
| MetaTrader 4 app i | ||
| MetaTrader 5 app i | ||
| cTrader app i | ||
| Mobile trading signals i | ||
| Mobile alerts i | ||
| Mobile charting tools i | ||
| Mobile drawing tools i | ||
| Mobile watchlist i | ||
| Smartwatch app i |
Trading features
What we compare A comparison of the trading tools and strategies that XM and XTB allow on their platforms in .XM is better than XTB for CFD/FX trading features, since XM executes orders faster, within 66 ms (against XTB's 440 ms), offers tier-1 liquidity providers, which XTB does not, and allows for automated trading. XM and XTB both offer negative balance protection and trailing stops.
There is no like-for-like comparison for real stock trading features, as XM is a CFD broker and does not offer real stocks.
| Section score | XM 87 Best not offered | XTB 67 -20 76 |
|---|---|---|
| Trade execution | ||
| Broker type i | Agency | NDD |
| Average execution time i | 66 ms | 440 ms |
| Slippage occurrence i | 28.05% | |
| Requotes occurrence i | 0% | |
| Tier-1 liquidity providers i | ||
| PFOF i | ||
| Leverage | ||
| Major FX pairs leverage i | 30:1About this value. This is the major fx pairs leverage at Trading Point of Financial Instruments Ltd (CySEC). At XM's other companies: 400:1 (Kenya), 30:1 (the UAE), 1000:1 (other accepted countries, South Africa). | 30:1 |
| Minor/Exotic FX pairs leverage i | 20:1About this value. This is the minor/exotic fx pairs leverage at Trading Point of Financial Instruments Ltd (CySEC). At XM's other companies: 400:1 (Kenya), 20:1 (the UAE), 1000:1 (other accepted countries, South Africa). | 20:1 |
| Major indices leverage i | 20:1About this value. This is the major indices leverage at Trading Point of Financial Instruments Ltd (CySEC). At XM's other companies: 400:1 (Kenya), 20:1 (the UAE), 500:1 (other accepted countries, South Africa). | 20:1 |
| Minor indices leverage i | 10:1About this value. This is the minor indices leverage at Trading Point of Financial Instruments Ltd (CySEC). At XM's other companies: 250:1 (Kenya, other accepted countries, South Africa), 10:1 (the UAE). | 10:1 |
| Gold leverage i | 20:1About this value. This is the gold leverage at Trading Point of Financial Instruments Ltd (CySEC). At XM's other companies: 400:1 (Kenya), 20:1 (the UAE), 1000:1 (other accepted countries, South Africa). | 20:1 |
| Commodities leverage i | 10:1About this value. This is the commodities leverage at Trading Point of Financial Instruments Ltd (CySEC). At XM's other companies: 400:1 (Kenya, other accepted countries, South Africa), 10:1 (the UAE). | 10:1 |
| Equities leverage i | 5:1About this value. This is the equities leverage at Trading Point of Financial Instruments Ltd (CySEC). At XM's other companies: 20:1 (Kenya, other accepted countries, South Africa), 5:1 (the UAE). | 5:1 |
| Cryptocurrency leverage i | 2:1About this value. This is the cryptocurrency leverage at Trading Point of Financial Instruments Ltd (CySEC). At XM's other companies: 2:1 (the UAE), 1000:1 (other accepted countries, South Africa). | 2:1 |
| Risk management | ||
| Stop losses i | ||
| Take profits i | ||
| Limit orders i | ||
| Trailing stop i | ||
| Margin call i | ||
| OCO orders i | ||
| Guaranteed stop loss i | ||
| Negative balance protection i | ||
| Minimum trade size (FX) i | 0.01 lots | 0.01 lots |
| Minimum trade size (stocks) i | USD 0 | USD 0 |
| Fractional stocks i | ||
| Trading compliance | ||
| Scalping strategies allowed i | ||
| Hedging strategies allowed i | ||
| Automated trading strategy allowed i | ||
| EAs use allowed i | ||
| HFT strategy allowed i | ||
| VPS use allowed i | ||
| API use allowed i | ||
| Price scraping allowed i | ||
| FIFO rule applies i | ||
Account types
What we compare A comparison of the kinds of account you can open at XM and at XTB in , and of who each one is meant for.XM is better than XTB for CFD/FX account types, as XM offers a managed account, an Islamic account and a swap-free account, which XTB does not. XM and XTB both offer a demo account and a corporate account.
There is no like-for-like comparison for real stock account types, as XM is a CFD broker and does not offer real stocks.
| Section score | XM 64 Best not offered | XTB 47 -17 58 |
|---|---|---|
| Demo account i | ||
| Unlimited demo account i | ||
| Standard account i | ||
| Micro account i | ||
| Cent account i | ||
| Nano account i | ||
| Raw spread account i | ||
| ECN account i | ||
| Swap-free account i | ||
| Islamic account i | ||
| Professional traders account i | ||
| Fixed spread account i | ||
| Spread betting account i | ||
| Copy trading account i | ||
| Corporate account i | ||
| Managed account i | ||
| Stock investing account i | ||
| Margin investing account i | ||
| Savings account i | ||
| Retirement account i |
Account opening
What we compare A comparison of what it takes to open and fund an account with XM and with XTB in .XM is better than XTB for account opening, because XM offers 10 account base currencies (against XTB's 3), and pays out withdrawals faster, within 1 day (against XTB's 3 days). However, XTB does not require a minimum deposit at all (against XM's 5 USD).
XTB and XM cannot be set side by side for account opening, as XM is a CFD broker and does not offer real stocks, unlike XTB.
| Section score | XM 90 Best not offered | XTB 75 -15 75 |
|---|---|---|
| Minimum deposit i | USD 5 | USD 0 |
| Minimum withdrawal i | USD 5 | USD 0 |
| Wire transfers i | ||
| Credit cards i | ||
| Debit cards i | ||
| eWallets i | Neteller, Skrill | PayPal, SkrillAbout this value. This is the ewallets at XTB Limited (Cyprus) (CySEC). It is different at XTB's companies in the EU. |
| Local payment methods i | ||
| Account base currencies i | AUD, CHF, EUR, GBP, HUF, PLN, RUB, SGD, USD, ZAR | EUR, HUF, USDAbout this value. This is the account base currencies at XTB Limited (Cyprus) (CySEC). It is different at XTB's companies in the UK, the UAE and the EU. |
| Deposit waiting time i | Instant | Instant |
| Withdrawal waiting time i | up to 1 business days | up to 3 business days |
| Bonus program i |
Customer care
What we compare A comparison of the customer support of XM and XTB in , in how it can be reached and how fast it answers.XM is better than XTB for customer care, since XM offers customer support in 20 languages (against XTB's 10), has a website in 19 languages (against XTB's 14), and offers a dedicated account manager, which XTB does not. XM and XTB both offer phone support and live chat.
Only XTB can be assessed for customer care, since XM is a CFD broker and does not offer real stocks.
| Section score | XM 78 Best not offered | XTB 62 -16 62 |
|---|---|---|
| Number of languages supported i | 20 | 14 |
| Website languages i | Arabic, Czech, German, Greek, English, French, Hungarian, Indonesian, Italian, Korean, Malay, Polish, Portuguese, Russian, Spanish, Tagalog, Thai, Vietnamese, Chinese | Arabic, Czech, German, English, French, Hungarian, Italian, Polish, Portuguese, Romanian, Slovenian, Spanish, Turkish, Chinese |
| Website available in English i | ||
| Customer support languages i | Arabic, Czech, German, Greek, English, French, Hindi, Hungarian, Indonesian, Italian, Korean, Malay, Polish, Portuguese, Russian, Spanish, Tagalog, Thai, Vietnamese, Chinese | Arabic, Greek, English, French, Italian, Russian, Spanish, Thai, Turkish, Chinese |
| Customer support in English i | ||
| Call back request i | ||
| Email support i | ||
| Phone support i | ||
| Live chat i | ||
| Priority customer support i | ||
| Dedicated account manager i | ||
| Cash sweep i | ||
| Stock lending i | ||
| Distributes proceeds i | ||
| Tax withholding agent i | ||
| Tax assistance i |
Learning
What we compare A comparison of the educational material that XM and XTB provide to their clients in .XM and XTB are equally good for learning, as both offer education for advanced traders and webinars.
XTB and XM cannot be set side by side for learning, as XM is a CFD broker and does not offer real stocks, unlike XTB.
| Section score | XM 88 not offered | XTB 88 88 |
|---|---|---|
| Education | ||
| Education center i | ||
| Education for beginners i | ||
| Education for advanced traders i | ||
| Webinars i | ||
| Tutorials i | ||
| Glossary i | ||
| Research | ||
| Economic calendar i | ||
| Traders' sentiment i | ||
| Daily market commentary i | ||
| Daily trading ideas i | ||
| News via social media i | ||
| Professional reports i | ||
| Watchlist i | ||
XM vs XTB: which one should you choose?
XM
CFD/FX Choose XM if you want a CFD and forex broker for automated trading with MetaTrader platforms and copy trading.
Open Account 75.12% of retail investor accounts lose money when trading CFDs with this provider.
XTB
CFD/FX Choose XTB if you want an online CFD broker with a wide choice of markets and a proprietary trading platform.
Stocks Choose XTB if you want a broker for securities investing with commission-free US stocks and ETFs.
Open Account 77% of retail investor accounts lose money when trading CFDs with this provider.Other popular comparisons
Below are other head-to-head comparisons that include XM or XTB, each scored with the same data and method as this page.
