XM vs XTB Comparison: Which Is Better for Traders?
We test brokers on real accounts using our own methodology, evaluating the quality of order execution, trading conditions, platforms and customer support.
Who is better - XM or XTB?
Our pick: XM
Based on multiple factors - spreads and fees, available assets and instruments, execution quality, platform usability, support level, and educational resources - XM looks preferable to XTB.
XM scored 4.7/5 and ranks 2 in our all Forex brokers list, whereas XTB has 4.2/5 and ranks 31.
This is not financial advice. See the full comparison below.
Who is XM suitable for?
Broker XM is suitable for both novice traders, thanks to educational materials, and experienced traders who value a variety of instruments.
Who is XTB suitable for?
XTB suits experienced traders looking for a reliable broker with a wide selection of instruments and high-quality analytics.
Comparison Table of XM and XTB
| Broker | XM | XTB |
|---|---|---|
| Rating | 4.7/5 | 4.2/5 |
| Foundation Year | 2009 | 2001 |
| Regulated in Countries | Belize, Cyprus, Australia, South Africa, United Arab Emirates, Mauritius, Seychelles | Belize, Poland, United Kingdom, Spain, United Arab Emirates, Germany |
| Minimum Deposit |
|
|
| Spread | from 0 points | from 0.5 points |
| Max Leverage | 1:1000 | 1:500 |
| Trading Assets (CFDs) |
|
|
| Trading Platforms |
|
|
| Review | XM Review | XTB Review |
XM Review
XM broker offers a wide range of services, making it an attractive option for various traders. With over 1500 trading instruments, extensive educational resources, and numerous trading platforms, XM is ideally suited for beginners and experienced traders. Novice traders will particularly appreciate the accessible educational materials and low entry threshold, while professionals will find the competitive spreads and diversity of instruments appealing.
Pros and Cons of XM
Pros
- Wide range of trading assets.
- Extensive educational resources.
- Tight spreads on the Ultra Low account.
- Many analytical materials.
- Commission-free deposits and withdrawals.
Cons
- Inactivity fee.
- Standard account has a higher spread than the market average.
XM is in the top 10 of the following ratings:
XTB Review
XTB is a highly regulated broker with licenses from leading bodies such as the FCA, reinforcing its reliability and transparency. This broker offers a wide range of trading products, including currencies, indices, commodities, stocks, and cryptocurrencies, making it a flexible choice for traders of different levels and interests. Various deposit options and advanced analytical support further enhance its appeal against competitors.
XTB suits traders who value regulation and security, those looking for various trading tools, and those who want access to extensive analytical resources. The broker will especially suit active traders who maximize low spreads and product diversity.
Pros and Cons of XTB
Pros
- Regulated by several leading financial authorities.
- Variety of methods to deposit funds.
- Wide range of trading assets.
- Extensive analytical tools and resources.
Cons
- Withdrawal methods are limited.
- Lack of educational materials.
Reliability
| Broker | XM | XTB |
|---|---|---|
| Reliability | 5/5 | 5/5 |
| Foundation Year | 2009 | 2001 |
| Regulated in Countries | Belize, Cyprus, Australia, South Africa, United Arab Emirates, Mauritius, Seychelles | Belize, Poland, United Kingdom, Spain, United Arab Emirates, Germany |
| Regulators |
XM
XM is a reliable and well-regulated broker with licenses in key jurisdictions. Segregated accounts, negative balance protection, and a compensation fund make it a safe choice for traders.
Pros
- Licenses from ASIC, CySEC, DFSA, and other regulators
- Segregation of client funds
- Negative balance protection and compensation scheme
XTB
XTB is quite reliable, considering regulation in several authoritative jurisdictions.
Account Opening
| Broker | XM | XTB |
|---|---|---|
| Account Opening | 5/5 | 4.5/5 |
| Minimum Deposit |
|
|
XM
Opening an account with XM is fast and convenient: registration takes only a few minutes, the interface is intuitive, and document requirements are standard.
Pros
- Fast online registration
- Clear and straightforward KYC process
- Ability to open demo and additional accounts
XTB
The account opening process at XTB is simple and clear, but takes some time.
Pros
- Easy registration and data verification.
- Flexibility regarding the minimum deposit.
- Adherence to KYC and AML standards.
Cons
- Verification can take time.
- Need to provide a large volume of personal data.
Account Types
| Broker | XM | XTB |
|---|---|---|
| Account Types | 4.5/5 | 3.5/5 |
| Trading Accounts |
|
|
| Minimum Deposit |
|
|
| Spread | from 0 points | from 0.5 points |
| Max Leverage | 1:1000 | 1:500 |
| Trading Assets (CFDs) |
|
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| Trading Platforms |
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| Demo Account | ||
| Swap-free Account |
XM
XM broker offers various account types to satisfy the needs of different traders, from beginners to professionals.
Pros
- A wide choice of accounts for different experience levels
- Flexible trading conditions (leverage, deposit)
- Specialized accounts for stock trading
Cons
- No ECN or STP accounts
XTB
XTB’s account types cover the core needs of most traders and investors: a Standard and Swap-Free account for CFD trading plus a separate investment account for real stocks and ETFs, though the overall choice is less diverse than some rivals.
Pros
- Simple lineup: Standard, Swap-Free and Investment account.
- Access to real stocks and ETFs with one broker.
- Unified xStation platform for trading and investing.
Cons
- Fewer account types than some competitors.
- No specialized “pro” accounts for niche strategies.
Commissions
| Broker | XM | XTB |
|---|---|---|
| Commissions | 4/5 | 3.5/5 |
| Spread | from 0 points | from 0.5 points |
| Average Spread (EURUSD) | 1.7 | 1.4 |
| Commission per Lot |
XM
XM’s fees can be considered competitive: the Ultra Low account offers reduced spreads, while the absence of deposit and withdrawal fees lowers overall costs. With active trading, the conditions are attractive.
Pros
- Reduced spreads on the Ultra Low account
- No deposit or withdrawal fees
- Ability to lower costs through rebates
Cons
- Above-average spreads on the Standard account
- Inactivity fee applies
XTB
XTB offers an average level of commissions.
Pros
- Cashback system helps to offset some of the commissions.
Cons
- Fee for account inactivity.
Deposit and Withdrawal
| Broker | XM | XTB |
|---|---|---|
| Rating | 4.5/5 | 4/5 |
| Account Funding Methods |
|
|
XM
The broker offers convenient deposit and withdrawal methods with zero commission but lacks cryptocurrency support.
Pros
- Zero commission for deposits and withdrawals
- A minimum limit of only 5 dollars
- Quick processing of withdrawal requests
Cons
- No cryptocurrency deposit/withdrawal options
XTB
XTB provides convenient methods for depositing funds without a commission, but has limited withdrawal options.
Pros
- Wide selection of deposit methods.
- No commission for depositing funds.
- No commission for withdrawals over $50.
Cons
- The only available withdrawal method is bank transfer.
- Commission of $30 for withdrawals less than $50.
Markets and Products
| Broker | XM | XTB |
|---|---|---|
| Markets and Products | 5/5 | 5/5 |
| Forex | 55 | 57 |
| Precious Metals | 3 | 9 |
| Energy Carriers | 3 | 5 |
| Soft Commodities | 8 | 10 |
| Indices | 50 | 35 |
| Stocks | 1307 | 1997 |
| Cryptocurrency | 58 | 41 |
| ETF | - | 177 |
| Bonds | - | 3 |
XM
The broker offers a wide range of markets and products, including over 1500 items.
Pros
- A large selection of currency pairs
- Access to CFDs on various assets
- The ability to trade cryptocurrencies
XTB
XTB offers an extensive range of markets and products for trading, including currency pairs, indices, commodities, stocks, ETFs, and cryptocurrencies.
Trading Platforms
| Broker | XM | XTB |
|---|---|---|
| Rating | 4.5/5 | 4.2/5 |
| Trading Platforms |
|
|
XM
XM offers various versions of MT4 and MT5 platforms, providing flexibility in trading.
Pros
- Availability on various devices (PC, Mac, mobile)
- MultiTerminal for managing multiple accounts
- WebTrader for browser-based trading
Cons
- No alternatives to MetaTrader
XTB
XTB offers its functional and user-friendly trading platform xStation 5, well-suited for market analysis.
Pros
- A multitude of analytical tools.
- Customizable terminal interface.
- Android mobile app available.
Cons
- Lack of choice between different trading platforms.
- No platform version for iOS devices.
- No desktop version of the platform.
Analytics
| Broker | XM | XTB |
|---|---|---|
| Rating | 5/5 | 5/5 |
XM
XM’s analytics are well structured and deeply integrated into the platform. Trading Central, market sentiment tools, calendars, and calculators make them useful for both active trading and careful pre-trade analysis.
Pros
- Trading Central integration and XM in-house analysis
- Economic calendar, corporate events, and calculators
- Clear market sentiment tools
XTB
XTB offers superior analytics with a rich set of tools available to all users, making them one of the leaders in this area.
Pros
- In-depth analytics, including forecasts from experts and news.
- A wide range of analysis tools, including an economic calendar and trading schedules.
- Analytics available to all users, not only company clients.
Education
| Broker | XM | XTB |
|---|---|---|
| Rating | 5/5 | 3/5 |
XM
XM's educational materials are extensive and varied, suitable for all experience levels.
Pros
- A wide range of materials: webinars, videos, seminars
- Available in different languages
- Daily online sessions with experts
XTB
XTB's educational materials are limited.
Pros
- Basic trading information is provided.
Cons
- Lack of webinars and detailed video tutorials.
- Not suitable for beginners seeking comprehensive education.
Customer Support
| Broker | XM | XTB |
|---|---|---|
| Rating | 5/5 | 4.5/5 |
| Email Support |
|
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| Hotline Phones |
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| Social Media | — |
Twitter
YouTube
LinkedIn
Facebook
InstagramXM
XM’s customer support operates reliably 24/7, offering multiple contact channels and multilingual assistance. Most issues are resolved quickly and professionally, which supports the broker’s high service rating.
Pros
- 24/7 support via chat, email, phone, and messengers
- Multilingual assistance
- Strong knowledge of products and procedures
XTB
XTB's technical support is generally good, available 24/5.
Pros
- Operates 24/5.
- Contact options include phone and email.
- Responses to inquiries are received within a reasonable timeframe.
Cons
- Lack of messaging channels for communication.
Comparisons of XM and XTB with other brokers
Conclusion
XM stands out as the better overall pick, while XTB trails on aggregate criteria.
XM scored 4.7/5 and ranks 2 in our rating; XTB has 4.2/5 and ranks 31.
We explain the reasons above in detail — fees, platforms, reliability, support, and more.
FAQ
Which broker is better: XM or XTB?
XM comes out ahead by overall rank (score 4.7/5, position 2) versus XTB (score 4.2/5, position 31).
Which broker is better for beginners: XM or XTB?
XM is often a smoother start thanks to simpler onboarding and stronger baseline metrics. Still, your tools and budget should drive the final choice.
Who has lower typical trading costs (spreads/commissions) — XM or XTB?
It depends on the instrument and account type. Compare the live conditions in the “Commissions” section on this page — we break down the nuances category by category.
What trading platforms are available with XM and XTB?
XM: MetaTrader 5, MetaTrader 4, WebTrader. XTB: xStation. See the “Platforms” section for details and selection tips.
What markets can you trade with XM and XTB?
XM: Forex, Precious Metals, Energy Carriers, Soft Commodities, Indices, Stocks, Cryptocurrency. XTB: Forex, Precious Metals, Energy Carriers, Soft Commodities, Indices, Stocks, ETF, Bonds, Cryptocurrency. Full lists and differences are in the “Markets” section.
What account types are offered by XM and XTB?
XM: Standard, Micro, XM Ultra Low, Shares. XTB: Standard, Swap Free. See “Account Types” for a side-by-side comparison.
What deposit and withdrawal methods are supported by XM and XTB?
XM: Neteller, Skrill, SticPay, Swift, Visa, Mastercard. XTB: Neteller, Skrill, PaySafeCard, Bank Transfer, Visa, Mastercard, Maestro. Check method-specific fees/settlement times.
Which broker is safer — XM or XTB — and how was this assessed?
We consider regulation, corporate transparency, fund protection, and incident history. See the “Reliability” section for our findings.
