XM vs XTB
Head-to-head comparison of fees, platforms, regulation, and trading conditions to help you choose the right EU broker in 2026.
CFD risk warning: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74-89% of retail investor accounts lose money when trading CFDs.
Quick Verdict
XTB scores higher overall at 8.8/10 vs 8.7/10.
Score Comparison
Trading Conditions
| Condition | XM | XTB |
|---|---|---|
| Min Deposit | $5 | None |
| EUR/USD Spread | 0.6 pips (Ultra Low), 1.6 pips (Standard) | From 0.1 pips |
| Commission | None | None (spread-only on Standard) / commission on Pro |
| Leverage (Retail) | 30:1 | 30:1 |
| Leverage (Pro) | 500:1 | 200:1 |
| Swap-Free | Yes | Yes |
| Withdrawal Fee | Free | Free (above minimum threshold) |
Platform Comparison
XM Platforms
- MetaTrader 4
- MetaTrader 5
- XM App
Micro, Standard, Ultra Low, Shares
XTB Platforms
- xStation 5
- xStation Mobile
Standard, Pro, Swap-Free
Regulation & Safety
XM Regulation
CySEC
ASIC
IFSCICF up to EUR 20,000
XTB Regulation
KNF
FCAKDPW up to EUR 20,100 / ICF up to EUR 20,000
Overall Verdict
XTB takes the overall win with a score of 8.8 vs 8.7, winning 4 out of 7 individual categories compared to XM's 2.
In terms of costs, XTB also leads on fees. On the regulatory front, XTB and offers stronger regulatory protection.
Choose XTB if you prioritise its strengths in the categories where it leads. Choose XM if you value the specific areas where it scores higher, such as support and education.
CFD Risk Warning
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 74-89% 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.
This website is for informational purposes only. The content does not constitute investment advice. Trading leveraged products carries a high level of risk and may not be suitable for all investors. Past performance is not indicative of future results. EU retail leverage limits apply (ESMA): up to 30:1 on major FX pairs, 20:1 on minor FX, 20:1 on major indices, 10:1 on commodities, 5:1 on equities, 2:1 on crypto.