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XM vs XTB
A field-by-field comparison based on the current BrokaBoy catalogue. Check current pricing and the regulated entity on each broker's website before deciding.
Last updated: 4 October 2026 · Reviewed by BrokaBoy Research Team
| Field | XM | XTB |
|---|---|---|
| BrokaBoy score | 8.0/10 | 8.1/10 |
| Trustpilot rating | Trustpilot 2.1 (3,130 reviews) | Trustpilot 3.6 (2,819 reviews) |
| Listed minimum deposit | $5 | $0 |
| Advertised spread from | 0.6 | 0.5 pips |
| Advertised maximum leverage | 1:1000 (equity dependent) | 1:500 |
| Regulators | CySEC, ASIC, IFSC, DFSA | FCA, CySEC, KNF, IFSC, DFSA |
| Platforms | MetaTrader 4, MetaTrader 5 | xStation 5, xStation Mobile |
| Instruments | Forex, CFDs, Stocks, Commodities, Crypto | Forex, Stocks, ETFs, Crypto, CFDs |
| Account types | Standard, Ultra Low, Shares | Standard, Islamic |
| Founded | 2009 | 2002 |
| Spread type | Spreads from 0.6 pips on Standard, tighter on Ultra Low; Micro accounts share Standard pricing. | Variable spreads from 0.5 pips on Standard accounts. |
| Commission | No commission on Micro, Standard or Ultra Low accounts. | Commission-free on FX and indices CFDs; equity CFDs carry a percentage commission with a minimum. |
| Overnight / swap | Standard nightly swap; Islamic accounts available swap-free. | Daily swap points on positions held past rollover. |
| Withdrawals | XM covers withdrawal fees on most methods; inactivity fee applies after 90 days idle. | Free withdrawals above a set threshold; smaller withdrawals attract a handling fee. Inactivity fee after 12 months idle. |
Key differences
- XTB has a lower listed minimum deposit ($0 vs $5).
- XTB has the higher BrokaBoy score (8.1/10 vs 8.0/10).
- Both brokers hold licences with CySEC, IFSC, DFSA.
- Only XM lists MetaTrader 4, MetaTrader 5 among its platforms.
- Only XTB lists xStation 5, xStation Mobile among its platforms.
- Only XM lists Commodities among its instruments.
- Only XTB lists ETFs among its instruments.
Which should you choose?
- Choose XTB if a lower listed opening deposit is your priority.
- Choose XM if access to Commodities is essential, and confirm it is available under your entity.
- Choose XTB if access to ETFs is essential, and confirm it is available under your entity.
- Choose the broker whose regulated entity covers your country and provides the protections you need; confirm this on the regulator's register.
Frequently asked questions
Which has the lower minimum deposit, XM or XTB?+
XTB has the lower listed minimum deposit ($0 vs $5). Confirm current terms with each broker.
Are XM and XTB regulated by the same authorities?+
They share CySEC, IFSC, DFSA. XM lists CySEC, ASIC, IFSC, DFSA; XTB lists FCA, CySEC, KNF, IFSC, DFSA in our catalogue.
Which has the higher BrokaBoy score?+
XTB scores 8.1/10 against 8.0/10. The score is calculated from advertised catalogue data and excludes Trustpilot ratings.
Do XM and XTB support the same platforms?+
No platform is listed by both brokers in our catalogue.
