Compare

XM vs XTB

Side-by-side broker intelligence across regulation, spreads, fees, platforms, and overall model score. Category winners use transparent heuristics and should be treated as editorial guidance, not investment advice.

XM rating

4.5

XTB rating

4.1

Score gap

6 pts

Matchup

Head to head

Winners by category

Pricing & spreads

XM leads— Edge for XM (87.6 vs 83.8).

Regulation breadth

XM leads— Edge for XM (73.0 vs 70.0).

User experience

XM leads— Edge for XM (70.3 vs 65.8).

Editorial composite

XM leads— Edge for XM (99.5 vs 92.3).

Full comparison table

Rating

4.5

XTB

4.1

Model score

XTB

Regulation

ASIC (Australia), CySEC (Cyprus), DFSA (Dubai), FSC (Belize)

XTB

Highly trusted. Regulated by Tier-1 and Tier-2 authorities including the FCA (UK), CySEC (Cyprus), KNF (Poland), and the FSC (Belize) for international clients requiring higher leverage.

Spreads

Spreads start from 0.6 pips on XM Ultra Low accounts. 99.35% of orders executed in under 1 second with no requotes or order rejections.

XTB

Execution on xStation 5 is exceptionally fast. Because XTB acts as the principal market maker for standard accounts, you benefit from rapid execution without requotes, though raw ECN spreads are not available.

Fees

XM Ultra Low Account: Spread-only pricing from 0.6 pips with zero commissions. Standard & Micro Accounts: Spreads start from 1.0 pips with no commission. Shares Account: Commission-based equity trading.

XTB

XTB relies on a spread-only model for its standard forex accounts, meaning zero commissions on FX trades. Spreads are highly competitive, averaging around 0.9 pips on EUR/USD. They also offer commission-free stock CFD trading (up to €100k monthly volume).

Platforms

MetaTrader 4 (MT4), MetaTrader 5 (MT5), XM App

XTB

xStation 5 (Web and Desktop) and xStation Mobile. (Note: MetaTrader is completely phased out for new accounts).

Account types

Micro, Standard, XM Ultra Low, Shares Account, Swap-Free (Islamic), Demo

XTB

Standard Account (Spread-only). An Islamic (Swap-Free) Account is available for clients in specific regions.

Min deposit

XTB

$0 (There is no minimum deposit required to open an account or start trading).

Topic	XM	XTB
Rating	4.5	4.1
Model score	86	80
Regulation	ASIC (Australia), CySEC (Cyprus), DFSA (Dubai), FSC (Belize)	Highly trusted. Regulated by Tier-1 and Tier-2 authorities including the FCA (UK), CySEC (Cyprus), KNF (Poland), and the FSC (Belize) for international clients requiring higher leverage.
Spreads	Spreads start from 0.6 pips on XM Ultra Low accounts. 99.35% of orders executed in under 1 second with no requotes or order rejections.	Execution on xStation 5 is exceptionally fast. Because XTB acts as the principal market maker for standard accounts, you benefit from rapid execution without requotes, though raw ECN spreads are not available.
Fees	XM Ultra Low Account: Spread-only pricing from 0.6 pips with zero commissions. Standard & Micro Accounts: Spreads start from 1.0 pips with no commission. Shares Account: Commission-based equity trading.	XTB relies on a spread-only model for its standard forex accounts, meaning zero commissions on FX trades. Spreads are highly competitive, averaging around 0.9 pips on EUR/USD. They also offer commission-free stock CFD trading (up to €100k monthly volume).
Platforms	MetaTrader 4 (MT4), MetaTrader 5 (MT5), XM App	xStation 5 (Web and Desktop) and xStation Mobile. (Note: MetaTrader is completely phased out for new accounts).
Account types	Micro, Standard, XM Ultra Low, Shares Account, Swap-Free (Islamic), Demo	Standard Account (Spread-only). An Islamic (Swap-Free) Account is available for clients in specific regions.
Min deposit	$5	$0 (There is no minimum deposit required to open an account or start trading).