XM Group vs XTB
Can't decide between XM Group and XTB? We've put both brokers head-to-head. Compare their spreads, regulation, platforms, and fees below.
Last updated: May 10, 2026
Executive Summary
XM Group and XTB are both well-established forex brokers, but they serve different types of traders. XM Group scores 91/100 in our TrustMetrics™ system, while XTB leads with 95/100.
On pricing, XM Group offers tighter EUR/USD spreads (0.8 pips vs 0.9 pips). XM Group supports MT4, MT5, XM App while XTB offers xStation 5, xStation Mobile, giving XM Group an edge in platform diversity.
For regulation, XM Group holds licenses from CySEC, ASIC, DFSA, FSC while XTB is regulated by FCA, KNF, CySEC, FSC. Both brokers offer segregated client funds and are considered safe for retail trading.
The Verdicts
Most Trusted
XTB scores higher in our TrustMetrics system (95/100) compared to XM Group (91/100), making it the safer choice.
Lowest Spreads
XM Group offers better pricing with an average EUR/USD spread of 0.8 pips, beating the 0.9 pip average of its competitor.
Best for Beginners
With a lower minimum deposit requirement of $0, XTB is the more accessible option for new traders.
Detailed Comparison
| Feature | XM Group | XTB |
|---|---|---|
| Trust Score | 91/100 | 95/100 |
| Spreads From | 0.6 pips | 0.5 pips |
| Avg EUR/USD Spread | 0.8 pips | 0.9 pips |
| Commission | $0 | $0 |
| Execution Speed | 35ms | 40ms |
| Max Leverage | 1:1000 | 1:500 |
| Minimum Deposit | $5 | $0 |
| Instruments | 1,000+ | 5,800+ |
| Account Types | Micro, Standard, Ultra Low | Standard |
| Platforms | MT4, MT5, XM App | xStation 5, xStation Mobile |
| Top Regulators | CySEC, ASIC, DFSA, FSC | FCA, KNF, CySEC, FSC |
| Withdrawal Speed | 1-3 business days | 1 business day |
| Inactivity Fee | $5 per month (after 90 days of inactivity) | €10 per month (after 12 months) |
| Customer Support | 24/5 Live Chat, Email, Phone | 24/5 Live Chat, Email, Phone, Dedicated Account Manager |
Which Broker Should You Choose?
XChoose XM Group if...
- ✓You want to start with a very low minimum deposit
- ✓You are a beginner and value education and simplicity
- ✓You value beginners and education
XChoose XTB if...
- ✓You want to start with a very low minimum deposit
- ✓You need access to a massive range of instruments
- ✓You are a beginner and value education and simplicity
- ✓Maximum regulatory protection is your top priority
XM Group Pros & Cons
Pros
- ✓ Industry-leading education with 50+ live webinars per week
- ✓ Extremely low $5 minimum deposit across all accounts
- ✓ Micro accounts allow trading with 10-cent risk
- ✓ Excellent localized payment methods for emerging markets
- ✓ 100% execution rate with no requotes or rejections
Cons
- × Spreads are wider than true ECN competitors (0.8 pip EUR/USD avg)
- × No cTrader or TradingView platforms
- × Inactivity fee of $5/month after 90 days of no trading
XTB Pros & Cons
Pros
- ✓ xStation 5 is arguably the best proprietary web platform in the industry
- ✓ 0% commission on real stocks and ETFs (up to €100k/month)
- ✓ Publicly traded company with complete financial transparency
- ✓ Every client gets a dedicated account manager
Cons
- × No MetaTrader 4 or 5 available (xStation only)
- × Forex spreads are slightly wider than raw ECN competitors
- × Crypto trading carries relatively high spreads
The Bottom Line: XM Group vs XTB
- ✓ Beginners
- ✓ Education
- ✓ Low Minimum Deposit
- ✓ Micro Lot Trading
- ✓ Tighter EUR/USD spreads (0.8 pips)
- ✓ xStation Platform
- ✓ Stock Investing
- ✓ European Traders
- ✓ Beginners
- ✓ No minimum deposit
Both brokers are featured in our top broker rankings. Your choice should depend on your specific trading style, preferred platform, and geographical location.
Frequently Asked Questions
Which is safer: XM Group or XTB?
XTB scores higher in our TrustMetrics system (95/100) compared to XM Group (91/100), making it the safer choice.
Who has lower spreads: XM Group or XTB?
XM Group offers better pricing with an average EUR/USD spread of 0.8 pips, beating the 0.9 pip average of its competitor.
Which has a lower minimum deposit: XM Group or XTB?
With a lower minimum deposit requirement of $0, XTB is the more accessible option for new traders.
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