The verdict
XTB edges it overall with a Clarity Score of 86 vs 78, helped by stronger regulation & safety. But XM can still be the better fit.
Full comparison
| Metric | XM | XTB |
|---|---|---|
| Clarity Score | 78 | 86 |
| Risk level | Higher risk | Medium risk |
| Regulators | ASIC, CySEC, DFSA, FSC, CMA | FCA, KNF, CySEC, DFSA, CMF, FSC |
| Segregated funds | Yes | Yes |
| All-in cost | $$$·· | $$··· |
| Min deposit | $5 | $0 |
| Starting spread (not an average) | from 1.6 pips | from 0.5 pips |
| Max leverage (intl.) | 1000:1 | 30:1 |
| Withdrawal speed | 1–2 days | Same–next day |
| Demo account | Yes | Yes |
| Copy trading | Yes — confirm account eligibility | No |
| Platforms | MT4, MT5, Web, iOS, Android | xStation 5, Web, iOS, Android |
Highlighted cells indicate the stronger value on that metric. Figures are reviewed regularly — verify current terms before depositing.
Pick XM if you want…
- a solid all-round option for your needs
Pick XTB if you want…
- stronger regulation & safety
- lower all-in cost
- a higher-rated app
- stronger advanced tools
- faster withdrawals
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Common questions
Is XM or XTB better?
XTB edges it overall with a Clarity Score of 86 vs 78, helped by stronger regulation & safety. But XM can still be the better fit.
Which is cheaper, XM or XTB?
On all-in cost, XTB is cheaper (cost index 2/5 vs 3/5). Compare the full fee breakdown on each review.
Which is better regulated?
XTB scores higher on our regulation & safety criterion. XM: ASIC, CySEC, DFSA, FSC, CMA. XTB: FCA, KNF, CySEC, DFSA, CMF, FSC.
Related head-to-heads
Capital at risk. Most retail CFD accounts lose money. Trade only with money you can afford to lose.