XM vs FXTM 2026
Both are regulated. The right choice depends on your trading style.
XM suits traders who value lower minimum deposit ($5 vs $10), more instruments (1,400 vs 1,000). FXTM suits traders who prioritise tighter spreads, copy trading.
Head to head
| XM | FXTM | |
|---|---|---|
| Primary regulator | CySEC 120/10 | CySEC 185/12 |
| Regulation tier | tier-1 | tier-1 |
| Min deposit | $5 | $10 |
| EUR/USD spread | 0.6 pips | 0.1 pips |
| Instruments | 1,400+ | 1,000+ |
| MetaTrader | Yes (MT4+MT5) | Yes (MT4+MT5) |
| Copy trading | No | Yes |
| Real stocks | No — CFDs only | No — CFDs only |
| Inactivity fee | $15/mo after 3mo | $5/mo after 6mo |
| Founded | 2009 | 2011 |
| Headquarters | Limassol, Cyprus | Limassol, Cyprus |
Regulation: XM vs FXTM
XM is regulated by CySEC under licence 120/10 (Trading Point of Financial Instruments Ltd). The CySEC is a tier-1 regulator. Client funds are held in segregated accounts and negative balance protection applies.
FXTM is regulated by CySEC under licence 185/12 (Forextime Ltd). The CySEC is a tier-1 regulator. Client funds are held in segregated accounts and negative balance protection applies.
Both brokers are regulated by tier-1 authorities. Neither has a significant regulatory advantage over the other.
Spreads and fees
XM's EUR/USD spread is 0.6 pips. FXTM's EUR/USD spread is 0.1 pips. FXTM offers tighter spreads on this pair.
XM charges an inactivity fee of $15/month after 3 months without trading. FXTM charges an inactivity fee of $5/month after 6 months.
Platforms and tools
Both XM and FXTM support MetaTrader 4 and 5, so algorithmic traders and EA users can use either.
FXTM offers copy trading, XM does not.
Minimum deposit
XM requires a minimum deposit of $5. FXTM requires $10. XM has the lower barrier to entry. Traders who want to start with less capital should consider XM.
Note that minimum deposits can vary by account type and by which regulatory entity serves your country. Some offshore entities allow lower deposits than the tier-1 entity.
Which is better for beginners?
FXTM is generally better for beginners because it offers copy trading. XM also has the lower minimum deposit of $5, making it easier to start with a small amount. Both platforms are accessible to new traders, though neither is specifically designed as a beginner-only broker.
Which is better for experienced traders?
Both XM and FXTM support MetaTrader, so experienced traders can use either without restriction. FXTM's tighter spreads (0.1 pips) make it better for high-frequency and scalping strategies. XM offers more instruments (1,400) for portfolio diversification.
Verdict: XM vs FXTM
Choose XM if you want lower minimum deposit ($5 vs $10), more instruments (1,400 vs 1,000). The CySEC licence (120/10) gives it strong tier-1 regulatory backing.
Choose FXTM if you want tighter spreads, copy trading. The CySEC licence (185/12) means strong tier-1 regulatory protection.
Both brokers are legitimate and regulated. The choice comes down to your specific trading requirements.
Frequently asked questions
XM vs FXTM: which is better?
XM is better for lower minimum deposit ($5 vs $10), more instruments (1,400 vs 1,000). FXTM is better for tighter spreads, copy trading. If regulation quality is your priority, both have comparable regulation.
Is XM or FXTM safer?
Both XM (CySEC 120/10) and FXTM (CySEC 185/12) are regulated by tier-1 authorities. Both segregate client funds.
What is the minimum deposit for XM and FXTM?
XM minimum deposit: $5. FXTM minimum deposit: $10. Minimums vary by entity and account type.
Do XM and FXTM have MetaTrader?
Yes, both support MetaTrader 4 and MT5.