Written by ForexBrokers.com
In this head to head comparison of XM Group vs Earn, we will compare the trading platforms, mobile apps, range of investments, costs, market research, and more. Let's dive in.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 51% and 89% of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
XM Group and Earn are both established online brokers with distinct backgrounds and regulatory standings. XM Group, founded in 2009, and Earn, founded in 1994, are both privately-held companies and neither operates as a bank. Designed to ensure investor safety, these firms hold regulatory licenses that contribute to their trust levels. XM Group distinguishes itself with 4 Tier-1 licenses, which are highly trusted. In addition, it has a Tier-2 license, considered trusted by ForexBrokers.com. In contrast, Earn possesses just 1 Tier-1 license and no Tier-2 licenses, demonstrating a more modest regulatory coverage.
According to ForexBrokers.com, the Trust Score for XM Group is a firm 88, categorizing it as trusted, while Earn stands with a score of 71, indicating an average risk. These scores reflect their regulatory structures and the level of security they offer to clients. While both brokers promise certain levels of trust, XM Group’s broader range of high-level licenses and higher trust score underline a stronger regulatory position compared to Earn. Whether you're prioritizing robust regulation or a long-standing history in the industry, these brokers offer different advantages worth considering for your trading needs.
| Feature |
XM Group
|
Earn
|
|---|---|---|
| Year Founded | 2009 | 1994 |
| Publicly Traded (Listed) | No | No |
| Bank | No | No |
| Tier-1 Licenses | 4 | 1 |
| Tier-2 Licenses | 1 | 0 |
| Tier-3 Licenses | 0 | 0 |
| Tier-4 Licenses | 1 | 0 |
When comparing the online brokers XM Group and Earn in terms of commissions and fees, both brokers receive similar ratings from users, but they exhibit notable differences in cost structure. XM Group's standard account spreads are considered pricey, and the average spreads for their commission-based XM Zero account remain undisclosed. Despite these cost concerns, XM Group earns a respectable 4-star rating for commissions and fees, indicating a solid user satisfaction level. In the industry ranking of 62 brokers, XM Group holds the #33 position, reflecting its competitive stance in the market.
Earn, on the other hand, does not provide average spread data, which might make it challenging for potential investors to fully assess its cost-effectiveness. However, Earn also garners a 4-star rating for commissions and fees, suggesting that traders still find value in its pricing structure. In terms of overall placement among 62 brokers, Earn ranks #46, indicating a more middle-of-the-road position in the competitive landscape.
In summary, both XM Group and Earn deliver a similar standard in commissions and fees, with each earning a 4-star rating. XM Group's slightly higher ranking may appeal to those prioritizing available data and transparency, while Earn's offering retains its own appeal despite the lack of spread information, suggesting customer satisfaction remains consistent between these two financial service providers.
| Feature |
XM Group
|
Earn
|
|---|---|---|
| Minimum Deposit | $5 | $100 |
| Average Spread EUR/USD - Standard | 1.6 | N/A |
| All-in Cost EUR/USD - Active | 0.8 | N/A |
| Active Trader or VIP Discounts | No | Yes |
| ACH or SEPA Transfers | No | No |
| PayPal (Deposit/Withdraw) | No | No |
| Skrill (Deposit/Withdraw) | Yes | Yes |
| Visa/Mastercard (Credit/Debit) | Yes | Yes |
| Bank Wire (Deposit/Withdraw) | Yes | Yes |
Dive deeper: Best Low Spread Forex Brokers.
When comparing the range of investments available through XM Group and Earn, both platforms allow users to trade forex as a CFD or spot contract. XM Group offers a more extensive array of options with 1,394 tradeable symbols, surpassing Earn's 500 symbols. While Earn provides access to 61 tradeable forex pairs, slightly more than XM Group's 55 pairs, XM Group allows investors to diversify by trading exchange-traded securities on both U.S. and international markets, an option not available with Earn. Both platforms support copy trading and offer cryptocurrency derivatives, although neither allows direct purchase of cryptocurrencies.
XM Group stands out with a higher rating of 4.5 stars for its range of investments, compared to Earn's 3.5 stars. This is reflected in their respective rankings by ForexBrokers.com, where XM Group holds the 23rd position among 62 brokers, while Earn is ranked 45th. For investors seeking a broader array of choices, particularly in terms of equities on multiple exchanges, XM Group presents a more attractive proposition, whereas Earn may suit those focusing on forex pairs. Ultimately, the choice between these online brokers depends on individual investment priorities and preferences.
| Feature |
XM Group
|
Earn
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 1394 | 500 |
| Forex Pairs (Total) | 55 | 61 |
| U.S. Stock Trading (Non CFD) | Yes | No |
| Int'l Stock Trading (Non CFD) | Yes | No |
| Social Trading / Copy Trading | Yes | Yes |
| Cryptocurrency (Physical) | No | No |
| Cryptocurrency (Derivative) | Yes | Yes |
| Disclaimers | Note: Crypto CFDs are not available to retail traders from any broker's U.K. entity, nor to U.K. residents (except to Professional clients). | Note: Crypto CFDs are not available to retail traders from any broker's U.K. entity, nor to U.K. residents (except to Professional clients). |
Dive deeper: Best Copy Trading Platforms.
When it comes to trading platforms and tools, both XM Group and Earn offer a range of features suitable for traders of all levels. Each broker provides a free virtual demo account, allowing users to practice trading without financial risk. Both also support the popular MetaTrader 4 and MetaTrader 5 platforms, accessible via Windows-based desktop downloads and web-based browser options. While neither broker offers a proprietary platform, they both facilitate trading right from stock charts and offer the ability to engage in copy trading. Additionally, each platform furnishes the same number of drawing tools for charting, enhancing the user experience.
Despite these similarities, there are distinctions between XM Group and Earn. XM Group does not support trading through ZuluTrade, whereas Earn does, potentially offering more options for traders interested in signal automation. Both brokers are rated four stars out of five for their trading platforms and tools, reflecting a strong user experience. However, XM Group is ranked 30th out of 62 brokers on ForexBrokers.com for this category, surpassing Earn, which holds the 51st position, indicating a slight edge in overall platform offerings. With these points in mind, traders can choose based on their specific preferences and requirements.
| Feature |
XM Group
|
Earn
|
|---|---|---|
| Virtual Trading (Demo) | Yes | Yes |
| Proprietary Platform | No | No |
| Desktop Platform (Windows) | Yes | Yes |
| Web Platform | Yes | Yes |
| Social Trading / Copy Trading | Yes | Yes |
| MetaTrader 4 (MT4) | Yes | Yes |
| MetaTrader 5 (MT5) | Yes | Yes |
| DupliTrade | No | No |
| ZuluTrade | No | Yes |
| Charting - Indicators / Studies (Total) | 30 | 35 |
| Charting - Drawing Tools (Total) | 15 | 15 |
| Charting - Trade From Chart | Yes | Yes |
| Watchlists - Total Fields | 7 | 7 |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
When comparing the mobile trading apps of XM Group and Earn, you'll find a lot of similarities that make them both appealing choices for traders on the go. Both brokers offer apps compatible with iPhone and Android devices, ensuring accessibility for a wide range of users. They each provide stock and forex price alerts, allowing traders to stay updated with market movements. Despite being close competitors, Earn slightly edges out XM Group in terms of technical studies, offering 35 compared to XM Group's 30. This could be a deciding factor for those who rely heavily on detailed chart analysis. Both apps allow users to draw trendlines and view charts in various time frames, adding flexibility to technical analysis. However, Earn offers the advantage of auto-saving drawings on charts, a feature XM Group lacks.
XM Group's app supports watchlist syncing with clients' online accounts, a convenience Earn does not provide. This makes it easier for XM Group users to keep track of their portfolios seamlessly across platforms. Both brokers offer the ability to create watchlists with real-time quotes, ensuring users have up-to-date information at their fingertips. In terms of overall app ratings, both earn four out of five stars. However, Earn ranks slightly higher at #26 compared to XM Group's #28 according to ForexBrokers.com, indicating a minor edge in user satisfaction. Whether you choose XM Group or Earn may largely depend on which features align more closely with your trading style and needs.
| Feature |
XM Group
|
Earn
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Alerts - Basic Fields | Yes | Yes |
| Watchlist Syncing | Yes | No |
| Mobile Charting - Indicators / Studies | 30 | 35 |
| Mobile Charting - Draw Trendlines | Yes | Yes |
| Mobile Charting - Multiple Time Frames | Yes | Yes |
| Mobile Charting - Drawings Autosave | No | Yes |
| Mobile Watchlist | Yes | Yes |
Dive deeper: Best Forex Trading Apps.
Both XM Group and Earn cater to traders seeking daily insights with their market commentary and forex news sourced from acclaimed outlets like Bloomberg and Reuters. While each platform delivers substantial daily information, XM Group sets itself apart with additional tools. XM Group integrates Trading Central's analytics and offers a sentiment-based trading tool that helps traders gauge market positions on currency pairs, providing richer, more comprehensive market insights.
Other tools such as Autochartist and TipRanks are not available with either broker. However, both XM Group and Earn provide an economic calendar to keep traders informed on global news events affecting various economies. In terms of overall research offerings, XM Group outperforms Earn, earning a 5-star rating and landing at #8 out of 62 brokers ranked by ForexBrokers.com, as opposed to Earn's 3.5-star rating and a ranking of #38.
| Feature |
XM Group
|
Earn
|
|---|---|---|
| Daily Market Commentary | Yes | Yes |
| Forex News (Top-Tier Sources) | Yes | Yes |
| Autochartist | No | No |
| Trading Central (Recognia) | Yes | No |
| Social Sentiment - Currency Pairs | Yes | No |
| TipRanks | No | No |
| Signal Centre (Acuity Trading) | No | No |
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
When considering online brokers for forex or CFD education, XM Group stands out as an excellent choice, offering a broad spectrum of resources tailored for beginners. With over ten educational pieces in various formats such as articles, videos, and archived webinars, XM Group ensures newcomers have plenty of material to kick-start their trading journey. They host monthly online educational webinars and provide access to an extensive library of past webinars, facilitating continuous learning. Moreover, XM Group delivers comprehensive beginner educational videos, which cover essential trading topics, and also offers advanced educational content for more experienced traders. This focus on education earns XM Group a 5-star rating, positioning it at number seven out of 62 brokers in the Education category.
On the other hand, Earn provides less in the way of educational resources for beginners. While it falls short of offering at least ten educational pieces dedicated to forex or CFDs, and lacks both live webinars and archived collections, Earn does not fully support beginners who are looking to enhance their trading knowledge. There are also no specific beginner or advanced educational videos available. Consequently, Earn is rated 3.5 stars for education and is ranked significantly lower, at number 61 out of 62 brokers by ForexBrokers.com. This makes XM Group an attractive option for those prioritizing educational support as they begin their trading journey.
| Feature |
XM Group
|
Earn
|
|---|---|---|
| Education (Forex or CFDs) | Yes | No |
| Client Webinars | Yes | No |
| Client Webinars (Archived) | Yes | No |
| Videos - Beginner Trading Videos | Yes | No |
| Videos - Advanced Trading Videos | Yes | No |
| Investor Dictionary (Glossary) | No | No |
Dive deeper: Best Forex Brokers for Beginners.
After testing 62 of the best forex brokers, our research and account testing finds that XM Group is better than Earn. XM Group finished with an overall rank of #17, while Earn finished with an overall rank of #50.
XM Group is a MetaTrader-only broker that offers a strong selection of high-quality educational content and market research.
| Feature |
XM Group
|
Earn
|
|---|---|---|
| Overall Rating |
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| Trust Score | 88 | 71 |
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Both XM Group and Earn do not offer the ability to buy actual delivered cryptocurrency, but they both allow trading in cryptocurrency derivatives.
Both XM Group and Earn support Skrill, Visa, Mastercard, and bank wire transfers for depositing or withdrawing funds, but neither broker provides ACH, SEPA, or PayPal as options for these transactions.
Please note:
We review each broker’s overall global offering – a “Yes” checkmark in our Compare Tool does not guarantee the availability of any specific features in your country of residence. To verify the availability of any features within your country of residence, please contact the broker directly.
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0 of 5| Overall Rating | XM Group | Earn | |
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| Trust Score | 88 | 71 | |
| Winner | check_circle | ||
| Review | XM Group Review |
| Broker Screenshots | XM Group | Earn | |
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| Regulation | XM Group | Earn | |
|---|---|---|---|
| Trust Score | 88 | 71 | |
| Year Founded | 2009 | 1994 | |
| Publicly Traded (Listed) | No | No | |
| Bank | No | No | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | Yes | |
| Tier-1 Licenses | 4 | 1 | |
| Tier-2 Licenses | 1 | 0 | |
| Tier-3 Licenses | 0 | 0 | |
| Tier-4 Licenses | 1 | 0 |
| Tier-1 Licenses (Highly Trusted) | XM Group | Earn | |
|---|---|---|---|
| Australia (ASIC Authorised) | Yes | No | |
| Canada (CIRO Authorised) | No | No | |
| Hong Kong (SFC Authorised) | No | No | |
| Japan (SFC Authorised) | No | No | |
| Singapore (MAS Authorised) | No | No | |
| Switzerland (FINMA Authorised) | No | No | |
| United Kingdom (U.K.) (FCA Authorised) | No | No | |
| USA (CFTC Authorized) | No | No | |
| New Zealand (FMA Authorised) | No | No | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | Yes |
| Tier-2 Licenses (Trusted) | XM Group | Earn | |
|---|---|---|---|
| Kenya (CMA Authorised) | No | No | |
| Israel (ISA Authorised) | No | No | |
| South Africa (FSCA Authorised) | No | No | |
| UAE (DFSA/Central Bank Authorised) | Yes | No | |
| India (SEBI Authorised) | No | No | |
| Jordan (JSC Authorised) | No | No |
| Investments | XM Group | Earn | |
|---|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes | |
| Tradeable Symbols (Total) | 1394 | 500 | |
| Forex Pairs (Total) | 55 | 61 | |
| U.S. Stock Trading (Non CFD) | Yes | No | |
| Int'l Stock Trading (Non CFD) | Yes | No | |
| Social Trading / Copy Trading | Yes | Yes | |
| Cryptocurrency (Physical) | No | No | |
| Cryptocurrency (Derivative) | Yes | Yes | |
| Disclaimers | Note: Crypto CFDs are not available to retail traders from any broker's U.K. entity, nor to U.K. residents (except to Professional clients). | Note: Crypto CFDs are not available to retail traders from any broker's U.K. entity, nor to U.K. residents (except to Professional clients). |
| Cost | XM Group | Earn | |
|---|---|---|---|
| Average Spread EUR/USD - Standard | 1.6 | N/A | |
| All-in Cost EUR/USD - Active | 0.8 | N/A | |
| Active Trader or VIP Discounts | No | Yes | |
| Inactivity Fee | Yes | No | |
| Execution: Agency Broker | No | No | |
| Execution: Market Maker | Yes | Yes |
| Funding | XM Group | Earn | |
|---|---|---|---|
| Minimum Deposit | $5 | $100 | |
| PayPal (Deposit/Withdraw) | No | No | |
| Skrill (Deposit/Withdraw) | Yes | Yes | |
| Visa/Mastercard (Credit/Debit) | Yes | Yes | |
| Bank Wire (Deposit/Withdraw) | Yes | Yes | |
| ACH or SEPA Transfers | No | No |
| Trading Platforms | XM Group | Earn | |
|---|---|---|---|
| Proprietary Platform | No | No | |
| Desktop Platform (Windows) | Yes | Yes | |
| Web Platform | Yes | Yes | |
| Social Trading / Copy Trading | Yes | Yes | |
| MetaTrader 4 (MT4) | Yes | Yes | |
| MetaTrader 5 (MT5) | Yes | Yes | |
| cTrader | No | No | |
| DupliTrade | No | No | |
| ZuluTrade | No | Yes |
| Trading Tools | XM Group | Earn | |
|---|---|---|---|
| Virtual Trading (Demo) | Yes | Yes | |
| Alerts - Basic Fields | Yes | Yes | |
| Watchlists - Total Fields | 7 | 7 | |
| Charting - Indicators / Studies (Total) | 30 | 35 | |
| Charting - Drawing Tools (Total) | 15 | 15 | |
| Charting - Trade From Chart | Yes | Yes | |
| Charts can be saved | Yes | Yes |
| Mobile Trading | XM Group | Earn | |
|---|---|---|---|
| Android App | Yes | Yes | |
| Apple iOS App | Yes | Yes | |
| Mobile Alerts - Basic Fields | Yes | Yes | |
| Mobile Watchlist | Yes | Yes | |
| Watchlist Syncing | Yes | No | |
| Mobile Charting - Indicators / Studies | 30 | 35 | |
| Mobile Charting - Draw Trendlines | Yes | Yes | |
| Mobile Charting - Multiple Time Frames | Yes | Yes | |
| Mobile Charting - Drawings Autosave | No | Yes | |
| Mobile Economic Calendar | Yes | Yes |
| Research | XM Group | Earn | |
|---|---|---|---|
| Daily Market Commentary | Yes | Yes | |
| Forex News (Top-Tier Sources) | Yes | Yes | |
| Autochartist | No | No | |
| Trading Central (Recognia) | Yes | No | |
| TipRanks | No | No | |
| Social Sentiment - Currency Pairs | Yes | No | |
| Economic Calendar | Yes | Yes |
| Education | XM Group | Earn | |
|---|---|---|---|
| Education (Forex or CFDs) | Yes | No | |
| Client Webinars | Yes | No | |
| Client Webinars (Archived) | Yes | No | |
| Videos - Beginner Trading Videos | Yes | No | |
| Videos - Advanced Trading Videos | Yes | No | |
| Investor Dictionary (Glossary) | No | No |
| Major Forex Pairs | XM Group | Earn | |
|---|---|---|---|
| GBP/USD | Yes | Yes | |
| USD/JPY | Yes | Yes | |
| EUR/USD | Yes | Yes | |
| USD/CHF | Yes | Yes | |
| USD/CAD | Yes | Yes | |
| NZD/USD | Yes | Yes | |
| AUD/USD | Yes | Yes | |
| Review | XM Group Review |
| Overall | XM Group | Earn | |
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| Trust Score | 88 | 71 | |
| Winner | check_circle | ||
| Review | XM Group Review |
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