Written by ForexBrokers.com
In this head to head comparison of XTB 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.
In comparing XTB and Earn for online brokerage services, both firms have a solid industry presence. XTB, established in 2002, is a publicly traded company, while Earn, founded earlier in 1994, remains privately held. Neither is a bank, yet they hold different levels of regulatory licenses. XTB holds two Tier-1 and two Tier-2 licenses, demonstrating a commitment to maintaining a highly trusted status among regulators. Earn, on the other hand, holds one Tier-1 license and no Tier-2 licenses, reflecting a more cautious approach in its regulatory strategy.
When it comes to trust scores, XTB shines with an impressive rating of 96 from ForexBrokers.com, indicating a highly trusted broker. Earn, with a trust score of 71, is considered to present an average level of risk. This distinction in trust scores may influence discerning traders to lean towards XTB for a more secure trading experience. Ultimately, both brokers offer distinct advantages, with their own unique regulatory backgrounds guiding potential users in their choice.
| Feature |
XTB
|
Earn
|
|---|---|---|
| Year Founded | 2002 | 1994 |
| Publicly Traded (Listed) | Yes | No |
| Bank | No | No |
| Tier-1 Licenses | 2 | 1 |
| Tier-2 Licenses | 2 | 0 |
| Tier-3 Licenses | 0 | 0 |
| Tier-4 Licenses | 2 | 0 |
XTB offers two types of accounts focused on varying client needs: a spread-only Standard account and a commission-based Professional account for certified UK and European professionals. In general, XTB's pricing is competitive with the industry standard, although it doesn't lead the market in this area. With an average forex spread of 1 pip on the EUR/USD pair as of Q4 2023, XTB provides a feasible choice for most traders, especially as its commission-based pro account is no longer widely promoted. XTB is highly rated with 4.5 stars for commissions and fees and ranks 11th out of 62 brokers according to ForexBrokers.com.
For those comparing the two account types at XTB, the Standard account is often the better option for retail traders, especially considering the phasing out of the Pro account in most locations. While both accounts align in pricing at higher volumes, the minimum deposit starts at 250 base currency, making the Standard account more cost-effective for smaller trading amounts. Meanwhile, active traders can benefit from XTB's Lower Spread Group, which offers rebate programs that can discount up to 30% of the spread, rendering XTB competitive in the industry.
On the other hand, Earn does not have detailed average spread data available, limiting a direct comparison. Nevertheless, it secures a respectable 4-star rating for commissions and fees. In terms of its standing among brokers, Earn is ranked 46th out of 62 by ForexBrokers.com, which suggests that while it provides a solid service, its offerings on commissions and fees might not be as favorable as those from XTB.
| Feature |
XTB
|
Earn
|
|---|---|---|
| Minimum Deposit | $0 | $100 |
| Average Spread EUR/USD - Standard | 1.00 | N/A |
| All-in Cost EUR/USD - Active | 1.00 | N/A |
| Active Trader or VIP Discounts | No | Yes |
| ACH or SEPA Transfers | No | No |
| PayPal (Deposit/Withdraw) | Yes | 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.
XTB and Earn both offer forex trading, providing investors with a broad spectrum of opportunities to engage in the currency market. XTB shines with an impressive selection of 7,184 tradeable symbols and 71 forex pairs, surpassing Earn, which offers 500 symbols and 61 forex pairs. More importantly, XTB offers the option to invest in exchange-traded securities from major U.S. and international exchanges, allowing clients to invest directly in big-name stocks like Apple and Vodafone. In contrast, Earn does not provide access to direct stock purchasing, which may limit the opportunities for those interested in owning company shares outright.
Both XTB and Earn support cryptocurrency derivatives, although they do not offer direct cryptocurrency purchases. Yet, the standout difference is seen in the area of copy trading where Earn takes the lead by providing this feature, unlike XTB. In terms of ranking, XTB scores a strong 5 stars for its range of investments and claims the 14th spot out of 62 brokers in the Range of Investments category, while Earn garners 3.5 stars and is ranked 45th. This divergence highlights XTB as the more attractive option for those prioritizing a comprehensive range of investment options.
| Feature |
XTB
|
Earn
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 7184 | 500 |
| Forex Pairs (Total) | 71 | 61 |
| U.S. Stock Trading (Non CFD) | Yes | No |
| Int'l Stock Trading (Non CFD) | Yes | No |
| Social Trading / Copy Trading | No | 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 comparing the trading platforms and tools of XTB and Earn, both brokers provide free virtual demo accounts, allowing users to practice trading without risking real money. However, a significant difference lies in the platforms themselves. XTB has developed a proprietary platform in-house, whereas Earn does not, offering popular third-party platforms such as MetaTrader 4 (MT4) and MetaTrader 5 (MT5), in addition to ZuluTrade for copy trading. XTB, on the other hand, doesn't support MT4, MT5, or ZuluTrade but offers solid web-based and desktop options, much like Earn.
In terms of charting capabilities and features, XTB provides traders with 32 drawing tools, surpassing Earn's 15. Both brokers enable trading directly from stock charts and offer comprehensive watch lists, though XTB supports slightly more columns, totaling eight. Ranked by ForexBrokers.com, XTB is positioned at #9 for trading platforms and tools, receiving a rating of 4.5 stars, while Earn comes in at #51, rated 4 stars. This indicates a stronger performance and offering in this category by XTB, making it a preferred choice for those prioritizing advanced charting and proprietary technology.
| Feature |
XTB
|
Earn
|
|---|---|---|
| Virtual Trading (Demo) | Yes | Yes |
| Proprietary Platform | Yes | No |
| Desktop Platform (Windows) | Yes | Yes |
| Web Platform | Yes | Yes |
| Social Trading / Copy Trading | No | Yes |
| MetaTrader 4 (MT4) | No | Yes |
| MetaTrader 5 (MT5) | No | Yes |
| DupliTrade | No | No |
| ZuluTrade | No | Yes |
| Charting - Indicators / Studies (Total) | 39 | 35 |
| Charting - Drawing Tools (Total) | 32 | 15 |
| Charting - Trade From Chart | Yes | Yes |
| Watchlists - Total Fields | 8 | 7 |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
Comparing XTB and Earn's mobile trading apps reveals several similarities and a few key differences that could influence your decision. Both XTB and Earn provide apps for iPhone and Android devices, allowing users to trade on the go. Each app offers essential features like stock or forex price alerts, the ability to draw trendlines, multiple time frame views, and a convenient watchlist creation with real-time quotes. However, neither of them supports watchlist symbol syncing, which might be a consideration for those who switch between mobile and desktop frequently. In terms of technical studies available for charting, XTB takes the lead with 39 compared to Earn's 35.
When it comes to user ratings and industry rankings, XTB is rated higher with 4.5 stars out of five for mobile trading apps, while Earn comes in with 4 stars. This difference is also reflected in their rankings by ForexBrokers.com, where XTB holds the 8th position among 62 brokers, significantly ahead of Earn, which is ranked 26th. If a high industry ranking and a slightly broader range of technical tools are important to you, XTB might be the better choice. However, both apps still provide a comprehensive mobile trading experience tailored for traders looking to stay updated and make informed trading decisions on the move.
| Feature |
XTB
|
Earn
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Alerts - Basic Fields | Yes | Yes |
| Watchlist Syncing | No | No |
| Mobile Charting - Indicators / Studies | 39 | 35 |
| Mobile Charting - Draw Trendlines | Yes | Yes |
| Mobile Charting - Multiple Time Frames | Yes | Yes |
| Mobile Charting - Drawings Autosave | Yes | Yes |
| Mobile Watchlist | Yes | Yes |
Dive deeper: Best Forex Trading Apps.
When comparing the market research offerings of XTB and Earn, both platforms provide daily market commentary and access to forex news from top-tier sources like Bloomberg and Reuters. However, where XTB distinguishes itself is with its sentiment-based trading tool that gives insight into the ratio of long or short positions across currency pairs. This feature is absent from Earn's offerings. Both XTB and Earn do not provide technical analysis tools from Autochartist or Trading Central, nor do they offer market research from TipRanks or Acuity Trading. Despite these similarities, XTB's inclusion of additional tools contributes to its higher research rating.
Both brokers supply an economic calendar for a comprehensive view of current and upcoming global news events. This shared feature supports traders in staying informed about economic shifts worldwide. However, when it comes to research excellence, XTB has the upper hand, securing a 5-star rating and a #7 spot out of 62 brokers on ForexBrokers.com. In contrast, Earn holds a lower 3.5-star rating and is ranked #38. This gap underscores XTB's stronger emphasis on providing valuable research resources to its users.
| Feature |
XTB
|
Earn
|
|---|---|---|
| Daily Market Commentary | Yes | Yes |
| Forex News (Top-Tier Sources) | Yes | Yes |
| Autochartist | No | No |
| Trading Central (Recognia) | No | 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 it comes to educational resources for beginners, XTB outshines Earn by a significant margin. XTB provides a comprehensive offering with over 10 educational pieces focused on forex and CFDs. They also host at least one educational webinar each month and maintain a searchable archive of past webinars. Beginners will find value in their selection of more than 10 videos tailored specifically to those new to trading, as well as advanced content for experienced traders. In contrast, Earn does not meet these educational benchmarks for its users, lacking the volume and variety of resources that XTB offers.
XTB has a well-rounded educational program, achieving a stellar 5-star education rating and ranking 11th in the education category among 62 brokers as assessed by ForexBrokers.com. Earn, on the other hand, holds a modest 3.5-star rating and is positioned at 61st, highlighting a considerable gap in the quality and quantity of educational resources offered to its users. While neither platform currently offers an investor dictionary with extensive investing term definitions, XTB's extensive array of educational tools clearly makes it a more attractive option for beginners looking to improve their trading knowledge.
| Feature |
XTB
|
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 XTB is better than Earn. XTB finished with an overall rank of #7, while Earn finished with an overall rank of #50.
As a trusted multi-asset broker, XTB offers outstanding customer service, a wide variety of forex and CFDs, and an excellent overall trading experience. Its xStation 5 trading platform is well-designed and packed with innovative features, and XTB’s offers comprehensive educational content and market research.
| Feature |
XTB
|
Earn
|
|---|---|---|
| Overall Rating |
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| Trust Score | 96 | 71 |
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Both XTB and Earn do not provide the ability to buy actual delivered cryptocurrency, offering only cryptocurrency derivatives for investors.
When comparing online brokers XTB and Earn, both platforms do not support ACH or SEPA transfers for depositing or withdrawing funds; however, XTB provides the additional option of PayPal, unlike Earn, while both brokers support transactions through Skrill, Visa, Mastercard, and bank wires.
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 | XTB | Earn | |
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| Trust Score | 96 | 71 | |
| Winner | check_circle | ||
| Review | XTB Review |
| Broker Screenshots | XTB | Earn | |
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| Regulation | XTB | Earn | |
|---|---|---|---|
| Trust Score | 96 | 71 | |
| Year Founded | 2002 | 1994 | |
| Publicly Traded (Listed) | Yes | No | |
| Bank | No | No | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | Yes | |
| Tier-1 Licenses | 2 | 1 | |
| Tier-2 Licenses | 2 | 0 | |
| Tier-3 Licenses | 0 | 0 | |
| Tier-4 Licenses | 2 | 0 |
| Tier-1 Licenses (Highly Trusted) | XTB | Earn | |
|---|---|---|---|
| Australia (ASIC Authorised) | No | 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) | Yes | 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) | XTB | Earn | |
|---|---|---|---|
| Kenya (CMA Authorised) | No | No | |
| Israel (ISA Authorised) | No | No | |
| South Africa (FSCA Authorised) | Yes | No | |
| UAE (DFSA/Central Bank Authorised) | Yes | No | |
| India (SEBI Authorised) | No | No | |
| Jordan (JSC Authorised) | No | No |
| Investments | XTB | Earn | |
|---|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes | |
| Tradeable Symbols (Total) | 7184 | 500 | |
| Forex Pairs (Total) | 71 | 61 | |
| U.S. Stock Trading (Non CFD) | Yes | No | |
| Int'l Stock Trading (Non CFD) | Yes | No | |
| Social Trading / Copy Trading | No | 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 | XTB | Earn | |
|---|---|---|---|
| Average Spread EUR/USD - Standard | 1.00 | N/A | |
| All-in Cost EUR/USD - Active | 1.00 | N/A | |
| Active Trader or VIP Discounts | No | Yes | |
| Inactivity Fee | Yes | No | |
| Execution: Agency Broker | Yes | No | |
| Execution: Market Maker | Yes | Yes |
| Funding | XTB | Earn | |
|---|---|---|---|
| Minimum Deposit | $0 | $100 | |
| PayPal (Deposit/Withdraw) | Yes | 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 | XTB | Earn | |
|---|---|---|---|
| Proprietary Platform | Yes | No | |
| Desktop Platform (Windows) | Yes | Yes | |
| Web Platform | Yes | Yes | |
| Social Trading / Copy Trading | No | Yes | |
| MetaTrader 4 (MT4) | No | Yes | |
| MetaTrader 5 (MT5) | No | Yes | |
| cTrader | No | No | |
| DupliTrade | No | No | |
| ZuluTrade | No | Yes |
| Trading Tools | XTB | Earn | |
|---|---|---|---|
| Virtual Trading (Demo) | Yes | Yes | |
| Alerts - Basic Fields | Yes | Yes | |
| Watchlists - Total Fields | 8 | 7 | |
| Charting - Indicators / Studies (Total) | 39 | 35 | |
| Charting - Drawing Tools (Total) | 32 | 15 | |
| Charting - Trade From Chart | Yes | Yes | |
| Charts can be saved | Yes | Yes |
| Mobile Trading | XTB | Earn | |
|---|---|---|---|
| Android App | Yes | Yes | |
| Apple iOS App | Yes | Yes | |
| Mobile Alerts - Basic Fields | Yes | Yes | |
| Mobile Watchlist | Yes | Yes | |
| Watchlist Syncing | No | No | |
| Mobile Charting - Indicators / Studies | 39 | 35 | |
| Mobile Charting - Draw Trendlines | Yes | Yes | |
| Mobile Charting - Multiple Time Frames | Yes | Yes | |
| Mobile Charting - Drawings Autosave | Yes | Yes | |
| Mobile Economic Calendar | Yes | Yes |
| Research | XTB | Earn | |
|---|---|---|---|
| Daily Market Commentary | Yes | Yes | |
| Forex News (Top-Tier Sources) | Yes | Yes | |
| Autochartist | No | No | |
| Trading Central (Recognia) | No | No | |
| TipRanks | No | No | |
| Social Sentiment - Currency Pairs | Yes | No | |
| Economic Calendar | Yes | Yes |
| Education | XTB | 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 | XTB | 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 | XTB Review |
| Overall | XTB | Earn | |
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| Trust Score | 96 | 71 | |
| Winner | check_circle | ||
| Review | XTB Review |
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