Written by Research Team
February 25, 2026
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 75.33% of retail investor accounts lose money when trading CFDs with this provider.
XM Group is a globally recognised forex and CFD broker founded in 2009, best known for its exceptional educational content and $5 minimum deposit. XM is authorised by four Tier-1 regulators and holds a Trust Score of 93. It serves over 10 million clients in 190+ countries.
- Minimum Deposit: $5
- Trust Score: 93
- Tradeable Symbols (Total): 1394
4.2
Overall Score
| Education | |
| Range of Investments | |
| Trading Fees | |
| Trading Platforms | |
| Research | |
| Mobile Trading |
Table of Contents
My top takeaways for XM Group:
- Authorised by four Tier-1 regulators (CySEC, ASIC, CFTC, FCA); Trust Score of 93.
- Minimum deposit of $5 — one of the lowest in the industry.
- Outstanding educational offering including daily videos, multilingual webinars, and the Tradepedia library.
- Over 1,394 tradeable instruments.
- Standard account spreads average 2.0 pips on EUR/USD.
XM Group Pros & Cons
Pros
- ✓Highly Trusted with a Trust Score of 93 and four Tier-1 licences.
- ✓Very low minimum deposit of just $5 — accessible for beginners worldwide.
- ✓Outstanding educational content: daily videos, multilingual live webinars, podcasts, and Tradepedia on-demand library.
- ✓Strong research offering including Trading Central and daily market analysis.
- ✓Over 1,394 tradeable instruments spanning forex, stocks, indices, commodities, and crypto CFDs.
- ✓MetaTrader 4, MetaTrader 5, TradingView, and proprietary XM app supported.
Cons
- ✗Standard account spreads average 2.0 pips on EUR/USD — above the industry average.
- ✗No PayPal support.
- ✗Inactivity fee of $10/month applies after 90 days of dormancy.
- ✗XM Zero account (tightest spreads) is only available to EU clients.
- ✗Does not offer active trader or VIP discount programmes.
Trust Score
XM Group is considered Highly Trusted, with a Trust Score of 93 out of 99.
| Feature | XM Group |
|---|---|
| Year Founded | 2009 |
| Publicly Traded (Listed) | No |
| Bank | No |
| Trust Score | 93 |
| Tier-1 Licenses | 4 |
| Tier-2 Licenses | 3 |
| Tier-3 Licenses | 0 |
| Tier-4 Licenses | 3 |
Range of Investments
| Feature | XM Group |
|---|---|
| Tradeable Symbols (Total) | 1394 |
| Forex Pairs (Total) | 55 |
| U.S. Stocks | Yes |
| Global Stocks | Yes |
| Copy Trading | Yes |
| Crypto (Underlying) | No |
| Crypto (CFDs) | Yes |
Fees
| Feature | XM Group |
|---|---|
| Minimum Deposit | $5 |
| Avg Spread EUR/USD | 2.00 |
| All-in Cost EUR/USD | N/A |
| PayPal | No |
| Skrill | Yes |
| Bank Wire | Yes |
Trading Platforms
| Feature | XM Group |
|---|---|
| Virtual Trading (Demo) | Yes |
| Web Platform | Yes |
| MetaTrader 4 (MT4) | Yes |
| MetaTrader 5 (MT5) | Yes |
| Mobile App | Yes |
Expert Take
XM Group is a top-tier choice for traders who value education and research. Its $5 minimum deposit and comprehensive educational ecosystem make it ideal for beginners and intermediate traders.
XM Group Star Ratings
| Feature | XM Group |
|---|---|
| Overall Rating | 4.2/5 |
| Trust Score | 93 |
| Education | 5/5 |
| Range of Investments | 4/5 |
| Trading Fees | 3.5/5 |
| Trading Platforms | 4/5 |
| Research | 4.5/5 |
| Mobile Trading | 4/5 |