XM vs DEGIRO 2026: Which Broker is Better?
Choosing between XM and DEGIRO depends on your trading style, preferred markets, and budget. XM is headquartered in Limassol, Cyprus, while DEGIRO operates from Amsterdam, Netherlands. XM has the longer track record, established in 2009, compared to DEGIRO which was founded in 2013. This in-depth comparison covers regulation, fees, platforms, markets, and overall ratings to help you decide which broker is the better fit in 2026.
XM
DEGIRO
| XM | DEGIRO | |
|---|---|---|
| BrokerRank Score | 3.9/5 ✓ | 3.3/5 |
| Min. Deposit | $5 | $0 ✓ |
| Spread from | 0.6 pips | 0 pips ✓ |
| Max Leverage | 1:1000 ✓ | 1:1 |
| Regulation | CySEC, DFSA, FSC ✓ | FCA |
| Platforms | MT4, MT5, Proprietary Mobile | Proprietary Web, Proprietary Mobile |
XM is the better choice overall, scoring 3.9/5 vs 3.3/5 on BrokerRank's independent rating. On fees, DEGIRO offers lower spreads (0 pips).
See full side-by-side comparison belowXM vs DEGIRO: Key Differences
XM
WinnerDEGIRO
Fees Comparison
XM
DEGIRO
Regulation & Trust
XM holds licences from ASIC, FCA, CySEC. DEGIRO is regulated by FCA.
Markets & Assets
Both brokers offer access to Stocks, Indices, Commodities markets. XM additionally covers Forex, Cfd.
Fees & Spreads
On spreads, DEGIRO is more competitive with EUR/USD spreads from 0.0 pips, compared to 0.6 pips at XM.
Trading Platforms
XM supports MT4, MT5, Proprietary Mobile. DEGIRO offers Proprietary Web, Proprietary Mobile. Both brokers are available on Proprietary Mobile.
Minimum Deposit
XM requires a minimum deposit of $5, while DEGIRO sets no minimum deposit. This makes DEGIRO accessible to traders with any budget.
Overall Ratings
BrokerRank scores XM at 3.92/5 and DEGIRO at 3.27/5, based on 50+ data points covering regulation, fees, platforms, markets, and user experience. XM leads overall with a clear advantage.
BrokerRank Verdict
Who Should Choose Which?
XM
3.9/5
Choose XM if you want…
- Higher overall rating (3.9/5)
- No per-trade commission
- Higher leverage (up to 1:1000)
- More regulatory licences (5)
DEGIRO
3.3/5
Choose DEGIRO if you want…
- Tighter spreads (from 0 pips)
- No minimum deposit
Also consider
We earn a commission when you open an account through these links, at no extra cost to you. Our ratings are scored independently — see the full independent ranking.
Both XM & DEGIRO are available in
Frequently Asked Questions
1Is XM better than DEGIRO?
XM scores higher overall on our independent rating system. XM holds a 3.9/5 rating vs DEGIRO's 3.3/5. The best choice ultimately depends on your trading style — see our full verdict above for a detailed breakdown.
2Which has lower fees, XM or DEGIRO?
XM offers spreads from 0.6 pips, while DEGIRO starts at 0 pips. Check the fees section above for a full breakdown.
3What is the minimum deposit for XM vs DEGIRO?
XM requires a minimum deposit of $5. DEGIRO requires $0.
4Which broker is safer, XM or DEGIRO?
XM is regulated by CySEC, DFSA, FSC, FSCA, FSA, while DEGIRO holds licences from FCA.
5What trading platforms do XM and DEGIRO support?
XM supports MT4, MT5, Proprietary Mobile. DEGIRO supports Proprietary Web, Proprietary Mobile.
6Can I use both XM and DEGIRO?
Yes, you can hold accounts at multiple brokers simultaneously. Many traders diversify across platforms to access different markets and tools.
Key Trading Terms
Related Guides
More Comparisons
BrokerRank Research
Only 26% of Brokers Are Truly Fee-Free
BrokerRank Research — Hidden costs across our broker database
58% of Brokers Hold a Single Licence
BrokerRank Research — Regulation quality analysis
71% of Retail Traders Lose Money
BrokerRank Research — Loss rates across 50 EU brokers
76% of Brokers Use Proprietary Platforms
BrokerRank Research — MT4 vs MT5 vs proprietary
Trading involves risk. Past performance is not indicative of future results. Capital at risk. Full risk disclosure.
Higher Rated
XM
Capital at risk · T&Cs apply