AvaTrade vs XM: Which Broker Is Better in 2026?
AvaTrade, founded 2006 in Dublin, is regulated by ASIC, CBI, FSA, FSCA, ADGM. XM, founded 2009 in Cyprus, is regulated by CySEC, ASIC, FSCA, DFSA. Here is how the two brokers compare on spreads, fees, leverage, platforms, and regulation, and which one is the better fit for your trading.
Both are beginner-friendly, well-regulated brokers with a low barrier to entry. XM has a smaller minimum deposit ($5 vs $100) and higher headline leverage (1:888), but its 1.6-pip standard spread is far wider than AvaTrade's 0.9, and XM starts charging a $15 monthly inactivity fee after just 90 days. AvaTrade is the better pick for tighter spreads, the AvaTradeGO app, and regulation across five jurisdictions.
| Feature | AvaTrade | XM |
|---|---|---|
| Overall Score | 4.6/5 | 4.5/5 |
| Regulation | ASIC, CBI, FSA, FSCA, ADGM | CySEC, ASIC, FSCA, DFSA |
| Min Deposit | $100 | $5 |
| EUR/USD Spread | 0.9 pips | 1.6 pips |
| Commission | $0 | $0 |
| Platforms | MT4, MT5, AvaTradeGO | MT4, MT5 |
| Max Leverage | 1:400 | 1:888 |
| Withdrawal Time | 1-2 days | 1-3 days |
| Withdrawal Fee | $0 | $0 |
| Inactivity Fee | $50 after 3 months | $15/mo after 90 days |
| Islamic Account | Yes | Yes |
| US Clients | No | No |
| Founded | 2006 | 2009 |
| Headquarters | Dublin | Cyprus |
Where AvaTrade wins
- Higher overall rating (4.6/5)
- Tighter EUR/USD spread (0.9 pips)
- Lower inactivity fee ($50 after 3 months)
Where XM wins
- Lower minimum deposit ($5)
Bottom line
Both are beginner-friendly, well-regulated brokers with a low barrier to entry. XM has a smaller minimum deposit ($5 vs $100) and higher headline leverage (1:888), but its 1.6-pip standard spread is far wider than AvaTrade's 0.9, and XM starts charging a $15 monthly inactivity fee after just 90 days. AvaTrade is the better pick for tighter spreads, the AvaTradeGO app, and regulation across five jurisdictions. Read the full reviews or compare other brokers before you open an account.