Updated October 13, 2026 · BrokerCue Editorial Team
ActivTrades vs XM
Facts checked September 26, 2026.
ActivTrades vs XM: the differences
| Compare |  ActivTrades |  XM |
|---|---|---|
| Regulators | FCA, SCB, CMVM, FSC, BACEN | SIPC |
| Investor protection | FSCS up to GBP 85,000 | SIPC up to USD 500,000 |
| Retail accounts that lose money | 84% | 75.12% |
| Deposit and withdrawal fees | Free deposits and withdrawals | 0 fees on partner withdrawals |
| Minimum deposit | $0 | Not confirmed |
| Stock trade fee | $0 | Not confirmed |
| Account fee | $0 | Not confirmed |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, Bonds | Not confirmed |
| Currency conversion fee | 0.5% | Not confirmed |
| Platforms | ActivTrader, MetaTrader 4, MetaTrader 5, TradingView | Not confirmed |
| Interest on cash | 3.3% | Not confirmed |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Regulators: only ActivTrades offers FCA, SCB, CMVM.
- Regulators: only XM offers SIPC.
- Features: only ActivTrades offers Crypto, Demo account, Fractional shares.
- Features: only XM offers Copy trading.
Our verdict on each
ActivTrades
ActivTrades suits active share and CFD traders who want broad market access with commission free dealing and flexible platform choice for everyday orders. Minimum deposit sits at $0, stock trade fee sits at $0 and retail accounts that lose money sit at 84%, so careful risk controls remain essential.
XM
XM is known for letting traders copy thousands of successful strategies alongside a range of accounts. It is a broker that serves beginners and experienced traders who want fast execution, fair conditions and structured choice with clear direction.
Score breakdown
| Area | ActivTrades | XM |
|---|---|---|
| Cost | 9.3Account fee sits at $0 so holding costs stay contained | Not confirmed |
| Offer | 9.6HigherCoverage spans stocks, ETFs and forex across shares and leveraged products | 8.3 |
| Trust | 9.5HigherOversight includes FCA, SCB and CMVM with FCA cover for reassurance | 8.6 |
Licences and countries
| Country | ActivTrades | XM |
|---|---|---|
| United States | Not confirmed | SIPC SIPC member 70992 |
Sources behind this comparison
ActivTrades
- activtrades.com: 12 facts, checked September 28, 2026
- help.activtrades.com: 1 fact, checked September 29, 2026
XM
- partners.xm.com: 4 facts, checked September 26, 2026
- sipc.org: 3 facts, checked September 26, 2026
Every fact side by side
| Fact | ActivTrades | XM |
|---|---|---|
| Features | Crypto, Demo account, Fractional shares, Mobile app | Copy trading |
| Pricing model | Commission free | Not confirmed |
| Legal entity | Not confirmed | &PARTNERS |
| Support channels | Not confirmed | Help centre |
Where each stands against the rest
| Fact | ActivTrades | XM | Median |
|---|---|---|---|
| Minimum deposit | $0below the median | Not confirmed | $25 |
| Stock trade fee | $0at the median | Not confirmed | $0 |
| Account fee | $0at the median | Not confirmed | $0 |
| Retail accounts that lose money | 84%highest quarter | 75.12%highest quarter | 72.05% |
| Currency conversion fee | 0.5%above the median | Not confirmed | 0.45% |
| Interest on cash | 3.3%above the median | Not confirmed | 3% |
Median across 134 listed brokers.
Pros and cons
ActivTrades
Pros
- Stock trade fee sits at $0 for share dealing under commission free
- Minimum deposit sits at $0, below eToro at $50
- Funding terms read Free deposits and withdrawals for deposits and withdrawals
Cons
- Retail accounts that lose money sit at 84%, above the CFD median at 72.05%
- Currency conversion on funding costs 0.5% for balances held in other currencies
- Cash interest sits at 3.3%, which limits appeal for cash heavy portfolios
XM
Pros
- Community of over 20 million clients alongside 250,000 partners.
- Ability to copy thousands of successful strategies created by other traders.
- Fast execution and fair trading conditions designed around everyday needs.
Cons
- Copying other traders still requires judgement about risk and strategy fit.
- Wide account and strategy choice can feel demanding for absolute beginners.
Who each suits
ActivTrades
Who it suits
- New traders starting modestly with entry at $0 and practice via crypto, demo account and fractional shares
- Share traders wanting dealing at $0 across stocks, ETFs and forex with platform choice
- CFD traders wanting structured support via email, chat and phone where funding reads Free deposits and withdrawals
Who should look elsewhere
- Traders wanting crypto led dealing with very low cash entry may prefer Kraken at $1
- Traders wanting social and copy features may prefer eToro despite higher entry at $50
XM
Who it suits
- Beginners who want guided account choice
- Active traders who value fast execution
- Learners who want to follow shared strategies
Who should look elsewhere
- Investors seeking managed portfolio services
Current offers
XM
Current offer
Bonus
Partners Rewards Program - up to $150,000 extra income: up to $150,000
Availability varies by country
Source, checked September 26, 2026
Questions about each
ActivTrades
What does ActivTrades charge for stock trades?+
Stock trade fee sits at $0 for share dealing. The pricing model is described by commission free, which helps keep ticket costs predictable for equity orders. Spreads and conversion charges can still apply on leveraged trades, so review order previews and statements before dealing.
Is ActivTrades regulated and safe?+
Oversight comes via FCA, SCB and CMVM, including FCA cover alongside other regional entities. Eligible balances carry protection at FSCS up to GBP 85,000. Protection applies under scheme rules and by entity, so confirm which entity serves your account during signup and keep account records.
XM
What does XM offer traders?+
XM provides trader focused products built around active trading and choice. The range includes accounts for different experience levels and access to shared strategies. Fair conditions and fast execution sit at the centre of the offer.
How does strategy copying work at XM?+
XM allows traders to copy thousands of successful strategies shared by other traders. This approach helps newer traders learn from practical examples while they manage their own decisions. It also gives experienced traders a broader view of market approaches.
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