XM vs Abcc: Fees, Security, Features & Which to Choose (2025)

Trying to choose between XM and Abcc This side-by-side comparison reveals total cost (fees + spreads), security & licenses, coins/derivatives, deposits/withdrawals, and app quality. In 2 minutes you’ll see who wins for beginners, active traders, and long-term holders. Clear pros/cons, a quick verdict, and safe links to get started.

Last updated on September 5, 2025

XM

Abcc

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Available Countries

United States

Europe

Yes

Latin America

Yes

India

Yes

China

Yes

Canada

United Kingdom

United States

Europe

Latin America

India

China

Canada

United Kingdom

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XM is ideal if:

For flexibility seekers: Ideal if you want access to a wide range of global markets (forex, CFDs, commodities, indices, stocks, crypto) across popular platforms like MT4 and MT5.
For fair-play traders: Perfect if you value consistent execution—no requotes or rejections—and the same conditions for all clients, regardless of account size.
For support-driven users: Great for those who appreciate multilingual, round-the-clock support and educational tools (like live webinars and market insights).

Abcc is ideal if:

Active traders who value speed and simplicity — ABCC shines with a straightforward trading-focused environment, especially for those placing frequent trades.
Tech-savvy users comfortable without passive income options — It lacks staking, referral, or yield features, so it’s tailored for direct trading only.
Users seeking ease with familiar interfaces — The platform offers an intuitive TradingView-based terminal and seamless fiat crypto deposits, making onboarding hassle-free.

XM isn’t ideal if:

If you want full asset variety: XM lacks futures, physical stocks, and a broader crypto selection—so it's not the best fit if you're seeking non-CFD exposure or niche instruments.
If payment flexibility matters: No PayPal or similar e-wallet options, and withdrawing profits often requires bank transfers only.
If transparency is crucial: Being privately held, XM doesn’t publish public financial disclosures, which may concern traders looking for operational transparency.

Abcc isn’t ideal if:

Not suited for passive-income seekers — Lacks features like staking, referrals, yield or investment programs, making it less appealing for users wanting to earn beyond trading.
Limited altcoin depth and liquidity — Offers a basic roster of digital assets and modest trading volume compared to more prominent exchanges, which might limit your options.
Customer support and transparency concerns — User feedback highlights issues with withdrawals, support responsiveness, and limited operational clarity—potentially frustrating if support matters to you.

Fees & Total Costs

Spot Maker/Take

XM does not use a maker-taker pricing model for spot crypto trading; instead, it offers crypto CFDs with transparent spreads rather than volume-based fees or native-token discounts.

ABCC maintains a flat trading fee structure—0.10 % for both makers and takers when trading through the standard interface, with reduced rates of 0.05 % available via API access; there’s no tiered volume structure or explicit discounts tied to holding the AT token, although API usage and AT holdings can indirectly influence cost savings.

Futures/Derivatives

XM provides CFD-based derivatives (including forex, commodities, indices, crypto) rather than traditional futures, with no separate maker/taker fees and funding costs rolled into overnight swap rates depending on account type and position.

ABCC currently does not offer futures or derivatives trading, so there are no associated maker/taker fees or funding rate mechanics to consider—its services remain focused solely on spot markets.

Average Spreads on Liquid Pairs

XM’s crypto spreads vary dynamically with market conditions, and while they aim to keep spreads competitive, specific figures for pairs like BTC/USDT or ETH/USDT are not publicly listed to ensure evergreen relevance.

ABCC quotes market spreads that align with live order-book depths, generally competitive for liquid pairs like BTC/USDT or ETH/USDT, making its trading environment practical for access to those key markets, though actual spread values fluctuate with market conditions and aren’t fixed.

Fiat Deposits & Withdrawals

Clients can deposit and withdraw using credit/debit cards, bank transfers, and e-wallets like Skrill or Neteller, typically with no internal fees and processing that ranges from instant (e-wallets) to a few business days (cards or wire).

Fiat transfers occur via third-party OTC partners—users must complete KYC to access USD deposit and withdrawal options, with wire times typically ranging from 1 to 5 business days; ABCC charges a handling fee on USD withdrawals—specifically 3 % of the requested amount (with no fixed component), and any additional bank or intermediary charges depend on the user’s banking institutions.

On-chain Withdrawals

XM does not offer on-chain crypto withdrawals—crypto exposure is available only via CFDs—so there are no network-level (like BTC, ETH, TRX) withdrawal fees.

Cryptocurrency withdrawals incur network-specific fees that ABCC displays on the assets page—these vary by blockchain (e.g., BTC, ETH, TRX) and are dynamically set according to current network conditions rather than being fixed, ensuring cost reflects real-time congestion.

Hidden Costs

XM imposes inactivity charges after a period without trading, and currency conversion fees may apply if your deposit or withdrawal currency differs from your account base; there are no known express-KYC charges.

ABCC doesn’t charge explicit inactivity or express-KYC fees, but users should be aware that conversion costs may arise if engaging in fiat pair trading where implied FX is applied, and third-party bank fees on fiat transfers may create indirect, less obvious expenses beyond the advertised 3 % handling rate.

Real-World Cost Example: “€500 BTC

Because XM trades crypto via CFDs rather than outright purchases, a “€500 BTC buy” isn’t executed as a direct asset acquisition—costs would come from the spread and any overnight financing, with no actual crypto withdrawal involved.

If you were to fund €500 via fiat (converted through OTC into USDC or USDT) and then purchase BTC, your cost breakdown would include the 3 % fiat handling fee (about €15), a trading fee of 0.10 % on the purchase (approx. €0.50), and then any subsequent withdrawal would incur a dynamic network fee depending on your chosen blockchain—resulting in a total cost of roughly €15.50 plus the applicable on-chain fee.

Crypto Offering & Trading Features

Number of Coins & Pairs

XM offers 58 crypto CFDs, covering many major and minor cryptocurrencies across USD, EUR, and GBP denominated pairs; top-volume pairs include BTC/USD, ETH/USD, XRP/USD, LTC/USD, and BCH/USD.

ABCC lists around 20–30 digital assets, including major coins like BTC, ETH, LINK, DOT, AAVE, and more, typically paired with stablecoins such as USDT and USDC; the top 20 by volume closely align with these key tokens.

Product Range

XM provides CFDs only—no actual spot, futures/perps, options, ETFs, staking, lending, grid or DCA bots—though it does support copy trading via MQL5 alongside its usual CFD offerings.

ABCC offers spot trading only—there’s no access to margin, futures, perpetuals, options, ETFs, staking, lending, copy-trading, grid bots, or automated DCA options.

Liquidity

XM does not publish direct liquidity metrics like 24-hour volume or order-book depth, relying instead on its CFD pricing aligned with underlying markets via its partner liquidity providers.

The platform’s liquidity is modest—daily trading volume is quite low (often just a few dozen dollars to a few thousand across pairs) and order book depth for BTC/ETH is limited, meaning price impact may be more pronounced for larger trades.

Tools

XM supports standard order types—including limit, stop, and OCO—offers alerts and advanced charting through MT4/MT5 platforms; it does not feature a proprietary TradingView interface or public API/WS, but use of Expert Advisors is permitted.

You get a capable suite of tools including multiple order types (like limit, stop, OCO), real-time alerts, a TradingView-powered charting interface, and API/WebSocket access—all lending solid technical support for active spot traders.

Geographic Restrictions by Product

XM restricts certain products in specific regions—crypto CFDs and copy-trading are unavailable to clients in the UK and EEA, and access to CFDs depends on local regulator policies.

While ABCC is accessible globally, certain features—like its token sales or AT-related promotions—may be unavailable or restricted in jurisdictions such as the US, China, or Singapore, depending on local rules.

Innovation

XM does not offer launchpad, launchpool, staking pools, earn programs, or flexible-vs-locked yield products; its innovation focus remains on expanding CFD choices and platform features like copy trading.

ABCC includes occasional IEOs (initial exchange offerings), enabling users to participate in token launches, but it does not provide flexible or locked earn options (like staking or yield pools) as part of its products.

Security, Regulation & Custody

Operating Entity & Jurisdiction

XM is run by Trading Point Holdings Ltd (founded 2009), headquartered in Limassol, Cyprus, and operates through specialized regional entities tailored to the EU, Australia, Middle East, and global markets.

ABCC is legally operated by Alphabit Consulting Pte Ltd, incorporated in Singapore and founded in 2018; it previously had subsidiaries in Malta and Gibraltar, though it has since announced plans to consolidate and sunset operations in Singapore.

Licenses/Registration

XM is regulated under CySEC (Cyprus / EU), ASIC (Australia), DFSA (Dubai), and IFSC (Belize), aligning with EU MiFID II standards but not specifically registered as a VASP under MiCA.

The platform does not hold formal regulatory licenses like VASP or MiCA-equivalents, though it has publicly expressed support for and applied to DLT licensing regimes in jurisdictions such as Malta and Gibraltar to align with regulatory clarity initiatives.

Custody

XM entrusts client funds to top-tier third-party banks in segregated accounts, and although it mentions independent audits and risk controls, it does not provide public Proof of Reserves or disclose cold-storage percentages.

ABCC retains custody of user assets using a hybrid model—likely combining internal systems with cold storage—yet it does not publish any proof-of-reserves data or conduct third-party reserve audits, leaving the ratio of cold vs. hot reserve holdings unclear.

Insurance & Protection Funds

EU-based clients via XM’s CySEC arm benefit from the Investor Compensation Fund (cap applies), and the broker enforces negative balance protection—but it does not highlight private insurance schemes.

ABCC does not offer any explicit user insurance or protection funds; there’s no mention of coverage against hacks or insolvency, meaning user assets are not guaranteed beyond the self-custodial structure of the exchange.

Incident History

XM has maintained a largely clean record with no major hacks or enforcement actions reported by tier-1 regulators, and any operational interruptions are either internal or compliance-related, with no publicized fines.

Since its 2018 launch, ABCC has not suffered any major public hacks or asset losses, and there have been no recorded suspensions or regulatory sanctions—so its historical incident record remains clean at this time.

Risk Controls

XM supports strong risk safeguards including mandatory KYC, negative balance protection, and secure execution infrastructure, though features like granular API permissions, IP whitelisting, or sub-account hierarchies are mostly available via MetaTrader plugin tools rather than a proprietary interface.

The exchange supports security measures such as two-factor authentication, withdrawal address whitelisting, anti-phishing tools, and granular API key permissions; it also automatically freezes withdrawals for a short delay after key changes like password or 2FA updates to reduce risk.

Transparency

XM provides detailed legal documents, execution statistics, and quarterly summaries available to clients, but does not publish public wallet addresses, real-time monthly financials, or explicit service-level agreements.

ABCC does not publish monthly transparency reports, nor does it provide publicly auditable wallet addresses or service-level guarantees; its transparency is limited to periodic announcements and standard user-facing FAQs without formal compliance reporting.

Deposits, Withdrawals, KYC & Support

Fiat Deposit Methods

XM accepts bank wires, Visa/MasterCard, and e-wallets like Skrill, Neteller, Google Pay, and Apple Pay; the minimum deposit is around $5; e-wallet/top-up deposits are instantaneous, cards take up to a few business days, and bank wires typically reflect within 1–5 business days.

ABCC allows fiat deposits via local bank transfers through trusted partners like Circle and Fomopay; card payments or e-wallets are not supported. After completing KYC, users bind their bank account in a few days, then funds typically take 1–5 business days to arrive. While ABCC doesn’t enforce a fixed minimum, successful transfers often start around the equivalent of $10.

Supported Fiat Currencies & Conversion

KYC (Verification Levels)

XM enforces a full KYC flow requiring identity, selfie, and proof of address before enabling deposits and withdrawals; there is no tiered access—full verification is mandatory to unlock all account functionalities.

ABCC operates a tiered KYC structure—Basic (no fiat or crypto deposits/withdrawals), Standard, Premier, and Prestige—with increasing withdrawal and deposit limits at each stage. The Basic level offers minimal functionality, while higher tiers unlock higher monthly and daily limits for both crypto and fiat flows.

Withdrawals

XM processes withdrawals via the same channel used for deposit (e-wallet, card, or wire), with processing typically within 24 hours and final receipt depending on method (e-wallets same day, cards/wires 2–5 business days); crypto networks aren’t used since XM operates via CFDs.

Crypto withdrawals are permitted once KYC’s completed, with limits aligned to your KYC tier; withdrawal times and fee rates depend on the chosen blockchain (e.g., ERC20 or TRC20) and network congestion, with no flat-rate cap visible to users prior to initiating a withdrawal.

Customer Support

XM provides multilingual support via live chat and email, reportedly operational 24/5 (depending on your region), with relatively fast response times and a rich repository of educational content and FAQs online.

Support is available via email and a ticket system through the Help Center—24/7 live chat isn’t offered. Users typically rely on FAQs and guides for immediate answers, with email responses generally provided within a few business hours to a day depending on volume.

Languages & Localization

XM supports Spanish-language interfaces and customer support, displays pricing in your account’s base currency (including EUR), and operates under local regulatory regimes to ensure compliance in each jurisdiction.

The platform is primarily in English, with pricing and fees displayed in USD; it lacks full localization into regional languages or regulatory-specific setups—so users outside major English-speaking markets might face interface and compliance gaps.

App Quality & Stability

XM’s mobile and web apps—built on the tried-and-true MetaTrader frameworks—are praised for reliable performance and regular updates; while exact crash data isn’t public, user feedback indicates smooth stability and ongoing enhancements.

ABCC doesn’t offer an official mobile app; instead, it operates via a responsive web interface optimized for mobile browsers. This avoids crash-related issues but means offline or dedicated-app functionality is not available.

Experience, Performance & Ecosystem

UX/UI

XM exclusively uses MetaTrader platforms—MT4, MT5, WebTrader, and mobile apps—without separate “Lite” or “Pro” versions. MT4 offers a smooth start for beginners, while MT5 brings deeper tools, though mastering either still requires some adaptation to their interfaces.

ABCC features a clean and intuitive interface that users—whether beginners or pros—find easy to navigate; however, it lacks explicit “Lite” or “Pro” interface modes, opting instead for a unified design with customizable dashboard elements that streamline access to tools and charts.

Performance

XM leverages MetaTrader’s known reliability, delivering fast executions with minimal delays—even during busy periods. While traffic surges or market jitters can slightly slow processes, major slowdowns are rare, and KYC flows remain consistent, avoiding backlog surges during bull runs.

The platform is built on a high-speed trading architecture that supports fast order execution, even during volatile markets, and its streamlined onboarding process helps avoid lengthy KYC delays—though official metrics for latency or queue times are not provided.

Education

XM provides a free demo environment with live-market simulation and unlimited practice funds. Educational resources include multilingual webinars, live trading rooms, and webinars—many available in Spanish alongside a full demo system for hands-on learning.

ABCC does provide helpful beginner guides within its Help Centre available in multiple languages—including Spanish—but it does not offer a trading simulator or demo account; instead, it focuses on written resources to guide users.

Community

XM fosters a growing community via its multilingual referral initiative—with cash rewards for both referrer and referee. While it lacks its own Discord or Telegram groups, it maintains active engagement through webinars, its “Refer a Friend” program, and content hubs.

ABCC engages its user base through official channels like Telegram and occasionally runs referral campaigns tied to trading incentives, although it doesn’t maintain a public forum or Discord, concentrating community interaction primarily through these social touchpoints.

Integrations

XM supports algorithmic automation via Expert Advisors within MetaTrader, but does not provide native TradingView integration, tax-report tools, or accounting dashboards—external utilities must be linked manually.

The trading interface is powered by native TradingView charts, enhancing technical analysis capabilities, but ABCC doesn’t offer integration with external trading bots, tax tools, or accounting platforms—it remains focused on core trading functionality.

Who Each One Is Best For

XM is perfect for traders who value platform flexibility and automation (via MT5/MT4), appreciate structured learning with multilingual education, and thrive in a regulated, straightforward CFD trading environment—without the need for fancy separate modes or built-in finance tools.

ABCC is best suited for traders who prioritize a straightforward, secure trading environment with real-time charting and fast execution—and who don’t rely on advanced educational features or third-party tool integrations—making it a solid choice for active spot traders seeking efficiency and simplicity.