XM vs Crypto.com: Fees, Security, Features & Which to Choose (2025)

Trying to choose between XM and Crypto.com 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

Crypto.com

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Available Countries

United States

Europe

Yes

Latin America

Yes

India

Yes

China

Yes

Canada

United Kingdom

Yes

United States

Yes

Europe

Yes

Latin America

Yes

India

China

Yes

Canada

Yes

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).

Crypto.com is ideal if:

Mobile-first crypto explorers: Ideal for users who want a sleek, all-in-one app experience—from buying and managing assets to using a crypto debit card for everyday spending.
Feature-curious investors: Great if you're looking for a platform that layers advanced options—staking, NFTs, lending, and even a customizable trading exchange—on top of a beginner-friendly interface.
Security-conscious users: Well-suited for those who value robust safeguards, including enterprise-grade certifications and a strong regulatory footprint across major markets.

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.

Crypto.com isn’t ideal if:

Pure “buy & hold” investors: If your goal is simply to purchase and store crypto long-term, you might find other platforms more straightforward and less overloaded with extra features.
Desktop-first users: Some key functions—like card purchases—are only accessible via the mobile app, potentially limiting functionality for desktop-heavy users.
Entry-level traders with low volume: If you place small or occasional market orders, you may find the effective trading costs less competitive compared to more entry-volume friendly platforms.

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.

Spot trading fees follow a tiered structure where higher 30-day trading volumes and staking of the native CRO token unlock progressively lower maker and taker rates, rewarding both liquidity providers and token holders.

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.

Derivatives fees—including for perpetuals and futures—use maker/taker pricing and also incorporate funding rate costs, with potential zero maker fees or rebates available depending on CRO stake levels.

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.

On deep liquidity pairs like BTC/USDT or ETH/USDT, spreads are kept narrow to reflect an efficient order book, though the exact difference between bid and ask may vary with market conditions.

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 can be moved via bank transfers or cards, with most basic deposit methods being essentially fee-free on the platform side and withdrawals varying by method; processing times range from near-instant to a few business days depending on the option.

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.

When sending crypto externally, fees are determined per chain and typically set at a fixed amount rather than variable, with different values depending on the network—for example Bitcoin, Ethereum, or other supported assets.

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.

Unadvertised charges may arise from non-native currency conversions, inactivity penalties if accounts are unused over long periods, or paying for expedited identity verification services when needed.

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 buy crypto worth roughly €500, you’d incur a small combined cost from order execution (dependent on order type and liquidity), a modest spread for execution price, and then any withdrawal fee when sending the asset off-platform—pulling these factors together gives a realistic cost overview for a typical user.

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.

Crypto.com lists over 400 cryptocurrencies and supports more than 600 trading pairs overall, with the most active among them—including major tokens like BTC, ETH, USDT, USDC, BNB, ADA, XRP, SOL, DOGE, and MATIC—regularly comprising its top 20 by volume.

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.

The platform supports a wide array of services

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.

Crypto.com maintains deep liquidity across its markets, with spot order books for BTC and ETH particularly robust—though precise 24-hour volumes and depth figures fluctuate, the Exchange manages high throughput and tight market depth for its most liquid pairs.

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.

A full suite of order types is available—including limit, stop-loss, take-profit, and OCO orders—alongside native TradingView integration for enhanced charting, advanced bot tools (DCA, TWAP, grid, arbitrage), and a high-performance API/WSS infrastructure covering spot, margin, and derivatives trading.

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.

Certain regions face product limitations—derivatives and margin trading may be restricted or unavailable depending on jurisdiction, whereas spot trading and earning services are broadly accessible but vary by local regulation.

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.

Crypto.com continues to expand with creative offerings like crypto launchpad or launchpool-style events for new token releases, and flexible vs locked earn options that let users choose between liquidity or higher yields—reflecting a commitment to innovation in user engagement and passive strategies.

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.

Crypto.com is managed by Foris DAX Asia (a Singapore-based company), with its global operations dating back to 2016 and headquarters located 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 is compliant across major regions—registered as a Virtual Asset Service Provider (VASP) in Spain, holding MiCA authorization through its Maltese entity, and operating under regulatory approvals in the UK, Cyprus, France, Singapore, Australia, Canada, and the US, among others.

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.

Crypto.com employs client-segregated custody with advanced MPC-based secure holdings, offers bankruptcy-remote vaults, and undergoes regular audits with transparent architecture—while explicit proof-of-reserves remains internal.

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.

Its U.S.–based Custody Trust benefits from a robust insurance policy of around USD 120 million covering cold-storage assets and potential theft, supported by Lloyd’s underwriters and arranged by Aon.

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.

In early 2022, Crypto.com experienced a hack resulting in about $15 million in Ether taken; withdrawals were briefly paused and later restored, with no client funds lost, and there have been no major subsequent breaches publicly reported.

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 platform enforces strong protections like mandatory 2FA, withdrawal whitelists, anti-phishing mechanisms, API permissions, role-based access, and optional sub-accounts to maintain granular control and mitigate unauthorized access.

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.

Client assets are maintained in separate, auditable wallets with structural segregation; while public monthly audits or visible SLAs are not routinely published, the architecture reflects operational transparency and institutional-grade security standards.

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.

You can fund your account via bank transfer, credit/debit cards, Apple Pay, or Google Pay; minimum and maximum thresholds vary by method and region, ranging from low single-digit amounts up to substantial daily and monthly caps; fund arrivals can be instant (cards/e-wallets) or take several hours to a few business days (bank transfers).

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.

Users can engage with limited features before KYC; completing full KYC (identity and selfie upload) unlocks higher transaction thresholds and full access to platform services—lower tiers impose strict withdrawal and product restrictions.

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.

Withdrawals are subject to minimum amounts per coin and daily caps (e.g., around 10 BTC per 24 h); supported networks include ERC-20, TRC-20, BEP-20, etc., and processing times depend on both network congestion and method—crypto withdrawals may take minutes to over an hour.

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.

Help is available via 24/7 in-app chat and email, with typical resolution times varying by query complexity; a detailed knowledge base supports self-help for tutorials and FAQs.

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 supports native Spanish alongside other languages, displays fees and balances in local currencies such as €, and adapts features based on regional regulatory frameworks for better local relevance.

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.

The mobile app is routinely updated and regarded as stable and performant; although official crash-rate metrics aren’t public, regular releases and smooth UX improvements indicate robust maintenance and reliability.

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.

The platform shines with clear organization and user-friendly navigation, designed to welcome newcomers while offering deeper controls—premium users benefit from a more advanced interface, akin to a “Pro” mode, though there’s no explicitly separate branded version.

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.

Crypto.com generally offers swift order execution under normal market conditions, with strong platform resilience, though unsurprisingly, major volatility spikes can slightly increase latency and lead to temporary delays in KYC verification high-traffic periods.

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.

While Crypto.com offers a variety of educational materials, including guides and announcements, native Spanish content is mostly limited to community posts and localized support updates rather than a dedicated academy or trading simulator in Spanish.

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.

The ecosystem includes vibrant official communities on Discord and Telegram—supportive spaces for updates and peer help—as well as referral incentives, but there’s no central copy-trading or reward-sharing program.

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.

Crypto.com integrates with TradingView on its interface, supports native automated tools like DCA and grid bots, and links to external accounting or tax tools; full support for third-party bot platforms is expanding

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.

Beginners appreciate the intuitive onboarding design and helpful community, while intermediate users benefit from advanced charting, automation tools, and the hybrid feel of a “Lite-to-Pro” progression—pro traders may find other services with more dedicated Pro-tier offerings fit their needs better.