XM review

2 licensed entities · xm.com

✓ Checked Oct 15, 2026Large share of business via offshore entities

3.4/5

highest: Forex in Germany

48 Market Signal

CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

Market Signal

Moderate

Market Signal

✓ Real data

Computed from Ahrefs + Semrush data about XM’s own website. Not an assessment of the broker itself: it makes up half of the Coinish Score and never changes the Editor Rating. How this works →

Market strength

Where it stands today

Momentum

39 Cooling ↓

Where it’s heading

Data confidence

Medium

How much to trust it

Traffic strength
56
Search visibility
31
Authority
64
Brand & market presence
62

Tick mark = category average.

Compared with 87 tracked trading platforms. Data through September 2026, pulled Oct 15, 2026.

Which entity serves you

The company you sign up with depends on where you live. Its regulator decides your protections.

Entity	Regulator	Licence	Serves	CFD loss %
Trading Point of Financial Instruments Ltd	CySEC Tier 2	120/10	EEA (EU passport) stated by the broker	75.12% Oct 6, 2026
XM Global Limited	FSC Belize Tier 3 (offshore)	8557558	Rest of world named on the regional site	–

Entity

Regulator

Licence

Serves

CFD loss %

Trading Point of Financial Instruments Ltd

CySEC

Tier 2

120/10

EEA (EU passport)

stated by the broker

75.12%

Oct 6, 2026

XM Global Limited

FSC Belize

Tier 3 (offshore)

8557558

Rest of world

named on the regional site

–

Editor Rating

3.4/5

Editor Rating · Forex in Germany (Trading Point of Financial Instruments Ltd)

Computed from verified facts only, with published thresholds. 100% of the rating weight is backed by data. Method →

Regulation & safety 25%
2.0
Trading costs 25%
5.0
Markets & products 15%
3.0
Platforms & tools 10%
3.0
Deposits & withdrawals 10%
4.8
Account options 5%
3.0
Support 10%
3.0

Country	Product	Entity	Access	Rating
Germany	Forex	Trading Point of Financial Instruments Ltd	EU passport	3.4/5
Germany	CFDs	Trading Point of Financial Instruments Ltd	EU passport	3.4/5
Netherlands	Forex	Trading Point of Financial Instruments Ltd	EU passport	3.4/5
Netherlands	CFDs	Trading Point of Financial Instruments Ltd	EU passport	3.4/5
Italy	Forex	Trading Point of Financial Instruments Ltd	EU passport	3.4/5
Italy	CFDs	Trading Point of Financial Instruments Ltd	EU passport	3.4/5
Spain	Forex	Trading Point of Financial Instruments Ltd	EU passport	3.4/5
Spain	CFDs	Trading Point of Financial Instruments Ltd	EU passport	3.4/5
Austria	Forex	Trading Point of Financial Instruments Ltd	EU passport	3.4/5
Austria	CFDs	Trading Point of Financial Instruments Ltd	EU passport	3.4/5
Croatia	Forex	Trading Point of Financial Instruments Ltd	EU passport	3.4/5
Croatia	CFDs	Trading Point of Financial Instruments Ltd	EU passport	3.4/5
Portugal	Forex	Trading Point of Financial Instruments Ltd	EU passport	3.4/5
Portugal	CFDs	Trading Point of Financial Instruments Ltd	EU passport	3.4/5
Cyprus	Forex	Trading Point of Financial Instruments Ltd	Locally licensed	3.4/5
Cyprus	CFDs	Trading Point of Financial Instruments Ltd	Locally licensed	3.4/5

Country

Product

Entity

Access

Rating

Germany

Forex

Trading Point of Financial Instruments Ltd

EU passport

3.4/5

Germany

CFDs

Trading Point of Financial Instruments Ltd

EU passport

3.4/5

Netherlands

Forex

Trading Point of Financial Instruments Ltd

EU passport

3.4/5

Netherlands

CFDs

Trading Point of Financial Instruments Ltd

EU passport

3.4/5

Italy

Forex

Trading Point of Financial Instruments Ltd

EU passport

3.4/5

Italy

CFDs

Trading Point of Financial Instruments Ltd

EU passport

3.4/5

Spain

Forex

Trading Point of Financial Instruments Ltd

EU passport

3.4/5

Spain

CFDs

Trading Point of Financial Instruments Ltd

EU passport

3.4/5

Austria

Forex

Trading Point of Financial Instruments Ltd

EU passport

3.4/5

Austria

CFDs

Trading Point of Financial Instruments Ltd

EU passport

3.4/5

Croatia

Forex

Trading Point of Financial Instruments Ltd

EU passport

3.4/5

Croatia

CFDs

Trading Point of Financial Instruments Ltd

EU passport

3.4/5

Portugal

Forex

Trading Point of Financial Instruments Ltd

EU passport

3.4/5

Portugal

CFDs

Trading Point of Financial Instruments Ltd

EU passport

3.4/5

Cyprus

Forex

Trading Point of Financial Instruments Ltd

Locally licensed

3.4/5

Cyprus

CFDs

Trading Point of Financial Instruments Ltd

Locally licensed

3.4/5

Key facts

Products	Forex, CFDs
Owner	Trading Point Holdings Ltd
EUR/USD all-in cost	Not verified yet
Inactivity fee	Not verified yet
Withdrawal fee	None
Minimum deposit	$5 (Trading Point of Financial Instruments Ltd)
Instruments	1,000+
Platforms	MetaTrader 4, MetaTrader 5
Deposit methods	Not verified yet
Withdrawal time (stated)	processed within 24 hours (1 business day) once verified
Demo account	Yes
Support	live chat · 24/7

Ready to look at XM? Check which company would serve you before you open an account.

Visit XM

Sources (18)

Licence / entity · broker's own site · archived copy of xm.com · Sep 29, 2026
“Trading Point of Financial Instruments Ltd is licensed by CySEC under license number 120/10.”
Licence / entity · broker's own site · archived copy of xm.com · Oct 2, 2026
“Trading Point of Financial Instruments Limited provides investment and ancillary services to residents of the European Economic Area (EEA).”
Licence / entity · broker's own site · xm.com · Oct 6, 2026
“XM Global Limited is regulated by the Financial Services Commission (FSC) of Belize under the Securities Industry Act 2021 (license number 8557558).”
Licence / entity · broker's own site · archived copy of xm.com · Oct 2, 2026
“All accounts offer negative balance protection , hedging and Islamic option as standard.”
Licence / entity · broker's own site · archived copy of xm.com · Oct 2, 2026
“75.12% of retail investor accounts lose money when trading CFDs with this provider”
Licence / entity · broker's own site · archived copy of xm.com · Oct 2, 2026
“Minimum Deposit $5 Get Started Show More”
Accounts · broker's own site · archived copy of xm.com · Oct 2, 2026
“Use your Demo Account and test your trading strategies risk-free with virtual funds”
Accounts · broker's own site · archived copy of xm.com · Oct 2, 2026
“All accounts offer negative balance protection , hedging and Islamic option as standard.”
Support · broker's own site · xm.com · Oct 6, 2026
“Whenever you need us we're just a few seconds away, 24/7, in extensive language options.”
Licence / entity · regulator register · cysec.gov.cy · Oct 6, 2026
“CySEC register of Cypriot investment firms: Trading Point Of Financial Instruments Ltd, Licence Number 120/10”
Markets · broker's own site · archived copy of xm.com · Oct 7, 2024
“Over 1000 Instruments, including Stock CFDs, Stock Indices CFDs, Forex, CFDs on Precious Metals and CFDs on Energies.”
Support · broker's own site · archived copy of xm.com · Oct 7, 2024
“XM Live Chat”
Platforms · broker's own site · xm.com · Oct 6, 2026
“PLATFORMS MT4 Platform MT5 Platform”
apps · broker's own site · apps.apple.com · Oct 14, 2026
“Trading Point Holdings Ltd”
apps · broker's own site · play.google.com · Oct 14, 2026
“Trading Point Group”
Costs · broker's own site · xm.com · Oct 6, 2026
“Instant Withdrawals Get your funds easily and pay no fees.”
Owner · broker's own site · xm.com · Oct 15, 2026
“XM is part of Trading Point Holdings Ltd and operates several entities”
Funding · broker's own site · xm.com · Oct 15, 2026
“XM processes withdrawal requests within 24 hours (1 business day), once account verification is completed”