Revolutvs
XMStock Broker Comparison
Revolut and XM face off over cost models, ownership formats, and global access under regulation.
Who should choose Revolut vs XM?
Find out which stock broker best suits your investing profile.
Choose if…
Choose Revolut if you want real shares with dividends, all housed in a single app.
Choose if…
Choose Revolut if you value commission-free trading on Premium, Metal, or Ultra tiers, plus fractional shares starting from $1. Choose XM if you want access to a broad universe of share CFDs across 1,200+ stocks traded on global exchanges, with 24/7 multilingual support. Choose XM if you need extensive educational content and strong regulation through CySEC, ASIC, KNF, ASF, and FSC, plus client protection.
Verdict by Trader Profile
Which broker wins for each type of stock trader, based on costs, safety, features, and editorial scoring.
Best for low cost trading
Revolut vs XM: Side-by-Side Stock Broker Comparison
 |  | |
|---|---|---|
| Editorial score | 3.8/ 5 | 3.7/ 5 |
| Min deposit | N/A | $5 |
| Spreads from | N/A | 0.6 pips |
| Commission / lot | N/A | N/A |
| Inactivity fee | None | $5/month (after 90 days) |
| Deposit fee | Free |
Revolut vs XM Stock Broker Pros & Cons
Pros
- Banking, payments, and fractional stock investing in a single app
- 2,000+ US and EU stocks with fractional shares from $1
- Real share ownership (not CFDs) with dividend payments
- FCA regulated (UK) with FSCS protection up to GBP 85,000
- Unlimited commission-free trades on Premium/Metal/Ultra plans
Cons
Revolut vs XM: Detailed Category Breakdown
A closer look at the specific criteria each broker meets or misses within each scoring category.
2
Revolut
criteria wins
5
XM
criteria wins
Highlighted rows show where the two brokers differ
| Criteria | Revolut | XM |
|---|---|---|
| Trust & Regulation | ||
| Top-tier regulator (FCA, ASIC, SEC, etc.) | Pass | Pass |
| Segregated client funds | Pass | Pass |
| Negative balance protection | Fail | Pass |
| Compensation scheme (e.g. FSCS, SIPC) | Pass | Pass |
| Costs | ||
| Commission-free trading | Pass | Fail |
| No deposit fee | Pass | — |
| Features | ||
| Fractional shares | Pass | Fail |
| Dividend reinvestment (DRIP) | Fail | Fail |
| Extended hours trading | Fail | Fail |
| IPO access | Fail | Fail |
| Short selling | Fail | Pass |
| Stock screener tool | Fail | Fail |
| Support | ||
| Mobile app | Pass | Pass |
| Advanced charting tools | Fail | Pass |
| 24/5 live chat | Fail | Pass |
| Phone support | Fail | Pass |
Revolut vs XM: Frequently Asked Questions
The scores are close: Revolut rates 3.8/5 and XM rates 3.7/5. Revolut has a marginal edge in our scoring, but the difference is small enough that your specific priorities — fees, platforms, or regulatory jurisdiction — should guide the final choice.
XM starts from 0.6. Current spread data is not available for Revolut. Check both brokers' websites for up-to-date spread and commission pricing.
XM requires $5. Minimum deposit information is not currently available for Revolut.
Both Revolut and XM hold licences from top-tier regulators, indicating a high standard of regulatory oversight. Check each broker's specific regulatory bodies to confirm coverage in your jurisdiction.
For beginners, XM provides negative balance protection, capping losses at your deposit amount. Also compare demo account availability and educational resources on each broker's site before deciding.
XM lists maximum leverage of 1000:1. Available leverage depends on your jurisdiction. EU retail clients under ESMA rules are capped at 1:30 on major forex pairs.
Revolut supports Proprietary Web/Mobile, while XM supports MetaTrader 5, MetaTrader 4. Revolut has exclusive access to Proprietary Web/Mobile. XM has exclusive access to MetaTrader 5 and MetaTrader 4.
Revolut offers commission-free stock trading while XM does not according to our data. Commission-free trading can reduce costs for frequent traders. Always confirm the current fee structure directly on each broker's website.
Both Revolut and XM are covered by a compensation scheme according to our data, providing an additional safety net for your stock investments. Confirm the specific scheme and coverage limit that applies to your account before depositing.
