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Head to head

LiteFinance (LiteForex) vs XM

LiteFinance (LiteForex) is licensed by CySEC in the European Union. XM is licensed by CySEC in the European Union, DFSA in the United Arab Emirates (DIFC) and FSCA in South Africa. The licence that applies to you depends on where you live, so check which company you would contract with before comparing anything else.

Minimum deposits start at $50 at LiteFinance (LiteForex) and $5 at XM. Both offer negative balance protection and segregated client money.

Facts last checked: LiteFinance (LiteForex) on 20 October 2026, XM on 20 October 2026.

LiteFinance (LiteForex) profileXM profile
Broker 1
Broker 2
Broker 3

Monthly cost uses the account chosen in each slot: cost per lot × your lots. Swap and other fees are extra. The lowest monthly cost is highlighted only as a fact about cost, not as a recommendation.

Broker
LiteFinance (LiteForex)Strictly regulatedRead the profile
XMStrictly regulatedRead the profile
Comparing
LiteFinance (LiteForex)European Union
XMEuropean Union

Overview

Founded
Not yet checked
2009
Headquarters
Limassol, Cyprus (EU company)
Not yet checked
Official websites
  • litefinance.org
  • liteforex.eu
  • liteforex.pl
  • xm.com
  • trading-point.com
Facts last checked
20 October 2026
20 October 2026

Regulation and protection

Company you would contract with
Liteforex (Europe) Ltd
Trading Point of Financial Instruments Ltd
Regulator
CySEC
European Union
CySEC
European Union
Regulation level
Strictly regulated
Strictly regulated
Licence number
093/08
Check the register
120/10
Check the register
Clients this company serves
Residents of the EEA (the EU site also lists the UAE and the Marshall Islands)
Residents of EU and EEA countries (CySEC lists xm.com and trading-point.com as its approved domains)
All licences held
  • CySEC (European Union)
  • CySEC (European Union)
  • DFSA (United Arab Emirates (DIFC))
  • FSCA (South Africa)
Segregated client money
Yes
Yes
Negative balance protection
Yes
Yes
Compensation scheme
Investor Compensation Fund (Cyprus) for eligible retail clients of Liteforex (Europe) Ltd
ICF (Cyprus) for eligible clients of Trading Point of Financial Instruments Ltd; none named for XM Global Limited

Costs

Your monthly cost
No accounts listed
No accounts listed
Cost per lot (EUR/USD)
No accounts listed
No accounts listed
Spread from
No accounts listed
No accounts listed
Typical EUR/USD spread
No accounts listed
No accounts listed
Commission per lot (round turn)
No accounts listed
No accounts listed
Typical GBP/USD spread
Not yet checked
Not yet checked
Typical USD/JPY spread
Not yet checked
Not yet checked
Typical XAU/USD spread
Not yet checked
Not yet checked
Swap-free account
Not yet checked
Yes

Leverage and margin

Maximum retail leverage
1:30 on major pairs for EU retail clients (ESMA rules); global leverage not checked
Up to 1:1000 (XM Global Limited); EU retail clients are limited to 1:30 on major pairs
Retail leverage by asset class
  • Major currency pairs: 1:30 (EU company)
  • Other currency pairs, gold and major indices: 1:20 (EU company)
Not yet checked
Margin call level
100% (EU company)
Not yet checked
Stop-out level
50% (EU company)
Not yet checked

Account

Minimum deposit (this account)
No accounts listed
No accounts listed
Base currencies
No accounts listed
No accounts listed
Execution
No accounts listed
No accounts listed

Platforms and features

Platforms
  • MetaTrader 4
  • MetaTrader 5
  • MetaTrader 4
  • MetaTrader 5
  • XM App
Markets
Currency pairs, stock indices, commodities and share CFDs (NYSE and Nasdaq)
Currency pairs, indices, commodities and share CFDs; real shares on the Shares account
Demo account
Yes
Yes
Copy trading
Not yet checked
Yes
Expert advisors (automated trading)
Yes
Yes
News trading allowed
Yes
Not yet checked
Guaranteed stops
Not yet checked
Not yet checked

Deposits and withdrawals

Deposit methods
  • Visa and Mastercard cards
  • Bank transfer
  • E-payment systems
Not yet checked
Withdrawal fee
Card payments are processed with 0% commission and LiteForex says it refunds deposit fees on all methods (EU company)
Not yet checked
Inactivity fee
€3 a month on dormant accounts (EU company)
Not yet checked

Support

Customer support
24-hour support by live chat
Not yet checked

Our notes

Strengths
  • EU company licensed by CySEC since 2008, with Cyprus Investor Compensation Fund cover
  • Negative balance protection on both EU account types
  • $50 minimum deposit and a choice of MT4 or MT5
  • Low minimum deposit of $5 on the Standard and Ultra Low accounts
  • Negative balance protection on all accounts, according to XM's account page
  • EU clients can contract with a CySEC-licensed company (licence 120/10)
Watch out for
  • Says LiteFinance Investment Limited holds Mauritius FSC licence GB20025921; we could not confirm it on the FSC Mauritius register on 2026-10-20, because the register blocked our access
  • Clients outside the EEA deal with LiteFinance Global LLC, a St Vincent and the Grenadines company with no financial licence
  • litefinance.org could not be reached from our network on 2026-10-20, so we have not checked the global company's accounts, leverage or fees
  • Dormant EU accounts are charged €3 a month
  • XM's global site names XM Global Limited, which it says is regulated by the FSC of Belize (licence 8557558). We could not confirm this licence on the Belize FSC's online register on 2026-10-20, so we do not list it.
  • Leverage of up to 1:1000 on the global site magnifies losses as much as gains
  • The Standard account is marketed with deposit bonuses; read the bonus terms before you accept one
  • XM no longer holds a UK licence (the FCA register shows its passport as cancelled) and its former Australian company now trades as Trading.com Markets

Risk warnings

The buttons to a broker’s website above the table are partner links: we may earn a commission if you open an account through them. That never changes the facts shown here. Trading leveraged products such as forex and CFDs carries a high risk of losing money rapidly, and most retail accounts lose money. Each broker’s own warning:

  • XM: Risk Warning: Our services involve a significant risk and can result in the loss of your invested capital.

Open this comparison in the full tool to share a link with your own accounts and companies chosen.

Other head-to-head pages

Cost per lot is the typical EUR/USD spread in busy hours × $10, plus any round-turn commission, for one standard lot. “Not yet checked” means we have not confirmed that fact yet. This page compares facts; it does not rank the brokers or recommend either. Confirm costs and licences on each broker’s site and the regulator’s public register before opening an account: see how we review brokers and check a broker yourself.

Nothing on this page is financial advice. Read the full disclaimer.

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