eToro 與 XM 比較

本比較完全建立在兩家經紀商各自公布的資料之上——牌照皆已於官方註冊系統比對，條款均引用其官網原文，每一項說法都附有來源連結。

	eToro	XM
監管機構	FCA · CySEC · ASIC · ADGM FSRA · MAS · FSA Seychelles · FinCEN · SEC / FINRA · Gibraltar FSC	CySEC · FSC · DFSA
執照編號	FCA FRN 583263 (eToro (UK) Ltd) CySEC 109/10 (eToro (Europe) Ltd; MiCA licence granted Jan 2025) ASIC AFSL 491139 (eToro AUS Capital Limited) ADGM FSRA Financial Services Permission 220073 (eToro (ME) Limited) MAS CMSL CMS101824 (eToro Singapore Pte. Ltd.) FSA Seychelles SD076 (eToro (Seychelles) Ltd) FinCEN NMLS ID 1769299 (eToro USA LLC) SEC / FINRA SEC 8-70212, FINRA CRD 298361 (eToro USA Securities Inc.) Gibraltar FSC 1333B (eToro X Limited, DLT provider)	CySEC 120/10 FSC not printed on public register (XM Global Limited listed as Active, categories: Trading in Securities as Principal; Arranging transactions in Securities, registration period 2026) DFSA F003484
成立年份	2007	2009
最低入金	$10	$5
EUR/USD 點差低至	1 pip (single retail live account; published "Currencies From 1 PIP — EUR/USD 1 Pips" at etoro.com/trading/fees/cfd-spreads/)	"spreads as low as zero" (Zero Account); EURUSD-specific from-figure not published on public pages
槓桿		CySEC (Cyprus): Up to 30:1, depending on instrument FSC Belize: Flexible leverage up to 1000:1
波灣入金方式
交易平台	eToro proprietary web platform, eToro mobile app	MetaTrader 4, MetaTrader 5, XM App
經紀商官方宣稱	Email confirming withdrawal status within 2 business days of the request; receiving funds may take up to 10 business days depending on method — eToro Money: instant; credit/debit card: up to 10 business days; bank transfer: up to 10 business days; PayPal/Neteller/Skrill/Trustly/iDEAL: up to 2 business days. [資料來源]	Withdrawal requests are processed instantly by our Artificial Intelligence Back Office System, based on algorithmic parameters. You'll receive your money immediately, or on the same day your request is executed. Withdrawals via bank wire, credit or debit card usually take 2-5 business days to reach your account. [資料來源]
出金方式	eToro Money (instant), Credit/Debit card, Bank transfer, PayPal, Neteller, Skrill, Trustly, iDEAL	Credit/debit cards, Electronic payment methods (e-wallets), Bank wire transfer, Local bank transfer
加密貨幣出入金	否	否
伊斯蘭帳戶	是	是
本站實測	測試進行中	測試進行中
接受下列地區客戶	United Kingdom, Australia, Singapore, United Arab Emirates, Germany, Italy	Germany, Italy, United Arab Emirates, Kenya, Saudi Arabia, Malaysia, Turkey, China, Taiwan, Thailand, Vietnam, Indonesia
	開設帳戶	開設帳戶

我們不在此評定勝負。兩份紀錄並列陳示，是因為正確答案取決於你身在何處、交易什麼商品，以及由哪一個法人為你開戶——這些表格裡都寫得清楚。

依國家/地區

• eToro + XM: United Arab Emirates, Germany, Italy
• eToro 是 / XM 否: United Kingdom, Australia, Singapore
• XM 是 / eToro 否: Kenya, Saudi Arabia, Malaysia, Turkey, China, Taiwan, Thailand, Vietnam, Indonesia