eToro 对比 XM

本对比完全基于两家经纪商各自公示的资料——牌照均已在官方注册系统中核对，条款均引自其官网原文，每一项说法都附有来源链接。

	eToro	XM
监管机构	FCA · CySEC · ASIC · ADGM FSRA · MAS · FSA Seychelles · FinCEN · SEC / FINRA · Gibraltar FSC	CySEC · FSC · DFSA
牌照编号	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 点差低至	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
杠杆		CySEC (Cyprus): Up to 30:1, depending on instrument FSC Belize: Flexible leverage up to 1000:1
海湾入金方式
交易平台	eToro proprietary web platform, eToro mobile app	MetaTrader 4, MetaTrader 5, XM App
经纪商官方宣称	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. [数据来源]	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. [数据来源]
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
加密货币出入金	否	否
伊斯兰账户	是	是
我们实测	测试进行中	测试进行中
接受以下地区客户	United Kingdom, Australia, Singapore, United Arab Emirates, Germany, Italy	Germany, Italy, United Arab Emirates, Kenya, Saudi Arabia, Malaysia, Turkey, China, Taiwan, Thailand, Vietnam, Indonesia
	立即开户	立即开户

我们不在此评出胜负。两份记录并排陈列，是因为正确答案取决于你身在何处、交易什么品种，以及由哪个主体为你开户——这些表格里都写得清清楚楚。

按国家/地区

• 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