XM is the comparison-site default for a reason: $5 minimum, big marketing budget, decent license. Just know the standard-account spreads are paying for the marketing.
| Pair | Typical | Min | Swap long | Swap short |
|---|---|---|---|---|
| EUR/USD | 0.6 | 0.5 | -3.42 | 0.18 |
| GBP/USD | 0.9 | 0.7 | -2.10 | -0.50 |
| USD/JPY | 0.5 | 0.4 | 0.45 | -3.20 |
| XAU/USD | 2.4 | 2.0 | -8.10 | 4.20 |
| BTC/USD | 14.0 | 10.0 | — | — |
Typical = vendor-published average on the primary account type, our canonical per-broker number. Min = lowest hourly snapshot over 30 days. Swap = overnight financing cost (negative = you pay). See methodology for live vs typical vs 30-day definitions.
Pick a pair to see the 30-day spread for XM Group against the industry median across the other brokers we track.