XM offers four account types: Micro (from $5, 1K lots), Standard (from $5, 100K lots), Ultra Low (from $50, tighter spreads), and Shares (from $10,000, stock CFDs). Exness offers five: Standard (from $1), Standard Cent (from $1, cent lots), Pro (from $200, instant execution), Raw Spread (from $200, 0.0 pips + commission), and Zero (from $200, zero spread on top pairs). Exness has more variety for advanced traders with their Raw and Zero accounts, while XM's Micro account is ideal for beginners. The best beginner account is XM Micro; the best advanced account is Exness Raw Spread.
For the full analysis, see our related comparison.
For the overall picture, check our complete XM vs Exness comparison, which covers regulation, spreads, platforms, and deposits in one place. Also see our beginner's guide if you are just starting out.
All Account Types Compared
| Account | Broker | Min Deposit | Spread | Commission | Execution | Best For |
|---|---|---|---|---|---|---|
| Micro | XM | $5 | 1.0 pips | None | Market | Absolute beginners (micro lots) |
| Standard | XM | $5 | 1.0 pips | None | Market | General trading |
| Ultra Low | XM | $5 | 0.6 pips | None | Market | Tighter spreads without commission |
| Zero | XM | $100 | 0.0 pips | $3.50/side | Market | Scalpers, active traders |
| Standard | Exness | $10 | 0.6 pips | None | Market | General trading |
| Standard Cent | Exness | $10 | 0.6 pips | None | Market | Micro risk (cent lots) |
| Raw Spread | Exness | $200 | 0.0 pips | $3.50/side | Market | Lowest spread cost |
| Zero | Exness | $200 | 0.0 (30 pairs) | $3.50/side | Market | Major pair focus |
| Pro | Exness | $200 | 0.1 pips | None | Instant | No slippage, experienced traders |
Which Account Type Matches Your Profile?
Complete Beginner ($5-100 deposit)
Best choice: XM Ultra Low. $5 minimum, 0.6 pip spreads, no commission, $30 bonus. Start here, learn the platform, build confidence. The Ultra Low account is XM's best value proposition.
Intermediate Trader ($100-500 deposit)
Best choice: Exness Standard. $10 minimum, 0.6 pip spreads, no commission. Exness's faster execution and higher leverage give you better trading conditions as your skills develop. Or XM Zero ($100 minimum) if you want raw spreads.
Active/Professional Trader ($500+ deposit)
Best choice: Exness Raw Spread or Pro. Raw Spread for lowest total cost. Pro for zero slippage (instant execution). Both require $200 minimum but offer professional-grade trading conditions.
EA/Bot Trader
Best choice: Exness Raw Spread. Lowest execution cost combined with fast execution speed. EAs that scalp need tight spreads and fast fills — Exness Raw Spread delivers both.
Account Type That Does Not Exist Elsewhere
Exness Pro Account deserves special attention. It is the only account among both brokers that offers instant execution — your order fills at the displayed price or is rejected. No slippage, ever. The 0.1 pip spread with zero commission makes it cost-competitive with raw spread accounts while providing price certainty. No other major broker offers this combination.
Exness Standard Cent is also unique — trades are in cent lots (1 cent lot = 0.01 standard lot). A $10 deposit acts like $1,000 in a cent account. Perfect for testing strategies with real money but minimal risk.
Verdict: Account Types
Overall winner: Exness. More variety (5 types vs 4), unique offerings (Pro and Cent accounts), and competitive pricing across all tiers. XM wins for absolute beginners with its $5 minimum and $30 bonus. For everyone else, Exness account types offer better conditions.
Ready to Start Trading?
Open a free account with either broker and test them yourself.