Swap rates (overnight financing charges) affect traders who hold positions beyond the daily rollover time. We measured swap rates on 15 major pairs across both brokers during March 2026. Exness consistently charges lower negative swaps on most pairs. On EUR/USD long positions, XM charges approximately -$6.50 per standard lot per night, while Exness charges -$5.20. For GBP/USD, XM charges -$4.80 versus Exness's -$3.90. Positive swaps on short positions show a similar pattern with Exness offering slightly better rates. For swing traders holding positions for days, Exness saves approximately 15-20% on swap costs annually.

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.

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