BMW 428i vs BMW X5

What's the difference?

The 4 Series line offers three distinct points of difference from the more traditional 3 Series, each with their own attraction. The sharpening of the sticker prices and the additional spec helps their cause as well, with the 430i Coupe probably our pick of the range. The 440i is the firecracker of the group, while the 420d is also worth a look, thanks to its value and prodigious torque output.

This is a luxurious prestige five-seater brimming with BMW’s latest design and technology that’s not only practical for weekly family duties but can also embrace spirited driving with the push of a button. A great all-rounder for families that like a sporty edge. 

No external changes to the 4 Series' bodywork have been affected  for  this midlife refresh, but there have been plenty of tweaks to the standard equipment offerings right across the board.

The latest front-end design features subtle revisions to BMW’s signature 'kidney' grille theme, highlighted by slimmer matrix LED headlights with chevron-shaped DRLs that incorporate the turn indicators.

There’s also an ‘iconic glow’ function, which illuminates the twin-grilles at night in-sync with the external courtesy lights when approaching and departing the vehicle. Lower front air-intake and tail-light treatments have also been revised.

The dash features a new curved instrument panel. Based on BMW’s latest generation 'iDrive' operating system, it consists of a 12.3-inch driver’s info display and 14.9-inch control display presented across the same seamless glass surface.

The control display’s touchscreen functionality has allowed dash buttons and switches to be minimised.

This new design dash has a blend of synthetic leather trim and dark brown/high-gloss woodgrain surfaces, along with new LED ambient lighting and gear-selector design.

The rear seat is sumptuous and spacious, even for someone my height (186cm). There’s ample knee and headroom and it can seat three kids in comfort, but for adult passengers wanting that 'business class' feel it would be ideal for two.

My only criticism of the new instrument display is that with more than 30 applications displayed on the expansive control screen, it can be distracting at times trying to visually locate and operate these functions while driving.

And, depending on sun angle, there were also complaints from different front seat passengers on different days about blinding glare caused by the dash’s high-gloss woodgrain inserts. Fortunately, the driver is unaffected by these reflections.

Two-doors are never the most practical devices, but the 4 Series Coupe and Convertible duo make a decent fist of it for front-seat passengers. There are bottle holders in both doors and a pair of cupholders in the centre console, along with a large lockable glovebox.

The centre bin is, however, quite shallow, and houses the car's single USB port inside it. There is covered storage under the dash for smaller items, and a small rubber-lined tray that the current crop of phones has outgrown.

The rear seating in the Coupe is reduced to almost a formality, especially if the front seat passengers are tall and the front seats are set back, while the sloping roofline reduces head space quite considerably. A centre armrest contains a pair of cupholders, and there are small side pockets.

Rainy conditions precluded us from trying the Convertible's metal folding roof, but the rear seat space restrictions also apply here. Its 370 litres of boot space is roomy enough for a drop-top, while a clever lifting function raises the folding roof structure up by about 300mm to allow luggage to be stowed under the panels when the roof is down. Capacity drops, though, to just 230 litres.

The Gran Coupe, on the other hand, is the most practical car in the entire 3 and 4 Series line-up outside of the 3 Series Touring wagon. With a large, flat load area, and a hatch-like tailgate, the Gran Coupe can swallow 480 litres of gear with the seats up and an impressive 1300 litres with the seats lowered.

Face-level rear vents, more head and backseat legroom – not to mention the fact you don't have to squeeze into the rear past the front seat – makes the Gran Coupe a most useful device, and it's little wonder it's the most popular variant of the three.

With its 2165kg kerb weight and maximum allowable weight of 2885kg, our test vehicle can legally carry up to 720kg.

That should be ample for five adults (even better for kids) and their luggage, of which up to 100kg can be carried on the roof rails using a rack or roof box (both in BMW's accessory range).

Powered upper and lower tailgates provide good access to the luggage area, which is carpeted and equipped with a roll-out privacy screen, load securing hooks, a 12-volt accessory outlet and a first-aid kit stored behind a removable side panel.

The space-saver spare and tools are stored below the hinged load floor, so all luggage must be removed to access them.

Internal luggage space with the rear seat upright is 650 litres (0.65 cubic metres) which expands to 1870 litres (1.87 cubic metres) with the rear seat folded flat.

A useful load-carrying feature when the rear seat’s backrest is upright is a hinged centre section that folds forward and flat to carry long and narrow items.

These can stretch all the way from the tailgate to the dash if need be, which could be handy for carting anything from skis to home hardware purchases (firmly secured, of course).

It’s also rated to tow up to an impressive 3500kg of braked trailer, which matches the class benchmark for one-tonne utes.

However, given that tow-ball download (TBD) is usually around 10 per cent of trailer weight, the X5’s maximum TBD rating of only 140kg could be a challenge if 3500kg towing is required.

Front of cabin storage includes a big bottle-holder and bin in each front door, a glove box and on the right-hand side of the dash a pull-out driver’s bin, both of which are felt-lined.

The centre console, in addition to its wireless phone-charging pad, USB-A port and 12-volt outlet, has two small-bottle/cupholders up front and a large box at the rear, housing a USB-C port and topped by a padded dual 'brochure fold' lid that double as an elbow-rest for driver and front passenger.

Rear seat storage includes a large-bottle holder and bin in each door and pockets on each front seat backrest. The rear of the centre console has two storage nooks for small items in addition to its air-vents, two USB-C ports and a 12-volt outlet. There’s also a handy tablet-mount and USB-C port on each front seat backrest, which is great for long trips.

Folding down the rear seat’s centre armrest reveals two pop-out small-bottle/cupholders. And under its hinged lid is a hidden felt-lined compartment that’s ideal for storing slim screened devices away from prying eyes.

Our test vehicle, to use its full name, is the X5 xDrive 40i M Sport. That breaks down to xDrive (intelligent all-wheel drive) and 40i (3.0L turbo in-line petrol six) with eight-speed automatic transmission.

M Sport denotes a package that's included as standard equipment which contains desirable goodies like enormous multi-piston M Sport brakes/adaptive suspension/aerodynamics, M leather-rimmed steering wheel, high-gloss black roof-rails and more.

All up, the list price is $138,900. However, our example has an optional ‘Enhancement Package’ which for another $6000 adds your choice of selected 22-inch alloy wheels (fitted with 275/35 R22 Continental tyres on ours), a tyre pressure monitoring system, metallic paint ('Skyscraper Grey' on ours), Harman Kardon 16-speaker surround-sound audio and 'Crafted Clarity' glass application (glass-handled shifter).

And this is on top of many standard features including three-zone climate control, automatic two-piece tailgate, digital radio, a head-up driver display, adaptive LED headlights with high beam assist, a panoramic full-length sunroof, wireless Apple/Android integration, 'Verino' quilted synthetic leather upholstery, numerous USB ports/12v outlets and more. However, there’s only a space-saver spare.

Numerous options include self-levelling air suspension, 'Merino' leather upholstery, active seat ventilation and massage functions, thermo-adjustable cupholders, LED-illuminated ‘sky lounge’ panoramic glass sunroof and Bowers & Wilkins premium surround sound to name a few.

There are two new petrol engines, two new badges and prices cuts of up to $10,000 right across the board for the line-up, along with additional standard equipment that improves the value equation even further.

The line kicks off with the 420, which can be had in either diesel or petrol guise. The 420i gains BMW's new B48 2.0-litre four-cylinder turbo petrol engine, which gains 5kW over the old motor to produce 135kW and 270Nm.

It also benefits from slightly improved fuel economy, with a drop of 0.3 litres per 100km for the Coupe and 0.5 for the Gran Coupe to 5.8L/100km, and a fall of 0.2L for the Convertible to 6.2L/100km.

The 420d retains its 140kW, 400Nm 2.0-litre four-cylinder turbo diesel engine, which returns 4.3L/100km in the fixed roof cars and 4.7L/100km for the Convertible.

The 430i – formerly known as the 428i – also receives the new 2.0-litre petrol engine, albeit in a 185kW/350Nm tune. Its fuel economy drops a healthy 0.6L for the Coupe and Gran Coupe and 0.4L for the Convertible, posting figures of 5.8 and 6.3L/100km respectively.

The top-spec 435i has been transformed into the 440i with the addition of BMW's new Twinpower 3.0-litre straight six petrol motor. Its output jumps 15kW to 240kW and by 50Nm to 450Nm, and its consumption falls by more than half a litre to 6.8 litres per 100km for the closed-roof pair and 7.2L/100km for the Convertible.

All cars come standard with a 'traditional' ZF eight-speed torque converter automatic transmission with steering wheel paddles as standard fitment, while a six-speed manual gearbox is a no-cost option across the line.

The X5 xDrive40i is powered by BMW’s legendary 3.0-litre DOHC 24-valve in-line six with state-of-the-art technology.

This includes twin-scroll turbocharging, variable valve/camshaft timing and 48-volt mild hybrid technology (delivering up to 9.0kW and 200Nm) using an electric motor integrated with the transmission.

The combined effect is optimised power and throttle response (0-100km/h in 5.4 secs) with minimal fuel consumption and Euro 6d emissions.

It produces 280kW between 5200-6250rpm and 520Nm of torque (this can reach 540Nm with hybrid input) across a remarkably wide and flat peak torque band between 1850-5000rpm, which showcases its flexibility. There’s also auto start-stop and selectable drive modes.

This is paired with BMW’s smooth and sharp-shifting eight-speed torque converter automatic, which combines the best characteristics of a dual-clutch and traditional torque converter transmission.

There’s overdrive on the seventh and eighth gears to optimise fuel economy and the choice of rapid manual-shifting using the steering wheel paddles.

Power reaches its wide tyres through the xDrive intelligent all-wheel drive system, which actively varies the engine’s torque distribution between the front and rear wheels to optimise traction at all times.

BMW’s ‘Efficient Dynamics’ also includes brake energy regeneration with recuperation display and many other standard features to enhance driving safety and efficiency.

Our brief test loop on a rainy, blustery Melbourne winter's day in all three model types (but no diesel) netted varying fuel consumption readings across the line; we recorded 8.4L/100km in a 420i sedan against a claimed figure of 5.8, 9.8L/100km for the 430i Gran Coupe against a claimed figure of 5.8L/100km, and 8.4L/100km against the 440i Gran Coupe's 6.8L/100km.

BMW claims combined average (WLTP) fuel consumption of 9.9-8.5L/100km. Our 415km test comprised a mix of suburban and highway driving and when we stopped to refuel the dash display was showing 10.2L/100km which was line-ball with our own 10.6L/100km figure, calculated from fuel bowser and tripmeter readings.

So, based on our figures, you could expect a realistic driving range of around 780km from its 83-litre tank using standard 91-octane petrol.

BMW introduced a raft of tweaks to the 3 Series platform late last year, which have translated over to the 4 Series. The key addition across the line is BMW's two-stage adaptive dampers that feature a Sport and a Comfort circuit, fitted as part of the M Sport pack that comes standard on the 430 and 440, and is a $2600 option on the 420.

Larger 19-inch rims are fitted to the 430i and 440i cars, while the 420 gets 18s out of the box. It's possible to fit 18s on the more expensive cars, as part of the no-cost Luxury option pack that supplants the standard M Sport pack.

While our test was brief and held in less than ideal road conditions, the large-wheeled 4 Series really didn't enamour themselves to this author. There's a distinct lack of communication from the tyres and chassis through the steering wheel and your backside, while the combination of firm Sport shocks and large 19-inch wheels with narrow-section tyres made for an uncomfortable ride over country roads.

Sampling a 420i with the Luxury 18-inch rims, however, improved things immensely, with much better feedback and comfort that didn't come at the expense of handling.

One of BMW's strong points should be its steering, given all the 3 and 4 Series cars are still rear-wheel-drive… but it's not, unfortunately. The electrically assisted set up is far from perfectly calibrated, feeling too dull and digital underhand, no matter what the setting.

The pick of the bunch performance wise is – logically – the six-cylinder 440i. The turbo powerplant is potent from right down the rev range, with a muted yet still pleasing engine note permeating the cabin. The self-shifting mode on the eight-speed auto does a good job of keeping up as well.

The updated 2.0-litre four is a sprightly performer, too.

It’s supremely comfortable, with front bucket seats that offer powered-adjustment of height, reach and backrest angle along with side bolsters that can tighten their grip of your upper torso.

There’s also two-way lumbar support, that adjusts not only how far it pushes your spine forward but also allows that pressure point to be raised or lowered.

Combined with its power-adjustable leather-rimmed steering wheel, it would be hard not to find a comfortable driving position.

Eyelines to all mirrors are good and over-shoulder blind-spots are minimal. Front and rear occupants can talk without raised voices thanks to low engine, wind and tyre noise at highway speeds.

As you’d expect, it has high build quality and a tangibly solid feel as though it was machined from a single block of steel, from the satisfying thuds of its closing doors to the absence of shudders or rattles on a variety of roads.

It also has two personalities, which can be switched in an instant. In 'Comfort' mode it will happily cruise around city and suburbs as a mild-mannered family car, fulfilling daily duties like work commutes, school drop-offs and pick-ups, supermarket shopping and the like.

However, flick the drive mode to 'Sport Plus' and you awaken, well, if not ‘the ultimate driving machine’ then something close.

Its optimised drivetrain and handling settings feel more like a sports sedan than a family car, which can turn any winding mountain road into an engaging experience.

It has impressive reserves of cornering grip and braking force, combined with sparkling engine response and fast sequential manual-shifting at your fingertips.

It feels impressively agile, with all-round response that belies its 2.0-tonne-plus kerb weight, backed by a symphony of sounds from its sublime in-line six.

Five-star ANCAP (awarded in 2018) includes front and side airbags for driver and front passenger, plus head airbags for front and rear seats.

The comprehensive 'Driver Assistant Professional' active safety menu includes AEB (city, interurban and vulnerable road user) and a multitude of others.

It also has 'Parking Assist Professional' and for young families there are ISOFIX child seat anchorages on the two outer rear seating positions and top-tethers for all three.

BMW offers a Service Inclusive program at the time of purchase, which for $1340 covers everything – including items like spark plugs, brake fluids and other fluids - for five years or 80,000 km scheduled. The cars are also covered by a three-year free roadside servicing program, in addition to BMW's two year, unlimited kilometre warranty.

BMW covers the X5 with a five year/unlimited km warranty and offers several service plans to suit different budgets and requirements.

For example, the 'Service Inclusive Basic' package covers all scheduled services over five years/80,000km for a total of $3450, or an average of $690 per year.