BMW 520i vs BMW X3

What's the difference?

There’s no getting around the i5 being a rather expensive offering. More than $150,000 to get into an electric sedan that’s not much faster than a hot hatch is a big ask, but there’s plenty to enjoy about the 5 Series.

Things like its heated leather seats shouldn’t be the reason you’re willing to spend so much on a sedan when a $50,000 hybrid SUV will score you the same, instead it’s the fact the 5 Series is a delight to drive and hasn’t lost the feeling of prestige the badge has earned over the last half a century.

In terms of value - if speed isn’t your focus and you’re less of a gadget-type-operator when looking at cars like this - the 520i has the style and comfort you’d need and at $100K less than the M60.

And in terms of large electric sedans, the i5 eDrive40 is cheaper than a Porsche Taycan (by a little) or an Audi e-Tron (by a lot). The Genesis G80 Electrified is the closest cheaper rival, by about $10K, or the less powerful Mercedes EQE is similarly priced at $154,900.

Essentially, if you’re looking at a 5 Series, it might be worth considering if you really need it to be electric, but if so, there aren’t many alternatives in its category for the price.

Note: CarsGuide attended this event as a guest of the manufacturer, with meals provided.

This is a highly competent all-rounder, given that it has the comfort and practicality for urban family duties yet with its revered M breeding can produce a level of performance which, in competent hands, could hold its own at a track day where its capabilities could be safely explored.

If you’ve watched other members of the BMW family go into a new generation within the last few years - the 3, 4 and 7 Series particularly, you won’t be too surprised by what you see here. Especially with the latter, having seen the petrol variants look roughly the same as the electric ones.

BMW specifically made the petrol 520i and the i5 variants look similar for egalitarian purposes - to not disenfranchise 520i buyers who are still spending a fair chunk of cash but might not be ready to go EV.

That means all three variants score a mix of new and old. The kidney grille remains and isn’t as large as on the M3 or 4 Series, while the bonnet line following it and the ‘character line’ down the car’s side also remain. And yes, the Hoffmeister kink where the C-pillar meets the passenger window’s lower corner is still there.

On that C-pillar though is a ‘5’ stamped into the bodywork, new to this generation, while the front grille as mentioned has a glowing light surround - the brand’s ‘Iconic Glow’ already seen on the 7 Series.

Overall, thanks to being slightly larger in every dimension, the new 5 is starting to look bigger than a 7 Series from a little while ago. And that’s because it is - its body is overall longer than an E65 7 Series from the mid-2000s.

It’s 5060mm long 1900mm wide, 1515mm tall (97mm longer, 32mm wider, and 36mm taller). Its wheelbase is 20mm longer too at 2995mm. 

The fourth-gen X3, which has a lighter but stiffer body, shares the same wheelbase as its third-gen predecessor but at 4755mm end-to-end it's 34mm longer and it's 29mm wider.

It’s also 25mm lower, which combined with front and rear track-width increases and adaptive suspension damping to sharpen the handling underlines its sportiness and driver appeal, despite a substantial 2055kg kerb weight.

The new exterior design is characterised by short overhangs, flush door handles, a larger ‘split kidney’ grille, new LED taillights and L-shaped light elements for the LED headlights.

The new interior design is a classy mix of soft-touch materials and high-gloss hard surfaces in tastefully contrasting tones. The seats are upholstered in a new synthetic leather called 'Veganza' ('Espresso Brown' in our example) which according to BMW requires 85 per cent fewer CO2 emissions to produce than genuine leather (which is still available as an extra-cost option).

Combined with subtle use of ‘Magnolia’ fine-wood trim inserts, satin chrome, piano black, blue/red M highlights and slender ambient light-strips, it’s a cabin that exudes opulence.

A longer wheelbase means more space inside, where the 5 Series also still looks fairly familiar to those who have spent any significant time in a recent model BMW.

BMW has historically been pretty bang-on with ergonomics, and the new-gen 5 does a good job of sticking to that. Comfortable sports seats and quality feel for the materials on touch points mean the 5 Series feels nice to be in, and relatively restrained interior design for a somewhat luxurious car means it looks nice too.

It’s let down only by a couple of things - its multimedia screen and Operating System 8.5 is a little less simple to use now, and requires more touching the screen than previous iDrive systems, rendering the scroll wheel less useful.

The BMW Interaction Bar too is a little tricky to see controls on, as well as lacking physical feedback for using controls. Vent flow controls are digital sliders on the Bar, while vent direction is controlled by an unusual ‘joystick’ style control nearby.

The rear seat is plenty spacious, as you’d expect from a large sedan, with climate controls and ports for charging devices in the rear.

This would make a great family weekend escape machine, for which BMW quotes a 645kg payload rating. It’s also rated to tow up to 2500kg of braked trailer, which could pose a challenge given the relatively low 100kg tow-ball download limit (TBD is typically around 10 per cent of trailer weight).

BMW also does not publish a GCM figure (how much it can legally carry and tow at the same time) so we can’t confirm if it can carry its maximum payload while towing its maximum trailer weight.

Even so, the M50 has a useful-sized luggage area which offers up to 570 litres (or 0.57 cubic metres) of load volume with the rear seat upright.

This expands to 1700 litres (or 1.7 cubic metres) with the rear seat folded flat, which can be handy for a multitude of tasks like transporting a mountain bike or hauling home flat-pack furniture.

There’s comfortable space for the driver and front passenger, along with useful storage including large bottle-holders and bins in each front door.

The centre console has two small-bottle/cupholders plus wireless phone-charging and a pair of USB ports. There's also a glove box plus another box at the rear of the console with a padded lid that doubles as an elbow rest.

The rear bench seat is surprisingly spacious, given that I’m 186cm tall and when seated behind the driver’s seat in my position I still have about 40mm of knee clearance, which is optimised by the concave shape of the front seat backrests.

The spacious and airy feel is enhanced by the ‘panorama’ glass roof which spans the full length of the seating area and allows generous headroom even for tall people.  

However, shoulder room is tight for three adults and the centre passenger’s feet must contend with the transmission tunnel, so even though it would be fine for three kids we’d suggest a limit of two adults for longer trips.

Rear passengers get privacy glass and pull-up roller sunshades, large-bottle holders and bins in each door plus net-type pockets and anchorage points for media devices on each front seat backrest. There are also two small-bottle/cupholders in the fold-down centre armrest.

The rear of the centre console has two USB ports, adjustable air-vents plus controls for zone temperature, airflow preferences and seat-heating.

The bench seat features a 40/20/40 split, which allows the centre backrest to fold forward independent of the two outer backrests to allow long loads like snow skis, home hardware etc to be carried if securely fastened.

A power tailgate provides access to the luggage area, which is equipped with a handy 12-volt accessory socket plus load-anchorage points front and rear, extra storage nooks for small items on either side and a retractable roller-type load cover. Overall, this vehicle offers good practicality for family duties.

Our X3 M50 xDrive test vehicle, finished in new 'Dune Grey Metallic', comes standard with a 3.0-litre turbocharged inline six-cylinder petrol engine incorporating 48-volt mild-hybrid technology, plus an eight-speed automatic and permanent all-wheel drive for a list price of $128,900.

You’d expect a high performance prestige vehicle costing six figures would be packed with desirable standard features and the M50 xDrive delivers, starting with big 21-inch 'M' lightweight alloy wheels shod with wide 285/35R21 tyres.

However, there’s no room for a spare (not even a space-saver) so you get a tyre repair kit instead.

The standard equipment list also includes adaptive LED headlights (with matrix high-beam and blue design detailing), a power tailgate, an ‘Iconic Glow’ illuminated kidney grille with M-specific elements, quad exhaust outlets, a panorama full-length (fixed) glass roof, a choice of six premium metallic paint colours and more. The 'M Sport Pro' visual enhancement package is also included.

Step inside and the driver is treated to a head-up display and an elegantly curved digital dash display, which spans about two-thirds of the cabin's width. It seamlessly incorporates a 12.3-inch driver’s instrument display (made from recycled polyester) and 14.9-inch multimedia display controlled by BMW’s latest 'iDrive System 9' software.

Premium audio is provided by a 15-speaker 750-watt Harman Kardon surround sound system, which includes digital radio and wireless Apple/Android connectivity. There’s also wireless phone charging.

The driver gets a thick leather-rimmed and heated 'M Sport' flat-bottom steering wheel and the driver and front passenger are also treated to sumptuous bucket seats with multiple power adjustments and heating/cooling.

Up to three passengers can share the rear bench seat and indulge in the luxury of three-zone automatic climate control, heating for the outer seating positions, privacy glass, roll-up sunshades, two USB-C ports and lots more.

Despite BMW calling it ‘electrified’, the base 520i is only a mild hybrid so most wouldn’t realise unless they were told.

Its turbocharged 2.0-litre four cylinder puts out a modest 153kW and 330Nm, with power and torque sent to the rear wheels via an eight-speed automatic transmission.

BMW claims it’ll knock over the 0-100km/h sprint in 7.5 seconds, a few seconds too slow to blow anyone’s socks off.

The mid-spec eDrive40 has a little more kick to it, its rear-mounted electric motor capable of 250kW/430Nm and able to cut that time to 6.0 seconds.

It’s fitted with an 84kWh battery to draw its power from, the same as the 442kW/820Nm M60 with its all-wheel drive dual-motor setup.

The M-tuned i5 can hit 100km/h in a claimed 3.8 seconds. Bye bye socks, perhaps.

According to BMW, the M50 xDrive features the most powerful inline six-cylinder petrol engine fitted to an M Performance model.

This 3.0-litre unit clearly benefits from BMW’s twin-scroll turbocharging technology, which combined with variable valve timing and an extra 13kW/200Nm from the 48V mild-hybrid technology produces a stomping 293kW of power at 5500rpm and 580Nm of torque at 1900rpm.

It also has a ‘boost’ function, which provides an extra burst of power for short periods when maximum acceleration is required when overtaking etc.

It’s activated by the left paddle-shifter on the steering wheel and automatically optimises transmission/chassis settings to suit. There’s also a drive mode selector, with ‘Sport’ offering the most responsive and engaging experience.

The eight-speed torque converter automatic is a refined and efficient transmission well suited to this full-time all-wheel drive application. Rapid-fire manual shifting is also available using the steering wheel paddles.

BMW claims the petrol 520i sips 6.7 litres per 100km from its 60-litre fuel tank, though we were unable to independently test any of the claimed figures on the launch day.

The base car has a theoretical range of 896km if it was possible to achieve the claimed fuel consumption figure for the duration of the whole tank - but it isn’t and realistically you could knock about 20-30 per cent off that, depending on how enthusiastically you drive.

In the i5 variants, the same 84kWh battery provides slightly different ranges due to the eDrive40 using 16.56kWh per 100km, and the M60 using 18kWh.

The eDrive40 has a claimed 550km maximum range, while the M60 has a 506km figure thanks to its extra motor and weight.

BMW claims an official average combined consumption of 8.2L/100km but the dash display was showing 9.9 at the completion of our 210km test, which included a mix of suburban, city and highway travel.

Our own figure, calculated from fuel bowser and tripmeter readings, came in slightly higher again at 10.5L/100km, which given our test vehicle’s two-tonne-plus weight and performance capabilities is still reasonable economy.

So, based on our figures, you could expect a realistic driving range of around 600km from its 65-litre tank, which prefers premium 98 RON petrol.

For some cars, the list of features is what really separates the variants, but that’s not the case for the 5 Series. As is a bit of a BMW tradition, the drivetrains dictate the different trim levels and prices, and there are three fairly distinct flavours of 5 Series.

Starting at ground level, the 520i might at first seem like a bit of boring vanilla. Except it’s actually quite smooth and light vanilla.

There’s not a lot to write about when it comes to its drivetrain, but the lightness of its engine and petrol tank combo when compared to EV batteries and motors is refreshing, and makes for a quite dynamic rear-drive sedan.

Its 153kW and 330Nm is delivered smoothly enough with the mild hybrid assistance doing a little in helping responsiveness, but without intervening in the gearshifts it doesn’t feel particularly keen.

It lacks the ride comfort of the i5’s adaptive suspension, but it’s able to be driven in a spirited manner that belies its size and even, to some extent its 1725kg kerb weight. Chocolate sprinkles on the vanilla, if you like.

It’s not fast, but it feels nimble compared to its electric siblings and can carry a fair bit more speed through corners, after which there’s room to notice its rear-drive characteristics.

It’s especially noticeable after getting out of the 2130kg eDrive40, though the extra power from its 250kW/430Nm motor makes for some more spirited acceleration and a little more excitement when exiting a corner, especially if you’re aiming to double-check if it really is rear-wheel drive. There’s a little more than choc-topped vanilla going on here.

The steering is, like in the 520i, direct and responsive, though in most cases is probably best set to ‘comfort’ rather than ‘sport’ in its settings. 

The eDrive40 is rather comfortable and capable when barrelling through twisty backroads, and doesn’t feel out of hand for a five-metre-long sedan. It holds its weight well, and telegraphs when you might be approaching the limit quite sensibly.

When considering that, then, it’s impressive how brutally capable the 2305kg M60 is.

Here, we’re looking at a double-choc fudge with extra choc, and maybe some cookie dough in there for good measure. There’s a lot to like, but boy is it heavy.

It’s 580kg (or exactly half a Peugeot 208 GTi) heavier than the 520i, but it feels quick on its feet and its anti-roll seems to do a lot in terms of dynamics, the limiting factor really seems to be its tyres (which can and will squeal quite quickly to let you know when approaching said limit).

While you’ll need to take caution with how much speed you approach a corner with, you’re not going to lack acceleration on the other side, its all-wheel drive being less ‘fun’ but more efficient at getting you away from the bend than in the rear-drive eDrive40.

That adaptive suspension does also translate to a comfortable ride on relatively rough roads - only particularly bad bumps will reveal how much weight and pressure is being placed on each corner of the big sedan.

First, the fun stuff. It certainly feels like ‘the ultimate driving machine’ when you slide behind the chunky leather-rimmed flat-bottom steering wheel and hold it in your hands.

The driver’s seat offers not only powered adjustment of backrest and base-cushion rake, but also four-way lumbar support and side-bolsters that can tighten their embrace of your upper torso to contend with high cornering loads.

There’s also manual extension of the base-cushion length for greater thigh support and a big left footrest to brace against, so you could not ask for a more accommodating and purposeful driving position.

The steering is perfectly weighted and the quartet of enormous disc brakes provide ample bite with superb pedal feel. Combined with its adaptive suspension and wide grippy tyres, the X3 is a family car that’s also invigorating to drive, particularly when you select the ‘Sport’ mode.

The enhanced engine response and sharper steering that result (even the instrument panel display changes) make any twisting mountain road an engaging experience, enhanced by an intoxicating exhaust note that only a BMW M six can deliver.

The turbocharged engine offers an unyielding surge of acceleration from well below peak torque at 1900rpm to maximum power at 5500rpm, making BMW’s claim of 0-100km/h in a scant 4.6 seconds sound credible.

You can also manually change gears using the steering wheel paddles, but we found the gearing and shift calibrations so good that we preferred to leave it in auto mode.

However, the X3 M50 has two distinct personalities, as in more relaxed drive modes it’s just as happy serving as practical family transport during the week for grocery shopping, daily school runs and other common tasks.

It’s also a comfortable tourer for family getaways, with long gearing that requires only 1500rpm to cruise at 100km/h where low engine, tyre and wind noise allow highway conversations at lounge room levels.

No ANCAP rating as yet but this X3 comes with a long menu of standard safety features including multiple airbags, AEB with pedestrian/cyclist/junction detection, front collision warning with brake intervention, lane-keeping, active cruise control, head-up display with speed sign recognition, front and rear cross-traffic alert, tyre pressure monitoring and lots more.

There are also ISOFIX and top tethers for the two outer rear seating positions.

BMW has a fairly industry-standard five-year/unlimited kilometre warranty on its new cars, while its electric car batteries are covered by an eight year/160,000km warranty.

For servicing, BMW offers numerous discounted packs and deals based on your preferences and desire to pay upfront.

For the 5 Series, a five-year/80,000km basic service package is $2400, though the i5 will have different needs and lower servicing costs not yet listed by the brand.

It comes standard with a five-year, unlimited km warranty.

Scheduled servicing is determined by BMW’s vehicle monitoring system which advises when a service is needed, typically around 12 months/15,000km.

A capped-price servicing package covering five years/80,000km (whichever occurs first) totals $2475, or an average of $495 per service.