BMW X3 vs Toyota Yaris Cross

What's the difference?

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.

The Toyota Yaris Cross Urban is a city-savvy SUV that’s easy to park, nimble in traffic, and relatively fun to drive. It’s cute as a button on the outside, but the cabin doesn’t quite match the price, and some of the tech feels a little behind the times compared to rivals. The hybrid powertrain definitely earns it points but is it worth the jump in price over its rivals? A hesitant yes, because who doesn't like efficiency? But it needs a cabin upgrade to stay truly competitive in our market.

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.

The Yaris Cross is genuinely adorable. It's compact enough to slip into tight city spaces, yet proportioned well enough that it never looks toy-like. Its upright stance gives it a bit of attitude, and the chunky black plastic moulding around the base actually works in its favour, adding a tough, almost adventurous edge.

The rear is one of its best angles, with crisp LED tail-lights and a clean, sculpted shape that gives it more presence than you’d expect from something this small.

Inside, though, things don’t climb to the same heights. There’s a lot of hard plastic throughout, and while the synthetic leather and cloth upholstery looks decent, it doesn't elevate the space. The tech is well positioned and the layout is tidy, making it a pleasant cabin overall but there’s an unmistakable sense of 'nice, but not quite enough,' especially given what you’re paying.

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.

The front row is easily the best place to be, with the most comfort and creature comforts on offer. Only the driver’s seat is powered, and the controls not the most intuitive to use but both seats have decent padding and single-level heating that makes longer drives more bearable. The new centre armrest feels like an afterthought as it sits too low and tilts too far forward to be truly comfortable.

The rear row is cosy and realistically suited to two adults. Behind my driving position (I’m 168cm), there’s enough knee and head room, but the smaller door apertures may make loading child seats a bit fiddly. You do get two ISOFIX points and three top tethers, but two seats will fit best. My nine-year old loves how light the doors are to open and close, though he isn’t thrilled about the taller windowsills as they block a fair bit of the outside world for smaller passengers.

Storage is better than expected up front with a mid-size glovebox, a storage tray underneath the air-vents and climate control panel. There are two cupholders and drink bottle holders in each row and the rear also gets a single map pocket.

The 8.0-inch media display shares is straightforward to use and the touchscreen is responsive. It’s easy to connect to the wireless Apple CarPlay and it maintained a steady connection all week. The basic sound system can sound a bit tinny when you’re full-pelt on the highway but is otherwise sufficient.

You miss out on a wireless charging pad on all grade levels, which I really missed, and the only two USB-C ports in the car are up front.

Boot space depends on the drivetrain. The front-wheel-drive Urban has a decent 390L, which feels competitive. The Stonic can take 352L. The all-wheel-drive version offers less at 314L, which is smaller than the Juke (422L).

In real-world terms, groceries, school gear and my son’s extracurricular chaos all fit without complaint. You also get an adjustable boot floor, a temporary spare wheel (not always a given in a hybrid) and a powered tailgate for extra convenience.

The Yaris Cross range spans four grades, and for this review we’re in the second-from-the-top Urban. The GR Sport is technically the flagship, but the Urban feels like the smarter pick as it carries most of the premium features without climbing the price ladder just to wear a GR badge. A badge that doesn’t mean as much here as it does elsewhere in Toyota’s line-up. A GR performance hot hatch it is not.

Priced from $36,930 before on-road costs, the Urban front-wheel drive is pricier than some of its closest rivals. The Nissan Juke Ti is a touch pricier at $37,940, while the Kia Stonic GT-Line is a much cheaper $32,480. Both competitors also offer rear USB ports, and the Juke adds dual 12.3-inch displays and a much larger boot, so the premium you’re paying here really comes down to the Urban’s hybrid powertrain.

Other hybrid rivals include the freshly launched Suzuki Fronx (from $28,990) or the slightly larger Chery Tiggo 4 hybrid ($34,990 drive-away for the Ultimate).

This model-year update brings a modest bump in equipment, now including wireless Apple CarPlay and Android Auto, cloud-based satellite navigation, an armrest up front and illuminated vanity mirrors.

The practical bits are covered with a powered driver’s seat, keyless entry, push-button start, a temporary spare tyre, single-zone climate control, and a powered tailgate.

A few bougie touches like the cloth/synthetic leather mix and heated front seats help lift the cabin, too.

Tech-wise, you get an 8.0-inch touchscreen, a 7.0-inch digital instrument cluster, a coloured head-up display, digital radio, Bluetooth, steering-wheel controls and a 360-degree camera system. A standard audio setup rounds things out.

All up, it’s got enough but only just.

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.

All Yaris Cross variants share the same 1.5-litre three-cylinder hybrid setup, producing 85kW of power combined and 120Nm of torque from the petrol engine. Toyota does not provide combined torque figures for its hybrid powertrains.

On paper, those numbers look a bit anaemic but in practice the hybrid system does a good job of masking the low torque. Around town, it feels livelier than you’d expect, with that electric assist giving it just enough punch to feel almost spritely off the line.

Our test car is the front-wheel-drive version, but you can opt for all-wheel drive for a couple of grand extra.

Compared with rivals, the Yaris Cross lands in an interesting middle ground. The Nissan Juke makes 84kW of power, while the Kia Stonic sits at 74kW.

And that’s really where the critique lands, because while the Yaris Cross feels zippy and eager at low speeds thanks to the hybrid boost, once you’re outside the city the torque deficit becomes harder to ignore. Overtaking and keeping up to speed aren’t the real issues - it’s more that the engine starts to whine like it’s under a bit of duress when you ask for more.

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.

The Urban FWD has an impressively low claimed combined fuel consumption of 3.8L/100km, and with its 36L fuel tank, you’re looking at a theoretical driving range of up to 950km, which isn't bad for an urban trawler. In real-world use, including longer highway trips and everyday city errands, I averaged 4.4L/100km, which is still very efficient.

By comparison, the Nissan Juke Ti uses 5.8L/100km with a 46L tank, while the Kia Stonic GT-Line sits at 5.4L/100km with 45L. The Chery Tiggo 4 Hybrid uses 5.4L as well.

The Yaris Cross not only sips fuel but makes the most of its smaller tank, which means the hybrid powertrain wins this round.

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.

Power delivery is crisp and punctual, and while the engine can sound strained when you push it on the open road, it rarely translates into any noticeable lag. You won’t feel deep reserves of power, but there’s enough to keep up with traffic and overtake when needed.

Ride comfort is better than expected, with suspension that soaks up smaller bumps, and it corners confidently without too much body roll. The cabin picks up a lot of road noise, and there’s an annoying electric whine at lower speeds but it's easily drowned out with music.

Steering is on the lighter side but remains responsive, making the Yaris Cross genuinely easy to drive. It would make a great first car, or a simple, fuss-free choice for an older couple.

Visibility is excellent, giving you a solid sense of the car’s dimensions which is a big help when manoeuvring and that's even before you look at the 360-degree camera feed. Add in the small 10.6m turning circle, and parking this SUV is almost effortless. If you struggle, it’s not the car’s fault.

The Yaris Cross has a maximum five-star ANCAP safety rating from testing done in 2021 and has eight airbags, including a front centre airbag, which is good for the segment. It scores well across individual assessment sections with an 86 per cent for both adult and child protection, 78 per cent for vulnerable road user and 82 per cent for its safety assist systems.

There is a healthy suite of safety equipment including lane keeping aid, traffic sign recognition, blind-spot monitoring, safe exit assist, rear cross-traffic alert, and auto high beam. There are also seatbelt reminders (audio/visual), two ISOFIX child-seat mounts and three top-tether anchor points.

The adaptive cruise control is fairly well calibrated, although it can occasionally slow down too much on a corner, and none of the safety systems are annoyingly intrusive. A welcome change as it’s been a while since I’ve been in a car that hasn’t yelled at me.

The Yaris Cross has autonomous emergency braking (AEB) with car, pedestrian, cyclist and intersection detection which is operational from 10 - 180km/h but it is more common to see this feature operate from 5.0km/h.

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.

The Yaris Cross comes with Toyota’s five-year/unlimited kilometre warranty, extendable up to seven years if you stick to servicing at a Toyota centre. That makes it more competitive as the Nissan Juke offers a 10-year term and the Kia Stonic comes standard with seven years.

Servicing is also straightforward and affordable, thanks to Toyota’s five-year capped-price program, with each service costing just $255. Intervals are well spaced at every 12 months or 15,000km, whichever comes first.