BMW X3 vs Volkswagen T-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.

There are so many new little SUVs out there and it might be easy to think they’re all the same - a tiny cheap SUV is just a tiny cheap SUV. But I’m convinced the Volkswagen T-Cross isn’t like the others.

Yes, it’s tiny and relatively cheap, but it can do more than most of the others from the storage and space it offers to the value-for-money and its level of refinement. Then there’s the way it drives - which can’t in my books be matched by any of its rivals.  

The sweet spot in the range is the entry grade Life. At $35K drive-away the value is best and with no difference in engines between the grades there are no huge reasons to step up higher in the range unless you have the money.

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

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 T-Cross is Volkswagen’s smallest SUV at 4.1m long and even though it’s closely related to the little Polo hatchback it looks more like a mini version of the Tiguan.  

It might be tiny and relatively affordable but it has Volkswagen’s premium looks and sharp styling, with creases in the panels so crisp it looks like somebody just ironed it.

This update has brought new front and rear bumper designs, and new styling to the LED running lights and tail-lights. That’s typically how car companies do exterior design updates, inside the styling changes are pretty minimal, too.

There’s new dashboard design and new media screen, but again the design and quality feels refined and high quality, which I can't say goes for a lot of this car's rivals.

The entry-grade Life misses out on the cross design tail-lights of the Style and R-Line, and gets hubcaps rather than alloy wheels like the other two grades.

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.

You really should take a look at my video to get an idea of how good space and storage is in the T-Cross. I’m tall at 189cm but I can drive with plenty of elbow room and legroom. The front seats also have really long bases which offer great under-thigh support, too.

Legroom in the back is great for the class and I can sit behind my driving position without my knees touching the seatback, while headroom is excellent, too. The second row also slides on rails to increase the boot side which is enormous for the class at 455L.

The second row doors also have large apertures making entry and exit easier.

Cabin storage is great with giant door pockets in the front and back, a wireless phone charger with four USB-C ports (two in the front and two in the second row).

There are three grades in the T-Cross line up, the entry level Life which lists for $33,990, the Style for $37,490 and at the top of the range is the R-Line for $40,990.

At the time of the launch of this updated T-Cross, Volkswagen was doing drive-away pricing of $34,990 for the Life, $39,990 for the Style and $43,990 for the R-Line.

Compared to rivals like the Mazda CX-3 and Toyota Yaris Cross, a drive-away price of $35K for the Life is excellent and $40K for the Style is also a good deal, especially when you look at the healthy standard features list.  

Coming standard on the Life are LED headlights, black roof rails and power folding mirrors, there’s a leather steering wheel, a digital driver display (which is new, too), there’s an 8.0-inch media screen, wireless phone charging, air con, digital radio, Apple CarPlay and Android Auto.

Stepping up into the Style grade adds 17-inch alloys wheels, matrix LED headlights - those are new - chrome-look roof rails, an LED grille strip, proximity unlocking, dual-zone climate control, sat nav, and a new, larger digital driver display. The Style also gets the fancy 'cross' LED tail-lights like the R-Line grade above it.

The R-line is a new model sitting at the top of the line-up and it comes with sporty R-Line exterior styling plus 18-inch alloy wheels and dark tinted rear windows. Inside there’s R-line interior styling, 'Drive Modes' and a Beats sound system.

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.

The T-Cross has a 1.0-litre three-cylinder engine which sounds tiny and it is, but it's turbo-charged and the 85kW/200Nm it produces is plenty of grunt to move this little SUV which at just under 1.3 tonnes is relatively light. 

All grades in the T-Cross line-up have this same engine and there’s no high-performance variant, although the R-Line has selectable drive modes. Every T-Cross is front-wheel drive with a seven-speed dual-clutch auto transmission. 

This three-cylinder is a mighty little beastie with a growly tone to it. There is some turbo lag during stop-start city driving, but it’s so eager to play that if it was a dog it’d be a Jack Russell with every intention to chase anything it sees but no idea how small it is.

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.

Smaller engines use less fuel than larger ones and the 1.0-litre three-cylinder in the T-Cross is little and Volkswagen says over a combination of open and urban roads it uses 5.6L/100km.

That’s fuel efficient but these days larger SUVs with hybrid systems are achieving the same low consumption. Toyota’s Yaris Cross is available with a hybrid system and will use about 3.8L/100km.

Volkswagen doesn’t have a hybrid version of the T-Cross, but it should, especially given these little cars will spend more time in urban environments where fuel consumption will generally be higher.

That said, most tiny SUVs don’t have hybrid systems so that makes the Yaris Cross exceptional while the T-Cross is about average.

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.

Quite possibly the best little SUV to drive for this price and size, the only drawback is that there’s a touch of lag in the time it takes the power to arrive at low speeds in stop-start traffic, but that can be remedied by putting the transmission in 'Sport' mode.

The steering is light and accurate, the visibility is excellent thanks to the big windows and raised ride height, the pedal feel under your feet is great and the brakes are responsive.

The car feels stable, planted and secure whether it's on a motorway, or a winding country road, while the little 1.0-litre engine is a champion that keeps punching with a throaty growl that matches its enthusiasm.

The seven-speed transmission is superb and changes gears fast, while the paddle shifter lets you take control to keep the revs high.

These little SUVs aren't sports cars but some are so underwhelming to drive it feels like performance was never thought about while developing the vehicle.

But the T-Cross made me grin until my face hurt on the steep winding hairpin filled roads we tested it on at its launch. 

The T-Cross was given the maximum five-star ANCAP rating in 2019. What is truly great is that on every grade you’ve got AEB, adaptive cruise control, lane keeping assistance, rear cross-traffic alert, manoeuvre braking, plus front and rear and parking sensors. 

For child seats there are three top tether anchor points and two ISOFIX points in the second row.

A space saver spare wheel can be found under the boot floor.

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 T-Cross is covered by Volkswagen’s five-year unlimited kilometre warranty.

Servicing is recommended every 15,000km or yearly and while there’s no capped price servicing you can buy a five-year plan for $2800, which equates to $560 per workshop visit.