XM minimum deposit (2026)

These are XM's own words from the pages linked on each line. Where XM gives a different minimum for one account, it is part of the quoted line above.

XM lists these accounts: Standard, Ultra Low, Shares (plus a free demo account). Its minimum deposit wording names the conditions: "$5 (Standard and Ultra Low; XM Global; Shares account $10,000)". The cheapest account to open is not always the cheapest to trade on: accounts with a raw spread usually charge a commission per lot, and commission-free accounts carry the cost in a wider spread. XM's commission wording: "Zero commission (as stated on its home page; check the Ultra Low and Shares account terms)".

XM lists these deposit methods: Credit/Debit Cards, Bank Transfers, Local Transfers, E-wallets. What you see in your account area depends on your country and the XM entity. On deposit fees XM says: "No (XM charges no deposit fees)". Account currencies: Deposits in any currency are converted into the account's base currency (base currency list not published on the pages we read). Funding in the same currency as your account avoids a conversion charge from your bank.

A minimum deposit opens the account; it does not make a small account safe. With leverage (XM lists "up to 1000:1 (XM Global Limited)"), a small balance can be closed out by a short move against you. Most retail CFD accounts lose money; check XM's own figure on its website before you trade. Practise on a demo account first and work out your risk per trade with the position size calculator.

Minimum withdrawal: $5 (varies by payment method). Withdrawal fees: No (XM charges no withdrawal fees; it covers its bank's fees on international wires of $200 or more). XM's published times: Processed instantly; bank wire and cards usually 2-5 business days to arrive. Withdrawal times reported by verified XM traders appear on the XM review once enough have reported.

Which XM company opens your account depends on where you live. If you live in the EU, the UK, Australia, South Africa, Kenya, the UAE or Qatar, our link only goes to a XM entity licensed for your country, and where there is none we show no link. We show no sign-up links at all in India and in other countries where promoting offshore brokers is not allowed. Check each licence on the regulator's register before you deposit.

Before you choose, put XM next to its closest rivals: XM vs Exness, XM vs HFM, XM vs Eightcap. Our country pages list XM for South Africa, Kenya, the UAE, Germany, France.