XM Fees
What XM charges: spreads and commission by account type, deposit and withdrawal fees, processing times and the inactivity fee.
Deposit fee
None
Withdrawal fee
Free for cards and e-wallets in most cases; bank wire withdrawals below a minimum amount may carry a small fee
Inactivity fee
$15 after 12 months of inactivity, then $5/month
What does XM charge?
XM quotes EUR/USD from from 1.1 pips on its Standard/Micro account. 5 of the 5 payment methods listed take deposits free of charge.
Typical spreads
| Instrument | Account | Spread | Commission |
|---|---|---|---|
| EUR/USD | Standard/Micro | from 1.1 pips | None |
| EUR/USD | Zero | from 0.3 pips | $3.50/lot/side |
| GBP/USD | Standard/Micro | from 1.3 pips | None |
| GBP/USD | Zero | from 0.9 pips | $3.50/lot/side |
| XAU/USD | Standard/Micro | avg 5.5 pips (as low as 4.0 pips) on GOLD, per XM's precious metals pricing table; XM quotes gold in 0.01 increments | None |
| US30/Index | Standard/Micro | avg 5.5 points on US30Cash, per XM's equity indices pricing table | None |
| BTC/USD | Standard/Micro | avg 50.00 (USD) on BTCUSD, per XM's cryptocurrencies pricing table | None |
Deposit & withdrawal fees
| Method | Deposit fee | Withdrawal fee | Processing time |
|---|---|---|---|
| Bank transfer | Free | Free | 1-3 business days |
| VISA/Mastercard | Free | Free | Instant deposit; withdrawal typically within 24 hours |
| Skrill | Free | Free | Instant deposit; withdrawal typically within 24 hours |
| Neteller | Free | Free | Instant deposit; withdrawal typically within 24 hours |
| SticPay | Free | Free | Instant deposit; withdrawal typically within 24 hours |
XM fee questions
Does XM charge a withdrawal fee?
XM withdrawal fee: Free for cards and e-wallets in most cases; bank wire withdrawals below a minimum amount may carry a small fee.
Does XM charge an inactivity fee?
XM inactivity fee: $15 after 12 months of inactivity, then $5/month.
Does XM charge a deposit fee?
XM deposit fee: None.