Every figure on this page links to the XM page it came from. Where XM publishes nothing, we say so and score it zero.
One benchmark instrument per market, in XM's own units and on its own basis. Metals are below.
Every per-market figure for XM comes from Internet Archive copies of its own pages dated May–August 2024; its live pages draw their tables in the browser and refuse plain requests.
| Ultra Low Standard | 0.8 pips spreadminimum ('Spread as low as')Symbol EURUSD#. XM's 2024 figure (Internet Archive snapshot of its own page); XM no longer serves these tables in HTML, so this is not current. | No commission | SourceHide source“EURUSD# | 0.8 | 0 | 0 | 100,000 EUR | 0” |
|---|---|---|---|
| XM Zero | 0.2 pips spreadaverageSymbol EURUSD. — the only average (not minimum) EURUSD spread XM published. From the xm.com Zero page (Aug 2024 snapshot). XM's 2024 figure (Internet Archive snapshot of its own page); XM no longer serves these tables in HTML, so this is not current. | Commission not published | SourceHide source“Currency Pair | Minimum Price | Fluctuation | Average | Commission per 100,000 USD traded***** | Long | Short | Value of 1 lot | Limit and Stop Levels*** | … EURUSD. | 0.00001 | 0.2 | 3.5 USD | -8.09 | 1.81 | 100,000 EUR | 0” |
| Standard | 1.6 pips spreadminimum ('Spread as low as')XM's 2024 figure (Internet Archive snapshot of its own page); XM no longer serves these tables in HTML, so this is not current. | No commission | SourceHide source“Currency Pair | Spread as low as (pips) | Long Swap Value | (Points)** | Short Swap Value | (Points)** | Value of 1 lot | Limit and Stop Levels*** | … EURUSD | 1.6 | -7.27 | 1.13 | 100,000 EUR | 0” |
| Micro | 1.6 pips spreadminimum ('Spread as low as')Symbol EURUSDmicro, 1,000 EUR lot. XM's 2024 figure (Internet Archive snapshot of its own page); XM no longer serves these tables in HTML, so this is not current. | No commission | SourceHide source“EURUSDmicro | 1.6 | -7.27 | 1.13 | 1,000 EUR | 0” |
| Leverage · FSC (Belize) | 1:1000'Up to': the account leverage falls with equity (1000:1 to $40,000, 500:1 to $80,000, 200:1 to $200,000, 100:1 above), and EURUSD is not among the pairs XM caps lower. | SourceHide source“Advantages of Forex Trading with XM | 50+ currency pairs - majors, crosses and exotics | 24 hours a day, 5 days a week | Leverage up to 1000:1” “1:1 to 1000:1 | $5 - $40,000; 1:1 to 500:1 | $40,001 - $80,000; 1:1 to 200:1 | $80,001 - $200,000; 1:1 to 100:1 | $200,001 +” | |
| Leverage · CySEC | Not publishedXM's EEA site says only 'Up to 30:1 leverage available dependent on instrument' and names no per-instrument figure. | SourceHide source“Up to 30:1 leverage available dependent on instrument” | |
| Leverage · ASIC | Not publishedNo figure found on XM's own pages for this entity. | Not published | |
| Leverage · FSA (Seychelles) | Not publishedNo figure found on XM's own pages for this entity. | Not published | |
| Ultra Low Standard | 0.55 points spreadminimum ('Spread as low as', quoted in the quote currency, i.e. index points)XM publishes one table for this market, not one per account type, and does not say whether it differs by account. The futures-based US500 CFD is listed separately at 1.10 (US500*** | 1.10 | 270 | 0.2% | 500 | 0 | MT4/MT5) with no swap. XM's 2024 figure (Internet Archive snapshot of its own page); XM no longer serves these tables in HTML, so this is not current. | No commission | SourceHide source“Symbol | Spread as low as (quote currency) | Max Trade Size | Min Margin Percentage | Max Leverage | Long Swap Value | (Margin Currency)* | Short Swap Value | (Margin Currency)* | Limit and Stop Levels** | Platform | … US500Cash*** | 0.55 | 740 | 0.2% | 500 | -1.12 | 0.2 | 0 | MT4/MT5” |
|---|---|---|---|
| XM Zero | Spread not publishedXM's Zero account page lists only forex and gold/silver instruments; it publishes no conditions for this market on Zero, and does not say whether Zero can trade it. | Commission not published | Not published |
| Standard | 0.55 points spreadminimum ('Spread as low as', quoted in the quote currency, i.e. index points)XM publishes one table for this market, not one per account type, and does not say whether it differs by account. The futures-based US500 CFD is listed separately at 1.10 (US500*** | 1.10 | 270 | 0.2% | 500 | 0 | MT4/MT5) with no swap. XM's 2024 figure (Internet Archive snapshot of its own page); XM no longer serves these tables in HTML, so this is not current. | No commission | SourceHide source“Symbol | Spread as low as (quote currency) | Max Trade Size | Min Margin Percentage | Max Leverage | Long Swap Value | (Margin Currency)* | Short Swap Value | (Margin Currency)* | Limit and Stop Levels** | Platform | … US500Cash*** | 0.55 | 740 | 0.2% | 500 | -1.12 | 0.2 | 0 | MT4/MT5” |
| Micro | 0.55 points spreadminimum ('Spread as low as', quoted in the quote currency, i.e. index points)XM publishes one table for this market, not one per account type, and does not say whether it differs by account. The futures-based US500 CFD is listed separately at 1.10 (US500*** | 1.10 | 270 | 0.2% | 500 | 0 | MT4/MT5) with no swap. XM's 2024 figure (Internet Archive snapshot of its own page); XM no longer serves these tables in HTML, so this is not current. | No commission | SourceHide source“Symbol | Spread as low as (quote currency) | Max Trade Size | Min Margin Percentage | Max Leverage | Long Swap Value | (Margin Currency)* | Short Swap Value | (Margin Currency)* | Limit and Stop Levels** | Platform | … US500Cash*** | 0.55 | 740 | 0.2% | 500 | -1.12 | 0.2 | 0 | MT4/MT5” |
| Leverage · FSC (Belize) | 1:500Symbol leverage; XM's margin = Lots*contract size*open price / lowest of (account leverage, symbol leverage). | SourceHide source“Symbol | Spread as low as (quote currency) | Max Trade Size | Min Margin Percentage | Max Leverage | Long Swap Value | (Margin Currency)* | Short Swap Value | (Margin Currency)* | Limit and Stop Levels** | Platform | … US500Cash*** | 0.55 | 740 | 0.2% | 500 | -1.12 | 0.2 | 0 | MT4/MT5” | |
| Leverage · CySEC | Not publishedXM's EEA site says only 'Up to 30:1 leverage available dependent on instrument' and names no per-instrument figure. | SourceHide source“Up to 30:1 leverage available dependent on instrument” | |
| Leverage · ASIC | Not publishedNo figure found on XM's own pages for this entity. | Not published | |
| Leverage · FSA (Seychelles) | Not publishedNo figure found on XM's own pages for this entity. | Not published | |
| Ultra Low Standard | 0.03 usd spreadminimum ('Spread as low as', quote currency: US$ per barrel)XM publishes one table for this market, not one per account type, and does not say whether it differs by account. OILCash ('WTI Oil Cash') is MT5 only. The futures CFD OIL is 0.03 as well (OIL | 0.03 | 100 Barrels | 1/280 | 1.5% | 0 | MT4/MT5). XM's 2024 figure (Internet Archive snapshot of its own page); XM no longer serves these tables in HTML, so this is not current. | No commission | SourceHide source“Symbol | Spread as low as (quote currency) | Min/Max Trade Size | Min Margin Percentage | Max Leverage | Long Swap Value | (Margin Currency)* | Short Swap Value | (Margin Currency)* | Limit and Stop Levels** | Platform | … OILCash | 0.03 | 0.01/300 | 0.5% | 200 | 1 | -2.95 | 0 | MT5” |
|---|---|---|---|
| XM Zero | Spread not publishedXM's Zero account page lists only forex and gold/silver instruments; it publishes no conditions for this market on Zero, and does not say whether Zero can trade it. | Commission not published | Not published |
| Standard | 0.03 usd spreadminimum ('Spread as low as', quote currency: US$ per barrel)XM publishes one table for this market, not one per account type, and does not say whether it differs by account. OILCash ('WTI Oil Cash') is MT5 only. The futures CFD OIL is 0.03 as well (OIL | 0.03 | 100 Barrels | 1/280 | 1.5% | 0 | MT4/MT5). XM's 2024 figure (Internet Archive snapshot of its own page); XM no longer serves these tables in HTML, so this is not current. | No commission | SourceHide source“Symbol | Spread as low as (quote currency) | Min/Max Trade Size | Min Margin Percentage | Max Leverage | Long Swap Value | (Margin Currency)* | Short Swap Value | (Margin Currency)* | Limit and Stop Levels** | Platform | … OILCash | 0.03 | 0.01/300 | 0.5% | 200 | 1 | -2.95 | 0 | MT5” |
| Micro | 0.03 usd spreadminimum ('Spread as low as', quote currency: US$ per barrel)XM publishes one table for this market, not one per account type, and does not say whether it differs by account. OILCash ('WTI Oil Cash') is MT5 only. The futures CFD OIL is 0.03 as well (OIL | 0.03 | 100 Barrels | 1/280 | 1.5% | 0 | MT4/MT5). XM's 2024 figure (Internet Archive snapshot of its own page); XM no longer serves these tables in HTML, so this is not current. | No commission | SourceHide source“Symbol | Spread as low as (quote currency) | Min/Max Trade Size | Min Margin Percentage | Max Leverage | Long Swap Value | (Margin Currency)* | Short Swap Value | (Margin Currency)* | Limit and Stop Levels** | Platform | … OILCash | 0.03 | 0.01/300 | 0.5% | 200 | 1 | -2.95 | 0 | MT5” |
| Leverage · FSC (Belize) | 1:200OILCash symbol leverage. The futures OIL has a 1.5% minimum margin (about 66:1) and no leverage column. | SourceHide source“Symbol | Spread as low as (quote currency) | Min/Max Trade Size | Min Margin Percentage | Max Leverage | Long Swap Value | (Margin Currency)* | Short Swap Value | (Margin Currency)* | Limit and Stop Levels** | Platform | … OILCash | 0.03 | 0.01/300 | 0.5% | 200 | 1 | -2.95 | 0 | MT5” | |
| Leverage · CySEC | Not publishedXM's EEA site says only 'Up to 30:1 leverage available dependent on instrument' and names no per-instrument figure. | SourceHide source“Up to 30:1 leverage available dependent on instrument” | |
| Leverage · ASIC | Not publishedNo figure found on XM's own pages for this entity. | Not published | |
| Leverage · FSA (Seychelles) | Not publishedNo figure found on XM's own pages for this entity. | Not published | |
| Ultra Low Standard | 73 usd spreadminimum ('Spread as low as', quote currency: US$ per BTC)Symbol BTCUSD#. XM's 2024 figure (Internet Archive snapshot of its own page); XM no longer serves these tables in HTML, so this is not current. | No commission | SourceHide source“BTCUSD# | 73.00 | 0.01/80 | 0.2% | -1,645.65 | -1,645.65 | 0 | MT4/MT5” |
|---|---|---|---|
| XM Zero | Spread not publishedXM's Zero account page lists only forex and gold/silver instruments; it publishes no conditions for this market on Zero, and does not say whether Zero can trade it. | Commission not published | Not published |
| Standard | 94 usd spreadminimum ('Spread as low as', quote currency: US$ per BTC)Symbol BTCUSD. XM's 2024 figure (Internet Archive snapshot of its own page); XM no longer serves these tables in HTML, so this is not current. | No commission | SourceHide source“Cryptocurrencies – Spreads / Conditions | For Standard/Micro Accounts | For Ultra Low Standard/Ultra Low Micro Accounts | Symbol | Spread as low as (quote currency) | Min/Max Trade Size | Min Margin Percentage | Long Swap Value | (Points)*** | Short Swap Value | (Points)*** | Limit and Stop Levels** | Platform | BTCUSD | 94.00 | 0.01/80 | 0.2% | -1,645.65 | -1,645.65 | 0 | MT4/MT5” |
| Micro | 94 usd spreadminimum ('Spread as low as', quote currency: US$ per BTC)Symbol BTCUSD (Standard and Micro share one table). XM's 2024 figure (Internet Archive snapshot of its own page); XM no longer serves these tables in HTML, so this is not current. | No commission | SourceHide source“Cryptocurrencies – Spreads / Conditions | For Standard/Micro Accounts | For Ultra Low Standard/Ultra Low Micro Accounts | Symbol | Spread as low as (quote currency) | Min/Max Trade Size | Min Margin Percentage | Long Swap Value | (Points)*** | Short Swap Value | (Points)*** | Limit and Stop Levels** | Platform | BTCUSD | 94.00 | 0.01/80 | 0.2% | -1,645.65 | -1,645.65 | 0 | MT4/MT5” |
| Leverage · FSC (Belize) | 1:5000.2% minimum margin = 500:1, matching the page's 'up to 500:1'. | SourceHide source“Trade with up to 500:1 leverage … BTCUSD | 94.00 | 0.01/80 | 0.2% |” | |
| Leverage · CySEC | Not publishedXM's EEA site says only 'Up to 30:1 leverage available dependent on instrument' and names no per-instrument figure. | SourceHide source“Up to 30:1 leverage available dependent on instrument” | |
| Leverage · ASIC | Not publishedNo figure found on XM's own pages for this entity. | Not published | |
| Leverage · FSA (Seychelles) | Not publishedNo figure found on XM's own pages for this entity. | Not published | |
| Ultra Low Standard | 0.38 usd spreadminimum ('Spread as low as', quote currency: US$ per share)XM publishes one table for this market, not one per account type, and does not say whether it differs by account. MT5 symbol 'Apple'. XM's 2024 figure (Internet Archive snapshot of its own page); XM no longer serves these tables in HTML, so this is not current. | No commission | SourceHide source“TAG | Symbol with Description | MT5 Symbol | Spread as low as (quote currency) | Min/Max Trade Size | Min Margin Percentage | Long Swap Value | (Annual Percentage)* | Short Swap Value | (Annual Percentage)* | Limit and Stop Levels** | … US | Apple (AAPL.OQ) | Apple | 0.38 | 0.04/54 | 5% | -10.31% | 0.31% | 0” |
|---|---|---|---|
| XM Zero | Spread not publishedXM's Zero account page lists only forex and gold/silver instruments; it publishes no conditions for this market on Zero, and does not say whether Zero can trade it. | Commission not published | Not published |
| Standard | 0.38 usd spreadminimum ('Spread as low as', quote currency: US$ per share)XM publishes one table for this market, not one per account type, and does not say whether it differs by account. MT5 symbol 'Apple'. XM's 2024 figure (Internet Archive snapshot of its own page); XM no longer serves these tables in HTML, so this is not current. | No commission | SourceHide source“TAG | Symbol with Description | MT5 Symbol | Spread as low as (quote currency) | Min/Max Trade Size | Min Margin Percentage | Long Swap Value | (Annual Percentage)* | Short Swap Value | (Annual Percentage)* | Limit and Stop Levels** | … US | Apple (AAPL.OQ) | Apple | 0.38 | 0.04/54 | 5% | -10.31% | 0.31% | 0” |
| Micro | 0.38 usd spreadminimum ('Spread as low as', quote currency: US$ per share)XM publishes one table for this market, not one per account type, and does not say whether it differs by account. MT5 symbol 'Apple'. XM's 2024 figure (Internet Archive snapshot of its own page); XM no longer serves these tables in HTML, so this is not current. | No commission | SourceHide source“TAG | Symbol with Description | MT5 Symbol | Spread as low as (quote currency) | Min/Max Trade Size | Min Margin Percentage | Long Swap Value | (Annual Percentage)* | Short Swap Value | (Annual Percentage)* | Limit and Stop Levels** | … US | Apple (AAPL.OQ) | Apple | 0.38 | 0.04/54 | 5% | -10.31% | 0.31% | 0” |
| Leverage · FSC (Belize) | Not publishedNot published as a figure: XM publishes a 5% minimum margin for Apple. XM prints no leverage figure for it. | SourceHide source“TAG | Symbol with Description | MT5 Symbol | Spread as low as (quote currency) | Min/Max Trade Size | Min Margin Percentage | Long Swap Value | (Annual Percentage)* | Short Swap Value | (Annual Percentage)* | Limit and Stop Levels** | … US | Apple (AAPL.OQ) | Apple | 0.38 | 0.04/54 | 5% | -10.31% | 0.31% | 0” | |
| Leverage · CySEC | Not publishedXM's EEA site says only 'Up to 30:1 leverage available dependent on instrument' and names no per-instrument figure. | SourceHide source“Up to 30:1 leverage available dependent on instrument” | |
| Leverage · ASIC | Not publishedNo figure found on XM's own pages for this entity. | Not published | |
| Leverage · FSA (Seychelles) | Not publishedNo figure found on XM's own pages for this entity. | Not published | |
XM calls this a pip while giving gold a minimum price fluctuation of 0.01 in the same table, and never says how many of one make the other. At the two readings, 1.9 is either 19 cents a lot or $19. As published in 2024, and not current. XM moved these tables into the browser in late 2024 and its live sites block us, so this is the last gold figure XM served in its own HTML. It is shown with its date rather than dropped, and it is not used to cost anything.
“GOLD# | 1.9 | 0 | 0 | 100 oz | 0 | MT4/MT5”
“Spot Metals Instruments For Ultra Low Standard Accounts ... GOLD# | 1.7 | 0 | 0 | 100 oz | 0 | MT4/MT5”
“Focus on trading with no extra commission or hidden fees.”
XM publishes no formula for converting a gold swap point into money, unlike brokers that do, so we do not convert it. As published in 2024, and not current. XM moved these tables into the browser in late 2024 and its live sites block us, so this is the last gold figure XM served in its own HTML. It is shown with its date rather than dropped, and it is not used to cost anything.
“GOLD | 3 | 0 | 0 | 100 oz | 0 | MT4/MT5”
“XM applies a 3-day rollover charge on Wednesdays for Forex and Spot Metals (Gold and Silver), and on Fridays for CFDs on Cash Indices, Cash Energies, and Stocks.”
At the two readings, 1.9 is either 19 cents a lot or $19. As published in 2024, and not current. XM moved these tables into the browser in late 2024 and its live sites block us, so this is the last gold figure XM served in its own HTML. It is shown with its date rather than dropped, and it is not used to cost anything.
“Currency Pair | Minimum Price Fluctuation | Average | Long | Short | Value of 1 lot | Limit and Stop Levels*** | GOLD. | 0.01 | 1.4 | -50.89 | 19.67 | 100 oz | 0”
“To position Buy 3 lots USD/JPY, the transaction volume is 300,000 USD. Considering that for a USD 100,000 transaction size commission is charged for both opening and closing the position at USD 3.5 each, for this transaction it will be: 2 x (3.5 x 300,000 / 100,000) = 21 USD.”
symbol. XM publishes no formula for converting a gold swap point into money, unlike brokers that do, so we do not convert it. As published in 2024, and not current. XM moved these tables into the browser in late 2024 and its live sites block us, so this is the last gold figure XM served in its own HTML. It is shown with its date rather than dropped, and it is not used to cost anything.
“GOLD | 3 | -50.89 | 19.67 | 100 oz | 0 | MT4/MT5”
“XM applies a 3-day rollover charge on Wednesdays for Forex and Spot Metals (Gold and Silver), and on Fridays for CFDs on Cash Indices, Cash Energies, and Stocks.”
At the two readings, 1.9 is either 19 cents a lot or $19. As published in 2024, and not current. XM moved these tables into the browser in late 2024 and its live sites block us, so this is the last gold figure XM served in its own HTML. It is shown with its date rather than dropped, and it is not used to cost anything.
“GOLD | 3 | -46.99 | 19.67 | 100 oz | 0 | MT4/MT5”
“Focus on trading with no extra commission or hidden fees.”
XM publishes no formula for converting a gold swap point into money, unlike brokers that do, so we do not convert it. As published in 2024, and not current. XM moved these tables into the browser in late 2024 and its live sites block us, so this is the last gold figure XM served in its own HTML. It is shown with its date rather than dropped, and it is not used to cost anything.
“GOLD | 3 | -46.99 | 19.67 | 100 oz | 0 | MT4/MT5”
“XM applies a 3-day rollover charge on Wednesdays for Forex and Spot Metals (Gold and Silver), and on Fridays for CFDs on Cash Indices, Cash Energies, and Stocks.”
At the two readings, 1.9 is either 19 cents a lot or $19. As published in 2024, and not current. XM moved these tables into the browser in late 2024 and its live sites block us, so this is the last gold figure XM served in its own HTML. It is shown with its date rather than dropped, and it is not used to cost anything.
“GOLDmicro | 2.7 | -46.99 | 19.67 | 1 oz | 0 | MT4/MT5”
“Focus on trading with no extra commission or hidden fees.”
XM publishes no formula for converting a gold swap point into money, unlike brokers that do, so we do not convert it. As published in 2024, and not current. XM moved these tables into the browser in late 2024 and its live sites block us, so this is the last gold figure XM served in its own HTML. It is shown with its date rather than dropped, and it is not used to cost anything.
“GOLD | 3 | -46.99 | 19.67 | 100 oz | 0 | MT4/MT5”
“XM applies a 3-day rollover charge on Wednesdays for Forex and Spot Metals (Gold and Silver), and on Fridays for CFDs on Cash Indices, Cash Energies, and Stocks.”
“GOLD | 3 | -46.99 | 19.67 | 100 oz | 0 | MT4/MT5”
“Minimum trade volume 0.01 Lots | Lot restriction per ticket 50 Lots”
A comparison site cannot check what a broker only shows behind a login.
“You can see all trading hours when you login to your account .”
“GOLD & SILVER TRADING HOURS (GMT+2 time zone, please note DST may apply) Monday – Thursday: 01:05 – 23:55 Friday: 01:05 – 23:50”
The zero in the Limit and Stop Levels column: a stop may sit at the market price. Published on every account type.
“GOLD | 3 | -46.99 | 19.67 | 100 oz | 0 | MT4/MT5”
“For Forex, Gold and Silver, new positions can be opened if the margin requirement for the new positions is equal or less than the free margin of the account. When hedging, positions can be opened even when the margin level is below 100% because the margin requirement for hedged positions is Zero.”
does not widen the spread — where most brokers here substitute a per-lot administration fee on gold.
“The difference lies in the fact that unlike most forex companies who substitute additional fees by widening the spread on Islamic accounts, XM imposes no additional charges.”
Leverage on gold is set by the company you are actually onboarded to, not by the brand. A broker can offer 1:1000 through one entity and a fraction of that through another, for the same instrument on the same day.
It caps silver at 400:1, Swiss franc pairs at 400:1 and several others by name, and lists gold in none of them, so gold appears to follow the account ladder — 1000:1 up to $40,000 of equity, falling to 100:1 above $200,000 — but XM never says so. We do not fill that in.
“XM's margin requirements and leverage are based on the total equity in your account(s) as described below: 1:1 to 1000:1 | $5 - $40,000; 1:1 to 500:1 | $40,001 - $80,000; 1:1 to 200:1 | $80,001 - $200,000; 1:1 to 100:1 | $200,001 +”
“The margin requirement for Gold and Silver is calculated like this: Lots * Contract Size * Market Price / Leverage. For all account types, the leverage is capped at 400:1 for Silver.”
dependent on instrument” and never says which instrument gold is. Under the usual EEA treatment gold would sit below that, but XM does not print a gold figure, so neither do we.
“Up to 30:1 leverage available dependent on instrument”
“Trading Point of Financial Instruments Ltd is licensed by CySEC under license number 120/10. ... Trading Point of Financial Instruments Limited provides investment and ancillary services to residents of the European Economic Area (EEA).”
A broker is holding your own money rather than paying you a share of profit, so the only question is how easily it comes back.
XM advertises withdrawals as free, and then reserves the right to charge in its own client agreement where a deposit was not traded. Both the claim and the clause are quoted below.
XM states it charges no deposit/withdrawal fees and covers transaction fees both ways, with one carve-out: it does not cover bank-wire transfer fees on deposits under USD 200. Separately, both Client Agreements reserve XM's right to impose withdrawal fees at any time.
“We do not charge any fees for our deposit/withdrawal options. For instance, if you deposit USD 100 by Moneybookers and then withdraw USD 100, you will see the full amount of USD 100 in your Moneybookers account as we cover all transaction fees both ways for you. This also applies to all credit/debit card deposits. For deposits/withdrawals via international bank wire transfer, XM covers all transfer fees imposed by our banks, with the exception of deposits amounting to less than 200 USD (or equivalent denomination).”
“59.4 We reserve the right to impose withdrawal limits and withdrawal fees in our systems, at any time.”
“65.3 If you give an instruction to withdraw funds from your Account, we will reduce the requested funds immediately from your Account balance and shall use our best efforts to process the specified withdrawal request within one (1) Business Day following the day on which the withdrawal request has been accepted”
“We offer a wide range of payment options for deposits/withdrawals: by multiple credit cards, multiple electronic payment methods, bank wire transfer, local bank transfer, and other payment methods.”
“The minimum deposit or withdrawal amount for a Shares account is $10,000. For all other account types, the minimum is $5.”
“72.1 In the event that there is no activity (trading/withdrawals/deposits/internal transfer) in all of your Accounts for a set period of at least ninety (90) calendar days, we will regard your Accounts to be dormant... 72.3 Dormant Accounts will be charged with a monthly dormant fee of USD 5 (five United States Dollars) or the full amount of the free balance in the Account, if the free balance is less than USD 5. There will be no charge if the free balance in the Account is zero.”
“When opening an XM account, we only ask that you provide a Proof of Identity (POI). This can be a colour copy of any official documentation issued by a recognised authority. This includes passports (to be valid for at least 6 months), driver's licenses, and identity cards.”
How easily your own money comes back, scored separately from what gold costs here.
Advertised as free, but the broker's own client agreement reserves the right to charge where a deposit was not traded.
within one business day (broker-side); XM Global's withdrawal-priority chapter says within 24 working hours; funds then take 2-5 business days to reach a bank or card
5 published methods.
An inactivity fee applies 90 calendar days with no trading, withdrawal, deposit or internal transfer on any account (both entities); the 12-month/USD 15 layer appears only in the XM Global Belize agreement.
Trustpilot has hidden this company's rating for a breach of its guidelines and says it removed fake reviews.
This score is about getting paid, not about trading rules. It is never averaged into the Freedom Score: a firm can have the most generous rules on the board and still be the hardest place to get money out of.
“This company's rating is unavailable due to a breach of our guidelines. We've removed a number of fake reviews for this company.”
The review count is still shown — 3,115 — but there is no score. Any star rating you see quoted for XM elsewhere predates the penalty.
XM has three Trustpilot profiles telling three different stories. This one, on its main domain, has its rating hidden. A separate claimed profile on xmglobal.com shows 1.2 out of 5 from 540 reviews with no notice at all, and a third is nearly empty. Any single XM score is a choice of which URL to quote.
Every figure comes from XM’s own pages, quoted above with a link. Tracked since 20 Sep 2026.
XM rebuilt both of its sites in late 2024 so its gold tables are drawn in the browser, and both live sites block us, so the last gold spreads and swaps XM published in its own HTML date from 2024. Every one of them is labelled with that on the figure itself. XM is also split in two: xm.com is now the EEA site under the Cyprus entity, and the global offering is at xmglobal.com under XM Global Limited in Belize.
Spread$0.09 an ounce × 100 oz$9
Commission, round turn$6
One round turn$15
Intraday trades a month40
Gold Cost Index · one lot a month$600
Spread$0.09 an ounce × 100 oz$9
Commission, round turn$7
One round turn$16
Intraday trades a month40
Gold Cost Index · one lot a month$640
Spread$0.12 an ounce × 100 oz$12
Commission, round turn$7
One round turn$19
Intraday trades a month40
Gold Cost Index · one lot a month$760
