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Account

XM

Its trading costsPayout score
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How this score is worked out

Cost of getting your money out
12 / 30

Advertised as free, but the broker's own client agreement reserves the right to charge where a deposit was not traded.

How fast it arrives
20 / 25

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

Ways to withdraw
6 / 10

5 published methods.

Charges for leaving the account alone
3 / 10

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.

Review signal
0 / 25

Trustpilot has hidden this company's rating for a breach of its guidelines and says it removed fake reviews.

Total
41 / 100

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.

  1. What does it cost to withdraw?XM states it charges no deposit/withdrawal fees and covers transaction fees both ways, with…Free, with a clause
    Source
    “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).”
    Faq any deposit withdrawal fees
    “59.4 We reserve the right to impose withdrawal limits and withdrawal fees in our systems, at any time.”
    XM Client Agreement Terms and Conditions of Business
  2. How long does it take?within one business day (broker-side); XM Global's withdrawal-priority chapter says…2–5 days
    Source
    “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”
    XMGlobal Client Agreement Terms and Conditions of Business.pdf?v18
  3. Is there a minimum?before a withdrawal can be requested$5
    Source
    “The minimum deposit or withdrawal amount for a Shares account is $10,000. For all other account types, the minimum is $5.”
    Faq what is the minimum i can deposit or withdraw 1
  4. How can it reach me?credit/debit card, e-wallets (e.g. Skrill/Moneybookers, Neteller), bank wire transfer, local bank transfer, Bitcoin5 ways
    Source
    “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.”
    Faq payment options deposit withdraw

Worst thing about it. Advertised as free, but the client agreement reserves the right to charge — where a deposit was not traded

The evidence

everything above, with the wording it came from

The rest of the terms

The fee, in fullXM 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.
Weekend processingNot published
Inactivity fee$0 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
VerificationProof of Identity only is required to open an account per the FAQ (passport valid at least 6 months, driver's licence or ID card, showing full name, issue/expiry dates, DOB or tax ID, and signature). The XM Global Client Agreement separately conditions a withdrawal on full identification documentation supporting the withdrawal request.
Account openingNot published