Opening an XM account takes about 5 minutes. (1) Click "Open Account" and fill in your personal details. (2) Confirm your email — you'll receive your MT4/MT5 login. (3) Upload a government photo ID and proof of address. (4) After KYC approval (typically within 30 minutes), deposit funds to start trading immediately.

The XM 50% Deposit Bonus is credited to your account after you complete registration, KYC verification, and make your first qualifying deposit. Use the bonus to trade real markets. Profits earned from bonus trades are withdrawable once the minimum trading volume conditions are met. Bonus availability depends on your country of residence.

The minimum deposit for Standard, Micro, Ultra Low Standard, and Ultra Low Micro accounts is just $5 (or equivalent). The XM Shares Account has a $10,000 minimum due to its stock-specific nature. Card and e-wallet deposits reflect instantly with zero fees from XM.

XM offers maximum leverage of 1:1,000 on Standard, Micro, and Ultra Low accounts. Leverage is automatically reduced to 1:200 when your account balance exceeds $20,000, and to 1:100 above $100,000. The margin ratio does not change overnight or on weekends. EU-regulated clients are capped at 1:30 under ESMA rules.

XM processes all withdrawals within 24 working hours. Card and Skrill withdrawals are typically instant after XM processes the request. Bank wire transfers may take an additional 2–5 business days depending on your bank. XM does not charge withdrawal fees. International bank wires under $200 may incur sender-bank charges independently.

XM Group operates under multiple regulated entities worldwide. XM Global Limited is regulated by the Financial Services Commission (FSC) of Belize (license 000261/397), serving clients globally outside the EU and Australia. Trading Point of Financial Instruments Ltd is regulated by CySEC, Cyprus (license 120/10), covering clients in the European Economic Area under MiFID II — with Investor Compensation Fund protection up to €20,000. Trading Point of Financial Instruments Pty Ltd is regulated by ASIC, Australia (AFSL 443670). Trading Point MENA Limited is regulated by the DFSA in Dubai (license F003484). Client funds across all entities are held in 100% segregated accounts at tier-one international banks, completely separate from XM's operational funds. Negative balance protection applies to all retail accounts.

XM offers 1,400+ instruments: Forex (55+ currency pairs), Precious Metals (Gold/Silver CFDs), Energy CFDs (Oil, Natural Gas), Equity Index CFDs (US500, GER40, UK100 etc.), Commodity CFDs, Cryptocurrency CFDs (Bitcoin, Ethereum, and others), and Individual Shares (US, UK, German — MT5/Shares Account only).

Yes. If no trades are placed for more than 3 consecutive months, your account is classified as dormant and XM charges a $5 monthly maintenance fee until the balance reaches zero or trading resumes. Simply placing one trade every 3 months avoids this fee entirely.

Yes. XM allows up to 8 real trading accounts under a single verified profile. Each additional account can be a different type — for example, a Standard Account and a Micro Account simultaneously. Once your first account passes KYC verification, new accounts are opened from the Member Area in under one minute without repeating the document upload process.

Yes. XM has a built-in copy trading platform with over 18,000 verifiable strategies and 100,000+ active followers. The minimum investment to copy a Strategy Manager is $50. XM charges no platform fee — costs come only from the performance fee set by each manager (0% to 50% of profits). You can stop copying at any time with immediate effect.

XM does not accept clients from the United States of America, Canada, Israel, and the Islamic Republic of Iran. All applicants must be at least 18 years old. Residents of these four countries cannot open an account with any XM Group regulated entity regardless of their trading experience or requested account type.