XM Fees 2026: Full Cost Breakdown
Spreads, commissions, swaps, deposits, withdrawals, and inactivity
XM charges fees in several forms: spreads on every trade, swap fees for holding overnight positions, a monthly inactivity fee, and in some account types a per-lot commission. Here is the complete picture for 2026.
XM Trading Fees by Account Type
| Account | Spread (EUR/USD) | Commission | Best for |
|---|---|---|---|
| Micro | From 1.6 pips | None | Beginners |
| Standard | From 1.6 pips | None | Most retail traders |
| Ultra Low Standard | From 0.6 pips | None | Cost-conscious traders |
| Ultra Low Micro | From 0.6 pips | None | Small account size |
| XM Zero | From 0.0 pips | $3.5 per lot each side | Active/scalping traders |
XM Deposit and Withdrawal Fees
XM does not charge deposit fees on any method. For withdrawals:
| Method | Deposit Fee | Withdrawal Fee | Processing Time |
|---|---|---|---|
| Credit/Debit Card | Free | Free | 3–5 business days |
| Bank Wire | Free | Free (bank may charge) | 2–5 business days |
| Skrill | Free | Free | 24 hours |
| Neteller | Free | Free | 24 hours |
| Crypto (Bitcoin etc.) | Free | Free | Variable |
XM Swap Fees (Overnight Financing)
Swap fees apply when you hold a position open past the daily rollover (typically 00:00 server time). Rates vary by instrument and direction:
| Instrument | Swap Long (per lot/day) | Swap Short (per lot/day) |
|---|---|---|
| EUR/USD | -$7.4 | +$2.2 |
| GBP/USD | -$5.1 | -$1.8 |
| USD/JPY | +$8.2 | -$14.5 |
| XAU/USD (Gold) | -$16.8 | +$9.4 |
XM also offers Islamic (swap-free) accounts for traders who cannot pay or receive swap fees due to religious reasons. These accounts charge an administration fee instead on positions held more than a set number of days.
XM Inactivity Fee
If your account has no trading activity for 90 consecutive days, XM deducts $5 per month from your balance. This continues until the balance reaches zero, at which point the fee stops and the account is archived.
Summary: Total Cost of Trading With XM
| Fee Type | Amount |
|---|---|
| Spread (Standard) | From 1.6 pips on EUR/USD |
| Commission (Zero account) | $3.5/lot per side ($7 round trip) |
| Deposit fee | None |
| Withdrawal fee | None (XM-side) |
| Swap (overnight) | Varies by instrument |
| Inactivity fee | $5/month after 90 days inactive |
Start Trading With XM
Open a Standard or Ultra Low account with no deposit fees and spreads from 0.6 pips.
Open XM Account →No. XM does not charge fees on deposits via any payment method.
Q: What is the cheapest XM account type?The XM Zero account has the lowest spreads (from 0.0 pips) but charges $3.5/lot each side. For occasional traders, the Ultra Low account at 0.6 pips with no commission is often cheaper overall.
Q: Are swap fees charged on XM Islamic accounts?Islamic accounts are swap-free, but XM charges an administration fee on positions held beyond a minimum number of days.