XM Inactivity Fee 2026
What it costs, when it starts, and how to avoid it
XM charges an inactivity fee of $5 per month if your account has had no trading activity for 90 consecutive days. The fee is deducted from your available balance until either the balance reaches zero or you resume trading. Once your balance hits zero the account is archived but not deleted.
How the XM Inactivity Fee Works
| Detail | Value |
|---|---|
| Fee amount | $5 per month |
| Inactivity threshold | 90 days without opening or closing a trade |
| When does it start? | First deduction occurs on day 91 of inactivity |
| Deducted from | Available account balance (not equity) |
| What happens at zero balance? | Account is archived; no further fees charged |
| Does it affect open positions? | No — open trades reset the inactivity clock |
How to Avoid the XM Inactivity Fee
Any of the following actions resets the 90-day clock:
- Opening or closing any trade — even one micro-lot
- Placing and canceling a pending order
- Making a deposit or withdrawal
- Logging into the XM client portal and placing a single trade
The simplest method: open a one-cent trade on a demo account linked to the same login, or place a minimal trade on EUR/USD and close it the same day. That resets the counter for another 90 days.
What Counts as "Activity"?
XM defines activity as any executed trade — buy or sell, on any instrument, on any account type (Standard, Micro, Ultra Low). Simply logging into the platform or MT4/MT5 does not reset the clock. A trade must actually be opened or closed.
Does XM Charge the Fee on Zero-Balance Accounts?
No. Once the fee reduces your balance to zero, XM stops charging. The account moves to an archived state. You can reactivate it by logging in and making a deposit.
Comparing XM Inactivity Fee to Other Brokers
| Broker | Inactivity Fee | Threshold |
|---|---|---|
| XM | $5/month | 90 days |
| Exness | None | N/A |
| eToro | $10/month | 12 months |
| IC Markets | None | N/A |
| FP Markets | None | N/A |
XM's $5/month fee is lower than eToro's $10, and the 90-day window is relatively short. Brokers like Exness and IC Markets charge no inactivity fee at all — worth considering if you trade infrequently.
Keep Your XM Account Active
Open an XM account and stay active to avoid the inactivity fee. XM offers commission-free trading on over 1,000 instruments.
Open XM Account →XM Inactivity Fee FAQ
$5 per month, charged after 90 consecutive days of no trading activity.
Q: How do I avoid the XM inactivity fee?Open or close any trade before day 90. Even a single micro-lot trade resets the timer to zero.
Q: Does logging into XM reset the inactivity timer?No. Only an executed trade counts. Simply logging in does not reset the 90-day clock.
Q: What happens when my XM balance hits zero from inactivity fees?XM stops charging and archives the account. No debt is created. You can reactivate by depositing.
Q: Does XM charge inactivity fees on demo accounts?No. The inactivity fee only applies to live trading accounts.