XM EUR/USD Spread & Trading Conditions 2026

XM quotes EUR/USD — the euro vs US dollar pair, the world's most-traded forex pair — with a standard spread of 1.6 pips (Standard). 1.6 pips (Standard) places it 39th out of the 41 brokers we track quoting EUR/USD, wider than the median of 1.0. On raw/ECN accounts the spread is typically 0.0 pips + $3.50 (Zero). Spreads are quoted in pips and widen or tighten with market volatility and account type.

Fee context from our review: XM offers competitive pricing with spreads varying by account type. Ultra Low accounts offer spreads from 0.6 pips with no commission, while XM Zero accounts provide raw spreads from 0.0 pips with a $3.50 per lot per side commission ($7 round turn). Standard and Micro accounts have wider spreads from 1.6 pips but no commission. XM charges no deposit or withdrawal fees. However, an inactivity fee applies after 90 days of dormancy - $15/month initially, then reducing to $5/month after account balance falls below $5.

Across the 41 public brokers we track quoting EUR/USD, XM ranks 39 against a median of 1.0, among the widest we track. Ranked on published standard-account quotes — see our [methodology](/our-methodology/).

When trading EUR/USD at XM:

Minimum deposit: $5
Maximum leverage: 1:1000
Commission: $0 (Spread only on most accounts)
Execution: Market Execution
Platforms: MT4, MT5, XM App

Spreads shown are indicative of the account types we assess. Raw/ECN accounts generally charge a per-lot commission in exchange for tighter raw spreads, while standard accounts build costs into the spread itself.

The EUR/USD spread is driven by liquidity depth, market volatility, the time of day (London and New York sessions are tightest), and the account model you choose. XM supports MT4 and MT5 for spread-sensitive execution.