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XM Fees & Commissions 2026: Spreads, Costs & Charges

Complete analysis of XM's fee structure. EUR/USD from 0.6 pips (Ultra Low) | 1.6 pips (Standard). Commission: $0 (Spread only on most accounts). Deposit methods and withdrawal costs explained.

By BrokerAnalysis Research Desk•Updated 2026-07-21•Fact-checked by BrokerAnalysis Editorial Team

What are XM fees?

Complete analysis of XM's fee structure. EUR/USD from 0.6 pips (Ultra Low) | 1.6 pips (Standard). Commission: $0 (Spread only on most accounts). Deposit methods and withdrawal costs explained.

EUR/USD Spread

0.6 pips (Ultra Low) | 1.6 pips (Standard)

Commission

$0 (Spread only on most accounts)

Execution Type

Market Execution

Min Deposit

$5

Deposit Methods

Bank, Card, Skrill, Neteller

Withdrawal Speed

24 hours

Inactivity Fee

USD 5/month dormant fee after 90 days of inactivity (per XM's official costs-and-charges disclosure; exact terms vary by entity).

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XM Spreads

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.

Commission Structure

XM's commission model: $0 (Spread only on most accounts). Trading on Market Execution execution. Spreads are competitive within the industry, suitable for day traders and swing traders.

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Non-Trading Fees

Deposit Fee: $0

Withdrawal Fee: $0

Inactivity Fee (after 90 days): $15/month

Inactivity Fee (ongoing): $5/month

Account Maintenance: $0

Inactivity fee: USD 5/month dormant fee after 90 days of inactivity (per XM's official costs-and-charges disclosure; exact terms vary by entity).

Fees last verified: July 2026.

Fees may vary depending on account type and jurisdiction. We aim to keep this data updated regularly.

Deposit & Withdrawal Costs

Deposit methods: Bank, Card, Skrill, Neteller. Withdrawal processing time: 24 hours. Deposit fee: Free on all methods. Withdrawal fee: Free. Third-party payment provider or bank fees may still apply depending on your region and funding method.

Frequently Asked Questions

XM charges EUR/USD spreads from 0.6 pips (Ultra Low) | 1.6 pips (Standard) with a commission of $0 (Spread only on most accounts). The broker uses Market Execution execution.
XM offers EUR/USD spreads from 0.6 pips (Ultra Low) | 1.6 pips (Standard). Raw/ECN accounts typically have tighter spreads compared to standard accounts.
XM lists withdrawal costs as Free. Withdrawal processing time is typically 24 hours.
Yes, XM's standard account type charges $0 commission — costs are built into the spread. However, raw/ECN account types may charge a per-lot commission for tighter spreads.
XM accepts the following deposit methods: Bank, Card, Skrill, Neteller. The minimum deposit is $5.
USD 5/month dormant fee after 90 days of inactivity (per XM's official costs-and-charges disclosure; exact terms vary by entity).

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