XM Fees & Commissions 2026: Spreads, Costs & Charges

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.

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.

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 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.