XM Gold Spread & Trading Conditions 2026

XM quotes Gold — the XAU/USD gold spot contract — with a standard spread of 3.5 pips (Standard). 3.5 pips (Standard) places it 28th out of the 29 brokers we track quoting Gold, wider than the median of 0.3. On raw/ECN accounts the spread is typically 0.0 pips + comm (Zero). Spreads are quoted in points.

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 29 public brokers we track quoting Gold, XM ranks 28 against a median of 0.3, among the widest we track. Ranked on published standard-account quotes — see our [methodology](/our-methodology/).

When trading Gold 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 Gold 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.