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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 Lisa Martinez•Updated 2026-03-01•Fact-checked by James Wilson
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
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.
Non-Trading Fees
**Deposit Fee**: $0
**Withdrawal Fee**: $0
**Inactivity Fee (after 90 days)**: $15/month
**Inactivity Fee (ongoing)**: $5/month
**Account Maintenance**: $0
Deposit & Withdrawal Costs
Deposit methods: Bank, Card, Skrill, Neteller. Withdrawal processing time: 24 hours. Most deposits are free, but third-party payment provider fees may apply. Always check the broker's payment page for the most up-to-date fee schedule.
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.
Withdrawal fees at XM vary by payment method. Withdrawal processing time is typically 24 hours. Check the broker's website for the most current fee schedule.
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.