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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 James Wilson•Updated 2026-06-19•Fact-checked by Lisa Martinez
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
$15/month after 90 days, then $5/month when balance < $5
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
**Inactivity fee**: $15/month after 90 days, then $5/month when balance < $5
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.
$15/month after 90 days, then $5/month when balance < $5