XM Minimum Deposit 2026: Start with Just $5
XM has one of the lowest minimum deposits in the regulated broker space: just $5 for Micro and Standard accounts. There are no deposit fees charged by XM. Funds are credited almost instantly for cards and e-wallets.
Minimum Deposit by Account Type
| Account type | Minimum deposit | Notes |
|---|---|---|
| Micro | $5 | Smallest contract sizes; best for beginners |
| Standard | $5 | Full-size lots; no commission |
| Ultra Low Micro | $5 | Micro lots with tighter spreads (from 0.6 pip) |
| Ultra Low Standard | $5 | Standard lots with tighter spreads (from 0.6 pip) |
| Zero | $100 | Spreads from 0.0 pip; $3.50/lot commission |
| Shares | $10,000 | Real stock trading (not CFD); limited availability |
Deposit Methods and Processing Times
| Method | Processing time | XM fee | Notes |
|---|---|---|---|
| Credit / Debit Card Visa, Mastercard |
Instant | Free | Most widely used; your card issuer may charge a foreign transaction fee |
| Skrill | Instant | Free | Popular e-wallet; requires a Skrill account |
| Neteller | Instant | Free | Another major e-wallet option |
| Bank Wire Transfer | 2–5 business days | Free (XM side) | Your bank may charge an international wire fee; best for larger amounts |
| Local payment methods | Varies | Free | Country-specific options vary (e.g., local bank transfer, SEPA); check your Members Area |
How to Make Your First Deposit at XM
-
Log in to your XM Members Area
Go to XM's website and sign in to the Members Area (client portal).
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Click "Deposit Funds"
Navigate to the Deposit section in your account dashboard.
-
Select your trading account
If you have multiple accounts, choose the one you want to fund.
-
Choose a payment method
Select from the available options (card, Skrill, Neteller, bank wire, or local methods). Available options depend on your country.
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Enter the amount and confirm
Enter a minimum of $5 (or your account currency equivalent). Confirm the transaction. Card and e-wallet deposits appear in MetaTrader almost instantly.
Important Notes on Deposits
- Free from XM's side: XM does not charge deposit fees. Your payment provider may apply their own charges.
- Currency: XM accounts can be denominated in USD, EUR, GBP, JPY, CHF, AUD, HUF, PLN, RUB, SGD, or ZAR. Deposits in a different currency will be converted at the market rate.
- Verification must be complete: KYC verification is required before making a deposit (and before withdrawals).
- Withdrawal uses the same method: XM requires that you withdraw back to the same payment method you used to deposit, to prevent money laundering.
- Bonus and deposit: If you received the $30 no-deposit bonus and then deposit funds, the bonus remains in your account and you can continue trading with both.
Ready to Fund Your XM Account?
$5 minimum · Instant card & e-wallet deposits · No XM fees
Open Account & Deposit →
Disclaimer: Deposit methods and minimum amounts may vary by country and can change. This guide is for educational purposes. Always check the Deposit section of your XM Members Area for current options and limits.