Understanding XM Trading Costs
Trading costs determine long-term profitability. XM charges via spreads and commissions that differ per account. Here is the complete 2025 breakdown of XM spreads and commissions.
XM Spreads per Account
• XM Standard: from 1.6 pip EURUSD, ~35 pip XAUUSD • XM Micro: same as Standard • XM Ultra Low Standard: from 0.6 pip EURUSD, ~14 pip XAUUSD • XM Zero Account: from 0.0 pip + commission
XM Commissions
Standard, Micro, Ultra Low accounts: NO COMMISSION per lot. XM Zero: $3.5 per side per lot ($7 round turn).
Other Fees
• Swap (overnight): varies per pair, swap-free available on Islamic accounts • Inactivity fee: $5/month after 90 days of inactivity • Deposit & withdrawal: FREE on most methods • Currency conversion: ~0.3% spread for mismatched currencies
How to Lower Costs: Rebate
XM rebate via TradingByGold returns part of your trading cost. Example: 1 lot XAUUSD on Standard = $15 cashback, directly reducing your effective cost.
XM Cost Structure Advantages
- No commission on Standard/Micro/Ultra Low
- Competitive Ultra Low spreads
- Free deposits & withdrawals
- Daily rebates via IB
- No hidden fees
XM Cost Structure Drawbacks
- Standard spreads not the lowest in industry
- Inactivity fee after 90 days
- Swap can accumulate for swing traders