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XM fees, after the safety questions

Cost is the last thing to weigh when the question is whether your money is safe, so this page comes after the regulation page and reads in that light.

Regulation: Belize FSC (8557558); CySEC (120/10); DFSA (F003484); FSCA (49976); Mauritius FSC (GB23202700); Seychelles FSA (SD190); CMA Kenya (233). How XM is regulated

Facts last checked . Read the full XM review.

What it costs to trade

Spread from
0.8 pips
EUR/USD spread
Approx. 0.8 pips
GBP/USD spread
Approx. 1.0 pip
Commission
$0 on Standard and Ultra Low accounts
All-in cost, EUR/USD
Approx. 0.8 pips
Spread type
Variable
Overnight swap
Both: swaps apply on applicable instruments/accounts; swap-free conditions available
Inactivity fee
$10/month after 90 days inactivity

What this means

Cost is the last thing to weigh here, and never the thing that should decide it.

Spreads from 0.8 pips suggest an all-in account, where the broker's fee is built into the price rather than charged separately. There is usually no commission on top, which makes the cost easier to predict.

Quoted spreads are best-case figures on the most liquid pair, in normal conditions. What you actually pay widens around news and at the session open.

XM lists a minimum deposit of $5. Treat it as the cost of opening an account, not the cost of trading one - position sizing on a small balance is what tends to cause damage.

Questions about XM fees

Does XM charge an inactivity fee?

XM's inactivity fee is recorded as $10/month after 90 days inactivity.

What does XM charge to hold a position overnight?

Overnight financing at XM is recorded as both: swaps apply on applicable instruments/accounts; swap-free conditions available.

What is the EUR/USD spread at XM?

XM records an average EUR/USD spread of approx. 0.8 pips on a variable pricing model.

Fees at brokers under the same regulator

More about XM