How to deposit to XM by bank transfer, credit card and Skrill.
There are three ways to deposit to XM, bank transfer, credit card/debit card and Skrill.
XM basically abolishes all the deposit fees and tries to lessen the burden of the clients. XM also employs to use SSL technology for the settlement procedure of all the funds in order to protect valuable individual information.
XM offers following ways to deposit.
We do not charge any fees for our deposit/withdrawal options. For instance, if you deposit USD 100 by Skrill and then withdraw USD 100, you will see the full amount of USD 100 in your Skrill account as we cover all transaction fees both ways for you. This also applies to all credit/debit card deposits. For deposits/withdrawals via international bank wire transfer, XM covers all transfer fees imposed by our banks, with the exception of deposits amounting to less than 200 USD (or equivalent denomination).
When credit card/debit card (VISA/Mastercard) or Skrill is used for the deposit, the funds withdrawn are reflected immediately in your trading account. About 5 days will be required when the funds are withdrawn through bank transfer.
| Deposit method | Funds arrival time |
Bank transfer
|
5 working days |
Credit card/debit card
|
Immediate |
Skrill
|
Immediate |
The minimum deposit/withdrawal amount is 5 USD (or equivalent denomination) for multiple payment methods supported in all countries. However, the amount varies according to the payment method you choose and your trading account validation status. You can read more details about the deposit and withdrawal process in the Members Area.
| Trading account types | Minimum Deposit |
| Standard Account | $ 5.00（USD）(or equivalent) |
| Micro Account | $ 5.00（USD）(or equivalent) |
| XM Ultra Low Account Standard | $ 5.00（USD）(or equivalent) |
| XM Ultra Low Account Micro | $ 5.00（USD）(or equivalent) |
| XM Shares Account | $ 10,000.00（USD）(or equivalent) |
XM's deposit rule needs to be followed when the client deposits his/her funds. Please follow the XM's deposit rule before the deposit procedure and choose the appropriate ways to deposit.
XM does not accept any other funds than from the trading account holder in order to prevent the flow of illegal funds. When you deposit your funds, please remit the funds in your name registered with us. If you deposit funds through a third party name such as your family or corporate name, the funds will be returned to you. (*1)
XM requires the client to use the same way for the withdrawal as the deposit upto the amount deposited as part of measures against money laundering and terrorism financing. XM also puts the priority on the ways to withdraw when the clients use multiple ways to deposit. When you deposit to XM's trading account, make sure you check these withdrawal rules and choose the appropriate way to deposit.
XM accepts the funds through bank transfer including from ATM or through net-banking. When you deposit funds through bank transfer, they should be reflected in your account within 5 working days after the transfer.
XM can accept all the currencies such as USD, EUR or GBP tradable within its system for deposit through bank transfer. When the client deposits in currencies other than the base currency, XM will take the procedure of exchange into the base currency at the rate fixed by XM after the receipt of the funds.
Please check XM's bank account information through the Member Page. When you deposit funds within the banking hours, they should be reflected in your account within 30 minutes to 1 hour.
When you deposit funds within the banking hours, they should be reflected in your account within 30 minutes to 1 hour. There may be the cases where it takes longer time than usual until the funds are shown, when the name or the account number of sender does not match with our record or large amount such as more than one million yen is remitted.
Deposit fee through bank transfer is free with XM. However you might need to pay the fee with your bank if you deposit less than USD 200.-.
| Deposit amount to XM | Deposit fee |
| Less than USD200 | Borne by the customer |
| USD200 and above | Free |
VISA and Mastercard are available for the deposit. Deposit fee is free. Your funds deposited by credit card/debit card are reflected in your account immediately after the deposit procedure 24 hours/365 days. Deposit by credit card/debit card is the way for immediate deposit for those who does not have online wallet such as Skrill.
XM's deposit procedure (by VISA/Mastercard) can deal with all the currencies such as USD, EUR or GBP tradable within its system.
Please check XM's bank account information through the Member Page. When you deposit funds by credit card/debit card, they should be reflected in your account immediately.
Deposit funds by credit card/debit card will be withdrawn (returned) to the same credit card/debit card account upto the amount you deposited. The withdrawal by cards will be returned by way of cancellation of the utilization record. The profit you earned in the trade can be withdrawn in other ways.
You can deposit funds by online wallet, Skrill to your trading account. Deposit fee is free. When you deposit funds by Skrill, they should be reflected in your account immediately after the deposit procedure 24 hours/365 days. Deposit by Skrill is the fastest way and is convenient for overseas FX account.
Please check XM's bank account information through the Member Page. When you deposit funds by Skrill, they should be reflected in your trading account immediately.
Skrill is the online money transfer service through electronic mail account or internet operated by a U.K. company.
I want to deposit as soon as possible. What's the fastest way to deposit?
The fastest way to deposit your funds is by credit card/debit card among several ways to deposit after you have done the procedure of deposit. XM employs quick deposit so that your deposited funds are reflected immediately by using credit card/debit card.
2021.08.12
Where can I check my deposit history?
Click the 'Select option' of the account you want to check the deposit history on the 'Overview of My Accounts' in the XM Member area. Then click the 'Deposit History' and specify the period you want to check your deposit history, you will be able to see the record of the deposit you choose.
2021.08.12
No, XM does not accept Bitcoin. Available ways to deposit to XM is bank transfer, credit card/debit card or Skrill. Only two credit card brand, VISA and Mastercard are available for deposit to XM.
2021.08.12
The money I deposited from the bank is not reflected on the trading account.
When you deposit the funds within the banking hours, they should be reflected in your account within 30 minutes to 1 hour. If your deposit funds are not reflected after 1 hour passes, there may be the case that your imput of the name of the account may not be correct. Please contact XM support desk with the documents with which we can confirm your deposit details.
2021.08.12
There is no cancellation procedure with XM, so any funds deposit to XM' account cannot be cancelled. If you do so, please take the procedure of withdrawal your funds out of the XM's trading account.
2021.08.12
