XMTrading: Recommended deposit methods (domestic bank account transfers, credit cards, etc.) and procedures, fees, reflection times, and the latest version

XMTrading

This article introduces and explains recommended deposit methods (credit card, bank transfer), fees, and procedures for trading with xmtrading. Once you have activated your account at XMTrading, you can enjoy actual real trading by adding funds. I think there are many people who are concerned about XMTrading’s specific deposit methods, fees, reflection time, etc. I would like to introduce XM deposit methods, their fees, reflection time, minimum deposit amount, etc.

  1. XMtrading
  2. XM Features
    1. Regulations and Licensing
    2. Maximum Leverage of 1000x
    3. Zero-Cut System (No Margin Call)
    4. Ample Bonuses
    5. Extensive Japanese Support
    6. Easy-to-Use Trading Platform
    7. Trading with Small Amounts
    8. High Transparency with the No Dealing Desk (NDD) Method
  3. Overview of XM Deposit Methods
    1. Domestic Bank Transfer
    2. Credit Card/Debit Card
    3. Online Wallet
    4. Convenience Store/Online Payments
    5. Cryptocurrency
  4. About XM’s Deposit Rules
    1. Deposits are only possible after account activation (identity verification).
    2. Deposits must be in your name.
    3. Deposit and withdrawal methods are basically the same.
    4. Withdrawals must be made using the same method up to the amount deposited.
    5. Minimum deposit amount: Set
    6. Deposit fees are generally free
  5. Bank Transfer Methods, Procedures, and Fees
    1. Log in to the XM Membership Page
    2. Select “Deposit”
    3. Confirm the Transfer Information
    4. Transfer from Your Bank
    5. Deposit Posted
    6. Bank Transfer Fees
    7. Minimum Deposit Amount
    8. Advantages of Bank Transfers
    9. Disadvantages of Bank Transfers
  6. Credit Card/Debit Card Methods, Procedures, and Fees
    1. Log in to the Membership Page
    2. Select “Deposit.”
    3. Enter Deposit Amount
    4. Enter Card Information
    5. Deposit Completed
    6. Fees
    7. Minimum Deposit Amount
    8. Deposits from Small Amounts
  7. Online Wallet Methods, Procedures, and Fees
    1. Main Supported Wallets
    2. Log in to your XM membership page
    3. Select “Deposit.”
    4. Enter Deposit Amount
    5. Log in to your Wallet
    6. Approve the payment
    7. Fees
    8. Minimum Deposit Amount
    9. Advantages of Online Wallets
    10. Disadvantages
  8. Convenience Store/Online Payment Methods, Procedures, and Fees
    1. Representative Methods
    2. ① Log in to your XM Membership Page
    3. ② Click “Deposit”
    4. ③ Enter the Deposit Amount
    5. ④ Obtain a Payment Number
    6. ⑤ Pay at a Convenience Store or ATM
    7. ⑥ Post to XM Account
    8. Fees
    9. Minimum Deposit Amount
  9. Cryptocurrency Methods, Procedures, and Fees
    1. Main Supported Cryptocurrencies
    2. Log in to the XM Membership Page
    3. Select “Deposit”
    4. Select Deposit Currency
    5. Confirm Your Deposit Wallet Address
    6. Send from Your Wallet
    7. Posting after blockchain confirmation
    8. Fees
    9. Minimum Deposit Amount
    10. Advantages of Cryptocurrency Deposits
    11. Disadvantages
  10. Which Deposit Method is Recommended? Comparison
    1. Comparing XM Deposit Methods
    2. ① Most Recommended (for most users)
    3. ② I want to deposit money immediately.
    4. ③ Popular among traders.
    5. ④ I want to deposit money with cash.
  11. Deposit Methods, Comparison with Other Companies
    1. Comparing Overseas FX Deposit Methods
    2. Comparison of Deposit Methods
  12. XM Deposit Method Notes
    1. Deposit and Withdrawal Methods are Basically the Same
    2. Profits can only be withdrawn via bank wire
    3. Minimum and Maximum Deposit Amounts Apply to Each Deposit Method
    4. Deposits Must Be in Your Name
    5. Deposit Reflection Time Varies
    6. Choose a Deposit Method with Withdrawals in Mind
  13. Can I get a deposit bonus?
    1. ① 100% Deposit Bonus
    2. ② 20% Deposit Bonus
    3. Example: If you deposit ¥50,000
    4. Advantages
    5. Notes
    6. Bonus-eligible accounts
    7. How to receive a deposit bonus
  14. XM Campaigns, Bonuses, and Promotions
    1. 1️⃣ Account Opening Bonus (No Deposit Required)
    2. 2️⃣ Deposit Bonus
    3. 3️⃣ Trading Contest
    4. 4️⃣ Seasonal Event Campaign
    5. 5️⃣ Special Deposit Bonus
    6. 6️⃣ Loyalty Program
    7. XM Campaign Features
  15. Q&A regarding deposit methods
    1. Q1. Are deposits reflected immediately?
    2. Q2. Are there any deposit fees?
    3. Q3. What is the Minimum Deposit Amount?
    4. Q4. Can I deposit using an account or card in someone else’s name?
    5. Q5. Can I use multiple deposit methods?
    6. Q6. What should I do if my deposit is not reflected?
    7. Q7. Can I immediately trade the deposited funds?
    8. Q8. Are there any deposit bonuses?
    9. Related

XMtrading

Operating company (運営会社)Tradexfin Limited
Fintrade Limited
Head office location(本社所在地)Unit E, F28, Eden Plaza, Eden Island, Republic of Seychelles
Founding year(創業年)2009
Financial License(金融ライセンス)セーシェル金融サービス規制当局(FSA)SD010:Tradexfin
Mauritius Financial Services Commission (FSC:モーリシャス金融サービス委員会):Fintrade Limited
Cyprus Securities and Exchange Commission (CySEC):Trading Point of Financial Instruments Ltd
Language support(言語対応)English、日本語、Malay、Thai
Platform(トレードツール)MetaTrader 4 (MT4)/MetaTrader 5 (MT5)
Service Countries(サービス提供国)Over 190 countries(190か国以上)
Number of users(利用者数)Over 1 million accounts、100万口座突破
Max Leverage(最大レバレッジ)1000x
Eligible products(対象商品)Forex、Metal、Stocks、Equity Indices / Index CFD、Energy CFD、Commodities、Cryptocurrency

XM Features

XM Group (XM) is a global financial brokerage providing overseas FX and CFD trading services. It primarily provides services to Japanese traders under the brand name XMTrading.

Regulations and Licensing

XM Group is regulated by multiple financial authorities.

Major Regulators

Cyprus Securities and Exchange Commission (CySEC)

Australian Securities and Investments Commission (ASIC)

Dubai Financial Services Authority (DFSA)

Belize Financial Services Commission (FSC)

Financial Sector Conduct Authority of South Africa (FSCA)

These regulations require the segregation of client funds.

Maximum Leverage of 1000x

XM offers leverage up to 1000x.

Japanese FX brokers: Maximum 25x

XM: Maximum 1000x

This allows for large trades with small capital.

Zero-Cut System (No Margin Call)

XM employs a zero-cut system.

Even if losses increase due to sudden market fluctuations,

If your account balance goes negative,

the negative amount will be reset to zero.

This means you will not incur debt greater than the amount you deposited.

Ample Bonuses

XM is known for its generous bonuses, even among overseas FX brokers.

Main Examples

Account Opening Bonus

Deposit Bonus

Loyalty Points

Using bonuses, you may be able to start trading with a small amount or no deposit.

Extensive Japanese Support

XM excels in services aimed at Japanese traders.

Japanese Website

Japanese Email Support

Japanese Live Chat

As a result, it is said to be easy for beginners to use, even among overseas FX brokers.

Easy-to-Use Trading Platform

XM offers world-renowned trading software.

MetaTrader 4 (MT4)

MetaTrader 5 (MT5)

Supports automated trading (EA) and mobile trading.

Trading with Small Amounts

XM allows you to start with a small amount.

Minimum Deposit: Approximately $5

Micro Accounts Available

Even beginners can start small and practice.

High Transparency with the No Dealing Desk (NDD) Method

XM employs the No Dealing Desk (NDD) method.

Traders’ orders are sent directly to the market.

Few execution rejections occur.

As a result, trading is said to be highly transparent.

Overview of XM Deposit Methods

Here’s a brief overview of XM (XMTrading) deposit methods.

Domestic Bank Transfer

Deposit via bank transfer from a Japanese bank

Deposit Time: Approximately 30 minutes to 1 hour

Minimum Deposit Amount: Approximately ¥10,000

Features

Easy to deposit large amounts

Easy to use, even for beginners

Credit Card/Debit Card

Accepted Cards

VISA

JCB

Features

Deposit: Instant

Fees: Free

Small Deposits Allowed

Online Wallet

This method uses an e-wallet.

Main Services

bitwallet

BXONE

STICPAY

Features

Deposits: Instant

Commonly Used Deposit Methods for Overseas FX

Convenience Store/Online Payments

Convenience Store ATMs

Online Bank Transfer

Features

Instant Deposits

Suitable for those who want to deposit cash

Cryptocurrency

Deposits with Bitcoin and Other Cryptocurrencies

Features

Deposits within approximately one hour

Can be faster than international remittances

About XM’s Deposit Rules

XM (XMTrading)’s deposit rules have unique fund management rules for overseas FX trading, so it’s important to understand them in advance. Here are the main points:

Deposits are only possible after account activation (identity verification).

At XM, you cannot deposit funds simply by opening an account.

The following are required before depositing funds:

Submit identity verification documents

Submit address verification documents

Activate your account

Deposits and trading will only be possible once these steps are completed.

Deposits must be in your name.

At XM, deposits must be made in the same name as your registered name.

Example

Bank accounts in your own name → OK

Accounts in the name of family members or others → Not allowed

This is a rule to prevent money laundering.

Deposit and withdrawal methods are basically the same.

XM has the following rule:

Withdrawals must be made using the same method as the deposit.

Example

Deposit via VISA → Withdraw via VISA

Deposit via bitWallet → Withdraw via bitWallet

This rule is based on international anti-money laundering rules.

Withdrawals must be made using the same method up to the amount deposited.

Withdrawals must be made using the same method up to the amount deposited.

Example

Deposit ¥100,000 via credit card

Account balance: ¥150,000

Withdrawal method

Withdrawal amount: Method
¥100,000 Credit card
¥50,000 (profit): Bank transfer

In other words, profits will be withdrawn via bank transfer.

Minimum deposit amount: Set

Examples of major minimum deposit amounts

Deposit method: Minimum deposit amount

VISA: Approximately ¥500
bitwallet: Approximately ¥500
Domestic bank transfer: Approximately ¥10,000
Convenience store: Approximately ¥10,000

Minimum amounts vary depending on the method.

Deposit fees are generally free

XM generally offers

Deposit fees: Free

However, there are some cases where fees are charged for some deposits, such as convenience store deposits.

Bank Transfer Methods, Procedures, and Fees

Here is a summary of the deposit method, procedures, and fees for bank transfers at XM (XMTrading).

Even among overseas FX, bank transfers are a relatively convenient method because they can be made from a Japanese bank.

Log in to the XM Membership Page

First, log in to the XM Membership Page.

Select “Deposit”

From the menu, select
Deposit → Local Bank Transfer.

Confirm the Transfer Information

Confirm the transfer information displayed.

Main Information Displayed

Bank Name

Branch Name

Account Number

Recipient Name

Transfer Identification Code

*If the identification code is not entered, the deposit may be delayed.

Transfer from Your Bank

Transfer funds via online banking or an ATM.

Examples

Mitsubishi UFJ Bank

Sumitomo Mitsui Banking Corporation

Rakuten Bank

Japan Post Bank

Deposit Posted

Once the transfer is confirmed, the funds will be posted to your XM account.

Estimated Reflection Time

Approximately 30 minutes to 1 hour

If outside bank hours, the transaction will be processed the next business day

Bank Transfer Fees

Contents Fees XM Fees: Free (Basically free) Transfer Fees: Deposits of less than 10,000 yen (Approximately 980 yen) by the bank used

*For deposits of 10,000 yen or more, XM often covers the fee.

Minimum Deposit Amount

Deposit Method: Minimum Amount: Domestic Bank Transfer: Approximately 10,000 yen

For small deposits,
Credit cards and e-wallets are more convenient.

Advantages of Bank Transfers

Easy to deposit large amounts

Japanese banks can be used

Low fees

Disadvantages of Bank Transfers

Deposits are not instant

Transfer fees apply

Affected by bank hours

Credit Card/Debit Card Methods, Procedures, and Fees

Here is a summary of the methods, procedures, and fees for credit card and debit card deposits at XM (XMTrading).
Card deposits are a popular deposit method among beginners because they are reflected instantly.

Log in to the Membership Page

Log in to the XM membership page.

Select “Deposit.”

From the menu, select

Deposit → VISA / JCB.

Enter Deposit Amount

Enter the desired deposit amount.

Example:

¥5,000

¥10,000

¥50,000, etc.

Enter Card Information

Enter the following information:

Card Number

Expiration Date

Security Code

Card Name

*The cardholder name must be the same as your XM account name.

Deposit Completed

Once the payment is approved,

The funds will be reflected in your trading account immediately.

Fees

Contents Fees XM deposit fee: Free Card company fee: Generally none Exchange fee: Varies by card company

In most cases, there are no additional fees.

Minimum Deposit Amount

Minimum card deposit amount: VISA: Approximately 500 yen, JCB: Approximately 10,000 yen

Deposits are possible from small amounts, making it suitable for beginners.

Benefits of Card Deposits

Instant Deposit

No Fees

Deposits from Small Amounts

Simple Procedure

Notes on Card Deposits

Only cards in the user’s name can be used

Withdrawals will be refunded to the card

Some card companies may restrict overseas FX payments.

Online Wallet Methods, Procedures, and Fees

This section summarizes the methods, procedures, and fees for depositing funds into XM (XMTrading)’s online wallet (electronic wallet). Online wallets are a commonly used deposit method for overseas FX trading.

Main Supported Wallets

The following are the most popular online wallets used by XM:

bitwallet

BXONE

STICPAY

You can deposit funds into your XM account via these wallets.

Log in to your XM membership page

Log in to your XM membership page.

Select “Deposit.”

From the menu, select

Deposit → Online Wallet to use.

Example:

bitwallet

BXONE

STICPAY

Enter Deposit Amount

Enter the desired deposit amount.

Example:

¥5,000

¥10,000

¥50,000

Log in to your Wallet

The online wallet login screen will be displayed.

Enter your email address

Password

to log in.

Approve the payment

Review and approve the payment details.

Once completed,

The payment will be reflected immediately in your XM account.

Fees

Contents Fees XM Deposit Fee Free Wallet Transfer Fee Service-dependent Exchange Fee Varies by wallet provider

*Fees may apply when depositing funds into your wallet from a bank.

Minimum Deposit Amount

Wallet Minimum Deposit Amounts bitwallet approximately 500 yen BXONE approximately 500 yen STICPAY approximately 500 yen

Deposits are possible from small amounts.

Advantages of Online Wallets

Deposits are reflected immediately

Low fees

Fast withdrawals

Easier than international transfers

Disadvantages

Requires creation of a wallet account

Efforts in depositing funds into your wallet

Convenience Store/Online Payment Methods, Procedures, and Fees

Here’s a clear summary of the methods, procedures, and fees for depositing funds via convenience store and online payments at XM (XMTrading).

Main Supported Payment Methods

Representative Methods

Convenience Store Payment

Online Bank Payment

ATM Payment

Examples of Convenience Stores Where Payments Can Be Made

7-Eleven

FamilyMart

Lawson

Ministop

① Log in to your XM Membership Page

Log in to your XM Membership Page.

② Click “Deposit”

From the menu, select

Deposit → Convenience Store Payment / Online Bank Transfer

③ Enter the Deposit Amount

Enter the desired deposit amount.

Example

¥10,000

¥30,000

¥50,000

④ Obtain a Payment Number

A payment number will be issued on the payment screen.

Displayed Contents

Payment Number

Receipt Number

Payment Deadline

⑤ Pay at a Convenience Store or ATM

Use the issued number to make the payment.

Example Method

Pay at a Convenience Store Terminal

Operate the in-store terminal

Enter the payment number

Pay with cash at the register

⑥ Post to XM Account

After payment is complete, the funds will be posted to your XM account.

Posting Time

Approximately 30 minutes to 1 hour

Fees

Contents Fees XM Deposit Fee: Free Convenience Store Payment Fee: Approximately 300-500 yen Bank ATM Fee: Varies by bank

*Varies depending on the payment service provider.

Minimum Deposit Amount

Method Minimum Deposit Amount Convenience Store Payment: Approximately 10,000 yen Online Bank Payment: Approximately 10,000 yen

The minimum deposit amount is slightly higher than with cards or wallets.

Cryptocurrency Methods, Procedures, and Fees

Here’s a clear summary of the methods, procedures, and fees for depositing cryptocurrencies (crypto assets) at XM (XMTrading).

Main Supported Cryptocurrencies

Cryptocurrencies Frequently Used at XM

Bitcoin (BTC)

Ethereum (ETH)

Tether (USDT)

Note: Supported currencies may vary depending on your account region.

Log in to the XM Membership Page

Log in to your XM Membership Page (My Page).

Select “Deposit”

Select

Deposit → Cryptocurrency from the menu.

Select Deposit Currency

Select the cryptocurrency you wish to use.

Example:

Bitcoin

Ethereum

Tether

Confirm Your Deposit Wallet Address

Your XM deposit wallet address will be displayed.

Displayed Information

Wallet Address

QR Code

Deposit Information

Send from Your Wallet

Send from an exchange or wallet.

Example

Cryptocurrency Exchange

Personal Wallet

Enter your XM wallet address as the remittance destination.

Posting after blockchain confirmation

After the remittance, once the network confirmation is complete,
the funds will be reflected in your XM account.

Posting Time

Approximately 10 minutes to 1 hour

Fees

Contents Fees XM Deposit Fee Free Transfer Fee Cryptocurrency Network Fee Exchange Withdrawal Fee Varies by Exchange

*Cryptocurrencies incur network fees (miner fees).

Minimum Deposit Amount

Cryptocurrencies vary depending on the currency, but generally,

Currency Minimum Deposit: Bitcoin: Approximately $10; Ethereum: Approximately $10; Tether: Approximately $10

Advantages of Cryptocurrency Deposits

Faster than International Remittances

Low international remittance fees

24-hour remittances

Disadvantages

Price fluctuation risk

Mis-transfers are permanent

Requires a cryptocurrency wallet

Which Deposit Method is Recommended? Comparison

XM has several deposit methods, and recommendations vary depending on your goals.

First, let’s compare the main methods.

Comparing XM Deposit Methods

入金方法反映時間手数料最低入金おすすめ度
国内銀行送金約20分~1時間1万円以上無料約1万円★★★★★
クレジットカード即時無料約500円★★★★
bitwallet即時無料約500円★★★★
BXONE即時無料約500円★★★
コンビニ決済即時〜30分約300円約1万円★★★
仮想通貨約10分〜1時間ネットワーク手数料約1万円★★

*XM generally has no deposit fees, but there are some fees for bank wire transfers under ¥10,000.

① Most Recommended (for most users)

Domestic Bank Wire

Reason

You can deposit directly from a Japanese bank.

You can also withdraw profits to your bank.

Low fees

The deposit will be reflected within 30 minutes to 1 hour during bank hours.

👉 This is the simplest option for beginners.

② I want to deposit money immediately.

Credit card payment.

Advantages:

Instant deposits.

Simple procedures.

Small amounts accepted.

However,

Withdrawals are often made to a bank.

③ Popular among traders.

bitwallet.

Advantages:

Instant deposits.

Fast withdrawals.

Often used for overseas FX.

However,

Requires opening a wallet account.

④ I want to deposit money with cash.

Convenience store payment.

Advantages:

No card required.

Cash payments accepted.

Disadvantages:

Fees apply.

Deposit Methods, Comparison with Other Companies

Comparing XM’s deposit methods with other overseas FX companies, they are strong in terms of variety and ease of use, but each company has its own unique features. We’ll explain them in comparison with major brokers.

Comparing Overseas FX Deposit Methods

FX会社最低入金額主な入金方法特徴
XMTrading約5ドル銀行送金 / VISA / JCB / bitwallet / BXONE / コンビニ日本人向け決済が多い
Exness約1ドルカード / 仮想通貨 / 電子ウォレット最低入金が非常に低い
FXGT約1000円カード / 仮想通貨 / 電子ウォレット仮想通貨に強い
AXIORY約5000円銀行 / カード / STICPAY日本サポートが強い
TitanFX約1万円銀行 / カード / bitwalletプロ向け取引環境

Comparing minimum deposit amounts,
Exness → XM → FXGT have the lowest minimum deposit amounts, making XM a relatively easy broker to get started with.

Comparison of Deposit Methods

FX会社入金方法の多さ
XM★★★★★
FXGT★★★★
Exness★★★★
AXIORY★★★
TitanFX★★★

XM accepts many payment methods, including:

Bank Transfer

Credit Card

Online Wallet

Convenience Store

Apple Pay

XM Deposit Method Notes

There are several things to keep in mind when using XM (XMTrading)’s deposit methods.
Failure to understand the “Withdrawal Rules” and “Deposit Conditions” in particular can lead to problems.

Deposit and Withdrawal Methods are Basically the Same

XM has a rule that withdrawals must be made using the same method used for deposits.

Example

Deposit ¥100,000 via credit card → ¥100,000 refunded to the card

Profits → Bank Wire

This is an international rule to prevent money laundering.

Profits can only be withdrawn via bank wire

At XM, trading profits can only be withdrawn via bank wire.

Example

Deposit Method: Withdraw ¥100,000 via credit card → ¥100,000 refunded to card, profits ¥50,000 via bank wire

Minimum and Maximum Deposit Amounts Apply to Each Deposit Method

At XM, minimum and maximum deposit amounts vary for each deposit method.

Examples

Deposit Method: Minimum Deposit: Bank Wire (approximately ¥10,000), VISA (approximately ¥500), bitwallet (approximately ¥500)

Also, there are maximum deposit amounts per card and bank transfer.

Deposits Must Be in Your Name

XM does not accept

Bank accounts in someone else’s name

Family credit cards

Deposits must be in the same name as the account holder.

Deposit Reflection Time Varies

Deposit reflection time varies depending on the deposit method.

Method Reflection Time: Credit Card (Instant), Electronic Wallet (Instant), Bank Wire (Approximately 30 minutes to 1 hour)

Bank wire transfers outside of business hours may be delayed until the next business day.

Choose a Deposit Method with Withdrawals in Mind

Withdrawal routes at XM are determined by the deposit method, so the initial method you choose is important.

For example:

Card Deposit → Card Refund

Wallet Deposit → Wallet Withdrawal

Changes may not be possible later.

Can I get a deposit bonus?

XMTrading (XM) offers a deposit bonus.

It’s also known for offering some of the largest bonuses among overseas forex brokers.

① 100% Deposit Bonus

Up to $500 (approximately ¥70,000-¥80,000)

Receive a bonus equal to your deposit amount.

Example

¥10,000 deposit → ¥10,000 bonus

¥50,000 deposit → ¥50,000 bonus

In other words,
Your funds are doubled.

② 20% Deposit Bonus

If you exceed the 100% bonus limit, you’ll get this:

20% Bonus

Up to $10,000

Example

Deposit Bonus: ¥50,000, ¥50,000, ¥100,000, ¥60,000, ¥500,000, ¥140,000

In total,
there’s a bonus limit of up to $10,500 (approximately ¥1.5 million or more).

Example: If you deposit ¥50,000

Deposit: ¥50,000

Bonus: ¥50,000

👉 Trading capital = ¥100,000

Since your margin increases, you are less likely to be hit by a stop-loss.

Advantages

✔ Can be used as margin
✔ Easy to trade with leverage
✔ Profits can be withdrawn

XM bonuses have a cushion function, so they can be used as margin.

Notes

Important:

The bonus itself cannot be withdrawn.

Profits can be withdrawn.

Withdrawals reduce the bonus.

Bonus-eligible accounts

Accounts eligible for deposit bonuses

✔ Standard accounts
✔ Micro accounts

Not eligible

✖ KIWAMI accounts
✖ Zero accounts

How to receive a deposit bonus

The process is simple.

Open an account with XM

KYC (Identity Verification)

Deposit funds into your account

👉 Bonus automatically awarded upon deposit

No application is required.

XM Campaigns, Bonuses, and Promotions

XM (XM), an international FX broker, regularly hosts a variety of campaigns, bonuses, and promotions.

1️⃣ Account Opening Bonus (No Deposit Required)

Approximately ¥15,000 (equivalent to approximately $100)

Trading without a deposit

Profits can be withdrawn (conditions apply)

This is a typical benefit for new users.
Simply open a real account and receive a bonus.

2️⃣ Deposit Bonus

This is XM’s most popular campaign.

Basic Bonus

Bonus Contents: 100% Deposit Bonus up to $500, 20% Deposit Bonus up to $10,000

Maximum Total Bonus
👉 There is a bonus limit of $10,500 (approximately over ¥1.5 million).

Limited-time campaigns, such as the “Early Spring 100% Deposit Bonus,” are also being held in 2026.

3️⃣ Trading Contest

XM holds contests every month.

Example

Top Trader Showdown

Weekly Demo Competition

Prize

Up to $15,000

Total Prizes of Over $100,000

Higher rankings earn withdrawable prizes.

4️⃣ Seasonal Event Campaign

XM holds seasonal events.

Example

New Year’s Fortune-Trick Promotion

Total Prizes: Over $100,000

Maximum Prize: $5,000 (approx. ¥750,000)

100 winners selected by lottery

New Year’s Gift Promotion

Total Prizes: $150,000

100 Winners: $1,500 x 100

5️⃣ Special Deposit Bonus

Limited-time bonuses are also available, even larger than usual.

Example

Christmas Campaign

Up to $25,000 Bonus

Bonuses increase with trading volume

6️⃣ Loyalty Program

XM’s unique points system.

Earn XMP (XM Points) when you trade.

Exchangeable

Bonus

Cash

Rank

Executive

Gold

Diamond

Elite

As your rank increases,
👉 points become easier to accumulate.

XM Campaign Features

Advantages

✔ Numerous bonuses
✔ No-deposit bonuses
✔ High contest prizes
✔ Points system

Disadvantages

⚠ Bonuses cannot be withdrawn
⚠ Withdrawals will reduce the bonus amount
⚠ Not applicable to KIWAMI Goku and Zero accounts

Q&A regarding deposit methods

We have compiled a list of frequently asked questions about XM (XMTrading) deposit methods. We will focus on the points that beginners are currently unsure about. Frequently asked questions are available on a designated page within the company, so please be sure to refer to the official website for details before making a deposit.

Q1. Are deposits reflected immediately?

Reflection times vary depending on the deposit method.

入金方法反映時間
クレジットカード即時
オンラインウォレット即時
国内銀行送金約30分~1時間
コンビニ決済約30分~1時間
仮想通貨約10分~1時間

*Deposits outside bank hours may be delayed until the next business day.

Q2. Are there any deposit fees?

XM generally charges no deposit fees.

However, the following fees may apply:

Bank Transfer Fee (Bank Transfer)

Convenience Store Payment Fee

Cryptocurrency Network Fee

Q3. What is the Minimum Deposit Amount?

The minimum deposit amount varies depending on the deposit method.

方法最低入金
銀行送金約1万円
クレジットカード約500円
オンラインウォレット約500円
コンビニ決済約1万円
仮想通貨約10ドル相当

Q4. Can I deposit using an account or card in someone else’s name?

No.

XM only accepts accounts and cards in your own name.

This is a rule to prevent money laundering.

Q5. Can I use multiple deposit methods?

Yes, you can.

For example,

Deposit by bank transfer

Additional deposit by credit card

Multiple methods are available.

Q6. What should I do if my deposit is not reflected?

The following are common causes:

The transfer name is incorrect

Identification code not entered (bank transfer)

Payment incomplete (convenience store payment)

If the problem persists, contact XM support.

Q7. Can I immediately trade the deposited funds?

Yes.

You can start FX trading as soon as your deposit is reflected.

Q8. Are there any deposit bonuses?

XM occasionally holds deposit bonus campaigns.

Examples:

Account opening bonus

Deposit bonus

Bonuses can be used as trading margin.

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