At XMTrading, accounts may be frozen or dormant, so we will introduce and explain the causes, cancellation, neglect, and countermeasures in this article. When you try to log in to your XMTrading My Page, a message may appear saying “Your account has been frozen.” Please note that your XMTrading account may be suspended depending on the situation, so please be careful. In this article, you can learn why your XM account is frozen or dormant, and what you can do to avoid losing money.
- XMtrading
- Causes and reasons for account freezing and account dormancy
- Account dormancy causes and reasons
- Basic Rules for Dormant Accounts
- What happens when an account becomes dormant?
- How to unlock frozen/dormant accounts
- important point
- We do not recommend leaving your account unattended.
- Frequently Asked Questions about Frozen and Dormant Accounts
- Q1. What is the difference between a dormant account and a frozen account?
- Q2. How many days does it take for an account to become dormant?
- Q3. Will my money disappear if my account becomes dormant?
- Q4. What happens to bonuses?
- Q5. Can I recover my account if it’s frozen?
- Q6. What if I can’t log in?
- Q7. Will I receive a notification before my account is frozen?
- Q8. How can I prevent my account from becoming dormant?
- Q9. Will additional accounts also be frozen?
- Q10. Can I re-register after an account is frozen?
- Q11. What about taxes?
- Q12. What is the safest way to use it?
- Related
XMtrading
| Operating company | Tradexfin Limited Fintrade Limited |
| Head office location | Unit E, F28, Eden Plaza, Eden Island, Republic of Seychelles |
| Founding year | 2009 |
| Financial License | (FSA)SD010:Tradexfin Mauritius Financial Services Commission (FSC:):Fintrade Limited Cyprus Securities and Exchange Commission (CySEC):Trading Point of Financial Instruments Ltd |
| Language support | English、日本語、Malay、Thai |
| Platform | MetaTrader 4 (MT4)/MetaTrader 5 (MT5) |
| Service Countries | Over 190 countries |
| Number of users | Over 1 million accounts |
| Max Leverage | 1000x |
| Eligible products | Forex、Metal、Stocks、Equity Indices / Index CFD、Energy CFD、Commodities、Cryptocurrency |
Causes and reasons for account freezing and account dormancy
When you try to log in, the account is frozen (closed) when the yellow screen “Unable to log in” is displayed as shown in the picture above. An account is frozen (closed) when there is no account balance (or less than 500 yen) and no transactions are made for 90 days or more. If your account is frozen, you will not be able to log in to My Page, MT4, MT5, as well as additional deposits and transactions.
In addition to this, your account may be frozen due to violation of the Terms of Use. Please refer to the article below for this reason. Many overseas Forex companies have this regulation. It is dangerous to earn money through fraudulent activities because there are multiple causes. Traders should make profits through legitimate means.

Account dormancy causes and reasons
XM accounts become dormant when no trading has been done for 90 days or more. The order is “dormant → balance is depleted → frozen”. If the account balance is 0, it will be frozen immediately after 90 days of no trading. As stated in the FAQ on the official website, please note that you will not be able to participate in campaigns, etc. By the way, automated trading (EA) is OK. Make sure to manage your account yourself when you start. You can manage your account by category from the menu.
cannot be traded
Once an account becomes dormant, active trading is not possible, and deposits and withdrawals are not possible, so there is no benefit and the possibility of trading is zero. Contact support if necessary. Dormant accounts incur fees, which are explained below. Points cannot be converted into cash or positions cannot be held. This also applies to demo accounts. Be careful when opening and using a new account. It is strictly prohibited to misuse the account to make money.
Both buildings are prohibited in some cases.
Trading with the aim of opening a window or trading on both sides will be considered a prohibited act depending on the conditions. Please check the article above for details. If your account is dormant or frozen, you will not be able to trade normally unless you reinstate it. Since transaction history remains, please contact operational support to check. Similar measures will also be taken for fraudulent activities such as trades aimed at slowing down the server.

Basic Rules for Dormant Accounts
Conditions for Dormancy
At XM, typically, an account may be considered dormant if there is no activity for 90 days, such as:
No login
No trading
No deposits or withdrawals
In short,
An account will be considered dormant if it remains inactive for an extended period.
What happens when an account becomes dormant?
Bonus Loss
This is the most common impact.
Target:
Credit Bonuses
Deposit Bonuses
etc.
Bonuses may be deleted when the account becomes dormant.
Account Maintenance Fee
If there is a balance,
a maintenance fee may be deducted after dormancy.
Image:
Balance = Initial Balance – Maintenance Fee
Balance = Initial Balance – Maintenance Fee
If left inactive for a long period, the balance may decrease.
MT4/MT5 Login May Still Be Possible
Even when dormant,
unlike complete freezing,
access may still be possible.
MetaTrader 4
MetaTrader 5
Difference between Dormancy and Freezing
Status
Content
Dormancy
Long-Term Unused
Freezing
Zero Balance
Leaving inactive or Stopped
Generally,
Dormancy → Freezing
How to unlock frozen/dormant accounts
We will show you what to do if your account becomes frozen or dormant. If this applies to you, you will not be able to deposit margin or trade stocks using scalping, etc. The program will stop, you will not be able to transfer funds, you will not be able to use the system, and you will not be able to download your transaction history. It will be canceled depending on the case, but it is a case by case basis. The only way to restart is to cancel using the following method. These mechanisms have also been introduced by other companies such as exness, axiory, and fxgt.
How to unfreeze a frozen account
Unfortunately, if your XM account is frozen due to arbitrage trading, there is no way to unfreeze it. This is because you cannot even log into a frozen account in the first place. Since the order cannot be executed and an error occurs, the system cannot be operated.
If your XM account is frozen, you can use XM again by opening a new account. You can connect to the market with 1000x leverage, so you can rest assured. Any type of customer can trade with high leverage right now.
How to cancel a dormant account
If your XM account becomes dormant, you can either log in to the dormant account and trade, or make an additional deposit into the dormant account to undorm it. By doing either of these two things, your account will become dormant. Once you understand it, you can easily do it by yourself even if you find yourself in the same situation again. You can make a variety of trades from the platform with large lots.

important point
There are some things to keep in mind if your account becomes frozen or dormant. This is a very important point, and we do not recommend leaving it as it will actually result in a loss in maintenance costs. Please check the status from time to time and take action. If you receive a penalty due to methods such as arbitrage, you need to take immediate action. This is because there are big disadvantages. Please contact the XM Group service representative.
Dormant accounts are subject to a monthly account maintenance fee.
As soon as your XM real account becomes dormant, $5 will be deducted from your balance every month as an account maintenance fee. This account maintenance fee will be deducted without any notification from the XM side. Once started, it will continue automatically. Immediately deactivate your account and activate it. In some cases, you may be asked to verify your identity.
Bonus disappears when account becomes dormant
At XM, you can receive a bonus when you open an account or make a deposit. The bonus will disappear as soon as the account becomes dormant. If you do not make any transactions or log in for 90 days, your account will be reset as soon as it becomes dormant. The bonus applies to standard and micro accounts. There are also other rewards such as loyalty points.


We do not recommend leaving your account unattended.
Just because you don’t trade with XM, we do not recommend leaving your account alone. If you leave your account unattended, there is a risk that it will be hacked by a third party, so this is not a recommended method. In that case, we recommend that you cancel the contract and close your account completely.
There is no merit to violating the rules.
As you can see from the specs of XM, the maximum leverage is high and the spread is narrow, so members can trade quite comfortably from the dedicated page. You can also receive bonuses and create an account for free, so stop engaging in fraudulent activities. There are no restrictions compared to other companies, so you can make a lot of money with the tools provided. It’s a system that’s profitable regardless of the period.
To use or not to use it
When starting as an individual, there has never been any solicitation from staff in the past. You can freely choose and use accounts for important operations. If you are not going to use it, cancel your membership. Financial products vary depending on the account and the strategy will change, but if you are not motivated, there is no point in opening an account. Officially, you can access and acquire promotions, so if you do it, become an active trader. The operating company has a license, so it is safe.
A broker with few restrictions
XM has fewer restrictions than other investment services. However, if your account is frozen, you may be unable to download your transaction history before filing your tax return. Be careful if you require documentation. XM is a trusted company with a good reputation and a strong domestic reputation.


Frequently Asked Questions about Frozen and Dormant Accounts
Q1. What is the difference between a dormant account and a frozen account?
XM has two main types:
Status/Description Dormant Account: No login or trading for a certain period Frozen Account: Zero balance + long-term inactivity, or related to terms and conditions
Generally,
“Dormant” = Can be reactivated
“Frozen” = May not be reactivated
Q2. How many days does it take for an account to become dormant?
XM typically considers an account dormant if there is no trading, login, or deposit/withdrawal activity for 90 days.
When an account becomes dormant:
Bonus forfeiture
Some functions may be suspended
Q3. Will my money disappear if my account becomes dormant?
If there is a balance, it won’t disappear immediately.
However, account maintenance fees may apply.
If left inactive for a long period, the balance may decrease.
Q4. What happens to bonuses?
In most cases, bonuses are forfeited when an account becomes dormant.
In particular:
Unused bonuses
Credit bonuses
These are more likely to be deleted.
Q5. Can I recover my account if it’s frozen?
It depends on the case.
Examples of cases where recovery is likely:
Simply long-term unused
Leaving the balance at zero
Examples of cases where recovery is difficult:
Violation of terms and conditions
Abuse of hedging
Bonus fraud
Violation of terms and conditions may result in permanent suspension.
Q6. What if I can’t log in?
First, check:
MT4/MT5 server
Login ID
Password
Account status
MetaTrader 4
MetaTrader 5
If you cannot access the XM member page,
contacting support is recommended.
Q7. Will I receive a notification before my account is frozen?
In most cases,
a notification will be sent to your registered email address.
Common subject lines:
Notification of account dormancy
Account status change
Request to confirm terms and conditions
It may also end up in your spam folder.
Q8. How can I prevent my account from becoming dormant?
The easiest way is:
Regular logins
Small trades
For example, some people trade 0.01 lots once a month.
Q9. Will additional accounts also be frozen?
It’s possible.
Especially in the following cases:
Violation of terms and conditions
Group hedging
Bonus abuse
These may affect all related accounts.
Q10. Can I re-register after an account is frozen?
It may be possible if the account is dormant or normally frozen.
However:
Permanent ban
Fraudulent activity
In these cases, re-registration may be refused.
Q11. What about taxes?
Even if an account is frozen,
past profits may be subject to taxation.
In other words:
Taxable income = Realized profit – Necessary expenses
Taxable income = Realized profit – Necessary expenses
Even before withdrawal,
because there are cases where transactions occur at the time of profit realization,
taxation is a separate issue.
Q12. What is the safest way to use it?
Relatively safe methods include:
Regular discretionary trading
Standard EAs
Solo trading
Long-term use
Conversely, methods that are considered risky include:
Hedging across different companies
Delayed arbitrage
Targeting zero-cut
Massive bonus recovery
These are the methods mentioned above.


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