We will explain the causes and countermeasures when you cannot log in and your account is invalid and cannot be used when trading with MT4 or MT5 on XMTrading. If the account information is incorrect when logging in, “Invalid Account” will be displayed at the bottom right of the screen. If this happens, you will not be able to trade, so you will need to check with the department to make sure your login information is correct.
- XMtrading
- Why XM MT4/MT5 displays “Invalid Account”
- Frequently Asked Questions and Answers
- Q1. What does “Invalid Account” mean?
- Q2. I can’t log in even though my password is correct.
- Q3. Where can I check my server?
- Q4. Can I use both MT4 and MT5?
- Q5. Will a demo account also be marked as “invalid”?
- Q6. I suddenly can’t log in.
- Q7. Can an account be restored if it is frozen or closed?
- Q8. Will an error message appear even during maintenance?
- Q9. The behavior is different between my smartphone and PC.
- Q10. What’s the quickest way to resolve this?
- 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 |
Why XM MT4/MT5 displays “Invalid Account”
The main reasons why XM MT4/MT5 displays “Invalid Account” are due to login information issues, account status, or incorrect server selection.
We’ve organized the details in a clear, easy-to-understand list. Be careful if you can’t transfer funds via credit card or bank transfer from the home page. This is the same for all accounts, including standard and micro accounts.
① Incorrect login information (most common)
Common cases
Incorrect account number (missing numbers or incorrect digits)
Incorrect password
Entering the member page password instead of the trading account password
Entering full-width characters or spaces when copying
Solution
Copy the account opening email exactly as it appears
If entering manually, make sure you use half-width characters and no extra spaces
If you’re unsure, reset your trading account password
② Incorrect server selection
XM has a dedicated server for each account.
Example
XMTrading-Real XX
XMTrading-Demo XX
👉 Selecting the wrong server will result in an “invalid account” error.
Solution
Select the correct server name listed in the account opening completion email.
If you’re unsure
👉 Check your account details on the Membership Page → “Account Overview”
③ Your account is dormant, frozen, or closed.
Reasons for different account statuses
Dormant account
No transactions or deposits/withdrawals for over 90 days
Login is generally possible, but may be unavailable depending on the account status.
Account frozen
Suspected violation of terms of service or fraudulent trading
Account closure (cancellation)
If you cancel your account yourself
You cannot re-login after closure.
👉 In this case, your account will be marked as “invalid” even if the information is correct.
④ The MT4 and MT5 types are different.
At XM,
MT4 account → MT4 only
MT5 account → MT5 only
❌ MT4 account with MT5
❌ MT5 account with MT4
If you log in, your account will be marked as “invalid.”
Solution
Check your account type (MT4/MT5)
Use the correct platform
⑤ Your demo account has expired
XM demo accounts expire 90 days after your last login.
After expiration, your account will display “Invalid Account.”
👉 Solution: Create a new demo account
⑥ During maintenance/server outage
During scheduled/unscheduled maintenance
Temporary server outage
👉 In this case, you may see messages such as:
“Invalid Account”
“Connection Outage”
Solution
Re-login after a while
Check the official XM announcement
⑦ Immediately after account consolidation/transfer
Account consolidation
Immediately after creating an additional account
Immediately after changing leverage or account type
👉 It may take several minutes to several tens of minutes for the changes to be reflected.
Frequently Asked Questions and Answers
Below are frequently asked questions (FAQs) and their answers regarding the “Invalid Account” message displayed on XM’s MT4/MT5, listed in order of frequency. Brokers often receive questions regarding services and orders for currency pairs, stock indexes, and cryptocurrencies. Investors should also review the market’s terms of use, guides, and content rules.
Q1. What does “Invalid Account” mean?
A. This indicates that the combination of account number, password, server, and MT4/MT5 you entered is incorrect, or that the account is unavailable.
Q2. I can’t log in even though my password is correct.
A. In most cases, you’re entering your member page password.
MT4/MT5 requires a trading account password. Please reset it and try again.
Q3. Where can I check my server?
A.
Account Opening Completion Email
The exact server name is listed in the “Account Overview” section of the Member Page (e.g., XMTrading-Real xx).
Q4. Can I use both MT4 and MT5?
A. No.
MT4 account → MT4 only
MT5 account → MT5 only
If the passwords do not match, the account will be marked as “invalid.”
Q5. Will a demo account also be marked as “invalid”?
A. Yes. Demo accounts expire 90 days after the last login.
If this happens, please create a new demo account.
Q6. I suddenly can’t log in.
A. The following are possible reasons:
Maintenance/Temporary Outage
Account Frozen/Closed
Changes (e.g., leverage) not reflected immediately after
→ Please wait a while or contact support.
Q7. Can an account be restored if it is frozen or closed?
A. In principle, it cannot be restored on your own.
To confirm the reason for the freeze, contact XM Support. If the account has been closed, you will need to open a new account.
Q8. Will an error message appear even during maintenance?
A. Yes. During maintenance, you may see messages such as “Invalid Account” or “Connection Disconnected.”
Q9. The behavior is different between my smartphone and PC.
A. This may be due to differences in the app version or cache.
Please try updating to the latest version, restarting, or reinstalling.
Q10. What’s the quickest way to resolve this?
A. Please check the following in order:
1️⃣ Account number
2️⃣ Trading password
3️⃣ Correct server
4️⃣ MT4/MT5 match
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