XM (XMTrading): How to deposit virtual currency (Bitcoin, crypto assets) with XM – A comprehensive guide to the latest causes and solutions

Bank transfer and credit card are famous deposit methods at XMTrading. However, it is an FX company that allows you to trade virtual currencies such as Bitcoin and Ripple in all trading accounts. Therefore, many users would like to deposit money with virtual currency. I’ll show you how to deal with it.

XM (XMTrading): What is XM Trading? Reputation and reviews, company information, FX license security, advantages and disadvantages, latest comprehensive introduction

XMTrading (XM) is one of the most well-known overseas FX companies, popular among Japanese users for its safety. This article provides a thorough explanation of real user reviews, bonuses, reputation, advantages, disadvantages, and actual trading information. XMTrading is one of the most well-known FX companies in the world. It boasts a large user base and is said to have the largest number of users in the world. Where is XMTrading's headquarters located, and what licenses does it hold? This article explores these points.

www.worldforexintroduction.com

2025.11.27

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

Overview of Cryptocurrency Deposits to XM Accounts

XM’s cryptocurrency (crypto asset) deposits are characterized by their “bankless, relatively fast, and funded overseas FX account.”

Here, we’ll provide a quick overview so even first-time users can understand the overall picture. Customers can deposit funds to any account number at any time. Deposits are available for different types and demo accounts. Please also check the terms of use and handling.

① What is XM’s cryptocurrency deposit?

XM allows you to deposit some cryptocurrencies directly into your trading account.

Key Features

No bank transfer or credit card required

24-hour deposits available

No overseas remittance hassle

Ideal for replenishing zero-cut accounts

👉 Particularly popular with those trading high-leverage, index, and cryptocurrency CFDs

② Main Cryptocurrencies Available (Representative Examples)

• The actual supported currencies are those displayed on the XM member page.

Commonly used cryptocurrencies are: 👇

BTC (Bitcoin)

USDT (Tether)

ETH (Ethereum)

XRP (Ripple)

👉 If you’re concerned about price fluctuations,
USDT (Stablecoin) is a safe bet

③ Basic Deposit Flow (Overview)

Step 1: Log in to the XM Membership Page

Select “Deposit Funds”

Step 2: Select “Cryptocurrency” as your deposit method

Select a supported cryptocurrency

Step 3: Issuance of a Deposit Address

XM will display a dedicated deposit address
👉

⚠ This address may not be the same every time
⚠ Always confirm each time

Step 4: Send from your wallet/exchange

Send to the displayed address

Make sure the network (chain) matches

👉 This is the biggest risk factor

Step 5: Posted to your account

Posted after blockchain approval

Takes effect within a few minutes to a few tens of minutes (may be delayed during busy periods)

④ Understanding Fees and Deposit Times

Fees

XM Deposit Fees: Free

However
👉 Fees are charged on the sender’s side (exchange/wallet)

Deposit Time

BTC/ETH: Approximately several tens of minutes

XRP/USDT (TRC20, etc.): Relatively fast

• Varies depending on network congestion

⑤ Understanding Minimum Deposit Amounts

👉 Minimum deposit amounts are set for each currency

If the amount is too small, it may not be reflected

👉 We recommend a generous amount for your first deposit

⑥ Benefits of Depositing Cryptocurrency

✔ Avoid bank/credit card restrictions
✔ Faster than international transfers

How to Deposit Cryptocurrency

Below, we’ll explain the specific steps for depositing cryptocurrency into XM, including steps and points to note that will ensure success even for first-time users.

① Log in to the XM Membership Page

XM Official Website

Log in to the Membership Page (My Page)

From the menu,
👉 Select “Deposit Funds”

② Select “Cryptocurrency (Crypto Assets)” as your deposit method

From the list of deposit methods,
Click “Crypto”

Available cryptocurrencies will be displayed.

Popular Currencies 👇

BTC (Bitcoin)

USDT (Tether)

ETH (Ethereum)

XRP (Ripple)

👉 USDT is recommended for those who want to avoid price volatility

③ Select the cryptocurrency and network to deposit

After selecting a cryptocurrency,
👉 Supported networks (chains) will be displayed.

Example:

USDT → ERC20 / TRC20, etc.

ETH → Ethereum network

XRP → Ripple network (tag required)

⚠ This is the most important point.
👉 Match the sender exactly.

④ Check the XM Deposit Address

XM will display your dedicated wallet address.

Displayed as a QR code or text string

⚠ Note

This address may not be the same every time.

Be sure to copy it each time.

⑤ Send from an Exchange/Wallet

Example:

Domestic Exchange (bitFlyer, Coincheck, etc.)

International Exchange

Personal Wallet (MetaMask, etc.)

Input Information:

Destination Address: Displayed by XM

Network: Matches the address specified by XM

Amount: Above the minimum deposit amount

👉 A small test transfer is recommended for the first time.

⑥ Blockchain Approval → Update to Account

Automatically updates after approval.

Estimated Time

XRP / USDT (TRC20): A few minutes to 10 minutes

BTC / ETH: 10 minutes to 10 minutes

• Delays may occur during busy periods.

Cryptocurrency Deposit Fees and Reflection Times

Below, we’ll explain the “fees” and “reflection times” for cryptocurrency deposits at XM in an easy-to-understand manner, including estimates for each currency, reasons for delays, and tips to avoid mistakes.

① How Deposit Fees Work

XM Fees

👉 Completely Free (0 yen)

No deductions are made from the deposit amount

100% reflected directly in your account balance (excluding exchange rate fluctuations)

Remitter Fees (Exchange/Wallet)

👉 Always Charged

This is a network (miner) fee set by domestic exchanges

overseas exchanges

personal wallets

not by XM.

② Estimated Reflection Times by Cryptocurrency

※ May vary depending on network congestion.

仮想通貨	反映時間の目安	特徴
XRP	数分〜10分	非常に速い
USDT（TRC20）	数分〜10分	速くて手数料が安い
USDT（ERC20）	10分〜30分	混雑時は遅延
ETH	10分〜30分	ガス代高騰時は遅い
BTC	10分〜60分以上	混雑時は1時間超も

③ Why do reflection times vary?

There are three main reasons for this.

① Blockchain congestion

BTC and ETH are prone to congestion.

During congestion, confirmation wait times are prolonged.

② Set transfer fees

Fees that are too low
👉 Approvals are delayed

Automatic settings are generally safer

③ Differences in the number of required confirmations

Each cryptocurrency has its own rules: “Postponement after ◯ number of approvals.”

Important Points to Note When Depositing Cryptocurrency

Below, we will explain the important points to note when depositing cryptocurrencies (crypto assets) with XM, divided into “Things to Avoid” and “Safe Use Tips.”
*These are listed in order of the most common mistakes beginners make. We will provide detailed explanations of frequently asked questions. There are certain conditions for valid transfers, some of which do not apply to debit or credit cards.

① Network (Chain) Incorrect [Most Important]

Example

USDT

ERC20

TRC20

BEP20

XRP (Ripple)

👉 The network selected by XM must exactly match the network from which the transfer is being made.

❌ If the network is incorrect, funds will not be returned.

② XRP “Tag (Memo)” not entered

When sending XRP, both the destination address and the tag (memo) are required.

❌ Tag not entered
👉 XM cannot identify the deposit
👉 Not reflected/in the worst case lost

③ Do not reuse addresses

Cryptocurrency deposit addresses

Cryptocurrency deposit addresses are not always the same

Sending to an old address may not reflect

👉 Always obtain a new address for each deposit

④ Do not send below the minimum deposit amount

Each cryptocurrency has a minimum deposit amount.

If you send below the minimum amount,
👉 your deposit may not be reflected

⚠ Sending too small an amount is dangerous

⑤ Deposit amount discrepancies due to price fluctuations

Prices fluctuate even during transfer

The yen equivalent may be less than expected

Solution:

Use stablecoins such as USDT

⑥ Consider transfer fees (gas costs)

XM has no deposit fees

However,
👉 Sender fees are deducted

Examples:

ETH (ERC20): Expensive

USDT (TRC20): Cheap

👉 Set the amount including fees.

⑦ Reflection time = Not immediate

Reflections
After blockchain approval

Normally take several minutes to several tens of minutes.

❌ Not reflected within a few minutes = Trouble
Not true.

⑧ Transfer complete = Not received in XM

“Withdrawal complete” message displayed on exchange
≠

Reflected in XM account

👉 Check confirmation status with TXID (transaction ID)

If you can’t deposit cryptocurrency into your XM account

Below, we’ll explain “things to check immediately” and “solutions” for cases where you can’t deposit or receive cryptocurrency into your XM account.

*These are listed in order of most common causes. You can check your limit on the service screen, so make use of it. Try doing it once in your own name using bitwallet, bxone, or sticpay.

① Still in “waiting approval” status (actually normal)

Situation

“Withdrawal Completed” on the exchange

Not reflected in XM account

Cause

👉 Blockchain approval not completed

This is common with BTC and ETH.

Solution

Check the TXID (transaction ID)

In Blockchain Explorer
If it says “Pending,” just wait.

Guideline:

XRP / USDT (TRC20): 10-30 minutes

BTC / ETH: 30-90 minutes (during busy periods)

② Network (chain) error [Most important]

Example

Send USDT (ERC20) instead of USDT (ERC20)
👉 Send USDT (TRC20)

Network mismatch with specified network

Result

❌ Not automatically reflected in principle
❌ Funds may not be returned

Solution

Immediately contact XM support

Submit the TXID, transfer date and time, and amount

※ Recovery may vary (not guaranteed)

③ XRP tag (memo) missing or incorrect

Situation

XRP transfer

Address is correct but not reflected

Cause

👉 Tag (memo) is blank or Error

Solution

Contact XM Support

Submit TXID and correct tag information

• It may take some time, but recovery is possible.

④ Sending below the minimum deposit amount

Circumstances

Small transfer

Not reflected

Cause

👉 The minimum deposit amount for each currency is exceeded

Solution

Send an additional amount above the minimum

This may be reflected in the combined total (depending on the currency)

⑤ Using an old/invalid deposit address

Cause

Reusing a previously displayed address

Use an address saved in a screenshot

Solution

Contact XM Support

Submit TXID and request confirmation

👉 Always obtain a new address every time

⑥ The transfer fee (gas fee) is too low

Circumstances

“Unconfirmed” for a long time

Especially BTC/ETH

Solution

Wait until approval is confirmed

Next time,
Use automatic or standard fee settings

XMTrading: How to open a real account and the steps, required documents, points to note Latest ver

In this article, we will introduce and explain the methods and procedures for opening a real account with xmtrading, necessary documents, bonuses, and other points to note. XMTrading is the most used Forex company in the world. In order to actually do FX, you need a wide account at a FX company. By the way, opening an account is easy, even for beginners, and there are no fees. Opening an account may sound like a hassle, but it only takes about 10 minutes to fill out the registration form and 30 minutes to authenticate the required documents, so you can start trading from the first day after completing the opening procedure. It becomes possible to start.

www.worldforexintroduction.com

2025.11.26