XM (XMTrading): A thorough explanation of XM’s beginner-friendly account trading method, how to do it, and the latest trading tools. We will explain not only the tools necessary for trading, but also how to deposit and withdraw funds, and even how to open an account.
- XMtrading
- Basic knowledge of XM trading
- XM Account Opening Procedure
- How to use MT4/MT5
- ④ How to order (enter)
- Deposit and Withdrawal Methods
- The Basics of Trading with XM
- XM Account Types and Features
- XM Bonuses and Campaigns
- XM Risk Management and Capital Management
- XM trading methods
- XM Support and Troubleshooting
- Precautions and Prohibitions when Using XM
- XM Frequently Asked Questions (FAQ)
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 |
Basic knowledge of XM trading
This article provides a basic explanation of XM Trading. It is aimed at people who are interested in FX and CFDs, and covers four aspects: “What is XM?”, “Features”, “Benefits and Cautions”, and “How to Use”.
✅ What is XM Trading?
- XMTrading is an overseas FX broker established in 2009.
- Operated by Tradexfin Limited, it holds overseas financial licenses.
- In addition to FX (foreign exchange), it offers a wide range of financial products (including CFDs), including stock indices, precious metals, and energy.
- It provides services in over 190 countries worldwide and is known as a global broker with many users.
🌟 Main features of XM
| Features | Content |
|---|---|
| High Leverage | You can trade with up to 1,000x leverage. Even with a small amount of capital, you can make large trades. |
| Trading possible from small amounts | The minimum deposit is $5 (about a few hundred yen), making it suitable for beginners and those who want to start with a small amount. |
| Zero cut guarantee | Even if losses exceed the account balance due to a sudden market fluctuation, there will be no debt (margin call). Losses are limited to the amount deposited. |
| Trading environment and platform | Uses the globally popular MetaTrader 4 (MT4)/MetaTrader 5 (MT5), allowing trading in a variety of environments, including Windows, Mac, smartphones, and web browsers. |
| Bonus Promotions | There are various benefits available, such as account opening bonuses, deposit bonuses, point rewards based on trading volume, and friend referral campaigns. |
| Japanese language support | We provide customer support in Japanese for Japanese people, so even beginners can feel at ease. |
👍 Benefits of using it
Start with small capital — You can open an account with just a few hundred to a few thousand yen and trade with high leverage.
Easy risk management — The zero-cut system limits losses without margin call risk.
A wide range of trading tools — Use global-standard trading platforms such as MT4/MT5, accessible from a variety of devices.
Trade more than just foreign exchange — Trade a variety of assets, including precious metals, stock indices, and energy.
Bonuses increase capital efficiency — Opening bonuses and deposit bonuses mean you can start trading with virtually no capital.
It is particularly attractive for young and novice traders, those looking to start with a small capital base, and those looking to trade a wide range of financial instruments.
⚠️ Points to note/risks
- Risks of high leverage — While high leverage means there is the potential for profits, it also means larger losses. With small capital, it’s easy to quickly run out of margin and experience stop-outs.
- Wide spreads and fees — Some brokers have wider spreads and higher fees than other brokers, which is a particular disadvantage for those who prioritize low costs.
- You can’t always win — Currency and financial product prices fluctuate greatly, and many traders are at risk of losing money.
- Regulations and risks of overseas FX — As overseas brokers, there are some differences in the regulations compared to FX brokers in Japan. You need to understand the laws, taxes, fund management, etc.
XM Account Opening Procedure
We will explain the steps to open an XMTrading (XM) account step by step so that even beginners can understand. This is the general flow when using XM from Japan.
Register an account (profile) on the official website or app
First, visit the official XM website and select “Open an Account.”
Select your country of residence (for example, “Japan”) and brand (usually “XMTrading”). Enter your email address and password.
You will receive an email; click the link in the email to complete email authentication (confirmation).
At this point, your “XM Account” will be created.
Enter your personal information and trading account information
After registering an account, log in to the member page and enter the following information:
Basic personal information such as name, date of birth, address, and phone number (it is important to match the information on your documents exactly).
Select the trading platform you will use (MetaTrader 4 (MT4) / MetaTrader 5 (MT5), etc.).
Set trading conditions such as account type (standard, micro, zero, etc.), base currency, leverage, and whether or not you will receive bonuses.
Enter “investor information” such as your investment experience (age, investment history, expected capital, etc.) — this may affect leverage limits, etc.
Finally, set a login password (usually requiring a password of 8-15 characters, including a mix of alphanumeric characters and symbols).
Submitting identity verification documents (KYC) — required
To complete your account opening and activate your “real account” for actual trading, you’ll need to submit identification documents.
Examples of documents to submit:
ID (passport, driver’s license, My Number card, etc.) — Expiry date. Full name, date of birth, etc. must be clearly visible.
Address verification document (utility bill, bank statement, copy of resident registration, etc.) — Recent issue date. Address information on the document must match the application information.
You can submit your documents via computer or using the XMTrading app on your smartphone. Using the smartphone app makes the process smoother.
Activate your account and start trading
- Once your documents are approved, your live account will usually be activated within 30 minutes to one business day. All services will then be available, including deposits, trading, and bonuses.
- Once activated, you can log in to your chosen platform (MT4/MT5) and begin trading. Deposits can be made via multiple methods, including credit card, bank transfer, and online wallets.
🎯 Quick Check — XM Account Opening Process (Summary)
- Select “New Registration/Open an Account” on the XM official website or smartphone app.
- Register an account with your email address and password → Email verification
- Enter your personal information, address, and trading account settings
- Upload your ID and address verification documents
- After the documents are approved, activate your real account → Deposit and start trading.
How to use MT4/MT5
Below we have summarized how to use MT4/MT5 at XM in a way that is easy to understand even for beginners.
We will cover everything from installation and logging in, to basic operations and how to place orders.
① How to install MT4/MT5
▼ PC版（Windows / Mac）
- Log in to the XM member page
- Trading Platform → Download MT4 or MT5
- Open the file and follow the on-screen instructions to install.
▼ Smartphone app (iPhone/Android)
- Open the App Store or Google Play
- Search for MetaTrader 4 or MetaTrader 5
- Download the app
② How to log in with your XM real account
After installation, enter the following into the MT4/MT5 login screen:
| item | Content |
|---|---|
| server | Login server name sent by email from XM |
| Login ID | Account number (number) |
| password | The password you set when you created your account |
📌 Be careful not to select “Log in with a demo account.” If you’re using an XM real account, be sure to select “Log in with an existing account.”
③ How to view the basic screen of MT4/MT5
| Display Area | Content |
|---|---|
| Market Watch | List of tradable currency pairs and product prices |
| Charts | Price movement graph (technical analysis is also performed here) |
| Navigator | Account list, indicators, EA, etc. |
| Terminal/Toolbox | Open positions, history, profit and loss, margin status |
④ How to order (enter)
▼ Market order (trade at the current price)
- “Quotes” → Double-click the stock you want to trade
- Specify the quantity (lot) on the order screen
- Select Sell/Buy
▼ Limit orders and stop-loss orders (pre-orders)
- On the order screen, change the “Order Type” to “Limit Order.”
- Specify a price and place an order.
⑤ Settlement (exit) method
- Right-click on your position and select Close Position.
⑥ How to use the chart (basic operations)
| operation | explanation |
|---|---|
| Change time frame | Change the display by time unit, such as M1 / M5 / H1 / D1 |
| Technical Additions | Right click on the chart → Indicator |
| Drawing tools | Line Trend / Fibonacci etc. |
| zoom | / – to zoom in and out |
⑦ Differences between MT4 and MT5 (simple comparison)
| item | MT4 | MT5 |
|---|---|---|
| Target Audience | Many FX traders | CFDs and stock indexes are also available in earnest. |
| Quotes | Single board | Depth of Market |
| Order Type | 4 types | 6 types |
| Operating speed | standard | high speed |
⑧ What to do if you cannot trade immediately after making a deposit
| cause | handle |
|---|---|
| Login server is different | Confirm by email from XM |
| Wrong account type | MT4 account → MT4 only (cannot log in with MT5) |
| Deposit not reflected | Wait a few minutes / Contact support |
Deposit and Withdrawal Methods
We will summarize the main methods and procedures for “depositing” and “withdrawing” at XMTrading as of 2025.
Main deposit methods
| method | Features |
|---|---|
| Domestic bank transfer (Japan) | Simply transfer funds from a bank in Japan to the bank account designated by XM. The procedure is simple and is a method used by many people. |
| Credit/debit card (Visa, Master, etc.) | Instant deposits — convenient for when you want to trade immediately. |
| Online wallet (e.g., E-wallet such as bitwallet) | A method other than cards or banks. The procedure is done online, and is often reflected immediately. |
| Virtual currency (cryptocurrency) deposit | Deposits can be made in Bitcoin etc. This may be available. |
Specific steps for domestic bank transfer (example)
- Log in to your XM membership page.
- Select “Deposit/Withdrawal” menu → “Deposit.”
- Select “Local Bank Transfer” as the deposit method.
- The transfer destination bank information and your trading account number will be displayed, so please confirm them. In the transfer name field, correctly enter the XM account name + account number.
- Transfer funds from your bank. If you do so during bank business hours, the funds will usually be reflected in your XM account within 30 minutes to an hour.
- Transfer fees are the responsibility of the depositor. If the deposit amount is over 10,000 yen, XM will generally waive the deposit fee.
⚠️ Please note that if you enter the wrong name or account number, the deposit may not be reflected.
💸 Withdrawal methods and rules
The withdrawal methods and rules available at XM are as follows:
Available withdrawal methods
- Domestic bank transfer (Japan)
- Credit card/debit card (VISA only)
- Online wallet (e.g., bitwallet, BXONE, etc.)
- Cryptocurrency withdrawals (conditions apply)
Withdrawal rules and restrictions
- As a general rule, withdrawals should be made using the same method used to deposit. For example, if you deposited using a credit card, you should first withdraw the amount you deposited to your card.
- However, as a general rule, profits made from trading can only be withdrawn via domestic bank transfer. The amount deposited by credit card is returned to the card, which is treated as a “refund of the original deposit.”
- If you used multiple deposit methods, withdrawals are prioritized and processed in order.
Procedures and timing for withdrawing funds via domestic bank transfer
- Log in to your XM membership page (or app) → Select “Deposits/Withdrawals” → “Withdrawal.”
- Select bank transfer and enter your bank account details and withdrawal amount.
- XM typically processes your transfer within 24 hours. After that, your bank typically processes your funds and the funds arrive within 1-5 business days.
- If the withdrawal amount is small (e.g., less than 400,000 yen), you may be charged a settlement agency fee.
🎯 Which method is recommended (by purpose)
- Making your first deposit/looking for a simple process → “Domestic bank transfer” is reliable and recommended. Just transfer is all you need.
- Want to start trading right away → “Credit card/debit card” and “online wallet” tend to be reflected immediately.
- Want to withdraw profits reliably/want to withdraw a large amount → Profits can only be withdrawn via bank transfer, so depositing via “domestic bank transfer” → The withdrawal process is simple.
- Want to make frequent deposits and withdrawals → “Online wallet” and “bank transfer” are easy to manage.
The Basics of Trading with XM
Below, we will explain the basics of trading with XM in an easy-to-understand manner for beginners.
(As this does not require specific data or current information, we will answer in the form of general knowledge.)
① Open an account and prepare MT4/MT5
All trading is conducted using the trading platform (MT4 or MT5).
Both are free to use and compatible with PCs and smartphones.
| Platform | Features |
|---|---|
| MT4 | Lightweight and stable, ideal for FX trading |
| MT5 | Extensive analytical functions for stock indexes and commodity CFDs |
② Deposit and prepare margin
XM accounts are margin trading, so you must first deposit funds.
Main deposit methods: bank transfer, credit card, online wallet (SticPay, Bitwallet, etc.)
③ Select a trading product
At XM you can trade many instruments including:
FX currency pairs (USD/JPY, EUR/USD, etc.)
Stock indexes (Japan 225, US 30, etc.)
Commodities (gold, silver, crude oil, etc.)
Stock CFDs, cryptocurrency CFDs, etc.
Open the product list from the “+” symbol in MT4/MT5 and display the stock you want to trade on the chart.
④ Conduct chart analysis
Basic analysis methods:
| Analysis type | Content |
|---|---|
| Technical Analysis | Price prediction from chart movements (moving averages, MACD, RSI, etc.) |
| Fundamental Analysis | View economic indicators, interest rate policy, and news |
⑤ Place an order
There are different types of orders:
| Order Type | Features |
|---|---|
| Market Order | Buy or sell immediately at the current price |
| Limit Order | Buy and sell when the specified price is reached |
| Stop Order | Orders to limit losses (stop loss settings) |
💡 Be sure to set stop loss (SL) and take profit (TP) to manage risk!
⑥ Position management and settlement
After placing an order, check the unrealized profit and loss of the position and settle it by taking profit or cutting loss.
📌 Notes:
- If you do not maintain sufficient margin, you will be subject to stop-outs.
- Don’t trade too large a lot size.
- The key is to trade in line with the trend.
XM Account Types and Features
XMTrading (XM) offers multiple account types to choose from depending on the trader’s purpose, capital amount, and trading style. There are four main types. We will explain the features of each and which type is suitable for which trader.
📋 XM’s 4 Account Types
| Account Type | Key Features |
|---|---|
| Standard | Maximum leverage: 1000x Minimum trading unit: 1,000 units (1 lot = 100,000 units) Trading fees: None (spread only) Bonuses (account opening bonus, deposit bonus, trading royalties, etc.) available Minimum deposit required: Low, suitable for small to medium-sized trades |
| Micro | Minimum trading unit is very small (1 lot = 1,000 units) Minimum lot size is 0.01 (10 units) Maximum leverage: 1000x No trading fees (spread only) Bonuses (opening bonus, deposit bonus, etc.) available Suitable for small-scale trading, such as those with very small capital, beginners, or those testing automated trading tools |
| KIWAMI極 | ・Maximum leverage: 1000x (high leverage supported, unlike zero-value accounts) ・Very narrow spreads—allows for low-cost trading ・No trading fees (spread only) ・However, this account is not eligible for deposit bonuses or loyalty programs. Only account opening bonuses are eligible. ・For intermediate to advanced traders who want to trade with high leverage while keeping trading costs low. |
| Zero | The spreads are the tightest, sometimes starting from 0.0 pips (very low spreads). However, there is a trading fee of 5 units per lot (10 units for a round trip) (costs are managed by the spread + fee). The maximum leverage is limited to 500x. Bonuses are only available for account opening; deposit bonuses and loyalty programs are not included. Suitable for those who prioritize cost-efficiency, such as scalping, low-cost short-term trading, and large-lot transactions. |
⚠️ Additional Information
All account types use the zero-cut system, which means that even if you incur losses exceeding your available margin due to sudden market fluctuations, you won’t be required to borrow additional funds (margin calls).
Since “symbol names” may vary depending on your account type, it’s important to check the displayed currency pairs and symbols when trading.
✅ Which account is suitable for whom?
- Beginners and those looking to start with small investments → Micro Account
- → With a low minimum currency transaction count, this account is ideal for practice and small-scale investments with minimal risk.
- For those looking for a more relaxed approach with a larger capital base → Standard Account
- → No fees and full bonus utilization provide a well-balanced overall balance.
- For intermediate to advanced traders looking to minimize trading costs with no fees → KIWAMI Goku Account
- → Narrow spreads and no commissions make this cost-effective.
- For those looking for short-term trading/scalping or large-lot trading with a focus on spreads → Zero Account
- → The tightest spreads, but keep in mind the fees and 500x leverage limit.
💡 Points to consider when choosing
- Capital size and risk tolerance → Micro if low, Standard/KIWAMI if more flexible
- Trading style
- Small and steady → Micro
- Stable investment while utilizing bonuses → Standard
- Cost-conscious long- to medium-term → KIWAMI Extreme Account
- Scalping, large lots, short-term trading → Zero Account
- Balance fees vs. spreads vs. leverage
XM Bonuses and Campaigns
We will summarize the types, features, and points to note about the main bonuses and campaigns offered by XMTrading (hereinafter referred to as “XM”). Please refer to the details as they may change depending on the situation.
| Bonuses/Campaigns | Content | Characteristics and conditions |
|---|---|---|
| Account opening bonus | If you open a new real account and complete identity verification, you will be given a certain amount of “trading credits” for free. | A “no-risk” bonus that allows you to start trading with zero initial capital. Usually worth 15,000 yen. |
| Deposit Bonus | Every time you deposit funds into your account, you will receive a bonus (credit) according to the amount of your deposit. | ・A 100% bonus on the first $500. ・A 20% bonus applies to amounts over $500 up to the cumulative payout limit. ・By combining this bonus with the account opening bonus, you can significantly increase your margin and trade. |
| Loyalty program (cashback/points system) | Points (such as XMP) are accumulated based on trading volume and can be exchanged for bonuses or cash. | A continuous trading bonus system. For example, you can accumulate points every time you trade and redeem them later. |
| Refer a Friend Bonus | Introduce your friends and acquaintances to XM and earn rewards when they meet the conditions | There is a bonus reward for each friend you refer. If you meet the conditions, you can receive a cash reward. |
| Limited Time Offers/Promotional Bonuses | Special bonuses and special campaigns are offered at specific times (commemorative campaigns, holidays, anniversaries, etc.) | For example, there are “Summer 100% Deposit Bonus” and “Silver Week 100% Bonus.” These campaigns may offer more favorable conditions than regular campaigns. |
| Contests and Trade Tournaments | Traders compete for rankings based on their trading performance and trading volume, and winners receive prize money and bonuses. | In addition to regular trading, you have the chance to win additional rewards by participating in contests. |
✅ When to use each bonus and its benefits
- Account Opening Bonus → For those trying FX/CFDs for the first time, wanting to start with a small amount, or wanting to reduce risk. You can start trading even with zero capital.
- Deposit Bonus → Depositing funds increases your margin, allowing you to increase your trading volume even with a small amount of capital. Ideal for those who want to trade with a large amount from the start.
- Loyalty Program → Advantageous for those planning to trade long-term. Earn points with each trade and convert them into bonuses or cash, so continued trading is a great deal.
- Friend Referral Bonus → If you have a network of friends and acquaintances, this can become a real way to earn money.
- Limited-Time Campaign → A chance to receive deposit bonuses and other benefits under more favorable conditions than usual. Be sure to check the terms and conditions.
- Contest → For those confident in their skills and active traders. Successful entries can increase rewards.
⚠️ Bonus “Notes” and rules
- In principle, bonuses (credits) are used only as margin. Credits themselves cannot be withdrawn.
- If you use multiple accounts, bonuses may not be freely transferred between accounts. In particular, bonuses may be lost if you change account types or transfer funds to a Zero/KIWAMI account.
- Conditions apply to receiving bonuses (e.g., completion of identity verification for real accounts, timing of deposits, campaign periods, etc.), so be sure to check the latest terms on the official website.
- Dormant accounts (no transactions or deposits/withdrawals for a certain period of time) may lose their bonus and be subject to maintenance fees.
XM Risk Management and Capital Management
Below, we will systematically summarize the basics of XM’s risk management and capital management in a way that is easy to understand even for beginners.
(This is general knowledge of FX/CFD trading, and real-time information is not required, so we will answer without searching.)
🧱 ① Transaction size (lot management)
Recommended: Start with 0.01 lot (1,000 units)
If a beginner suddenly trades more than 1.00 lots, they may incur large losses within a few seconds.
| Trading Lot | Amount of 1 pips fluctuation (USD/JPY example) |
|---|---|
| 0.01 lot | Approximately 10 yen |
| 0.10 lot | Approximately 100 yen |
| 1.00 lot | Approximately 1,000 yen |
⛔ Before increasing the lot size, you must first be able to make a stable profit.
✂️ ② Setting a stop loss
Always set a stop loss (SL) when entering.
- No stop-loss rule → Risk of sustaining large losses
- XM has a zero-cut system, but there’s a good chance your entire margin deposit will be wiped out.
General stop loss guidelines
-
- Limit the risk per trade to 1-2% of your capital.
For a ¥100,000 account, limit your maximum loss to around ¥1,000-¥2,000.
- Limit the risk per trade to 1-2% of your capital.
🎯 ③ Setting take profit
Setting a TP (take profit) helps avoid emotional decisions.
Aim for a RR (risk-reward ratio) of 1:2.
Example: Stop loss 20 pips → Take profit 40 pips
💡 Even with a 50% win rate, you can still make profitable trades.
🧠 ④ Understanding and Controlling Leverage
XM allows you to use a maximum leverage of 1,000x.
Don’t always trade with maximum leverage
- Proper leverage management = maintaining a large margin requirement.
- The higher your margin maintenance ratio, the less likely you are to experience a stop loss.
guideline
| Margin Maintenance Rate | situation |
|---|---|
| 200% | Safe Operation Zone |
| 100% | Danger, stop loss imminent |
| 50% | Compulsory stop loss line |
💼 ⑤ Dispersal of account funds
- Don’t put everything in one account.
- Split your investment capital into multiple accounts to avoid being forced out by a single loss.
📍 Depositing too much is dangerous, so use spare funds
📓 ⑥ Trade Record (Trade Notebook)
The difference between those who improve and those who continue to lose is whether or not they keep records.
Examples of items to record:
- Reason for entry
- Stop loss/take profit locations
- Results and points for improvement
- Emotional state (anxiety, excitement, etc.)
🧊 ⑦ Emotional Management (Mental)
- If you experience a losing streak, take a break from trading.
- Don’t increase your lot size in an attempt to recoup losses.
- It’s important to practice accepting stop losses.
XM trading methods
Below, we will explain the typical trading methods used at XM in an easy-to-understand manner for beginners. We will introduce them separately as technical methods and fundamental methods.
🕒 1. Day Trading
- Short-term trading, where trades are completed within one day.
- While susceptible to the impact of major index releases, it’s easy to aim for stable weekly profits.
- XM’s Zero account, with its narrow spreads, is relatively suitable.
Frequently used technical indicators
| index | Content |
|---|---|
| Moving Average (moving average line) | Trend Judgment |
| RSI | Check for overheating |
| MACD | Deciding when to buy and sell |
⚡ 2. Scalping
Ultra-short-term trading allows for small profits to accumulate over seconds to minutes.
Scalping is available at XM.
The low spreads of the Zero account are advantageous.
Requirements
High-speed internet connection and access to economic news.
Pre-set limit and stop orders.
🌙 3. Swing Trading
Hold positions for days to weeks
Works well with XM’s Standard and Micro accounts
Fundamental analysis is important
Fundamental information
Interest rate policy (FOMC, Bank of Japan)
Employment statistics, GDP
Geopolitical risks (conflict, economic sanctions)
📈 4. Trend Following
A method for riding a strong trend to increase profits
Moving average golden cross/death cross, etc.
Example
Buy at the golden cross
Cut losses when the trend breaks
🔁 5. Contrarian (rebound)
Enter in the opposite direction at past rebound points.
Use the RSI below 30, indicating oversold conditions.
Caution
Strong trend momentum can cause large losses.
XM Support and Troubleshooting
We will summarize the “support system” provided by XMTrading (XM), common problems, and how to deal with them (troubleshooting). We will summarize support methods, points to note, common problems, and solutions so that even beginners can use it easily.
✅ Support options available
XM has several support methods that can be used depending on the purpose and urgency. The main support methods are as follows:
| means | Overview/Features |
|---|---|
| Live Chat | Access from the official website or member page. Available on weekdays and weekends. Supports Japanese. Responses tend to be immediate, making it convenient for urgent consultations and resolving operational issues. |
| LINE | You can make inquiries via chat. You can easily consult using the chat function you are familiar with. |
| Email（support@xmtrading.com） | You can send money even if you are not a member. We can handle inquiries about account-related matters and deposits and withdrawals. Available 24 hours a day (weekdays). |
| Phone (callback) | XM often does not publish direct Japanese phone numbers, and if desired, they will respond by callback. However, this may only be done “when an operator deems it necessary.” |
💡 Note
- If you check the official Help Center (FAQ) first before making an inquiry, you may be able to resolve many common questions yourself.
- When making an inquiry, please provide as much detail as possible, such as your account number, problem details, circumstances when the problem occurred (what operation you performed, the error message, etc.), and the platform, version, and OS you were using, to help us resolve your issue.
⚠️ Common problems and solutions
This article summarizes some of the most common problems users have with XM, as well as their causes and solutions.
| Problem details | Cause/Precautions | Solution |
|---|---|---|
| I can’t log in to MT4/MT5 | Your login ID, password, or server name is incorrect, or you are trying to log in with the wrong account type (MT4 account / MT5 account). | Double-check your ID and password (be careful not to add spaces when copying and pasting). Check that the server name is correct. If it doesn’t appear in the server list, re-detect the server using “Scan” or “Find broker.” Check that your account type is MT4 or MT5. |
| I can’t log in to the member page | Your ID/password may be incorrect, or your account may be dormant or frozen (accounts that have not had any transactions or deposits/withdrawals for a certain period of time may be frozen). | Double-check the information you entered. If you have not made any recent transactions or deposits or withdrawals, contact XM Support to check your account’s frozen status. |
| Deposit not reflected | Incorrect account number or registered name in the transfer name/incomplete transfer procedure/incorrect selection of deposit method, etc. | Enter the correct name of the transfer recipient (e.g., account number, etc.) After making the transfer, save a screenshot of the transfer details. If the transfer still doesn’t appear, contact support (attach the transfer details, transfer date and time, and details). |
| Unable to withdraw/Slow withdrawals | Not understanding the rules for deposit and withdrawal methods (profit withdrawals can only be made by bank transfer, etc.) / Incomplete documentation and identity verification procedures | Check XM’s rules (conformity between deposit and withdrawal methods) Check that identity verification is complete and submitted documents are correct Contact support with a status report |
| Charts are not displayed, orders cannot be placed, tools do not work | Platform issues, incorrect server selection, internet connection or OS/browser issues, etc. | Check the platform version and restart the device. Try using a different internet connection or device. Redetect the server name. If the above does not resolve the issue, contact support with a screenshot. |
Precautions and Prohibitions when Using XM
In order to use XMTrading (XM) safely, it is very important to understand the precautions and prohibitions. Here, we will summarize the points to be aware of when trading and managing your account in an easy-to-understand manner even for beginners.
Excessive leverage
- XM offers leverage up to 1,000x (depending on account type).
- Increasing leverage can dramatically increase both profits and losses.
- Beginners are recommended to use lower leverage (around 100x).
Margin Maintenance Rate and Stop Loss
- XM automatically cuts losses when your margin maintenance ratio falls below 20%.
- Neglecting capital management can lead to your account balance dropping to zero.
- Guideline: Aim for a margin maintenance ratio of 200% or higher.
Check the bonus terms
- Bonuses are awarded as non-cashable credits.
- Deposit bonuses and loyalty programs are subject to withdrawal and trading volume requirements.
- If you have any questions, be sure to check the official XM website.
Beware of sudden market fluctuations
- Prices can change suddenly due to economic indicator releases or geopolitical risks.
- Sudden changes can cause orders to slip (slippage).
- Always set stop-loss orders to limit risk.
Managing multiple accounts
- XM allows multiple accounts, but bonuses and deposit conditions vary between accounts.
- Check the rules and manage your account accordingly, as there is a risk of bonuses being lost or your account being frozen.
🚫 Prohibited acts at XM (NG acts)
| Prohibited acts | Reasons and risks |
|---|---|
| Sharing Account Information | If you give your account number or password to others, there is a risk of fraudulent use or loss of funds. |
| Fraudulent acquisition of bonuses on multiple accounts | If you fraudulently obtain the account opening bonus on multiple accounts, your accounts will be frozen. |
| Suspected market manipulation/rate manipulation | Fraudulent trading and intentional use of spreads are prohibited |
| Money laundering and illegal deposits | If it constitutes a financial crime, your account may be frozen and legal action may be taken. |
| Violation of the prohibition of automated trading (EA) | XM allows the use of EAs, but certain account types and methods may violate the terms of use. |
| Illegal arbitrage trading | XM prohibits the unauthorized use of certain arbitrage transactions and mirror trades. |
XM Frequently Asked Questions (FAQ)
We have organized the frequently asked questions (FAQs) and answers to common questions about XM (XM) by category. We hope this will be helpful when you find yourself wondering, “What do you think about this…?”
🔰 Account opening and account related
- Q: Can one person have multiple accounts?
- → Yes. At XM, you can have up to eight trading accounts (real accounts) with the same email address.
- Q: But can I create separate accounts by changing my email address?
- → No. XM’s terms and conditions do not permit creating multiple accounts by changing email addresses.
- Q: Can I change my account’s base currency (account currency) later?
- → No. Once you set the base currency, it cannot be changed. If you absolutely must change the currency, you will need to open a new account.
- Q: After opening an account, how long does it take to activate a real account?
- → If you submit your documents and complete identity verification smoothly, approval will be relatively quick. However, it may take slightly longer on weekends and holidays.
- Q: Are there any age restrictions?
- → Yes. You must be of legal age (18 or older) to open an XM account. Minors are not permitted.
💱 FAQs on deposits, withdrawals and fund management
- Q: What deposit options are available?
- → Multiple methods are available, including bank transfer, credit card (supported cards only), and online wallets.
- Q: After depositing, the funds aren’t reflected immediately. What should I do?
- → If the transfer name (account number + registered name) is not entered correctly, the deposit may be delayed or not reflected at all. We recommend checking the transfer name/account holder information and contacting support if there are any issues.
- Q: I accidentally deposited into the wrong account/wrong transfer destination. Can this be fixed?
- → Funds may be transferable. However, please note that restrictions and bonus handling may vary depending on the account type.
- Q: Withdrawals are unavailable/slow. What could be the reason?
- → The deposit and withdrawal method regulations (for example, how card deposits are handled, profit withdrawals must be by bank transfer, etc.) may not be met. Basic issues such as incomplete identity verification or incorrect bank account information may also be the cause.
🖥️ Platform/Trading/Technical FAQ
- Q: I forgot the server name for the platform (MT4/MT5) I use for my real account — how do I check it?
- → You can check your login server name in the “Account Information” section of your member page. Simply enter that information correctly into MT4/MT5 and you’ll be able to log in.
- Q: I accidentally started trading with a demo account — can I switch to a real account?
- → You can log in to your real account using the same MT4/MT5 ID/password as your real account. The platform itself is the same for both demo and real accounts.
- Q: Where can I check trading hours (FX, CFDs, stock indices, etc.)?
- → You can check trading hours for each product in the “Trading Hours” table on the XM official website or from the product information on the platform. Please also note that time changes during summer and winter.
🎁 Bonus and Campaign FAQ
- Q: How do I receive bonuses (account opening bonus, deposit bonus)?
- → After opening a real account and verifying your identity, credits will be automatically granted on your browser at the time of deposit or depending on the conditions. Deposit bonuses are often granted in proportion to the amount deposited.
- Q: Can bonuses be withdrawn as cash?
- → While bonuses are generally reflected in your margin as “credits” and can be used for trading, the credits themselves cannot be directly converted into cash (withdrawn).
- Q: If I have multiple accounts, can bonuses be shared?
- → There are restrictions on transferring bonuses between accounts. Be especially careful when transferring between account types (for example, to a zero account), as this may result in the loss of the bonus.
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