XM (XMTrading): We will thoroughly explain the latest information on XM’s latest bonus types and how to avoid losses. There are account opening bonuses, deposit bonuses, and even campaigns, so we will introduce them all at once.
- XMtrading
- Features of XM
- About XM Bonuses
- Important Bonus Rules
- What is XM Bonus Loss? Let’s understand the basics
- Specific example of loss due to XM bonus
- What to do if you lose your XM bonus
- XM Bonus Loss FAQ
- Q1: Can I withdraw the bonus?
- Q2: What happens to my bonus if I make a loss?
- Q3: Trading with only the bonus → loss → Can I continue trading after that?
- Q4: What happens to my bonus if I withdraw it?
- Q5: What happens to my bonus if I transfer funds between accounts?
- Q6: What happens to my bonus if I experience a stop loss or zero cut?
- Q7: What are the conditions for the bonus to expire?
- Q8: Is it okay to engage in “gambling-like trading” with the aim of receiving bonuses?
- 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 |
Features of XM
XMTrading’s official website is a popular overseas forex broker among Japanese traders. Its main features are summarized below:
High Maximum Leverage
High leverage accounts available up to 1000x
Large trades possible even with small capital
Higher capital efficiency than domestic forex (maximum 25x)
For example, it’s easy to take larger positions even with 10,000 yen.
Zero-Cut System
Even if your account balance goes negative due to sudden fluctuations, you won’t incur debt.
Effective Margin = Balance + Unrealized Profit/Loss
No Margin Calls
Easier to minimize the risk of losses exceeding your deposit
Popular with overseas forex beginners
Especially reassuring for gold and indicator trading.
Abundant Bonuses
XM is well-known among overseas forex brokers for its generous bonuses.
Representative Examples:
Account Opening Bonus
Deposit Bonus
Loyalty Points (XMP)
Bonuses can be used as margin, making it easier to practice with less personal capital.
MT4/MT5 Compatible
Available Trading Tools:
MT4
MT5
Both support automated trading (EA) and indicators.
MetaTrader 4
MetaTrader 5
Strong Japanese Support
Japanese Email
Japanese Live Chat
Japanese Member Page
Easy to use even for beginners in overseas FX.
Wide Range of Tradable Products
Tradable:
FX Currency Pairs
Gold
Silver
Stock Indices
Cryptocurrency CFDs
Energy
There seems to be a particularly large number of gold (XAUUSD) traders.
Spreads are somewhat wide
Especially for standard accounts,
Domestic FX
ECN-focused brokers
Spreads may be wider than these.
For scalping-focused traders,
KIWAMI Account
Zero Account
Many people use these accounts. Since it’s an overseas broker, the tax system differs from domestic FX.
For Japanese residents:
Comprehensive taxation
Miscellaneous income
Please note that it will be treated as such.
Suitable for:
XM is especially suitable for the following types of people:
Those who want to start with a small amount
Those who want to use high leverage
Those who prioritize bonuses
Beginners in overseas FX
Those who want to trade gold
Not suitable for:
Conversely,
Those who prioritize ultra-low spreads
Those specializing in ultra-high-speed scalping
Tax system priority
In such cases, comparing domestic FX or ECN-specialized brokers might be a better fit.
About XM Bonuses
XM’s bonuses are among the most generous of all overseas forex brokers. They are particularly popular with those who want to start with a small amount of capital.
New Account Opening Bonus
XM sometimes offers a trading bonus upon opening a new real account and completing identity verification.
As of 2026, a bonus equivalent to 15,000 yen has been confirmed for account opening.
Features:
No deposit required
Trading possible even with zero capital
Profits can be withdrawn
Easy for beginners who want to “try it out first.”
Deposit Bonus
This is XM’s flagship bonus.
Typically, it has a two-tiered structure:
100% bonus
20% bonus
Image:
Margin = Deposit Amount + Bonus Margin = Deposit Amount + Bonus Margin = Deposit Amount + Bonus
For example:
Deposit 50,000 yen
100% Bonus 50,000 yen
→ Can trade with 100,000 yen margin
Capital efficiency increases significantly.
Limited-Time 100% Bonus
XM conducts large-scale campaigns seasonally.
Recent examples:
Golden Week 100% Bonus
Early Spring 100% Bonus
etc.
During limited-time offers,
the bonus may be higher than usual
The limit may be increased
It may also be available to existing users
Loyalty Program (XMP)
Points are accumulated every time you trade.
XMTrading Loyalty Program
XMP Points Earned
Exchangeable for Bonuses
The higher the trading volume, the higher the return rate
Popular with swing and day traders.
Cashback Campaigns
For a limited time,
cash back
transaction volume cashback
lottery events
are also available.
Important Bonus Rules
Withdrawals are not possible.
XM bonuses are basically “for margin only.”
In other words:
Bonus itself → Not withdrawable
Profits earned with the bonus → Withdrawable
Withdrawals may reduce the bonus.
If you withdraw a portion, the bonus may also disappear in proportion.
For example:
Remaining bonus = Original bonus × Balance before withdrawal
Remaining bonus = Original bonus \times \frac{Balance}{Balance before withdrawal}
Therefore,
Caution is required when transferring funds
Withdrawing profits
Some accounts are not eligible for bonuses
Generally,
KIWAMI account
Zero account
often are not eligible for bonuses.
Instead,
they have narrow spreads
and are suitable for scalping
What is XM Bonus Loss? Let’s understand the basics
XM sometimes offers “trading bonuses (credits).”
These can be used as margin, but cannot be withdrawn.
What is a lost bonus?
This refers to a situation where unrealized losses occur due to fluctuations in economic indicators, etc., and even if your balance (actual money) becomes zero,
if you have any remaining bonuses, those bonuses will be consumed.
point
❶ Bonuses Act as a Cushion
Even if your balance reaches zero, you won’t be subject to a stop loss as long as you have a remaining bonus.
❷ When the bonus disappears, there’s a high chance of a stop loss.
Once you use up your bonus, your margin will be depleted, triggering a forced stop loss.
❸ Bonuses are forfeited upon withdrawal.
When you withdraw profits, the bonus is forfeited at the same rate.
Specific example of loss due to XM bonus
Here is a simple example of a specific example of a loss due to an XM bonus. Currently, whether you are a standard or micro partner, you should usually do the calculations before entering. Please take a look.
Example 1: Case with little loss
| item | Amount |
|---|---|
| Deposit amount (balance) | $100 |
| bonus | $100 |
| Total Margin | $200 |
Let’s say you make a trade and incur a loss of -$50.
State after loss
| breakdown | Amount |
|---|---|
| Deposit amount (balance) | $100 → $50 |
| bonus | $100(not consumed) |
| Total Margin | $150 |
➡ Save your bonus as a cushion
Example 2: Losses exceed the balance (bonus compensates for losses)
| item | Amount |
|---|---|
| Deposit amount (balance) | $100 |
| bonus | $100 |
| Total Margin | $200 |
If your loss becomes -$150:
State after loss
| breakdown | Amount |
|---|---|
| Deposit amount (balance) | $100 → $0 |
| bonus | $100 → $50（残り） |
| Total Margin | $50 |
After your balance reaches zero, you lose your $50 bonus.
This loss of your bonus is called a “bonus loss.”
What to do if you lose your XM bonus
We’ve compiled a detailed list of what to do if you incur a loss on your XM bonus, so please take a look. It’s dangerous if the spread on the target position widens. This is an effective solution, so check it when you log in and execute a new product or order from the system program. When investing, please make sure to calculate your entry before using it.
Recover your margin with additional deposits
If you have used up your bonus, your margin will be significantly reduced.
| situation | Countermeasures |
|---|---|
| Bonus almost gone, margin insufficient | Recover your margin with a small deposit and prevent further stop losses |
In addition, if you make an additional deposit, you may be awarded another deposit bonus (within the remaining bonus limits).
➡ The simplest way to restart
Significantly reduce lot size
It is dangerous to hold a lot without a bonus.
| Before | After |
|---|---|
| 0.10 lot | Small lots such as 0.01 to 0.03 lot |
➡ Switch to a strategy that aims to safely recover your margin
Stop trading for now and sort out the situation
Continuing to trade emotionally often leads to further losses.
| Measures |
|---|
| Analyze the causes of losses |
| Review your entry points and stop loss rules |
| Avoid excessive pre-index positioning |
➡ Allowing a cooling-off period allows you to identify areas for improvement
Switch to non-bonus trading
Trading that relies on bonuses is likely to go bankrupt.
| Examples of what not to do | OK example |
|---|---|
| Gambling trades assuming you use up your bonus | Management with a focus on risk management to protect balances |
➡ Recognize bonuses as subsidies
Redesign while taking advantage of zero cut
The advantage of XM is negative balance reset (no margin calls).
After the loss:
- Replan your risk management strategy
- Select a trading style (long-term, short-term, indicator-avoidance, etc.)
➡ Can be rebuilt in a reset state
XM Bonus Loss FAQ
We’ve compiled a list of frequently asked questions (FAQs) and answers regarding XM bonus (credit) content, including the topic of “losing/disappearing bonuses.” We’ve included any questions you may have and any points that others may be confused about. Please make sure you fully understand the information before proceeding. Losses in the stock index, precious metals, virtual currencies, stock, and foreign exchange markets can be minimized depending on how you use them and the rates.
Q1: Can I withdraw the bonus?
A: No. XM’s bonuses (credits) can be used as margin, but cannot be withdrawn.
However, profits earned using the bonus can be withdrawn.
Q2: What happens to my bonus if I make a loss?
A: First, losses are deducted from your “balance (own funds),” and if any losses remain, they are covered by bonuses (credits).
If you use up your bonus, your margin will drop to zero, and depending on your position, you may be more susceptible to stop-loss.
Q3: Trading with only the bonus → loss → Can I continue trading after that?
A: Yes, it may be possible. For example, if you have zero capital and only a bonus remaining, you may be able to use your credit (bonus) to hold positions after that.
However, this situation is very risky and you should be cautious as you may not have the luxury of doing so.
Q4: What happens to my bonus if I withdraw it?
A: When you withdraw money, the bonus will be reduced proportionally to the amount withdrawn. In other words, if you withdraw part of your balance, for example, the bonus will also be reduced by that proportion.
Therefore, it is important to understand that “even if you can withdraw your profits, there is a possibility that your bonus will be reduced/disappear.”
Q5: What happens to my bonus if I transfer funds between accounts?
A: If you are transferring funds between the same account types within XM, there are cases where the bonus will be transferred at the same rate depending on the amount of funds transferred.
However, if the destination account is not eligible for the bonus (for example, a “Zero Account” or “KIWAMI Account”), the bonus will be forfeited.
Q6: What happens to my bonus if I experience a stop loss or zero cut?
A: XM has a zero-cut system (negative balance reset), which means that even if losses exceed your account balance due to a sudden change in your position, your balance will be reset to “0” without any margin calls.
In this case, losses will be compensated first from your balance, then your bonus, and if your bonus is sufficient, any remaining bonus may remain as credit.
Q7: What are the conditions for the bonus to expire?
A: The main conditions for disappearance are as follows:
- Withdrawals or transfers of funds (especially to accounts not eligible for bonuses) will reduce or eliminate your bonus proportionately.
- If your account is dormant or frozen for an extended period of time. For example, bonus points may be lost if there are no trades or deposits/withdrawals for a certain period of time.
- If you violate the terms of service (opening multiple accounts under the same name, excessively high-leverage trading for the purpose of receiving bonuses, etc.), your bonus and any profits from that bonus may be confiscated.
Q8: Is it okay to engage in “gambling-like trading” with the aim of receiving bonuses?
A: It is not recommended. In many cases, people have overconfident in the “cushioning” nature of bonuses and repeatedly made reckless trades with high lots, resulting in the loss of both the bonus and their funds.
It is important to think of bonuses as merely a supplement or insurance, and to carefully manage your funds and risks.
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