XMTrading members can transfer funds between accounts, so we will explain how to do it. There is also a possibility that bonuses will disappear, so we will also explain the conditions and precautions. XMTrading allows you to freely transfer funds if you have multiple accounts. XMTrading allows you to have up to eight accounts, so there must be many people who transfer funds between accounts.
- XMtrading
- Basic Information on XM Inter-Account Fund Transfers
- Basic Information on XM Inter-Account Fund Transfers
- What to do if you can’t transfer funds with XM.
- ① The margin maintenance ratio is insufficient.
- ② The transfer amount has exceeded the limit.
- ③ Attempting to transfer from an account with a bonus.
- ④ Account is invalid, frozen, or dormant.
- ⑤ Selecting an account that is not part of the same account.
- ⑥ Restrictions/calculation errors due to different account currencies.
- ⑦ System error/maintenance.
- Unusual fund transfer history
- Frequently Asked Questions About XM Fund Transfers
- ❓1. Is inter-account fund transfer free?
- ❓2. How long does it take for a fund transfer to be reflected?
- ❓3. Can I transfer funds between MT4 and MT5 accounts?
- ❓4. Can I transfer bonuses as well?
- ❓5. Will I receive a bonus in the destination account after transferring funds?
- ❓6. Can I transfer funds while holding positions?
- ❓7. What happens if the account currencies are different?
- ❓8. Are there any upper or lower limits for fund transfers?
- ❓9. Can I transfer funds to another account or someone else’s account?
- Open an account for free
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 Information on XM Inter-Account Fund Transfers
Below, we’ll provide a basic overview and detailed explanation of XM Inter-Account Fund Transfers (Internal Transfers), divided into sections on “Mechanism, Conditions, Procedures, and Important Points” for beginners. This can be done through the platform, either the app or PC. Follow the instructions depending on your cryptocurrency or foreign exchange. The process is the same for both standard and micro accounts, and can be accessed with a click from the on-screen menu.
What is XM Inter-Account Fund Transfers?
XM has a system that allows you to transfer funds between multiple trading accounts (MT4/MT5) held within the same account.
This is commonly referred to as “Inter-Account Fund Transfers (Internal Transfers).”
Basic Features
✔ Instant Transfer, No Fees
Fund Transfers are reflected in real time or within minutes
Completely no fees
✔ Transfers between MT4 and MT5 are also possible
MT4 Account → MT4 Account
MT5 Account → MT5 Account
Transfers between MT4 and MT5 are also possible
- However, the “account base currency” will be affected (see below).
✔ Limited to the same name and account
Only applicable to accounts within the same XM account
Transfers to other accounts or accounts under a different name are not permitted
What Can and Can’t Be Transferred
What Can Be Transferred
Margin (Cash Balance)
Actual Funds Available for Trading
What Can’t Be Transferred (Important)
❌ Bonuses
❌ Open Positions
❌ Unrealized Profit and Loss
- However, the bonus may be automatically recalculated and reflected in the transferred account.
Basic Procedure for Transferring Funds Between Accounts
Log in to the XM Membership Page
Select “Transfer Funds (Transfer Between Accounts)”
Source Account
Destination Account
Enter the Transfer Amount
Confirm → Execute
👉 In most cases, the process is instantaneous.
Main Use Cases for Transferring Funds Between Accounts
① Separating funds for EA and discretionary trading
MT5: EA Management
MT4: Discretionary Trading
👉 Easily diversify risk and track performance
② Try a new account type
Standard → KIWAMI
Micro → Standard
👉 Changing your environment without making an additional deposit
③ Temporarily increasing your margin
Countering unrealized losses
Restoring your margin maintenance ratio
Basic Information on XM Inter-Account Fund Transfers
Below, we’ll provide a basic overview and detailed explanation of XM Inter-Account Fund Transfers (Internal Transfers), divided into sections on “Mechanism, Conditions, Procedures, and Important Points” for beginners. This can be done through the platform, either the app or PC. Follow the instructions depending on your cryptocurrency or foreign exchange. The process is the same for both standard and micro accounts, and can be accessed with a click from the on-screen menu.
What is XM Inter-Account Fund Transfers?
XM has a system that allows you to transfer funds between multiple trading accounts (MT4/MT5) held within the same account.
This is commonly referred to as “Inter-Account Fund Transfers (Internal Transfers).”
Basic Features
✔ Instant Transfer, No Fees
Fund Transfers are reflected in real time or within minutes
Completely no fees
✔ Transfers between MT4 and MT5 are also possible
MT4 Account → MT4 Account
MT5 Account → MT5 Account
Transfers between MT4 and MT5 are also possible
- However, the “account base currency” will be affected (see below).
✔ Limited to the same name and account
Only applicable to accounts within the same XM account
Transfers to other accounts or accounts under a different name are not permitted
What Can and Can’t Be Transferred
What Can Be Transferred
Margin (Cash Balance)
Actual Funds Available for Trading
What Can’t Be Transferred (Important)
❌ Bonuses
❌ Open Positions
❌ Unrealized Profit and Loss
- However, the bonus may be automatically recalculated and reflected in the transferred account.
Basic Procedure for Transferring Funds Between Accounts
Log in to the XM Membership Page
Select “Transfer Funds (Transfer Between Accounts)”
Source Account
Destination Account
Enter the Transfer Amount
Confirm → Execute
👉 In most cases, the process is instantaneous.
Main Use Cases for Transferring Funds Between Accounts
① Separating funds for EA and discretionary trading
MT5: EA Management
MT4: Discretionary Trading
👉 Easily diversify risk and track performance
② Try a new account type
Standard → KIWAMI
Micro → Standard
👉 Changing your environment without making an additional deposit
③ Temporarily increasing your margin
Countering unrealized losses
Restoring your margin maintenance ratio
What to do if you can’t transfer funds with XM.
Below, we’ll explain the main causes and solutions for when you can’t transfer funds (between accounts) with XM.
We’ll explain them in order of the most common issues.
This section will help even those who are currently having trouble transferring funds on the official website troubleshoot the issue. We’ll also provide a list of important information to keep in mind when accessing the broker’s website and making a request. Be sure to remember how to use and send the request.
① The margin maintenance ratio is insufficient.
Common Cause
Positions are open and there is an unrealized loss.
Transferring funds will cause the maintenance ratio to fall below a certain level.
👉 XM does not allow transfers when there is a risk of a liquidation cut.
Solution
Closing some or all of your positions.
Wait until the unrealized loss is resolved.
Deposit additional funds before transferring.
② The transfer amount has exceeded the limit.
Common Cause
Specifying an amount greater than your equity, rather than your “balance.”
Calculating using bonuses.
Solution
Reduce the transfer amount.
Recalculate using only actual funds.
Check the “Transfer Amount” on the member page.
③ Attempting to transfer from an account with a bonus.
Common Cause
Account with a high bonus ratio.
Transferring will significantly reduce your bonus, which will result in restrictions.
Solution
Transfer small amounts after agreeing to the bonus reduction.
Use your bonus through trading first.
Manage your bonus separately in a separate account.
④ Account is invalid, frozen, or dormant.
Common Causes
No trading for a long time.
Left with zero balance.
Violation of terms and conditions, currently under investigation.
Solution
Check account status on the member page.
Open a new account for invalid accounts.
If unsure, contact XM Support.
⑤ Selecting an account that is not part of the same account.
Common Causes
Specifying the account number of a different account.
Same name but different login ID.
👉 Transfers between accounts are limited to the same account.
Solution
Check “Are they under the same account?” on the member page.
Transfers are not possible for different accounts (withdrawals only).
⑥ Restrictions/calculation errors due to different account currencies.
Common Causes
JPY account → USD account.
Following the minimum transfer amount after conversion.
Solution
Increase the transfer amount.
Transfer between accounts with the same currency.
Avoid fractional amounts.
⑦ System error/maintenance.
Common Causes
Server maintenance.
Temporary communication error.
Solution
Wait a few minutes to a few hours and try again.
Change browser (Chrome / Edge)
Clear your cache and log in again
Unusual fund transfer history
Common causes
Frequent fund transfers
Transfers without actual transactions
Behavior that may be suspected of being for bonus purposes
Solution
Create a trading record
Limit the number and amount of transfers
Confirm the situation with support (explain honestly)
Frequently Asked Questions About XM Fund Transfers
Below are frequently asked questions (FAQs) about XM fund transfers (inter-account transfers and withdrawals), focusing on the most frequently asked questions and issues.
❓1. Is inter-account fund transfer free?
Yes, it is free.
XM Fund Transfers (internal transfers) between accounts do not incur any fees.
❓2. How long does it take for a fund transfer to be reflected?
In most cases, the transfer is reflected immediately or within a few minutes.
In rare cases, it may take several tens of minutes depending on system conditions.
❓3. Can I transfer funds between MT4 and MT5 accounts?
Yes.
As long as it is within the same XM account.
MT4 → MT5
MT5 → MT4
Both are supported.
❓4. Can I transfer bonuses as well?
No.
Only actual funds can be transferred.
⚠ When you transfer funds,
the bonus in the source account will be automatically deducted or forfeited.
❓5. Will I receive a bonus in the destination account after transferring funds?
It depends on the case.
Deposit bonus:
👉 May be recalculated in the destination account.
Account opening bonus:
👉 Generally not restored.
※ Bonuses are managed on an account-by-account basis.
❓6. Can I transfer funds while holding positions?
Yes, but caution is required.
The source account’s
Available Margin
Margin Maintenance Ratio
will decrease.
👉 As this may trigger a stop loss,
it is generally recommended to transfer funds after all positions have been settled.
❓7. What happens if the account currencies are different?
For example, if transferring from a JPY account to a USD account.
👉 Automatic conversion will occur at the XM exchange rate.
⚠ Foreign exchange losses and gains may occur.
❓8. Are there any upper or lower limits for fund transfers?
There is no clear official limit, but
There may be restrictions based on your account balance and maintenance ratio.
👉 If your margin maintenance ratio is low, transfers may not be possible.
❓9. Can I transfer funds to another account or someone else’s account?
No.
Fund transfers are limited to those under the same name and within the same XM account.
Open an account for free
XM allows you to open an account for free. Please refer to the following article for more information. Each investor can trade quickly and freely choose their own account type. Scalping is also available, so start earning profits right away.
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