This article introduces and explains recommended withdrawal methods (bank transfer, credit card), procedures, fees, and withdrawal refusals from an Xmtrading trading account. Once you know how to deposit on XMTrading, you need to know how to withdraw. I think there are many people who want to know what withdrawal methods XM supports, such as fees and bank transfer procedures, and whether they can withdraw money properly. We will explain in detail how to withdraw money from XM, the rules to be aware of, and the possibility of trouble. We also summarize the reflection time, the time it takes, as well as the withdrawal rules and the possibility of withdrawal refusal. We will also explain the usage fees.
- XMtrading
- XMTrading Features and Services
- Main Services of XMTrading
- Overview of XM Trading Withdrawal Methods
- XM Trading Withdrawal Rules
- XM Trading Bank Wire Withdrawal Procedure and Fees
- XM Trading Credit Card and Debit Card Withdrawal Procedures and Fees
- XMtrading Online Wallet Withdrawal Procedures and Fees
- XMTrading Cryptocurrency Withdrawal Procedure and Fees
- Which XM Trading Withdrawal Method is Recommended? Comparison
- Comparing XM Trading’s Withdrawal Methods with Other Companies
- Are withdrawals rejected? Actual examples
- Frequently Asked Questions
- Q1. How long does it take for a withdrawal to be completed?
- Q2. What is the minimum withdrawal amount?
- Q3. What are the withdrawal fees?
- Q4. By which method can I withdraw my profits?
- Q5. Why can’t I withdraw?
- Q6. What happens to bonuses when I withdraw?
- Q7. From which banks can I withdraw?
- Q8. Is XM secure for withdrawals?
- Related
XMtrading
| Operating company (運営会社) | Tradexfin Limited Fintrade Limited |
| Head office location(本社所在地) | Unit E, F28, Eden Plaza, Eden Island, Republic of Seychelles |
| Founding year(創業年) | 2009 |
| Financial License(金融ライセンス) | セーシェル金融サービス規制当局（FSA）SD010：Tradexfin Mauritius Financial Services Commission (FSC：モーリシャス金融サービス委員会)：Fintrade Limited Cyprus Securities and Exchange Commission (CySEC)：Trading Point of Financial Instruments Ltd |
| Language support（言語対応） | English、日本語、Malay、Thai |
| Platform(トレードツール) | MetaTrader 4 (MT4)／MetaTrader 5 (MT5) |
| Service Countries（サービス提供国） | Over 190 countries（190か国以上） |
| Number of users（利用者数） | Over 1 million accounts、100万口座突破 |
| Max Leverage(最大レバレッジ) | 1000x |
| Eligible products（対象商品） | Forex、Metal、Stocks、Equity Indices / Index CFD、Energy CFD、Commodities、Cryptocurrency |
XMTrading Features and Services
XMTrading is an overseas FX broker that allows you to trade financial products such as FX (foreign exchange) and CFDs online. It offers services to traders from all over the world, and is used by beginners and advanced traders alike.
Leverage up to 1000x
XMTrading allows you to trade with up to 1000x leverage.
This allows you to make large trades with a small amount of capital, making it popular among overseas FX brokers.
Example
¥10,000 → Trade up to ¥10 million
*Note: Leverage increases both profits and losses.
Over 1,400 Trading Instruments
You can trade a wide range of financial products, including:
Main Trading Instruments
FX (Currency Pairs)
Stock Indices
Individual Stock CFDs
Precious Metals such as Gold and Silver
Energy Instruments such as Crude Oil
Cryptocurrencies
Over 1,400 instruments in total are available for trading.
No Negative Balance (Zero Cut System)
XMTrading uses a zero cut system.
This means
Losses will never exceed your account balance.
For example,
A balance of ¥0 means no debt.
This system is a major advantage of overseas FX trading.
Numerous Bonus Campaigns
XMTrading is known for its generous bonuses.
Main Examples
Account Opening Bonus
Deposit Bonus
Trading Points (Loyalty Program)
Bonuses worth up to $5,000 may be offered.
Trading Platform (MT4/MT5)
XMTrading supports the following trading tools.
Main Platforms
MetaTrader 4 (MT4)
MetaTrader 5 (MT5)
WebTrader
Trading is available on PC, smartphone, tablet, etc.
Main Services of XMTrading
① FX Trading
Trade a wide range of currency pairs, from major to minor.
Example
USD/JPY
EUR/USD
GBP/JPY
② CFD Trading
You can trade stock indices, commodities, and other assets using contracts for difference (CFDs).
Example
Nikkei 225
NASDAQ
S&P 500
③ Cryptocurrency Trading
You can also trade cryptocurrencies such as Bitcoin.
Some stocks are available for 24-hour trading.
④ Educational Content
Educational content for beginners is also available.
FX Webinars
Trading Seminars
Trading Signals
Economic Calendar
⑤ VPS Service
Free VPS is available if certain conditions are met.
Using a VPS enables:
EA (Automated Trading)
24-hour trading
and more.
Advantages of XMTrading
Up to 1000x Leverage
Generous Bonuses
Zero Cut, No Debt Risk
Compatible with MT4 and MT5
Japanese Support
Disadvantages of XMTrading
Not Registered with the Financial Services Agency of Japan
Spreads May Be Wide Depending on the Broker
High Leverage Carries High Risk
Overview of XM Trading Withdrawal Methods
XM Trading offers several withdrawal methods for withdrawing funds from your trading account to a bank account, online wallet, or other account. Here’s a clear overview of the withdrawal methods.
Domestic Bank Wire
Direct Transfer to a Japanese Bank Account
Most Common Method for Withdrawing Profits
Estimated Delivery: 2-5 Business Days
Features
Profits can also be withdrawn
No fees for withdrawals over ¥400,000
A fee of approximately ¥2,500 may be charged for withdrawals under ¥400,000
Credit Card/Debit Card
VISA cards are primarily accepted
Withdrawals are possible up to the amount deposited
Features
Profits cannot be withdrawn
Depending on the card company’s processing time
bitwallet (Online Wallet)
Electronic Wallet Service
Withdrawals are reflected relatively quickly after request (usually within 24 hours)
Features
Suitable for small withdrawals
Withdrawals are possible up to the amount deposited
Profits must be withdrawn via bank wire
BXONE (Online Wallet)
Electronic wallet used for overseas FX
Reflected in wallet immediately to within 24 hours
Features
Relatively low fees
Withdrawals are possible up to the amount deposited
Virtual Currency (Crypto Assets)
Some accounts allow withdrawals in crypto assets such as
BTC
USDT
Features
Transfer to an exchange wallet
Sometimes faster than international transfers
XM Trading Withdrawal Rules
XM (XM) has several withdrawal rules to prevent fraud and manage funds. Failure to understand these rules may result in your withdrawal request being canceled or delayed. Here is a clear summary of the main rules.
Withdraw the deposit amount using the same method.
XM requires withdrawals up to the amount deposited using the same method as the deposit.
This is a rule to prevent money laundering.
Example
Deposit ¥100,000 via credit card
→ Upon withdrawal, ¥100,000 will be returned to the card.
Withdraw profits via bank transfer
Profits earned from trading can only be withdrawn via bank transfer.
Example
Credit card deposit: ¥100,000
Post-trade balance: ¥150,000
Withdrawal Method
Type: Withdrawal Method
Deposit Amount: ¥100,000
Credit Card
Profits: ¥50,000
Bank Transfer
Priority Order When Using Multiple Deposit Methods
If you deposit using multiple methods, withdrawals are prioritized.
General Procedure (Example)
Credit Card
Online Wallet
Bank Wire (Profits)
Withdrawals Must Be in Your Name
Withdrawals can only be made to accounts in your own name.
The account you can withdraw from must be in the same name as your XM account.
Transfers to bank accounts in other people’s names are not accepted.
Bonuses Disappear Upon Withdrawal
XM deposit bonuses can be used as margin, but if you withdraw, the bonus may be lost.
Withdrawals Are Restricted While Holding Positions
If you have a trading position, withdrawals that would lower your margin maintenance rate are not permitted.
Bank Wire Fee Rules
For bank wire transfers:
Over ¥400,000 → No fee
Less than ¥400,000 → Approximately ¥2,500
This may apply.
XM Trading Bank Wire Withdrawal Procedure and Fees
XM Trading’s “Bank Wire Withdrawal” is a standard method for withdrawing funds, including profits, directly to a Japanese bank account. Here, we’ll explain the withdrawal procedure and fees in an easy-to-understand manner.
① Log in to the Membership Page
First, log in to your XM membership page (My Page).
② Select “Withdraw Funds.”
From the menu, select
Withdraw Funds (Withdrawal)
↓
Bank Wire (Local Bank Transfer / Bank Wire)
③ Enter Bank Account Information
Enter the following bank information:
Bank Name
Branch Name
Account Number
Account Name (Romanized)
SWIFT Code
Withdrawal Amount
*Only bank accounts with the same name as your XM account are accepted.
④ Submit Withdrawal Request
Confirm the details
Click “Confirm Withdrawal.”
The withdrawal will be processed by XM and typically completed within 24 hours.
⑤ Funds arrive in your bank account
After XM processing, the funds will be transferred to your bank.
Delivery time: Approximately 2-5 business days
XM Bank Withdrawal Fees
| 項目 | 手数料 |
|---|---|
| XM側の出金手数料 | 基本無料 |
| 40万円未満の出金 | 約2,500円 |
| 40万円以上 | 無料 |
| 銀行受取手数料 | 約3,000円前後（銀行による） |
For domestic bank transfers, the following is generally true:
Withdrawals under ¥400,000 → Approximately ¥2,500
Over ¥400,000 → XM bears the fee.
In addition, your bank may impose a lifting charge (approximately 0.05%).
Basic Conditions for Bank Withdrawals
Minimum Withdrawal Amount: ¥10,000
Maximum Withdrawal Amount: Unlimited
Withdrawals of Profits: Allowed
XM Trading Credit Card and Debit Card Withdrawal Procedures and Fees
XM (XM) allows you to withdraw up to the amount deposited by credit card or debit card (primarily VISA). Here, we’ll explain the withdrawal procedure and fees in an easy-to-understand manner.
Log in to the Membership Page
First, log in to your XM membership page (My Page).
Select “Withdraw Funds”
From the menu, select
Withdraw Funds (Withdraw Funds)
↓
Credit/Debit Card
Enter the Withdrawal Amount
Enter the following information on the withdrawal screen:
Withdrawal Amount
Withdrawal Method (Card)
Notes
You can only withdraw up to the amount deposited on your card.
Withdraw profits via another method, such as bank transfer.
Example
Details: Amount: Card deposit: ¥100,000, Account balance: ¥150,000, Card withdrawal: ¥100,000, Profit withdrawal: ¥50,000 (Bank transfer)
Submit withdrawal request
Confirm the details.
Click Confirm Withdrawal.
XM usually processes within 24 hours.
Refund processing by card company
After processing by XM, your card company will process your refund.
Delivery time: Approximately 1 week to 2 months
This may vary depending on the card company’s closing date.
*This may appear as “Refund” or “Cancellation” on your card statement.
Credit Card Withdrawal Fees
Item Fees: XM fee: Free, Card company fee: Free, Profit withdrawals not permitted
XM generally charges no fees for card withdrawals.
Conditions for Credit Card Withdrawals
The main conditions are as follows:
Minimum withdrawal amount: Approximately ¥500
Withdrawal limit: Up to the card deposit amount
Withdrawals of profits: Not permitted (bank transfer)
Supported brands: Primarily VISA
Withdrawals may not be accepted via JCB
XMtrading Online Wallet Withdrawal Procedures and Fees
XMtrading primarily accepts online wallet withdrawals via:
bitwallet
BXONE
Online wallets are popular because of their fast withdrawal speeds and the ability to withdraw small amounts.
① Log in to the Membership Page
First, log in to your XM membership page (My Page).
② Click “Withdraw Funds.”
From the menu, select
Withdraw Funds (Withdraw Funds)
↓
Online Wallet (bitwallet / BXONE)
③ Enter Wallet Information
Enter the following information:
Wallet ID (e.g., registered email address)
Withdrawal Amount
*Only the wallet used for depositing will be displayed.
④ Submit Withdrawal Request
Confirm the details and click “Request Withdrawal.”
To complete your request, please click “Request Withdrawal.”
XM typically processes your request within 24 hours.
⑤ Funds Reflected in Wallet
For Online Wallets
Money will be reflected in your wallet almost instantly to within a few hours.
You can then transfer funds from your wallet to a bank account.
Online Wallet Withdrawal Fees
① XM Fees
XMTrading Fees
Basically free.
② bitwallet Fees
Item Fees: XM → bitwallet (Free)
bitwallet → Bank (Approx. ¥824)
bitwallet is characterized by its low bank transfer fees.
③ BXONE Fees
Item Fees: XM → BXONE (Free)
BXONE → Bank (Approx. ¥2,000+)
For withdrawals over ¥200,000,
the fee may be approximately 1% of the withdrawal amount.
Online Wallet Withdrawal Requirements
| 項目 | 内容 |
|---|---|
| 最低出金額 | 約500〜800円 |
| 出金速度 | 即時〜数時間 |
| 利益出金 | 不可（銀行送金のみ） |
Online wallets only allow withdrawals up to the amount deposited; profits must be withdrawn via bank wire.
XMTrading Cryptocurrency Withdrawal Procedure and Fees
XMTrading also allows withdrawals using cryptocurrencies (crypto assets). This method can sometimes arrive faster than bank transfers, and funds are sent directly to your wallet, such as Bitcoin. Here, we’ll explain the withdrawal procedure and fees in an easy-to-understand manner.
Log in to the XMTrading Membership Page
First, log in to your XMTrading Membership Page (My Page).
Select “Withdraw Funds.”
From the menu, select
Withdraw Funds (Withdraw Funds)
↓
Cryptocurrency
Select the cryptocurrency you want to withdraw.
Examples of supported currencies:
BTC (Bitcoin)
ETH (Ethereum)
USDT (Tether)
XRP (Ripple)
Select, among others.
Enter your wallet address
Enter the following information:
Cryptocurrency wallet address
Withdrawal amount
Confirm your input and submit.
Submit a Withdrawal Request
Once you submit your “Withdrawal Request,” it will be processed by XM.
XM Processing Time: Usually within 24 hours
Funds Arriving in Your Wallet
Once processed, the funds will be transferred to your cryptocurrency wallet.
Delivery Time: Approximately a few minutes to 24 hours
Cryptocurrency Withdrawal Fees
| 項目 | 手数料 |
|---|---|
| XMの出金手数料 | 基本無料 |
| ブロックチェーン手数料 | 通貨・ネットワークによる |
| USDT（300ドル未満） | 約15ドル |
XM has no fees for cryptocurrency withdrawals, but there may be a fee of approximately $15 for withdrawals of USDT (ERC20) under $300.
Cryptocurrency Withdrawal Requirements
| 項目 | 内容 |
|---|---|
| 最低出金額 | 約1万円 |
| 出金上限 | 入金額まで |
| 利益出金 | 方法によって制限あり |
| 処理時間 | 約24時間以内 |
In addition, XM has a rule that withdrawals must be made using the same method as the deposit, so cryptocurrency withdrawals are available if you deposit with cryptocurrency.
Which XM Trading Withdrawal Method is Recommended? Comparison
XM offers several withdrawal methods,
but recommendations vary based on speed, fees, and ease of use.
First, let’s compare the main withdrawal methods in a comparison table.
XM Withdrawal Method Comparison
| 出金方法 | 反映時間 | XM手数料 | 最低出金額 | 利益出金 | 特徴 |
|---|---|---|---|---|---|
| 国内銀行送金 | 2〜5営業日 | 40万円未満：2,500円 | 約1万円 | ○ | 利益出金できる |
| クレジットカード | 数日〜最大2ヶ月 | 無料 | 約800円 | × | 入金額の返金のみ |
| bitwallet | 即時〜24時間 | 無料 | 約500円 | × | 出金が速い |
| BXONE | 即時〜24時間 | 無料 | 約500円 | × | 海外FXで人気 |
| 仮想通貨 | 数分〜24時間 | 無料 | 約1万円 | △ | 入金方法による |
*XM only accepts profit withdrawals via bank wire.
① Overall Recommendation → bitwallet
The Most Balanced Withdrawal Method
Reasons
Fast Withdrawals (Instant – 24 Hours)
XM Fee-Free
Low Bank Wire Fees (Approximately ¥824)
Withdrawals Possible from Small Amounts
However
Profit Withdrawals Require Bank Wire
② Withdrawing Profits → Domestic Bank Wire
Required for Profit Withdrawals
Features
Profit Withdrawals Possible
Free Fees for Withdrawals Over ¥400,000
Deposits Take 2-5 Business Days
Recommended for
Who Wants to Cash Out Profits
Withdraw Large Amounts
③ Extremely Fast → Online Wallets / Cryptocurrency
Fastest:
bitwallet
BXONE
Cryptocurrency
These methods are often reflected immediately.
④ Small Withdrawals → Credit Card
Features
Withdrawals Possible from Approximately ¥800
Free Fees
However
Deposit Refunds Only
Returns Take Slow (Up to 2 Months)
Comparing XM Trading’s Withdrawal Methods with Other Companies
XM’s withdrawal method is convenient, but compared to other overseas FX companies, there are differences in fees, speed, and options. Here, we’ll explain it clearly by comparing it with major overseas FX companies.
Comparing Overseas FX Withdrawal Methods
| 会社 | 主な出金方法 | 最速出金 | 特徴 |
|---|---|---|---|
| XMTrading | 銀行送金 / VISA / bitwallet / BXONE | 即時〜24時間（ウォレット） | 日本人向け決済が多い |
| AXIORY | 銀行送金 / VISA / STICPAY / 仮想通貨 | 即時〜1日 | 仮想通貨対応 |
| Titan FX | 銀行送金 / カード / bitwallet | 即時〜1日 | 利益もウォレット出金可 |
| FXGT | 銀行送金 / 仮想通貨 / ウォレット | 即時〜1日 | 仮想通貨が強い |
XM offers a wide variety of deposit and withdrawal methods, and is characterized by its comprehensive payment options for Japanese customers.
Bank Wire Fee Comparison
| 会社 | 手数料 | 無料条件 |
|---|---|---|
| XMTrading | 約2,500円 | 40万円以上無料 |
| AXIORY | 約2,000円 | 2万円以上無料 |
| Titan FX | 無料 | 条件なし |
| FXGT | 無料 | 条件なし |
XM has somewhat strict bank wire conditions, with a fee for transactions under ¥400,000.
Withdrawal Speed Comparison
| 会社 | 最速出金 |
|---|---|
| XMTrading | 数分〜24時間（ウォレット） |
| AXIORY | 即時〜1日 |
| Titan FX | 即時〜1日 |
| FXGT | 即時 |
Online wallets are the fastest in overseas FX, and XM is considered relatively fast in this method.
Withdrawal Flexibility (Profit Withdrawals)
| 会社 | 利益出金 |
|---|---|
| XMTrading | 銀行送金のみ |
| AXIORY | 銀行・ウォレット |
| Titan FX | 銀行・bitwallet |
| FXGT | 銀行・仮想通貨 |
XM
One of its disadvantages is that profits can only be withdrawn via bank wire.
Are withdrawals rejected? Actual examples
In conclusion, there is little evidence that XM is experiencing frequent withdrawal refusals. However, there have been reported cases of withdrawals being blocked or delayed due to violations of terms and conditions, withdrawal rules, or procedural errors.
Violation of Withdrawal Method Rules
XM has a rule that requires withdrawals to be made using the same method used for deposits.
Profits must be withdrawn via bank transfer.
Example
Credit Card Deposit
Requesting a Withdrawal via Bank Transfer
→ Withdrawal Rejection
Reason
This is because withdrawals must be made using the same method as the deposit.
Withdrawals with a Low Margin Ratio
XM requires a margin maintenance ratio of 150% or more after withdrawals if you are withdrawing while still holding positions.
Actual Case
Account Balance: ¥200,000
Open Position
Request for ¥150,000 Withdrawal
→ Margin Maintenance Ratio Less Than 150%
→ Withdrawal Not Accepted
Weekends are even stricter
More than 400% may be required.
Withdrawal to Another Person’s Account
XM only accepts withdrawals in the account’s own name.
Actual Case
XM Account: Taro Yamada
Bank Account: Family Member’s Name
→ Withdrawal Refusal or Account Freezing
This is an anti-money laundering measure.
Prohibited Trades (Hedging, etc.)
The following actions are prohibited at XM:
Hedging with Multiple Accounts
Hedging with Other Companies
Bonus Abuse
Actual Case
Account A: Buy
Account B: Sell
→ Determined as Bonus Abuse
→ Profits Confiscated and Withdrawal Refusal
Such cases have actually been reported.
KYC (Know Your Customer) Incomplete
Required for overseas FX trading.
Example
Account Opening
ID Verification Not Submitted
Profit Made, Requesting Withdrawal
→ Withdrawal Unavailable
Withdrawals will be available once identity verification is complete.
Frequently Asked Questions
Many users have common questions about XM withdrawals. Here are some frequently asked questions (FAQs).
Q1. How long does it take for a withdrawal to be completed?
The usual time is as follows:
| 出金方法 | 反映時間 |
|---|---|
| 銀行送金 | 約2〜5営業日 |
| クレジットカード | 1週間〜最大2ヶ月 |
| オンラインウォレット | 即時〜24時間 |
| 仮想通貨 | 数分〜24時間 |
XM typically processes within 24 hours.
Q2. What is the minimum withdrawal amount?
It depends on the withdrawal method.
| 出金方法 | 最低出金額 |
|---|---|
| 銀行送金 | 約10,000円 |
| クレジットカード | 約500〜800円 |
| bitwallet / BXONE | 約500円 |
| 仮想通貨 | 約10,000円 |
Q3. What are the withdrawal fees?
XM generally has no fees, but bank transfers have certain conditions.
| 出金方法 | 手数料 |
|---|---|
| 銀行送金 | 40万円未満：約2,500円 |
| 銀行送金 | 40万円以上：無料 |
| クレジットカード | 無料 |
| オンラインウォレット | 無料 |
| 仮想通貨 | ネットワーク手数料のみ |
Q4. By which method can I withdraw my profits?
At XM, as a general rule,
Profits → Bank Wire
withdrawals are made via bank transfer.
Card and online wallet withdrawals are only refundable up to the amount deposited.
Q5. Why can’t I withdraw?
The main reasons are as follows:
Incomplete KYC (Customer Verification)
Withdrawal method different from deposit method
Insufficient margin maintenance ratio
Account held in someone else’s name
Prohibited trading
Q6. What happens to bonuses when I withdraw?
XM bonuses may be lost proportionally when you withdraw.
Example:
Balance of ¥100,000
Bonus of ¥100,000
Withdrawing ¥50,000
→ Bonus partially lost
Q7. From which banks can I withdraw?
Most Japanese banks are available.
Examples
Mitsubishi UFJ Bank
Sumitomo Mitsui Banking Corporation
Rakuten Bank
Sumishin SBI Net Bank
Q8. Is XM secure for withdrawals?
XM has a relatively long history of operation among overseas FX brokers.
Operating Company: Trading Point Holdings Ltd.
Established: 2009
Used by traders from over 190 countries worldwide.
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