About this guide: xemsignup.com is an independent affiliate website. Account specifications on this page are sourced directly from XM Global's official documentation and verified against current registration data. All accounts are opened and managed exclusively by XM Group regulated entities: XM Global Limited (FSC Belize, license 000261/397), Trading Point of Financial Instruments Ltd (CySEC Cyprus, license 120/10), Trading Point of Financial Instruments Pty Ltd (ASIC Australia, AFSL 443670), and Trading Point MENA Limited (DFSA Dubai, license F003484).

On this page
  1. 1 Overview — five account types at a glance
  2. 2 Standart Hesab XM
  3. 3 Mikro-Hesab XM
  4. 4 XM Ultra Low Standard Account
  5. 5 XM Ultra Low Micro Account
  6. 6 XM Shares Account
  7. 7 Full comparison table
  8. 8 Which account type should you choose?
  9. 9 Leverage rules and automatic reduction
  10. 10 Frequently asked questions

Five XM Account Types — Overview

XM organises its real accounts into two groups. The first group — Standard, Micro, and Shares — uses standard variable spreads with no commission. The second group — Ultra Low Standard and Ultra Low Micro — offers tighter spreads, also with no commission. All accounts use a No Dealing Desk (NDD) execution model, which means orders are processed automatically without manual dealer intervention.

The one account that stands apart from all others is the Shares Account. It is not a leveraged CFD account — it is for trading individual stocks from the US, UK, and German markets without leverage, on MT5 only, with commission charged per transaction. Every other account can trade forex, CFDs, metals, indices, and crypto.

Note on availability: XM Ultra Low accounts and the Shares Account are not available through all XM Group entities. Which entity serves you depends on your country of residence. EU residents are served by the CySEC-regulated entity, Australians by the ASIC entity, Middle East clients by DFSA, and most other countries by the FSC Belize entity (XM Global Limited).

XM Standard Account — Full Lot Trading with No Commission

Standard Account
Suitable for most trader levels. No commission. Variable spread.
Most Popular
Minimum əmanət
$5
Maksimum Kredit çiyni
1:1,000
Lot Size
1 Lot = 100,000
Min Trade
0.01 Lots
Komissiya
Yoxdur
Stop-out
20%
Spread Type
Variable
Platforms
MT4 / MT5
Base Currencies
USD EUR GBP JPY CHF AUD HUF PLN SGD ZAR

The Standard Account is XM's broadest offering — it trades full-size lots (100,000 currency units), supports all instrument categories available on XM, and comes with no per-trade commission. It works on both MT4 and MT5, and accepts ten different base currencies. Best for: traders who are comfortable with standard lot sizes, want full instrument access, and prefer a commission-free cost structure built into the spread.

Açmaq üçün Standart hesab → Full Standard Account Guide →

XM Micro Account — Smaller Lots for Lower Per-Trade Risk

Micro Account
Smaller contract size. Lower dollar risk per pip. Good for learning with real money.
Beginner Friendly
Minimum əmanət
$5
Maksimum Kredit çiyni
1:1,000
Lot Size
1 Lot = 1,000
Min Trade
0.1 Lots
Komissiya
Yoxdur
Stop-out
20%
Spread Type
Variable
Platforms
MT4 / MT5
Base Currencies
USD EUR GBP JPY CHF AUD HUF PLN SGD ZAR

The Micro Account uses a contract size of 1,000 units per lot — one-hundredth of a standard lot. In practical terms, one pip on EURUSD with a 0.1 lot Micro trade is worth about $0.01 rather than $1.00. This makes each trade significantly smaller in dollar terms, which is valuable when you are building experience on live markets without wanting to risk large amounts per position. Best for: new traders going from demo to real, or experienced traders testing a new strategy with minimal exposure while they validate results.

Açıq Mikro-hesab → Full Micro Account Guide →

XM Ultra Low Standard Account — Tightest Spreads, Full Lot Size

Ultra Low Standard Account
Lower spreads than Standard. Full lot size. Commission-free.
Low Spread
Minimum əmanət
$5
Maksimum Kredit çiyni
1:1,000
Lot Size
1 Lot = 100,000
Min Trade
0.01 Lots
Komissiya
Yoxdur
Stop-out
20%
Spread Type
Variable (ultra low)
Platforms
MT4 / MT5
Base Currencies
EUR USD GBP AUD ZAR SGD

The Ultra Low Standard Account trades the same full-size lots as the Standard Account but with notably tighter variable spreads. For traders who open multiple positions per day, smaller spreads reduce the cost of entry on each trade. Commission remains zero, so the spread is the only trading cost. The base currency selection is narrower than Standard (six currencies versus ten). Best for: active traders and scalpers who trade in standard lots and want to minimise spread costs without paying per-trade commission.

Open Ultra Low Standard → Full Guide →

XM Ultra Low Micro Account — Tight Spreads with Small Lot Sizes

Ultra Low Micro Account
Tight spreads combined with small contract sizes. Low entry risk.
Minimum əmanət
$5
Maksimum Kredit çiyni
1:1,000
Lot Size
1 Lot = 1,000
Min Trade
0.1 Lots
Komissiya
Yoxdur
Stop-out
20%
Spread Type
Variable (ultra low)
Platforms
MT4 / MT5
Base Currencies
EUR USD GBP AUD ZAR SGD

The Ultra Low Micro combines the tighter spreads of the Ultra Low range with the reduced contract size of the Micro Account. It gives you lower spread costs and a smaller dollar value per pip — two characteristics that work together well for traders who are risk-conscious but still want competitive pricing. Best for: traders who want the benefits of a low-spread environment but prefer working with smaller position sizes, particularly those building consistency before moving to full standard lots.

Open Ultra Low Micro → Full Guide →

XM Shares Account — Individual Stock Trading without Leverage

XM Shares Account
Real individual stock trading. US, UK, and German markets. MT5 only.
Stocks Only
Minimum əmanət
$10,000
Kredit çiyni
No Leverage
Lot Size
1 Share
Min Trade
1 Lot
Komissiya
Applicable*
Stop-out
20%
Alətləri
Shares only
Platform
MT5 Only
Base Currency
USD only

The Shares Account is categorically different from the other four account types. It is not for CFD trading — it is for buying and selling individual shares in companies listed on US, UK, and German exchanges. There is no leverage, meaning you pay the full market price for each share. Commission is charged on every transaction: $0.04 per share for US stocks (minimum $1 per transaction), 0.10% for UK shares (minimum $9), and 0.10% for German shares (minimum $5). Only 100 stock issues are available. Best for: traders who specifically want stock exposure without CFD structure, and who can meet the $10,000 minimum deposit requirement.

Open Shares Account →
Commission rates for Shares Account: US shares — $0.04 per share, minimum $1 per transaction. UK shares — 0.10% per transaction, minimum $9. German shares — 0.10% per transaction, minimum $5. These are the only XM accounts where commission applies.

Full XM Account Type Comparison Table

All five account types side by side. Use this to confirm which specification fits your trading approach before registering.

Specification Standart Mikro Ultra Low Std Ultra Low Micro Shares
Minimum əmanət$5$5$5$5$10,000
Maksimum Kredit çiyni1:1,0001:1,0001:1,0001:1,000No leverage
Contract Size100 000 ədəd1000 ədəd100 000 ədəd1000 ədəd1 share
Min Trade Volume0.01 lots0.1 lots0.01 lots0.1 lots1 lot
Max Lot Per Ticket50 lots (10,000 total)100 lots (20,000 total)50 lots (10,000 total)100 lots (20,000 total)Per share rules
Spread TypeVariableVariableVariable (ultra low)Variable (ultra low)Variable
KomissiyaYoxdurYoxdurYoxdurYoxdurApplicable
AlətləriFX, CFDs, Metals, CryptoFX, CFDs, Metals, CryptoFX, CFDs, Metals, CryptoFX, CFDs, Metals, CryptoShares only
CFD Stocks (MT5)YesYesYesYesN/A
PlatformMT4 / MT5MT4 / MT5MT4 / MT5MT4 / MT5MT5 Only
Base CurrenciesUSD EUR GBP JPY CHF AUD HUF PLN SGD ZARUSD EUR GBP JPY CHF AUD HUF PLN SGD ZAREUR USD GBP AUD ZAR SGDEUR USD GBP AUD ZAR SGDUSD only
Stop-out Level20%20%20%20%20%
Negative Bal. ProtectionYesYesYesYesYes
Deposit BonusEligible*Eligible*Eligible*Eligible*N/A
Dormancy Fee$5/month after 3 months of inactivity — applies to all account types

* Bonus eligibility depends on country of residence and the XM entity under which your account is registered. Not available to clients of Trading Point of Financial Instruments Ltd (CySEC regulated entity).

Ready to open your account?

All five account types are available through the same registration form. Choose your account type during step 2 of the process.

Open Real Account → How to Open Real Account →

Which XM Account Type Should You Choose?

The answer depends on three things: how much you plan to deposit, what your typical position size looks like, and how important low spreads are to your trading cost.

If you are new to live trading and starting with under $500

Bu Micro Account və ya Ultra Low Micro Account is the more practical choice. The smaller lot size means a $200 deposit can support real trades without the margin pressure that full standard lots create at the same balance level. The Ultra Low Micro adds tighter spreads on top, which is useful even at low volume.

If you already trade standard lots and want to minimise spread costs

Between the Standart və Ultra Low Standard, the Ultra Low Standard will generally produce lower total trading costs for active traders, since tighter spreads reduce the cost of every entry and exit. The trade-off is a narrower base currency selection.

If you want to trade individual company shares

Only the Shares Account allows this. Note the $10,000 minimum deposit and the per-transaction commission structure — this is a materially different product from the other four accounts, and the decision to use it should factor in how frequently you plan to trade and whether the commission rates make economic sense at your expected trade size.

If you cannot decide between Standard and Micro (or Ultra Low variants)

You do not have to pick just one. Once your first real account is verified, you can open additional accounts of different types from the Member Area in under a minute — no additional KYC required. Many traders run a Standard and a Micro account simultaneously to keep different strategies separate.

XM Leverage Rules — How Maximum Leverage Changes as Your Balance Grows

Maximum leverage on all XM accounts (except the Shares Account, which has no leverage) is not fixed permanently at 1:1,000. XM applies automatic reductions as account equity increases. These reductions apply to the XM Global Limited entity (FSC Belize) and protect clients from disproportionate exposure at larger balances.

  • Account balance below $20,000 — maximum leverage 1:1,000
  • Account balance between $20,000 and $100,000 — maximum leverage automatically reduced to 1:200
  • Account balance above $100,000 — maximum leverage automatically reduced to 1:100

The margin maintenance ratio does not change during overnight rollover or across weekends — this is one of the features XM specifically highlights as a trading condition benefit.

EU and Australian clients: If your account is registered under the CySEC entity (EU residents) or ASIC entity (Australian residents), leverage is capped at significantly lower levels under local regulations. EU retail clients are limited to 1:30 on major forex pairs, 1:20 on minor pairs and gold, 1:10 on commodities, 1:5 on shares, and 1:2 on cryptocurrencies under ESMA rules. Australian clients face similar restrictions under ASIC. The 1:1,000 maximum applies to XM Global Limited (Belize) clients outside these jurisdictions.

Frequently Asked Questions — XM Account Types

XM offers five real account types: Standard Account, Micro Account, Ultra Low Standard Account, Ultra Low Micro Account, and XM Shares Account. Standard and Micro use standard variable spreads. Ultra Low accounts offer tighter spreads. The Shares Account is for individual stock trading only, requires MT5, and has a $10,000 minimum deposit.
For most new traders, the Micro Account or Ultra Low Micro Account offers the most practical introduction to real trading. Both allow a $5 minimum deposit and use lot sizes 100 times smaller than standard accounts, which reduces the dollar value at risk per pip significantly. This lets you trade real markets without exposing large amounts while you develop consistency.
The minimum first deposit is $5 (or equivalent in your base currency) for Standard, Micro, Ultra Low Standard, and Ultra Low Micro accounts. The XM Shares Account requires a minimum deposit of $10,000 due to its non-leveraged individual stock trading structure.
The primary difference is the spread. Ultra Low accounts offer tighter variable spreads than their Standard equivalents. Both groups charge no commission and offer the same maximum leverage of 1:1,000. The Standard and Micro accounts support ten base currencies, while Ultra Low accounts support six (EUR, USD, GBP, AUD, ZAR, SGD).
You cannot convert an existing account from one type to another. However, once your first real account is KYC-verified, you can open additional accounts of any type from the XM Member Area without repeating the verification process. This allows you to run multiple account types simultaneously — useful for separating different strategies.
No. The XM Shares Account and Ultra Low accounts are not available through all XM Group entities. Availability depends on which regulated entity serves your country of residence. It is advisable to confirm availability directly during the registration process, as the account type selection is presented based on your jurisdiction.
XM Global Limited (Belize entity) automatically reduces maximum leverage as your balance increases: 1:1,000 below $20,000 balance; 1:200 between $20,000 and $100,000; 1:100 above $100,000. These thresholds apply to account equity, not deposits. EU and Australian clients face lower leverage caps set by CySEC and ASIC regulations regardless of balance.

Related guides

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Deposit
How to Fund Your XM Account
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