About this guide: xemsignup.com is an independent affiliate website. Deposit information on this page is sourced directly from XM Global's official deposit documentation and verified against current XM deposit policies. All deposits are handled 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).

حواله بانکی
Up to 5 working days
Free on deposits ≥$200
Credit / Debit Card
Instant — 24/7
Zero fees
Skrill
Instant — 24/7
Zero fees (XM covers all)
On this page
  1. 1 Minimum deposit amounts by account type
  2. 2 XM deposit rules — what you must know before sending funds
  3. 3 How to deposit via bank wire transfer
  4. 4 How to deposit via credit or debit card (VISA/Mastercard)
  5. 5 How to deposit via Skrill
  6. 6 Deposit method comparison
  7. 7 Frequently asked questions

XM Minimum Deposit Amounts — by Account Type

The minimum deposit amount at XM depends on which account type you hold. Four of the five account types share the same $5 minimum. The Shares Account is the exception, requiring $10,000 due to its non-leveraged structure.

Account typeMinimum deposit
Standard Account$5.00 (or equivalent)
Micro Account$5.00 (or equivalent)
Ultra Low Standard Account$5.00 (or equivalent)
Ultra Low Micro Account$5.00 (or equivalent)
XM Shares Account$10,000.00 (or equivalent)

The $5 minimum applies per deposit transaction. You can deposit in currencies other than your account's base currency — XM will convert the received amount to your base currency at XM's prevailing exchange rate.

XM Deposit Rules — Two Policies You Must Follow Before Sending Funds

XM enforces two firm deposit rules as part of its anti-money laundering compliance. Both are non-negotiable and apply to every deposit method.

Rule 1 — Deposits must come from the account holder only

XM will only accept funds sent from the same person whose name is registered on the trading account. If you send money from a joint bank account, a family member's account, a business account, or any name that does not match your registered name exactly, XM will return the funds. This applies without exception.

When making a bank wire transfer, you are also required to include your registered name and XM trading account number as the payment reference. Missing or incorrect references are the most common cause of deposit delays.

Rule 2 — Withdrawals must use the same method as the deposit

XM requires that withdrawals be returned through the same payment method used for the corresponding deposit, up to the deposited amount. If you deposit $500 by credit card, XM will return up to $500 to that same card before allowing the remainder to be withdrawn elsewhere. Profits earned from trading can be withdrawn via any available method.

This matters practically when you are choosing a deposit method: if you deposit by bank wire and later want a fast withdrawal, the wire transfer route must be used first up to your deposited amount. Traders who want withdrawal flexibility often choose card or Skrill over bank wire for their initial deposit.

Important: XM does not accept Bitcoin or any other cryptocurrency as a deposit method. Accepted methods are limited to bank wire transfer, VISA/Mastercard credit or debit card, and Skrill.

How to Deposit to XM via Bank Wire Transfer

حواله بانکی
ATM or online banking — domestic and international
Up to 5 days Fee on <$200
Processing time
Up to 5 working days
XM deposit fee
Free (≥$200)
Fee below $200
Sender's bank charges
Availability
Most countries

Bank wire transfer lets you send funds from any bank account — via ATM, branch, or online banking — directly to XM's bank. XM accepts deposits in USD, EUR, GBP, and all other currencies tradable within its system. When you send in a currency other than your account's base currency, XM converts it at their prevailing rate upon receipt.

Step-by-step: bank wire deposit to XM

1
Log in to your XM Member Area and navigate to the Deposit section.
2
Select "Bank Wire Transfer" as your deposit method. XM will display the bank account details — beneficiary name, IBAN or account number, SWIFT/BIC code, and bank address.
3
Use your bank's online banking, mobile app, or ATM to initiate the transfer. Enter the exact bank details shown in your Member Area.
4
In the payment reference or remittance field, enter your registered full name and your XM trading account number. Both are required — an incomplete reference is the most common reason deposits take longer.
5
Wait for confirmation. Funds typically reach your XM account within 5 working days. During banking hours, some transfers can reflect within 30 minutes to 1 hour if the sender details match perfectly.

Bank wire fee rules

XM covers all bank transfer fees for deposits of $200 or more. For transfers below $200, XM still does not charge a fee on their end, but your sending bank's outgoing transfer fee applies and is deducted from the amount received. To avoid this, keep bank wire deposits at $200 or above.

If your bank transfer is not showing after 5 days: Contact XM support with your bank transfer receipt showing the transaction date, amount, reference number, and sender details. A name or account number mismatch on the reference is the most common cause of delays.

How to Deposit to XM via Credit Card or Debit Card (VISA and Mastercard)

Credit / Debit Card — VISA and Mastercard
Instant processing, 24 hours a day, 365 days a year
فوری Zero fees
Processing time
Immediate
XM deposit fee
Free
Cards accepted
VISA, Mastercard
Availability
24/7, 365 days

Credit and debit card deposits are the most straightforward method for most traders. VISA and Mastercard — both credit and debit variants — are accepted. Funds are reflected in your trading account immediately after the transaction processes, regardless of the time or day. XM does not charge any fee on card deposits of any amount.

Step-by-step: card deposit to XM

1
Log in to your XM Member Area and go to the Deposit section.
2
Select "Credit/Debit Card" as the deposit method.
3
Enter your card number, expiry date, and CVV in the secure payment form. The page is SSL encrypted throughout.
4
Confirm the deposit amount and submit. XM processes the transaction immediately.
5
Your account balance updates instantly. You can begin trading right away.

Card withdrawal rule — what to know before depositing

When you withdraw funds after depositing by card, XM returns the withdrawal amount back to the same card first — up to the amount originally deposited. This is processed as a cancellation of the original charge, not a new payment. Profits beyond your original deposit can be withdrawn via alternative methods. Keep this in mind if you plan to use a prepaid card, as XM requires the card to be capable of receiving return payments.

XM accepts VISA and Mastercard only. American Express, Diners Club, and other card networks are not supported. Prepaid VISA and Mastercard cards may work for deposits but may not be able to receive withdrawal returns — confirm with your card issuer first.

How to Deposit to XM via Skrill E-Wallet

Skrill
Online wallet — instant deposits and withdrawals, all fees covered by XM
فوری All fees covered by XM Not EEA
Processing time
Immediate
Deposit fee
XM covers all
Withdrawal fee
XM covers all
EEA availability
Not available

Skrill is an online payment service that allows you to send and receive money electronically. XM covers all Skrill transaction fees in both directions — deposits and withdrawals. This makes Skrill one of the most cost-effective options when Skrill is available in your country. Both the deposit and the withdrawal are processed instantly, which is useful if you need to move funds in and out of your trading account quickly.

What you need before using Skrill with XM

You need an active, verified Skrill account. Registration for Skrill is free and takes a few minutes at skrill.com. Your Skrill account must be funded — from a bank account, card, or other Skrill-supported source — before you can use it to deposit to XM.

Step-by-step: Skrill deposit to XM

1
Log in to your XM Member Area and go to the Deposit section.
2
Select "Skrill" as the deposit method.
3
Enter the deposit amount and click proceed. You will be redirected to Skrill's secure login page.
4
Log in to your Skrill account and confirm the payment.
5
Your XM trading account balance is updated immediately.
Skrill not available for EEA residents: Clients whose accounts are registered under the CySEC-regulated entity (European Economic Area residents) cannot use Skrill for XM deposits or withdrawals. If you are in the EEA, bank wire or credit/debit card are your available options.

XM Deposit Method Comparison — Speed, Fees, and Availability

A side-by-side view of all three deposit methods to help you choose based on your priorities.

FeatureBank WireCredit / Debit CardSkrill
Processing timeUp to 5 working daysفوریفوری
XM deposit feeFree on ≥$200Free, all amountsFree, all amounts
Fee below $200Sender's bank feeهیچ کدامهیچ کدام
Withdrawal via same methodYes (up to deposited amount)Yes (to same card)Yes (instant)
Available 24/7Banking hours applyYesYes
EEA clientsAvailableAvailableNot available
Requires separate accountNo (uses your bank)No (uses your card)Yes (Skrill account)
بهترین برایLarge transfers, no card/walletSpeed and simplicityFast and fee-free both ways

Don't have an XM account yet?

You need a verified XM real account to deposit. Registration takes about 5 minutes — you can choose your account type and start the process right now.

Open Real Account → How to Open Real Account →

Frequently Asked Questions — XM Deposits

Credit or debit card (VISA or Mastercard) and Skrill are both instant. Funds reach your XM trading account immediately after the transaction is processed, 24 hours a day, seven days a week. Bank wire transfer takes up to 5 working days and is the slowest option.
The minimum deposit is $5 (or equivalent in your base currency) for Standard, Micro, Ultra Low Standard, and Ultra Low Micro accounts. The Shares Account requires a minimum of $10,000. The $5 minimum applies per transaction across all deposit methods.
XM charges no deposit fees on card or Skrill transactions of any amount. For international bank wire transfers of $200 or more, XM covers all bank fees. For bank wires below $200, XM still does not charge a fee, but the sending bank's outgoing transfer fee is deducted from the transferred amount rather than covered by XM.
No. XM does not accept Bitcoin or any other cryptocurrency as a deposit method. Only three methods are accepted: bank wire transfer, VISA or Mastercard credit or debit card, and Skrill. Note that while XM offers cryptocurrency CFDs on its trading platform, crypto assets cannot be used to fund your account.
No. XM only accepts deposits from the account holder — the individual whose name is registered on the trading account. Funds sent from a family member's account, a joint account, or any company name will be returned. This policy applies to all deposit methods.
Bank wire deposits typically take up to 5 working days. When the transfer is made during banking hours and the sender's name and XM account number are correctly included as the reference, some transfers may appear within 30 minutes to 1 hour. If your deposit is not reflected after 5 working days, contact XM support with your bank receipt and transfer reference number.
Yes, up to the amount originally deposited. XM's anti-money laundering policy requires that withdrawals be returned through the same payment method used for the deposit, up to the deposited amount. Profits earned beyond your deposited amount can then be withdrawn via your preferred available method. This is an industry-standard policy across regulated brokers.

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