{"id":2570,"date":"2026-05-15T03:58:50","date_gmt":"2026-05-15T03:58:50","guid":{"rendered":"https:\/\/xemsignup.com\/?p=2570"},"modified":"2026-05-15T04:11:12","modified_gmt":"2026-05-15T04:11:12","slug":"xm-spread","status":"publish","type":"post","link":"https:\/\/xemsignup.com\/id\/xm-spread\/","title":{"rendered":"XM Spread Guide \u2014 Standard vs Ultra Low Account Cost Comparison, How to Calculate Your Real Trading Cost"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2570\" class=\"elementor elementor-2570\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11cacb9 e-flex e-con-boxed e-con e-parent\" data-id=\"11cacb9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52b70f3 elementor-widget elementor-widget-html\" data-id=\"52b70f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!DOCTYPE html>\r\n<html lang=\"en\">\r\n<head>\r\n<meta charset=\"UTF-8\">\r\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\r\n<title>XM Spread Explained \u2014 Standard vs Ultra Low Account Spread Comparison and Trading Cost Guide | xemsignup.com<\/title>\r\n<meta name=\"description\" content=\"Complete guide to XM spreads: how variable spreads work, Standard Account averages 2.0 pips on EURUSD vs Ultra Low at 1.0 pip, how spread cost is calculated per trade, when spreads widen, and which account minimises your trading cost.\">\r\n<meta name=\"robots\" content=\"index, follow\">\r\n<link rel=\"canonical\" href=\"https:\/\/xemsignup.com\/xm-spread\">\r\n<meta property=\"og:title\" content=\"XM Spread Guide \u2014 Standard vs Ultra Low Account Cost Comparison\">\r\n<meta property=\"og:description\" content=\"XM uses variable spreads with no fixed commission on most accounts. EURUSD averages 2.0 pips on Standard and 1.0 pip on Ultra Low. Learn how spread cost compounds across trade volume.\">\r\n<meta property=\"og:url\" content=\"https:\/\/xemsignup.com\/xm-spread\">\r\n<meta property=\"og:type\" content=\"article\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;500;600;700;800&display=swap\" rel=\"stylesheet\">\r\n\r\n<script type=\"application\/ld+json\">\r\n{\r\n  \"@context\": \"https:\/\/schema.org\",\r\n  \"@type\": \"FAQPage\",\r\n  \"mainEntity\": [\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"What is the typical spread on XM accounts for EURUSD?\",\r\n      \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"On the XM Standard Account, the average EURUSD spread is approximately 2.0 pips. On the Ultra Low Standard or Ultra Low Micro Account, the average EURUSD spread is approximately 1.0 pip. Spreads are variable and fluctuate with market liquidity \u2014 they are typically tightest during the London and New York overlap session (13:00\u201317:00 GMT) and widest during low-liquidity periods such as the Sydney open and around the New York close.\" }\r\n    },\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"Does XM charge commission on trades?\",\r\n      \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"XM charges no commission on Standard, Micro, Ultra Low Standard, or Ultra Low Micro account trades. The spread is the only trading cost on these accounts. The XM Shares Account is the exception \u2014 commission applies at rates of $0.04 per share for US stocks (minimum $1), 0.10% for UK shares (minimum $9), and 0.10% for German shares (minimum $5).\" }\r\n    },\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"How do I calculate the spread cost in dollars for an XM trade?\",\r\n      \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Spread cost in dollars = Spread in pips \u00d7 Pip value \u00d7 Number of lots. For EURUSD on a Standard Account at 0.1 lot: pip value is $1 (since 1 pip on 0.01 lot = $0.10, so 0.1 lot = $1 per pip). A 2.0-pip spread costs $2.00 per 0.1-lot trade. On a Micro Account, the pip value is 100 times smaller, so the same 0.1-lot trade costs $0.02 for a 2.0-pip spread.\" }\r\n    },\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"When do XM spreads widen and what causes wider spreads?\",\r\n      \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"XM spreads widen during low-liquidity periods and major market events: the New York market close (around 22:00 GMT), early Sydney session hours, weekends and market open on Sunday evening, major economic data releases (US Non-Farm Payrolls, FOMC decisions, ECB press conferences), and sudden market volatility events. These periods reduce the depth of available liquidity from XM's providers, which results in wider bid-ask spreads.\" }\r\n    },\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"Is the XM Ultra Low account spread worth choosing over Standard?\",\r\n      \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"For active traders placing multiple trades per day, the Ultra Low account's tighter spreads \u2014 approximately half of Standard \u2014 produce meaningfully lower total trading costs over time. For traders who place a small number of trades per week, the difference is minimal in dollar terms. The Ultra Low account does not support the same range of base currencies as Standard (6 vs 10) and is not eligible for deposit bonuses in some regions.\" }\r\n    },\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"Does XM use fixed or variable spreads?\",\r\n      \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"XM uses a variable (floating) spread system across all account types. Spreads change throughout the trading day based on available liquidity from XM's providers. There are no fixed spreads at XM. The variable spread model reflects real market conditions and tends to offer tighter spreads during peak liquidity hours than fixed-spread brokers.\" }\r\n    }\r\n  ]\r\n}\r\n<\/script>\r\n\r\n<script type=\"application\/ld+json\">\r\n{\r\n  \"@context\": \"https:\/\/schema.org\",\r\n  \"@type\": \"Article\",\r\n  \"headline\": \"XM Spread Explained \u2014 Standard vs Ultra Low Account Spread Comparison and Trading Cost Guide\",\r\n  \"description\": \"Complete guide to XM's variable spread system covering how spread is the primary trading cost, Standard vs Ultra Low account comparison, when spreads widen, how to calculate spread cost per trade, and fractional pip pricing.\",\r\n  \"url\": \"https:\/\/xemsignup.com\/xm-spread\",\r\n  \"publisher\": { \"@type\": \"Organization\", \"name\": \"xemsignup.com\", \"url\": \"https:\/\/xemsignup.com\" },\r\n  \"about\": { \"@type\": \"Thing\", \"name\": \"XM spread\" },\r\n  \"mentions\": { \"@type\": \"Organization\", \"name\": \"XM Global 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0.2s;display:block;}\r\n.related-card:hover{border-color:var(--red);}\r\n.rl{font-size:0.68rem;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:var(--red);margin-bottom:5px;}\r\n.rt{font-size:0.85rem;font-weight:600;color:var(--black);line-height:1.35;}\r\n.ra{font-size:0.75rem;color:var(--muted);margin-top:4px;}\r\n\r\nfooter{background:var(--lighter);border-top:1px solid var(--border);padding:2rem 0 1.5rem;}\r\n.footer-inner{display:flex;justify-content:space-between;align-items:flex-start;gap:1.5rem;flex-wrap:wrap;}\r\n.footer-brand{font-size:0.875rem;font-weight:800;color:var(--black);margin-bottom:0.4rem;}\r\n.footer-note{font-size:0.75rem;color:var(--muted);max-width:340px;line-height:1.6;}\r\n.footer-links{display:flex;gap:1.25rem;flex-wrap:wrap;align-items:center;}\r\n.footer-links a{font-size:0.78rem;color:var(--muted);transition:color 0.2s;}\r\n.footer-links a:hover{color:var(--black);}\r\n.risk-strip{background:var(--white);border-top:1px solid var(--border);padding:1rem 0;margin-top:1.25rem;font-size:0.72rem;color:var(--muted);line-height:1.7;}\r\n\r\n@media(max-width:640px){\r\n  .compare-cols{grid-template-columns:1fr;}\r\n  .sv-row{grid-template-columns:110px 1fr auto;}\r\n  .eeat-box{flex-direction:column;gap:0.75rem;}\r\n  .footer-inner{flex-direction:column;gap:1rem;}\r\n  .related-grid{grid-template-columns:1fr 1fr;}\r\n}\r\n@media(max-width:400px){.related-grid{grid-template-columns:1fr;}}\r\n<\/style>\r\n<\/head>\r\n<body>\r\n\r\n<header class=\"page-hero\">\r\n  <div class=\"container\">\r\n    <nav class=\"breadcrumb\" aria-label=\"Breadcrumb\">\r\n      <a href=\"https:\/\/xemsignup.com\/\">Home<\/a>\r\n      <span class=\"breadcrumb-sep\">\u203a<\/span>\r\n      <a href=\"https:\/\/xemsignup.com\/xm-advantages\">XM Advantages<\/a>\r\n      <span class=\"breadcrumb-sep\">\u203a<\/span>\r\n      <span>XM Spread<\/span>\r\n    <\/nav>\r\n    <p class=\"page-eyebrow\">XM Advantages \u2014 Spread<\/p>\r\n    <h1>XM <span>Spread Guide<\/span> \u2014 Standard vs Ultra Low Account Cost Comparison, How to Calculate Your Real Trading Cost<\/h1>\r\n    <p class=\"hero-lead\">Spread is the only trading cost on most XM accounts \u2014 there is no commission. The EURUSD spread averages 2.0 pips on the Standard Account and 1.0 pip on the Ultra Low. These are variable spreads that change with liquidity conditions throughout the day. This guide explains what spread means in dollar terms, when spreads widen, and which account type produces the lowest total cost for different trading frequencies.<\/p>\r\n\r\n    <div class=\"hero-cta\">\r\n      <a href=\"https:\/\/clicks.pipaffiliates.com\/c?c=376664&amp;l=en&amp;p=1\" class=\"btn-red\" target=\"_blank\" rel=\"noopener\">\r\n        <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\r\n        Open Account\r\n      <\/a>\r\n      <a href=\"https:\/\/xemsignup.com\/xm-account-types-comparison\" class=\"btn-outline\">Compare All Account Types \u2192<\/a>\r\n    <\/div>\r\n  <\/div>\r\n<\/header>\r\n\r\n<main class=\"article-body\">\r\n  <div class=\"container\">\r\n\r\n    <div class=\"eeat-box\">\r\n      <div class=\"eeat-icon\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z\"\/><\/svg><\/div>\r\n      <div class=\"eeat-content\">\r\n        <p><strong>About this guide:<\/strong> xemsignup.com is an independent affiliate website. Spread figures on this page are sourced from XM Global's official spread documentation and verified against multiple third-party broker review sources current as of 2026. Spreads are variable and change with market conditions \u2014 the figures cited are typical averages. Always verify live spreads in MT4 or MT5 before placing trades. Accounts are managed by XM Group regulated entities: XM Global Limited (FSC Belize, 000261\/397), Trading Point of Financial Instruments Ltd (CySEC Cyprus, 120\/10), Trading Point of Financial Instruments Pty Ltd (ASIC Australia, AFSL 443670), and Trading Point MENA Limited (DFSA Dubai, F003484).<\/p>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <div class=\"toc-box\">\r\n      <div class=\"toc-title\">On this page<\/div>\r\n      <ol class=\"toc-list\">\r\n        <li><a href=\"#what-is-spread\"><span class=\"toc-num\">1<\/span> What spread means in forex trading and why it is your primary cost at XM<\/a><\/li>\r\n        <li><a href=\"#xm-spread-table\"><span class=\"toc-num\">2<\/span> XM spread comparison \u2014 Standard vs Ultra Low on major instruments<\/a><\/li>\r\n        <li><a href=\"#calculate-cost\"><span class=\"toc-num\">3<\/span> How to calculate spread cost in dollars for any XM trade<\/a><\/li>\r\n        <li><a href=\"#when-spreads-widen\"><span class=\"toc-num\">4<\/span> When XM spreads widen \u2014 trading sessions and market events<\/a><\/li>\r\n        <li><a href=\"#fractional-pip\"><span class=\"toc-num\">5<\/span> Fractional pip pricing \u2014 how XM quotes below 1 pip<\/a><\/li>\r\n        <li><a href=\"#which-account\"><span class=\"toc-num\">6<\/span> Which account minimises spread cost for your trading frequency<\/a><\/li>\r\n        <li><a href=\"#faq\"><span class=\"toc-num\">7<\/span> Frequently asked questions<\/a><\/li>\r\n      <\/ol>\r\n    <\/div>\r\n\r\n    <!-- SECTION 1 -->\r\n    <h2 id=\"what-is-spread\">What Spread Means in Forex Trading \u2014 and Why It Is Your Primary Cost at XM<\/h2>\r\n    <p>Spread is the difference between the buy price (ask) and the sell price (bid) of any instrument. When you open a trade, you buy at the ask. When you close it, you sell at the bid. The spread is the gap between those two prices \u2014 and it represents the cost you pay every time you enter a position, regardless of which direction the market moves.<\/p>\r\n    <p>At XM, the spread is the <strong>only<\/strong> cost on Standard, Micro, Ultra Low Standard, and Ultra Low Micro accounts. There is no per-trade commission added on top. This makes cost calculation straightforward: the wider the spread, the more the market needs to move in your favour before your trade becomes profitable. A 2-pip spread means the market must move 2 pips in your direction just to break even.<\/p>\r\n\r\n    <div class=\"info-box\">\r\n      <strong>Spread vs commission:<\/strong> Some brokers offer very tight spreads (close to 0 pips) but charge a separate per-lot commission \u2014 often $3 to $7 per side per standard lot. XM's commission-free model embeds the cost in the spread. Whether commission or spread is cheaper depends on trade volume and account type. For XM's Standard and Ultra Low accounts, no commission means the spread is the entire cost of every trade.\r\n    <\/div>\r\n\r\n    <hr class=\"divider\">\r\n\r\n    <!-- SECTION 2 -->\r\n    <h2 id=\"xm-spread-table\">XM Spread Comparison \u2014 Standard Account vs Ultra Low Account on Major Instruments<\/h2>\r\n    <p>The Ultra Low account consistently offers spreads approximately half those of the Standard account across major instruments. Both accounts charge no commission, so the spread figures below represent the full trading cost per trade.<\/p>\r\n\r\n    <div class=\"spread-table-wrap\">\r\n      <table class=\"spread-table\">\r\n        <thead>\r\n          <tr><th>Instrument<\/th><th>Standard Account (avg)<\/th><th>Ultra Low Account (avg)<\/th><th>Difference<\/th><\/tr>\r\n        <\/thead>\r\n        <tbody>\r\n          <tr><td>EUR\/USD<\/td><td class=\"td-std\">2.0 pips<\/td><td class=\"td-ul\">1.0 pip<\/td><td>\u22121.0 pip<\/td><\/tr>\r\n          <tr><td>GBP\/USD<\/td><td class=\"td-std\">2.6 pips<\/td><td class=\"td-ul\">1.3 pips<\/td><td>\u22121.3 pips<\/td><\/tr>\r\n          <tr><td>USD\/JPY<\/td><td class=\"td-std\">2.0 pips<\/td><td class=\"td-ul\">1.0 pip<\/td><td>\u22121.0 pip<\/td><\/tr>\r\n          <tr><td>XAU\/USD (Gold)<\/td><td class=\"td-std\">3.6 pips<\/td><td class=\"td-ul\">1.6 pips<\/td><td>\u22122.0 pips<\/td><\/tr>\r\n          <tr><td>BTC\/USD<\/td><td class=\"td-std\">~500 pips*<\/td><td class=\"td-ul\">~450 pips*<\/td><td>\u2212~50 pips<\/td><\/tr>\r\n        <\/tbody>\r\n      <\/table>\r\n    <\/div>\r\n    <p style=\"font-size:0.75rem;color:var(--muted);margin-top:0.5rem;\">*Crypto CFD spreads are expressed in points rather than pips and are significantly wider due to lower liquidity. Figures are indicative averages \u2014 actual spreads fluctuate throughout the trading day. Always check live spreads in MT4 or MT5 before placing trades.<\/p>\r\n\r\n    <div class=\"compare-cols\">\r\n      <div class=\"cmp-col\">\r\n        <div class=\"cmp-head\">Standard Account \u2014 spread structure <span class=\"cmp-badge badge-amber\">Wider<\/span><\/div>\r\n        <div class=\"cmp-row\"><span class=\"cmp-key\">EUR\/USD average<\/span><span class=\"cmp-val\">~2.0 pips<\/span><\/div>\r\n        <div class=\"cmp-row\"><span class=\"cmp-key\">Gold average<\/span><span class=\"cmp-val\">~3.6 pips<\/span><\/div>\r\n        <div class=\"cmp-row\"><span class=\"cmp-key\">Commission<\/span><span class=\"cmp-val\" style=\"color:#16a34a;\">None<\/span><\/div>\r\n        <div class=\"cmp-row\"><span class=\"cmp-key\">Base currencies<\/span><span class=\"cmp-val\">10<\/span><\/div>\r\n        <div class=\"cmp-row\"><span class=\"cmp-key\">Deposit bonus eligible<\/span><span class=\"cmp-val\" style=\"color:#16a34a;\">Yes<\/span><\/div>\r\n        <div class=\"cmp-row\"><span class=\"cmp-key\">Best suited for<\/span><span class=\"cmp-val\">Swing traders, bonus users<\/span><\/div>\r\n      <\/div>\r\n      <div class=\"cmp-col\">\r\n        <div class=\"cmp-head\">Ultra Low Account \u2014 spread structure <span class=\"cmp-badge badge-green\">Tighter<\/span><\/div>\r\n        <div class=\"cmp-row\"><span class=\"cmp-key\">EUR\/USD average<\/span><span class=\"cmp-val\">~1.0 pip<\/span><\/div>\r\n        <div class=\"cmp-row\"><span class=\"cmp-key\">Gold average<\/span><span class=\"cmp-val\">~1.6 pips<\/span><\/div>\r\n        <div class=\"cmp-row\"><span class=\"cmp-key\">Commission<\/span><span class=\"cmp-val\" style=\"color:#16a34a;\">None<\/span><\/div>\r\n        <div class=\"cmp-row\"><span class=\"cmp-key\">Base currencies<\/span><span class=\"cmp-val\">6<\/span><\/div>\r\n        <div class=\"cmp-row\"><span class=\"cmp-key\">Deposit bonus eligible<\/span><span class=\"cmp-val\" style=\"color:#d97706;\">Limited*<\/span><\/div>\r\n        <div class=\"cmp-row\"><span class=\"cmp-key\">Best suited for<\/span><span class=\"cmp-val\">Scalpers, active traders<\/span><\/div>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <hr class=\"divider\">\r\n\r\n    <!-- SECTION 3 -->\r\n    <h2 id=\"calculate-cost\">How to Calculate Spread Cost in Dollars for Any XM Trade<\/h2>\r\n    <p>The dollar cost of a spread depends on three things: the spread in pips, the pip value of the instrument, and the number of lots traded. The formula is straightforward once you know each component.<\/p>\r\n\r\n    <div class=\"calc-box\">\r\n      <div class=\"calc-formula\">Spread cost ($) = Spread (pips) \u00d7 Pip value \u00d7 Lots traded<\/div>\r\n      <div class=\"calc-example\">\r\n        <strong>Example 1 \u2014 Standard Account, 0.1 lot EUR\/USD, 2.0 pip spread:<\/strong><br>\r\n        Pip value on Standard at 0.1 lot = $1.00 per pip<br>\r\n        Cost = 2.0 \u00d7 $1.00 \u00d7 0.1... wait \u2014 pip value at 0.1 lot Standard = $1.00 total<br>\r\n        Spread cost = 2.0 pips \u00d7 $1.00\/pip = <strong>$2.00 per trade<\/strong>\r\n      <\/div>\r\n      <div class=\"calc-result\">Total spread cost = $2.00 (Standard, 0.1 lot, EURUSD)<\/div>\r\n    <\/div>\r\n\r\n    <div class=\"calc-box\" style=\"margin-top:-0.5rem;\">\r\n      <div class=\"calc-formula\">Spread cost ($) = Spread (pips) \u00d7 Pip value \u00d7 Lots traded<\/div>\r\n      <div class=\"calc-example\">\r\n        <strong>Example 2 \u2014 Ultra Low Account, 0.1 lot EUR\/USD, 1.0 pip spread:<\/strong><br>\r\n        Pip value at 0.1 lot Standard = $1.00 per pip<br>\r\n        Cost = 1.0 \u00d7 $1.00 = <strong>$1.00 per trade<\/strong> \u2014 half the Standard cost\r\n      <\/div>\r\n      <div class=\"calc-result\">Total spread cost = $1.00 (Ultra Low, 0.1 lot, EURUSD)<\/div>\r\n    <\/div>\r\n\r\n    <div class=\"calc-box\" style=\"margin-top:-0.5rem;\">\r\n      <div class=\"calc-formula\">Spread cost ($) = Spread (pips) \u00d7 Pip value \u00d7 Lots traded<\/div>\r\n      <div class=\"calc-example\">\r\n        <strong>Example 3 \u2014 Micro Account, 1 lot EUR\/USD, 2.0 pip spread:<\/strong><br>\r\n        Pip value on Micro at 1 lot = $0.10 per pip (contract size 1,000 units)<br>\r\n        Cost = 2.0 \u00d7 $0.10 = <strong>$0.20 per trade<\/strong>\r\n      <\/div>\r\n      <div class=\"calc-result\">Total spread cost = $0.20 (Micro Account, 1 lot = 1,000 units)<\/div>\r\n    <\/div>\r\n\r\n    <h3>How spread cost compounds across trade frequency<\/h3>\r\n    <p>Spread cost is a fixed cost per trade \u2014 it does not change with how long you hold the position. A scalper who opens and closes 20 trades per day on a Standard Account at 0.1 lot EURUSD pays 20 \u00d7 $2.00 = $40 in spread per day. The same trader on an Ultra Low account pays 20 \u00d7 $1.00 = $20 per day. Over 20 trading days per month, that difference is $400 versus $200 \u2014 $200 per month in additional costs just from account type choice.<\/p>\r\n    <p>For a swing trader who holds positions for days and places 5 trades per month, the difference is 5 \u00d7 $2.00 = $10 vs 5 \u00d7 $1.00 = $5 \u2014 a $5 monthly difference that is unlikely to be a deciding factor.<\/p>\r\n\r\n    <hr class=\"divider\">\r\n\r\n    <!-- SECTION 4 -->\r\n    <h2 id=\"when-spreads-widen\">When XM Spreads Widen \u2014 Trading Sessions and Market Events That Affect Spread Width<\/h2>\r\n    <p>XM uses a variable spread system that reflects live liquidity conditions from its providers. When more buyers and sellers are active in the market, spreads are tighter. When liquidity is thin, spreads widen to reflect the difficulty of finding counterparties at the quoted price. Understanding when this happens helps you time trades more cost-effectively.<\/p>\r\n\r\n    <div class=\"session-visual\">\r\n      <div class=\"sv-head\">Typical spread width by trading session \u2014 EUR\/USD<\/div>\r\n      <div class=\"sv-body\">\r\n        <div class=\"sv-row\">\r\n          <span class=\"sv-session\">London + NY overlap<\/span>\r\n          <div class=\"sv-bar-bg\"><div class=\"sv-bar-fill sv-fill-tight\" style=\"width:25%\"><\/div><\/div>\r\n          <span class=\"sv-label l-tight\">Tightest<\/span>\r\n        <\/div>\r\n        <div class=\"sv-row\">\r\n          <span class=\"sv-session\">London session<\/span>\r\n          <div class=\"sv-bar-bg\"><div class=\"sv-bar-fill sv-fill-tight\" style=\"width:30%\"><\/div><\/div>\r\n          <span class=\"sv-label l-tight\">Tight<\/span>\r\n        <\/div>\r\n        <div class=\"sv-row\">\r\n          <span class=\"sv-session\">New York session<\/span>\r\n          <div class=\"sv-bar-bg\"><div class=\"sv-bar-fill sv-fill-normal\" style=\"width:40%\"><\/div><\/div>\r\n          <span class=\"sv-label l-normal\">Normal<\/span>\r\n        <\/div>\r\n        <div class=\"sv-row\">\r\n          <span class=\"sv-session\">Asian session<\/span>\r\n          <div class=\"sv-bar-bg\"><div class=\"sv-bar-fill sv-fill-normal\" style=\"width:55%\"><\/div><\/div>\r\n          <span class=\"sv-label l-normal\">Wider<\/span>\r\n        <\/div>\r\n        <div class=\"sv-row\">\r\n          <span class=\"sv-session\">NY close \/ Sydney open<\/span>\r\n          <div class=\"sv-bar-bg\"><div class=\"sv-bar-fill sv-fill-wide\" style=\"width:75%\"><\/div><\/div>\r\n          <span class=\"sv-label l-wide\">Widest<\/span>\r\n        <\/div>\r\n        <div class=\"sv-row\">\r\n          <span class=\"sv-session\">News events<\/span>\r\n          <div class=\"sv-bar-bg\"><div class=\"sv-bar-fill sv-fill-wide\" style=\"width:90%\"><\/div><\/div>\r\n          <span class=\"sv-label l-wide\">Very wide<\/span>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <h3>Specific events that cause significant spread widening at XM<\/h3>\r\n    <ul>\r\n      <li><strong>US Non-Farm Payrolls (NFP)<\/strong> \u2014 First Friday of every month, typically 13:30 GMT. Spreads on EUR\/USD can spike to 5\u201310+ pips in the seconds around the release.<\/li>\r\n      <li><strong>FOMC interest rate decisions<\/strong> \u2014 Eight times per year. USD pairs and US equity indices experience significant spread widening during and immediately after the announcement.<\/li>\r\n      <li><strong>ECB press conferences<\/strong> \u2014 EUR pairs widen substantially.<\/li>\r\n      <li><strong>Sunday market open (17:00 New York time)<\/strong> \u2014 The market re-opens after the weekend break with reduced initial liquidity. Gap risk is highest during this window.<\/li>\r\n      <li><strong>Central bank surprise announcements<\/strong> \u2014 Unscheduled interventions cause rapid spread widening across affected currency pairs.<\/li>\r\n    <\/ul>\r\n\r\n    <div class=\"warn-box\">\r\n      <strong>XM does not restrict trading during news events.<\/strong> Unlike some fixed-spread brokers who halt trading or widen spreads dramatically around major releases, XM continues to process all orders during news periods. However, the variable spread will be wider \u2014 and slippage from fast market moves is possible. This is normal market behaviour, not a broker restriction.\r\n    <\/div>\r\n\r\n    <hr class=\"divider\">\r\n\r\n    <!-- SECTION 5 -->\r\n    <h2 id=\"fractional-pip\">Fractional Pip Pricing \u2014 How XM Quotes Prices Below 1 Pip<\/h2>\r\n    <p>XM uses fractional pip pricing, displaying quotes with three decimal places for most JPY pairs and five decimal places for other pairs. A standard pip for EURUSD is the fourth decimal place (0.0001), but XM shows the fifth decimal place as well \u2014 meaning a spread of 1.0 pip might actually display as 10 in the fifth decimal, or a spread narrower than 1 pip shows as something like 0.8 (8 in the fifth decimal).<\/p>\r\n    <p>This precision allows XM's pricing to reflect the finest available quotes from its liquidity providers without rounding up to the nearest full pip. The practical benefit is that actual executed costs can be marginally lower than they would be with a broker that rounds all quotes to full pips. For high-frequency or high-volume traders, these fractional differences accumulate across many trades.<\/p>\r\n\r\n    <div class=\"info-box\">\r\n      <strong>How to check live spreads in MT4 or MT5:<\/strong> Log in to MT4 or MT5 \u2192 right-click anywhere in the Market Watch panel \u2192 click \"Spread\". The spread column appears on the right side of each instrument showing the current live spread in points (where 10 points = 1 pip for 5-decimal pairs).\r\n    <\/div>\r\n\r\n    <hr class=\"divider\">\r\n\r\n    <!-- SECTION 6 -->\r\n    <h2 id=\"which-account\">Which XM Account Minimises Spread Cost for Your Trading Frequency<\/h2>\r\n    <p>The decision between Standard and Ultra Low comes down to how often you trade and what matters more \u2014 lower cost or broader features.<\/p>\r\n\r\n    <h3>Choose Ultra Low Standard or Ultra Low Micro if:<\/h3>\r\n    <ul>\r\n      <li>You place more than 10 trades per week \u2014 the spread savings compound meaningfully at this frequency<\/li>\r\n      <li>You scalp or day trade on EURUSD, GBPUSD, or Gold \u2014 the tighter spreads reduce the breakeven threshold on every trade<\/li>\r\n      <li>Your base currency is EUR, USD, GBP, AUD, ZAR, or SGD \u2014 these are the six supported by Ultra Low accounts<\/li>\r\n      <li>You do not need deposit bonus eligibility or the 10-currency base option<\/li>\r\n    <\/ul>\r\n\r\n    <h3>Choose Standard or Micro if:<\/h3>\r\n    <ul>\r\n      <li>You are a new trader or place fewer than 5 trades per week \u2014 the spread difference in dollar terms is small enough to be outweighed by bonus eligibility<\/li>\r\n      <li>Your base currency is JPY, CHF, HUF, or PLN \u2014 these are only available on Standard and Micro accounts<\/li>\r\n      <li>You want full deposit bonus eligibility \u2014 Standard and Micro accounts qualify for the 50% deposit bonus scheme<\/li>\r\n      <li>You plan to hold positions for multiple days \u2014 where swap rates become as important as spread<\/li>\r\n    <\/ul>\r\n\r\n    <div class=\"cta-inline\">\r\n      <h3>Open your XM account and check live spreads<\/h3>\r\n      <p>Spreads are best verified live in the platform. Open a demo account to observe real-time spread behaviour on your instruments of interest before committing capital.<\/p>\r\n      <div class=\"cta-btns\">\r\n        <a href=\"https:\/\/clicks.pipaffiliates.com\/c?c=376664&amp;l=en&amp;p=1\" class=\"btn-red\" target=\"_blank\" rel=\"noopener\">Open Real Account \u2192<\/a>\r\n        <a href=\"https:\/\/xemsignup.com\/xm-open-demo-account\" class=\"btn-outline btn-sm\">Try Demo First \u2192<\/a>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <hr class=\"divider\">\r\n\r\n    <!-- FAQ -->\r\n    <h2 id=\"faq\">Frequently Asked Questions \u2014 XM Spread<\/h2>\r\n    <div class=\"faq-list\">\r\n      <div class=\"faq-item\">\r\n        <div class=\"faq-q\" onclick=\"toggleFaq(this)\" tabindex=\"0\" aria-expanded=\"false\">\r\n          <span>What is the typical spread on XM for EURUSD?<\/span>\r\n          <svg class=\"faq-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><line x1=\"12\" y1=\"5\" x2=\"12\" y2=\"19\"\/><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><\/svg>\r\n        <\/div>\r\n        <div class=\"faq-a\">The average EURUSD spread on the Standard Account is approximately 2.0 pips. On the Ultra Low Standard or Ultra Low Micro Account, it averages approximately 1.0 pip. These are variable spreads that fluctuate throughout the day \u2014 tightest during the London and New York overlap session, widest near the New York close and during major news events.<\/div>\r\n      <\/div>\r\n      <div class=\"faq-item\">\r\n        <div class=\"faq-q\" onclick=\"toggleFaq(this)\" tabindex=\"0\" aria-expanded=\"false\">\r\n          <span>Does XM charge commission on trades?<\/span>\r\n          <svg class=\"faq-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><line x1=\"12\" y1=\"5\" x2=\"12\" y2=\"19\"\/><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><\/svg>\r\n        <\/div>\r\n        <div class=\"faq-a\">No commission on Standard, Micro, Ultra Low Standard, or Ultra Low Micro accounts. The spread is the only trading cost. The XM Shares Account is the exception \u2014 commission applies at $0.04 per share for US stocks (minimum $1), 0.10% for UK shares (minimum $9), and 0.10% for German shares (minimum $5).<\/div>\r\n      <\/div>\r\n      <div class=\"faq-item\">\r\n        <div class=\"faq-q\" onclick=\"toggleFaq(this)\" tabindex=\"0\" aria-expanded=\"false\">\r\n          <span>How do I calculate the spread cost in dollars for an XM trade?<\/span>\r\n          <svg class=\"faq-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><line x1=\"12\" y1=\"5\" x2=\"12\" y2=\"19\"\/><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><\/svg>\r\n        <\/div>\r\n        <div class=\"faq-a\">Formula: Spread cost = Spread in pips \u00d7 Pip value. For a Standard Account at 0.1 lot EURUSD with a 2.0-pip spread, the pip value is $1.00, so cost = 2.0 \u00d7 $1.00 = $2.00 per trade. For a Micro Account (1,000-unit lots), the pip value is 100\u00d7 smaller, so the same spread costs $0.02 on a 0.1-lot trade.<\/div>\r\n      <\/div>\r\n      <div class=\"faq-item\">\r\n        <div class=\"faq-q\" onclick=\"toggleFaq(this)\" tabindex=\"0\" aria-expanded=\"false\">\r\n          <span>When do XM spreads widen and what causes it?<\/span>\r\n          <svg class=\"faq-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><line x1=\"12\" y1=\"5\" x2=\"12\" y2=\"19\"\/><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><\/svg>\r\n        <\/div>\r\n        <div class=\"faq-a\">XM spreads widen during low-liquidity periods and major market events. The widest spreads typically occur around the New York market close (22:00 GMT), during early Sydney session hours, at the Sunday evening market open, and around high-impact economic releases such as US Non-Farm Payrolls, FOMC decisions, and ECB press conferences. This is a function of available market liquidity, not a broker policy.<\/div>\r\n      <\/div>\r\n      <div class=\"faq-item\">\r\n        <div class=\"faq-q\" onclick=\"toggleFaq(this)\" tabindex=\"0\" aria-expanded=\"false\">\r\n          <span>Is the Ultra Low account spread worth choosing over Standard?<\/span>\r\n          <svg class=\"faq-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><line x1=\"12\" y1=\"5\" x2=\"12\" y2=\"19\"\/><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><\/svg>\r\n        <\/div>\r\n        <div class=\"faq-a\">For active traders placing 10 or more trades per week, the Ultra Low account's approximately 50% tighter spread produces meaningfully lower cumulative costs. For swing traders placing 5 or fewer trades per month, the dollar difference is small and may be outweighed by the Standard Account's deposit bonus eligibility and broader base currency range. The choice depends on trading frequency, not just spread width.<\/div>\r\n      <\/div>\r\n      <div class=\"faq-item\">\r\n        <div class=\"faq-q\" onclick=\"toggleFaq(this)\" tabindex=\"0\" aria-expanded=\"false\">\r\n          <span>Does XM use fixed or variable spreads?<\/span>\r\n          <svg class=\"faq-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><line x1=\"12\" y1=\"5\" x2=\"12\" y2=\"19\"\/><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><\/svg>\r\n        <\/div>\r\n        <div class=\"faq-a\">XM uses variable (floating) spreads across all account types. Spreads change throughout the trading day based on available liquidity from XM's providers. There are no fixed spreads. The variable model tends to offer tighter spreads during peak liquidity hours and reflects real market conditions more accurately than artificially fixed spread systems.<\/div>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <hr class=\"divider\">\r\n\r\n    <h2>Related guides<\/h2>\r\n    <div class=\"related-grid\">\r\n      <a href=\"https:\/\/xemsignup.com\/xm-account-types-comparison\" class=\"related-card\">\r\n        <div class=\"rl\">Comparison<\/div>\r\n        <div class=\"rt\">XM Account Types Full Comparison<\/div>\r\n        <div class=\"ra\">Read guide \u2192<\/div>\r\n      <\/a>\r\n      <a href=\"https:\/\/xemsignup.com\/xm-account-types\" class=\"related-card\">\r\n        <div class=\"rl\">Account Types<\/div>\r\n        <div class=\"rt\">XM Account Types Explained<\/div>\r\n        <div class=\"ra\">Read guide \u2192<\/div>\r\n      <\/a>\r\n      <a href=\"https:\/\/xemsignup.com\/xm-execution-rate\" class=\"related-card\">\r\n        <div class=\"rl\">Execution<\/div>\r\n        <div class=\"rt\">XM 99.98% Execution Rate<\/div>\r\n        <div class=\"ra\">Read guide \u2192<\/div>\r\n      <\/a>\r\n      <a href=\"https:\/\/xemsignup.com\/xm-advantages\" class=\"related-card\">\r\n        <div class=\"rl\">Advantages<\/div>\r\n        <div class=\"rt\">All XM Trading Advantages<\/div>\r\n        <div class=\"ra\">Read guide \u2192<\/div>\r\n      <\/a>\r\n    <\/div>\r\n\r\n  <\/div>\r\n<\/main>\r\n\r\n<footer>\r\n  <div class=\"container-wide\">\r\n    <div class=\"footer-inner\">\r\n      <div>\r\n        <div class=\"footer-brand\">xemsignup.com<\/div>\r\n        <p class=\"footer-note\">Independent affiliate website. Not an official XM Group website. Spread figures are indicative averages and fluctuate with market conditions. Always verify live spreads in MT4 or MT5.<\/p>\r\n      <\/div>\r\n      <div class=\"footer-links\">\r\n        <a href=\"https:\/\/xemsignup.com\/\">Home<\/a>\r\n        <a href=\"https:\/\/xemsignup.com\/xm-advantages\">XM Advantages<\/a>\r\n        <a href=\"https:\/\/xemsignup.com\/xm-account-types\">Account Types<\/a>\r\n        <a href=\"https:\/\/xemsignup.com\/xm-faq\">FAQ<\/a>\r\n      <\/div>\r\n    <\/div>\r\n    <div class=\"risk-strip\">\r\n      <div class=\"container-wide\">\r\n        <strong>\u26a0 Risk Warning:<\/strong> Forex and CFD trading involves significant risk. Spreads widen during volatile market conditions. XM Global Limited does not accept clients from the USA, Canada, Israel, and Iran. Regulated entities: XM Global Limited (FSC Belize 000261\/397) \u00b7 Trading Point of Financial Instruments Ltd (CySEC 120\/10) \u00b7 Trading Point of Financial Instruments Pty Ltd (ASIC AFSL 443670) \u00b7 Trading Point MENA Limited (DFSA F003484). <strong>Affiliate Disclosure:<\/strong> This site receives compensation when visitors open accounts via links on this page.\r\n        <br>\u00a9 2026 xemsignup.com \u2014 Independent Affiliate Site\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/footer>\r\n\r\n<script>\r\nfunction toggleFaq(el){const item=el.parentElement;const isOpen=item.classList.contains('open');document.querySelectorAll('.faq-item.open').forEach(i=>{i.classList.remove('open');i.querySelector('.faq-q').setAttribute('aria-expanded','false');});if(!isOpen){item.classList.add('open');el.setAttribute('aria-expanded','true');}}\r\ndocument.querySelectorAll('.faq-q').forEach(q=>{q.addEventListener('keydown',e=>{if(e.key==='Enter'||e.key===' '){e.preventDefault();toggleFaq(q);}});});\r\ndocument.querySelectorAll('a[href^=\"#\"]').forEach(a=>{a.addEventListener('click',e=>{e.preventDefault();const t=document.querySelector(a.getAttribute('href'));if(t)t.scrollIntoView({behavior:'smooth',block:'start'});});});\r\n<\/script>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>&nbsp; &nbsp; Home \u203a XM Advantages \u203a XM Spread XM Advantages \u2014 Spread XM Spread Guide \u2014 Standard vs Ultra Low Account Cost Comparison, How to Calculate Your Real Trading Cost Spread is the only trading cost on most XM accounts \u2014 there is no commission. The EURUSD spread averages 2.0 pips on the Standard [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2570","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"trp-custom-language-flag":false},"uagb_author_info":{"display_name":"nurhadi.bisnis@gmail.com","author_link":"#"},"uagb_comment_info":0,"uagb_excerpt":"&nbsp; &nbsp; Home \u203a XM Advantages \u203a XM Spread XM Advantages \u2014 Spread XM Spread Guide \u2014 Standard vs Ultra Low Account Cost Comparison, How to Calculate Your Real Trading Cost Spread is the only trading cost on most XM accounts \u2014 there is no commission. The EURUSD spread averages 2.0 pips on the Standard&hellip;","_links":{"self":[{"href":"https:\/\/xemsignup.com\/id\/wp-json\/wp\/v2\/posts\/2570","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/xemsignup.com\/id\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/xemsignup.com\/id\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/xemsignup.com\/id\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/xemsignup.com\/id\/wp-json\/wp\/v2\/comments?post=2570"}],"version-history":[{"count":5,"href":"https:\/\/xemsignup.com\/id\/wp-json\/wp\/v2\/posts\/2570\/revisions"}],"predecessor-version":[{"id":2575,"href":"https:\/\/xemsignup.com\/id\/wp-json\/wp\/v2\/posts\/2570\/revisions\/2575"}],"wp:attachment":[{"href":"https:\/\/xemsignup.com\/id\/wp-json\/wp\/v2\/media?parent=2570"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/xemsignup.com\/id\/wp-json\/wp\/v2\/categories?post=2570"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/xemsignup.com\/id\/wp-json\/wp\/v2\/tags?post=2570"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}