What is the difference between XM Standard Account and Micro Account?

The primary difference is lot size. On a Standard Account, 1 lot equals 100,000 currency units. On a Micro Account, 1 lot equals 1,000 units — one-hundredth the size. This means a 1-pip move on a 0.1-lot Standard trade is worth approximately $1.00, while the same trade on a Micro Account is worth $0.01. Both accounts share the same $5 minimum deposit, 1:1,000 maximum leverage, and spread structure.

XM Standard Account — Full Specifications, Spread, Leverage Tiers, and Who Should Use It

Q: What is the XM Standard Account and what are its key specifications?

The XM Standard Account uses a contract size of 100,000 units per lot (1 standard lot). It has a minimum deposit of $5, maximum leverage of 1:1,000, no commission on any trade, variable spreads averaging 2.0 pips on EURUSD, supports ten base currencies (USD, EUR, GBP, JPY, CHF, AUD, HUF, PLN, SGD, ZAR), and works on both MT4 and MT5. It is XM's most widely used account type.

Q: What is the minimum deposit for the XM Standard Account?

The minimum deposit for the XM Standard Account is $5 (or equivalent in your base currency). This applies across all deposit methods — credit card, Skrill, and bank wire transfer. The $5 minimum is per deposit transaction, not a minimum ongoing balance requirement.

Q: Does the XM Standard Account charge commission?

No. The XM Standard Account charges zero commission on all trades. The spread is the only trading cost. This makes cost calculation straightforward — the spread in pips multiplied by the pip value gives the total cost of each trade entry.

Q: Is the XM Standard Account eligible for the deposit bonus?

Yes. The Standard Account is eligible for XM's deposit bonus scheme — 50% on qualifying deposits up to $500 (Stage 1), and 20% on further deposits up to $4,500 (Stage 2), with a total lifetime maximum of $5,000. Bonus eligibility depends on country of residence and is not available to clients of the CySEC-regulated entity (EU residents).

Q: Can I use Expert Advisors on the XM Standard Account?

Yes. Expert Advisors are fully supported on the XM Standard Account via both MT4 (MQL4) and MT5 (MQL5). EAs run locally on the desktop platform. XM also offers a VPS service for traders who need their EA to run continuously without keeping their personal computer on.

About this guide: xemsignup.com is an independent affiliate website. Standard Account specifications are sourced from XM Global's official account documentation and verified against multiple independent review sources current as of 2026. 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).

On this page

1 XM Standard Account full specifications
2 What 100,000-unit lots mean in practice — pip value explained
3 Standard Account spread and trading cost
4 Leverage up to 1:1,000 — tier reduction rules
5 Instruments available on the Standard Account
6 Ten base currencies — the widest selection at XM
7 Deposit bonus eligibility — Standard Account advantage
8 Who should use the Standard Account — and who should choose differently
9 Frequently asked questions

XM Standard Account Full Specifications

Minimum deposit

Contract size

100 000 бірлік

Min trade size

0.01 lots

Max trade size

50 lots per ticket

Max open lots

10,000 lots

Комиссия

Ешқайсысы

Spread type

Variable

EURUSD avg spread

~2.0 pips

Gold avg spread

~3.6 pips

Max leverage

1:1,000

Margin call

50%

Stop-out level

20%

Platforms

MT4 / MT5

Base currencies

Deposit bonus

Eligible*

Neg. balance protection

Yes

EA / robots

Yes

Dormancy fee

$5/month (3mo inactive)

*Bonus eligibility depends on country of residence. Not available for CySEC (EU) entity clients.

What 100,000-Unit Lots Mean in Practice — Understanding Pip Value on the Standard Account

Every trade on the Standard Account is measured in standard lots, where 1 lot = 100,000 units of the base currency. The minimum trade size is 0.01 lots (1,000 units). Understanding what this means in dollar terms per pip is fundamental to position sizing and risk management.

Pip value on the Standard Account — worked examples

Pip value = Lot size × Contract size × Pip size

EURUSD at 0.01 lot (minimum trade):
0.01 × 100,000 × 0.0001 = $0.10 per pip

EURUSD at 0.1 lot:
0.1 × 100,000 × 0.0001 = $1.00 per pip

EURUSD at 1.0 lot (full standard):
1.0 × 100,000 × 0.0001 = $10.00 per pip

A 10-pip stop-loss at 0.1 lot = $10.00 maximum loss

The practical implication: a $200 deposit trading 0.1 lots with a 10-pip stop-loss risks $10 per trade — 5% of the account per trade. Most experienced traders recommend risking no more than 1–2% per trade, which at $200 balance means maximum $2–$4 at risk — equivalent to approximately 0.02–0.04 lot at 0.1 lot pip value.

Standard lots and small accounts: The Standard Account's 100,000-unit lot size means even the minimum trade of 0.01 lots requires $10 per pip to be covered by margin at 1:100 leverage. Traders with very small deposits (under $100) who want to trade with minimal per-pip exposure are often better served by the Micro Account until their capital grows.

Standard Account Spread and How to Calculate Your Real Trading Cost Per Trade

The Standard Account uses variable (floating) spreads with no commission. The spread is your complete trading cost — there is nothing else to factor in except overnight swap charges if you hold positions past the daily rollover (typically 22:00 GMT server time).

Trade cost ($) = Spread (pips) × Pip value

EURUSD at 0.1 lot, 2.0 pip spread (Standard Account):
Pip value = $1.00 (at 0.1 lot)
Cost = 2.0 × $1.00 = $2.00 per trade

Gold (XAUUSD) at 0.1 lot, 3.6 pip spread:
Gold pip value at 0.1 lot = approximately $1.00 per pip
Cost = 3.6 × $1.00 = $3.60 per trade

EURUSD round-trip cost at 0.1 lot = $4.00 (entry + exit)

When to consider Ultra Low instead of Standard for lower spread costs

The Ultra Low Standard Account offers approximately half the spread of the Standard Account — EURUSD averages around 1.0 pip versus 2.0 pips. For traders placing 10 or more trades per day at 0.1 lot, this difference is $10 per day per 10 trades — meaningful over weeks and months. For traders placing fewer than 5 trades per week, the spread saving is small enough that the Standard Account's deposit bonus eligibility and broader base currency range may be more valuable.

Standard Account Leverage Up to 1:1,000 — Automatic Tier Reduction by Equity

The Standard Account supports the full range of 17 XM leverage settings, from 1:1 up to 1:1,000. The maximum is available immediately from account opening with no trading history required. Leverage reduces automatically as account equity grows:

Equity below $20,000 → maximum leverage 1:1,000
Equity $20,001 – $100,000 → maximum reduced to 1:200 automatically
Equity above $100,000 → maximum reduced to 1:100 automatically

Required margin = Lots × Contract size × Open price ÷ Leverage

0.1 lot EURUSD at 1.0800, leverage 1:100:
0.1 × 100,000 × 1.0800 ÷ 100 = $108.00 required margin

0.1 lot EURUSD at 1.0800, leverage 1:1,000:
0.1 × 100,000 × 1.0800 ÷ 1,000 = $10.80 required margin

10× less margin at 1:1,000 vs 1:100

EU clients — different leverage caps: Clients of the CySEC-regulated entity (European Economic Area residents) are capped at 1:30 on major forex pairs and 1:20 on minor pairs and gold under ESMA regulations. The 1:1,000 maximum applies to XM Global Limited (Belize entity) clients outside the EU and Australia.

Instruments Available on the XM Standard Account

Instrument category	Available	Notes
Forex pairs (55+)	✓ Иә	Majors, minors, and exotics
Gold (XAU/USD, XAU/EUR)	✓ Иә	Spot and CFD
Silver (XAG/USD)	✓ Иә
Equity index CFDs	✓ Иә	US500, GER40, UK100, NAS100, and 30+ others
Energy CFDs	✓ Иә	WTI oil, Brent oil, natural gas
Commodity CFDs	✓ Иә	Agricultural commodities
Cryptocurrency CFDs (50+)	✓ Иә	BTC, ETH, LTC, XRP, and others — 24/7 except Sat 10:05–10:35 GMT+2
Stock CFDs (1,200+)	✓ Yes (MT5)	US, UK, German, French and other markets
Thematic indices	✓ Yes (MT5)	Technology, crypto baskets, etc.
Turbo Stocks	✓ Yes (MT5)	Leveraged intraday stock instruments
Individual shares (non-CFD)	✗ No	Shares Account (MT5 only) required

Ten Base Currencies — Standard Account Has the Widest Currency Selection at XM

The Standard Account supports more base currency options than any other XM account type. Your base currency is the denomination of your account balance and determines how margin, profits, and losses are calculated.

Available base currencies: USD, EUR, GBP, JPY, CHF, AUD, HUF, PLN, SGD, ZAR

This matters for traders whose primary banking currency is not USD, EUR, or GBP. Japanese traders can hold JPY accounts, Polish traders PLN accounts, Hungarian traders HUF accounts — avoiding currency conversion costs on every deposit and withdrawal. The Ultra Low accounts support only six currencies (EUR, USD, GBP, AUD, ZAR, SGD), which means traders in JPY, CHF, HUF, or PLN markets have an additional reason to choose Standard.

Deposit Bonus Eligibility — A Standard Account Advantage Over Ultra Low

The Standard Account qualifies for XM's full deposit bonus scheme: 50% of qualifying deposits up to $500 (Stage 1), and 20% on further deposits up to $4,500 (Stage 2), with a total lifetime cap of $5,000 per client. These bonuses are credited as trading funds within 24 hours of a qualifying deposit and increase available capital for opening positions.

The Ultra Low account is not eligible for the deposit bonus in most regions. For traders who want to maximise their available trading capital through the bonus, the Standard Account provides this option while still offering competitive spreads and the same $5 minimum deposit.

Bonus funds cannot be withdrawn directly — only profits generated from trading with the bonus are withdrawable. Withdrawal from a bonus-active account results in proportional bonus removal. Full details: XM 50% Deposit Bonus Guide →

Who Should Use the Standard Account — and Who Should Choose a Different Account Type

✓ Standard Account suits you if:

Your situation matches these criteria

You trade swing or position strategies and place fewer than 10 trades per week — the wider spread vs Ultra Low is a small dollar difference at this frequency
Your base currency is JPY, CHF, HUF, or PLN — only Standard and Micro support these
You want full deposit bonus eligibility — Standard qualifies for the 50% scheme
You run an EA that requires MT4 or MT5 with standard lot sizing
You want to trade Turbo Stocks or Thematic Indices on MT5
You have enough capital to trade 0.01 lot comfortably without the Micro's smaller lot structure

✗ Consider a different account if:

One of these applies to your situation

You scalp or day trade actively (10+ trades/day) — Ultra Low Standard gives meaningfully tighter spreads for this frequency
Your deposit is very small (under $100) and you want to trade with minimal pip risk — Micro Account gives 100x smaller pip values
You are transitioning from a demo account and want the lowest possible financial exposure per trade — Micro is safer for this transition
You want individual share trading without CFD structure — Shares Account (MT5 only) is required

Open your XM Standard Account

$5 minimum deposit. No commission. Leverage up to 1:1,000. Deposit bonus eligible. MT4 and MT5 on all devices.

Стандартты шотты ашу → Try Demo First →

Frequently Asked Questions — XM Standard Account

What is the XM Standard Account and what are its key specifications?

The XM Standard Account uses 100,000-unit contract sizes (1 standard lot), $5 minimum deposit, no commission, variable spreads averaging 2.0 pips on EURUSD, maximum leverage of 1:1,000, ten base currencies, and works on MT4 and MT5. It is XM's most widely used account type and qualifies for the deposit bonus scheme.

What is the minimum deposit for the XM Standard Account?

The minimum deposit is $5 (or equivalent in your chosen base currency). This applies across all deposit methods — credit card, Skrill, and bank wire transfer. There is no minimum ongoing balance requirement — the $5 is per deposit transaction, not a balance floor.

Does the XM Standard Account charge commission?

No. The Standard Account charges zero commission on all trades. The spread is the only trading cost. For EURUSD at 0.1 lot with a 2.0-pip spread, the entry cost is $2.00 and the round-trip cost (entry plus exit) is approximately $4.00.

What is the difference between XM Standard and Micro Account?

The primary difference is contract size. Standard = 100,000 units per lot. Micro = 1,000 units per lot. On a 0.1-lot EURUSD trade, Standard gives $1.00 per pip while Micro gives $0.01 per pip — 100 times smaller. Both share the same $5 minimum deposit, 1:1,000 max leverage, and spread structure. The Micro Account is better suited for beginners who want smaller per-pip exposure.

Is the XM Standard Account eligible for the deposit bonus?

Yes. The Standard Account qualifies for XM's 50% deposit bonus (up to $500 Stage 1) and 20% bonus (up to $4,500 Stage 2), with a total lifetime maximum of $5,000. Eligibility depends on country of residence and is not available to clients of the CySEC-regulated entity (EU residents) or the ASIC-regulated entity (Australia).

Can I use Expert Advisors on the XM Standard Account?

Yes. Expert Advisors are fully supported on both MT4 (MQL4) and MT5 (MQL5) on the Standard Account. EAs run locally on the desktop platform. For continuous EA operation without keeping your personal computer on, XM offers a VPS service located near its London data centre with fibre connectivity.

ХМ Standard Account — Full Specifications, Spread, Leverage Tiers, and Who Should Use It