About this guide: xemsignup.com is an independent affiliate website. Ultra Low Micro 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. 1 XM Ultra Low Micro Account full specifications
  2. 2 Pip value — how Ultra Low Micro compares to all other XM accounts
  3. 3 Spread cost — Ultra Low Micro vs standard Micro
  4. 4 Free Swap — same 28-pair + Gold + Silver coverage as Ultra Low Standard
  5. 5 Why Ultra Low Micro is ideal for live EA testing
  6. 6 Who should use the Ultra Low Micro Account
  7. 7 Frequently asked questions

XM Ultra Low Micro Account Full Specifications

Minimum deposit
$5
Contract size
1000 бірлік
Min trade size
0.1 lots (100 units)
Max per ticket
100 lots
Комиссия
Ешқайсысы
Spread type
Variable
EURUSD avg spread
~1.0 pip
Gold avg spread
~1.6 pips
Pip value at 1 lot
$0.10
Max leverage
1:1,000
Margin call
50%
Stop-out
20%
Platforms
MT4 / MT5
Base currencies
6
Free Swap
28 pairs + Gold + Silver
Deposit bonus
Not eligible*
Neg. balance protection
Yes
EA / Robots
Yes

*Deposit bonus not available on Ultra Low accounts in most regions.

Pip Value — How Ultra Low Micro Compares to All Other XM Account Types

The defining characteristic of the Ultra Low Micro Account is its pip value — $0.10 per pip at 1 lot, which is the smallest standard pip exposure available at XM among all regular account types. This combination of tight spread and small pip value is unique to the Ultra Low Micro and makes it particularly well-suited to high-frequency strategies where both spread cost and risk per trade matter.

Pip value comparison at 1 lot EURUSD — all XM account types
UL Micro
$0.10
1 lot = 1,000 units
Микро
$0.10
1 lot = 1,000 units
UL Standard
$10.00
1 lot = 100,000 units
Стандартты
$10.00
1 lot = 100,000 units

The pip value at 1 lot is identical between Ultra Low Micro and regular Micro (both $0.10) because both use 1,000-unit contracts. The difference between them is the spread cost — Ultra Low Micro averages ~1.0 pip on EURUSD versus ~2.0 pips on regular Micro. So Ultra Low Micro gives the same small pip exposure as Micro but with half the entry cost per trade.

Lots traded Ultra Low Micro Ultra Low Standard Regular Micro
0.1 lot (100 units)$0.01/pip$1.00/pip$0.01/pip
1 lot (1,000 units)$0.10/pip$10.00/pip$0.10/pip
10 lots (10,000 units)$1.00/pip$100.00/pip$1.00/pip
100 lots (100,000 units)$10.00/pip$1,000.00/pip$10.00/pip

Spread Cost — Ultra Low Micro vs Regular Micro at Identical Trade Sizes

The spread saving from choosing Ultra Low Micro over regular Micro is the same per pip — approximately 1.0 pip on EURUSD — but in dollar terms it is much smaller than the saving on the standard-lot accounts, due to the smaller contract size.

Spread cost = Spread (pips) × Pip value
Ultra Low Micro — EURUSD at 1 lot, 1.0 pip spread:
Pip value = $0.10 (at 1 lot = 1,000 units)
Cost = 1.0 × $0.10 = $0.10 per trade entry

Regular Micro — EURUSD at 1 lot, 2.0 pip spread:
Cost = 2.0 × $0.10 = $0.20 per trade entry

Saving per round-trip at 1 lot:
(2.0 − 1.0) × $0.10 × 2 = $0.20 per round-trip
Monthly saving at 100 trades of 1 lot = $20.00 vs regular Micro

The absolute dollar saving is smaller than on standard-lot accounts, but the relative saving is identical — 50% lower entry cost per trade. For high-frequency EA strategies running 100–500 trades per month, even at small lot sizes, this difference accumulates significantly over time.

Free Swap — Same 28-Pair Coverage as Ultra Low Standard, Now at Micro Lot Sizes

The Ultra Low Micro Account carries the same Free Swap privilege as the Ultra Low Standard Account. Holding positions overnight in any of the 28 covered major currency pairs or in Gold (XAUUSD) and Silver (XAGUSD) incurs no overnight swap charge. This is particularly valuable for micro-lot position traders who want to hold multi-day positions without incurring cumulative swap costs.

The 28 covered pairs include all seven major USD pairs (EURUSD, GBPUSD, AUDUSD, NZDUSD, USDCAD, USDCHF, USDJPY), EUR crosses, GBP crosses, AUD crosses, and XAUUSD and XAGUSD. For instruments not in the covered list — indices, energy CFDs, crypto CFDs — standard swap rates apply.

Free Swap + small lots = low-risk overnight position holding. The combination of no overnight charges on covered pairs and micro lot sizes means a trader can hold a EURUSD position for 5 nights with zero swap cost and maximum dollar risk exposure of less than $1.00 per pip at 10 lots. This is a genuinely useful combination for traders who are still developing their overnight position management strategy.

Why Ultra Low Micro Is the Ideal Account for Live Expert Advisor Testing

Backtesting a strategy on MT4 or MT5 provides useful information, but live market performance always differs from historical simulation. The differences come from execution timing, spread variations, slippage, and the psychological effect of real money on decision-making. The Ultra Low Micro Account addresses the testing gap better than any other XM account type.

Three reasons Ultra Low Micro outperforms regular Micro for EA testing

  • More accurate spread simulation: When backtesting uses spread data from the Ultra Low account, live performance is easier to compare — a strategy validated on Ultra Low Micro can be scaled to Ultra Low Standard with predictable cost changes. Testing on regular Micro but running live on Ultra Low creates a systematic spread discrepancy in your performance comparison.
  • Lower cost per live test trade: At 1 lot, each EURUSD trade costs $0.10 on Ultra Low Micro versus $0.20 on regular Micro. Over 500 test trades, the cost difference is $50 — meaningful when the goal is simply to validate signal logic, not generate profits.
  • Free Swap on test positions: EAs that hold positions overnight accumulate swap charges during testing that affect the net P&L. Ultra Low Micro eliminates this variable on covered instruments, giving a cleaner picture of the strategy's pure signal performance.
Practical workflow for EA validation: Run your EA on Ultra Low Micro for a minimum of one month of live trading (ideally three). Track net P&L, average win/loss ratio, maximum drawdown, and trade frequency. If results are profitable and consistent with backtest expectations, open a separate Ultra Low Standard account and scale the EA to standard lots.

Who Should Use the Ultra Low Micro Account — Decision Guide

✓ Ultra Low Micro suits you if:

Your situation matches these criteria

  • You want the tightest available spreads at XM combined with the smallest possible per-pip dollar risk — the unique combination of this account
  • You scalp or day trade actively with small capital — tight spreads lower your breakeven threshold while small lots limit dollar exposure
  • You are testing an EA on live markets before scaling to standard lots — Ultra Low Micro gives the most accurate live cost simulation
  • You hold overnight positions on covered pairs and want Free Swap without committing standard-lot capital
  • Your base currency is EUR, USD, GBP, AUD, ZAR, or SGD
✗ Consider a different account if:

One of these applies

  • You want the deposit bonus — consider the regular Micro Account instead
  • Your base currency is JPY, CHF, HUF, or PLN — only Standard and Micro support these
  • You trade standard lots already and your capital supports Ultra Low Standard — the larger lot size improves position flexibility
  • You are a complete beginner moving from demo — the regular Micro Account's slightly simpler fee structure (same spread but no Free Swap complexity) may be easier to start with
  • You trade infrequently (fewer than 5 trades per week) — the spread saving at micro lots is negligible at low frequency

Open your XM Ultra Low Micro Account

~1.0 pip EURUSD spread. Free Swap on 28 pairs plus Gold and Silver. 1,000-unit lots. No commission. $5 minimum deposit. The tightest spread at the smallest lot size available at XM.

Open Ultra Low Micro → Try Demo First →

Frequently Asked Questions — XM Ultra Low Micro Account

The Ultra Low Micro Account combines the Ultra Low account's ~1.0 pip EURUSD spread and Free Swap with the Micro account's 1,000-unit lot structure. One lot equals 1,000 currency units — one-hundredth of the Ultra Low Standard. Minimum trade size is 0.1 lots (100 units). It offers the tightest available spread at XM with the smallest per-pip dollar exposure, making it ideal for active traders with smaller capital and EA testers.
At the minimum trade size of 0.1 lot, 1 pip on EURUSD equals $0.001. At 1 lot (1,000 units), 1 pip equals $0.10. At 10 lots, 1 pip equals $1.00. These values are identical to the regular Micro Account — the difference between the two accounts is the spread cost, not the pip value.
Only the contract size differs. Ultra Low Standard uses 100,000 units per lot — Ultra Low Micro uses 1,000 units per lot. Both share the same ~1.0 pip EURUSD spread, zero commission, Free Swap on 28 pairs plus Gold and Silver, $5 minimum deposit, 6 base currencies, 1:1,000 maximum leverage, and no deposit bonus eligibility. Ultra Low Micro gives 100 times less dollar exposure per pip at the same lot quantity.
Yes — it is specifically recommended for live EA testing. Tight spreads give a more accurate cost simulation (EAs tested on tight spreads scale more predictably to standard lots), small lots minimise financial risk during the validation period, and Free Swap eliminates a variable cost on covered overnight positions. This makes live EA performance data on Ultra Low Micro more representative of real scaled performance than testing on a wider-spread account.
No. Like the Ultra Low Standard Account, Ultra Low Micro is not eligible for XM's 50% deposit bonus in most regions. If deposit bonus eligibility is important to you, the regular Micro Account qualifies for the full bonus scheme. Ultra Low Micro holders can still earn XM Coins through the Traders Club loyalty programme where available.
Active scalpers and day traders who want the tightest available spreads at the smallest possible per-pip dollar risk; traders testing automated EAs on live markets before scaling to standard lots; position traders who hold overnight on covered pairs and want Free Swap without standard-lot capital commitment; and traders whose base currency is EUR, USD, GBP, AUD, ZAR, or SGD.

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