{"id":2484,"date":"2026-05-15T03:28:52","date_gmt":"2026-05-15T03:28:52","guid":{"rendered":"https:\/\/xemsignup.com\/?p=2484"},"modified":"2026-05-15T03:29:44","modified_gmt":"2026-05-15T03:29:44","slug":"xm-account-types","status":"publish","type":"post","link":"https:\/\/xemsignup.com\/ne\/xm-account-types\/","title":{"rendered":"XM Account Types Explained \u2014 Standard, Micro, Ultra Low Standard, Ultra Low Micro, and Shares Compared Side by Side"},"content":{"rendered":"\t\t
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\n\t\t\t\t\t\r\n\r\n\r\n\r\n\r\nXM Account Types Explained \u2014 Which Account Is Right for Your Trading Style | xemsignup.com<\/title>\r\n<meta name=\"description\" content=\"Full breakdown of all five XM account types: Standard, Micro, Ultra Low Standard, Ultra Low Micro, and Shares. Compare lot sizes, spreads, commissions, and minimum deposits to find your best fit.\">\r\n<meta name=\"robots\" content=\"index, follow\">\r\n<link rel=\"canonical\" href=\"https:\/\/xemsignup.com\/xm-account-types\">\r\n<meta property=\"og:title\" content=\"XM Account Types Explained \u2014 Which Account Is Right for Your Trading Style\">\r\n<meta property=\"og:description\" content=\"Full breakdown of all five XM account types: Standard, Micro, Ultra Low Standard, Ultra Low Micro, and Shares. Compare lot sizes, spreads, commissions, and minimum deposits to find your best fit.\">\r\n<meta property=\"og:url\" content=\"https:\/\/xemsignup.com\/xm-account-types\">\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 are the five XM account types?\",\r\n \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"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 the same platform but differ in lot size. Ultra Low accounts offer tighter spreads. The Shares Account is for individual stock trading only and requires MT5 and a $10,000 minimum deposit.\" }\r\n },\r\n {\r\n \"@type\": \"Question\",\r\n \"name\": \"Which XM account type is best for beginners?\",\r\n \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"For most beginners, the Micro Account or Ultra Low Micro Account is the most practical starting point. Both allow a $5 minimum deposit and trade in smaller lot sizes (1 lot = 1,000 units rather than 100,000), which keeps the dollar value of each pip significantly lower. This lets you gain real trading experience without risking large amounts per trade.\" }\r\n },\r\n {\r\n \"@type\": \"Question\",\r\n \"name\": \"What is the minimum deposit for each XM account type?\",\r\n \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"The minimum deposit is $5 (or equivalent) for the Standard, Micro, Ultra Low Standard, and Ultra Low Micro accounts. The XM Shares Account has a minimum deposit of $10,000 due to the nature of individual stock trading without leverage.\" }\r\n },\r\n {\r\n \"@type\": \"Question\",\r\n \"name\": \"What is the difference between XM Standard and Ultra Low accounts?\",\r\n \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"The main difference is the spread. Ultra Low accounts offer tighter variable spreads than Standard accounts, which is beneficial for traders who open many positions or trade high-volume. Both account groups have no commission, $5 minimum deposit, and maximum leverage of 1:1,000. The base currency options for Ultra Low accounts are slightly more limited (EUR, USD, GBP, AUD, ZAR, SGD versus ten currency options for Standard and Micro).\" }\r\n },\r\n {\r\n \"@type\": \"Question\",\r\n \"name\": \"Can I change my XM account type after opening?\",\r\n \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"You cannot convert an existing account from one type to another. However, once your first real account is verified, you can open additional accounts of a different type directly from your XM Member Area in under one minute, without repeating the KYC process. This lets you run different account types simultaneously.\" }\r\n },\r\n {\r\n \"@type\": \"Question\",\r\n \"name\": \"Is the XM Shares Account available to all clients?\",\r\n \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"No. The XM Shares Account and Ultra Low accounts are not available to all XM Group entities. Availability depends on the regulated entity your account is opened under, which is determined by your country of residence. Check with XM directly to confirm availability for your region.\" }\r\n },\r\n {\r\n \"@type\": \"Question\",\r\n \"name\": \"What happens to leverage when my XM account balance grows?\",\r\n \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"XM automatically reduces available leverage as your account balance increases. The maximum leverage of 1:1,000 applies when your balance is below $20,000. It is reduced to 1:200 when the balance exceeds $20,000, and to 1:100 when it exceeds $100,000. This applies across all account types on XM Global Limited (Belize entity).\" }\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 Account Types Explained \u2014 Standard, Micro, Ultra Low, and Shares\",\r\n \"description\": \"Full comparison of all five XM Global account types with verified data on minimum deposit, leverage, lot size, spread, commission, and which account suits which trader.\",\r\n \"url\": \"https:\/\/xemsignup.com\/xm-account-types\",\r\n \"publisher\": { \"@type\": \"Organization\", \"name\": \"xemsignup.com\", \"url\": \"https:\/\/xemsignup.com\" },\r\n \"about\": { \"@type\": \"Thing\", \"name\": \"XM trading account types\" },\r\n \"mentions\": { \"@type\": \"Organization\", \"name\": \"XM Global Limited\", \"url\": \"https:\/\/www.xm.com\" }\r\n}\r\n<\/script>\r\n\r\n<style>\r\n*, *::before, *::after { box-sizing: border-box; margin: 0; 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p{font-size:0.925rem;color:var(--dark);line-height:1.78;margin-bottom:1rem;}\r\n.article-body p:last-child{margin-bottom:0;}\r\n.article-body ul,.article-body ol{margin:0.75rem 0 1rem 1.25rem;display:flex;flex-direction:column;gap:5px;}\r\n.article-body li{font-size:0.9rem;color:var(--dark);line-height:1.65;}\r\n.article-body strong{font-weight:700;color:var(--black);}\r\n.divider{border:none;border-top:1px solid var(--border);margin:2.25rem 0;}\r\n\r\n\/* EEAT *\/\r\n.eeat-box{background:var(--lighter);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.25rem 1.5rem;margin:2rem 0;display:flex;gap:1rem;align-items:flex-start;}\r\n.eeat-icon{width:42px;height:42px;min-width:42px;background:var(--red-bg);border-radius:50%;display:flex;align-items:center;justify-content:center;}\r\n.eeat-icon svg{width:20px;height:20px;stroke:var(--red);fill:none;stroke-width:1.8;}\r\n.eeat-content p{font-size:0.82rem;color:var(--mid);line-height:1.65;margin-bottom:4px;}\r\n.eeat-content p:last-child{margin-bottom:0;}\r\n.eeat-content strong{color:var(--dark);}\r\n\r\n\/* ACCOUNT CARDS *\/\r\n.acc-cards{display:flex;flex-direction:column;gap:1.5rem;margin:1.5rem 0;}\r\n.acc-card{border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden;}\r\n.acc-card.featured{border-color:var(--red);}\r\n.acc-card-head{padding:1.1rem 1.4rem;display:flex;align-items:center;justify-content:space-between;gap:1rem;border-bottom:1px solid var(--border);flex-wrap:wrap;}\r\n.acc-card.featured .acc-card-head{background:rgba(227,24,55,0.03);border-bottom-color:var(--red-border);}\r\n.acc-name-big{font-size:1.1rem;font-weight:800;color:var(--black);}\r\n.acc-badge{font-size:0.65rem;font-weight:700;text-transform:uppercase;letter-spacing:1px;background:var(--red-bg);color:var(--red);border:1px solid var(--red-border);padding:3px 10px;border-radius:100px;}\r\n.acc-desc-head{font-size:0.82rem;color:var(--mid);margin-top:3px;}\r\n.acc-body{padding:1.1rem 1.4rem;}\r\n.acc-specs{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;margin-bottom:1rem;}\r\n.acc-spec{padding:0.75rem 0.9rem;border-right:1px solid var(--border);border-bottom:1px solid var(--border);}\r\n.acc-spec:nth-child(3n){border-right:none;}\r\n.acc-spec:nth-last-child(-n+3){border-bottom:none;}\r\n.spec-label{font-size:0.67rem;text-transform:uppercase;letter-spacing:0.8px;color:var(--muted);font-weight:600;margin-bottom:3px;}\r\n.spec-val{font-size:0.88rem;font-weight:700;color:var(--black);}\r\n.spec-val.green{color:#16a34a;}\r\n.spec-val.red-t{color:var(--red);}\r\n.spec-val.muted-v{color:var(--muted);}\r\n.acc-for{font-size:0.82rem;color:var(--mid);line-height:1.65;margin-bottom:1rem;}\r\n.acc-for strong{color:var(--dark);}\r\n.acc-cta-row{display:flex;gap:8px;flex-wrap:wrap;}\r\n\r\n\/* MASTER COMPARISON TABLE *\/\r\n.compare-scroll{overflow-x:auto;margin:1.5rem 0;border:1px solid var(--border);border-radius:var(--radius-lg);}\r\n.compare-table{width:100%;border-collapse:collapse;min-width:680px;}\r\n.compare-table th{font-size:0.72rem;font-weight:700;text-transform:uppercase;letter-spacing:0.8px;color:var(--muted);padding:10px 12px;background:var(--lighter);border-bottom:1px solid var(--border);text-align:left;white-space:nowrap;}\r\n.compare-table th:first-child{min-width:160px;}\r\n.compare-table td{font-size:0.82rem;padding:9px 12px;border-bottom:1px solid #f0f0f0;color:var(--dark);vertical-align:middle;}\r\n.compare-table tr:last-child td{border-bottom:none;}\r\n.compare-table tr:nth-child(even) td{background:var(--lighter);}\r\n.compare-table td:first-child{font-weight:600;color:var(--mid);font-size:0.78rem;}\r\n.compare-table td.green{color:#16a34a;font-weight:600;}\r\n.compare-table td.red-t{color:var(--red);font-weight:600;}\r\n.compare-table td.bold{font-weight:700;color:var(--black);}\r\n\r\n\/* INFO\/WARN *\/\r\n.info-box{background:var(--lighter);border:1px solid var(--border);border-left:3px solid var(--red);border-radius:var(--radius);padding:1rem 1.25rem;margin:1.25rem 0;font-size:0.875rem;color:var(--dark);line-height:1.65;}\r\n.info-box strong{color:var(--black);}\r\n.warn-box{background:#fffbeb;border:1px solid #fde68a;border-left:3px solid #f59e0b;border-radius:var(--radius);padding:1rem 1.25rem;margin:1.25rem 0;font-size:0.875rem;color:#78350f;line-height:1.65;}\r\n\r\n\/* CTA INLINE *\/\r\n.cta-inline{background:var(--lighter);border:1px solid var(--border);border-top:3px solid var(--red);border-radius:var(--radius-lg);padding:1.5rem;margin:2rem 0;}\r\n.cta-inline h3{font-size:1rem;font-weight:700;margin-bottom:0.5rem;margin-top:0;}\r\n.cta-inline p{font-size:0.85rem;color:var(--mid);margin-bottom:1.1rem;}\r\n.cta-inline-btns{display:flex;gap:10px;flex-wrap:wrap;}\r\n\r\n\/* FAQ *\/\r\n.faq-list{display:flex;flex-direction:column;gap:1px;background:var(--border);border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden;}\r\n.faq-item{background:var(--white);}\r\n.faq-q{display:flex;justify-content:space-between;align-items:center;padding:1rem 1.25rem;cursor:pointer;gap:1rem;font-size:0.875rem;font-weight:600;color:var(--black);user-select:none;transition:color 0.2s;}\r\n.faq-q:hover{color:var(--red);}\r\n.faq-ico{width:18px;height:18px;min-width:18px;color:var(--red);transition:transform 0.25s;flex-shrink:0;}\r\n.faq-item.open .faq-ico{transform:rotate(45deg);}\r\n.faq-a{display:none;padding:0 1.25rem 1rem;font-size:0.85rem;color:var(--mid);line-height:1.72;border-top:1px solid var(--border);padding-top:0.85rem;}\r\n.faq-item.open .faq-a{display:block;}\r\n\r\n\/* RELATED *\/\r\n.related-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:10px;margin-top:1.25rem;}\r\n.related-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:1rem 1.1rem;transition:border-color 0.2s;display:block;}\r\n.related-card:hover{border-color:var(--red);}\r\n.related-card .rc-label{font-size:0.68rem;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:var(--red);margin-bottom:5px;}\r\n.related-card .rc-title{font-size:0.85rem;font-weight:600;color:var(--black);line-height:1.35;}\r\n.related-card .rc-arrow{font-size:0.75rem;color:var(--muted);margin-top:4px;}\r\n\r\n\/* FOOTER *\/\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:680px){\r\n .acc-specs{grid-template-columns:repeat(2,1fr);}\r\n .acc-spec:nth-child(3n){border-right:1px solid var(--border);}\r\n .acc-spec:nth-child(2n){border-right:none;}\r\n .acc-spec:nth-last-child(-n+3){border-bottom:1px solid var(--border);}\r\n .acc-spec:nth-last-child(-n+2){border-bottom:none;}\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){\r\n .related-grid{grid-template-columns:1fr;}\r\n .acc-specs{grid-template-columns:1fr 1fr;}\r\n}\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 <span>XM Account Types<\/span>\r\n <\/nav>\r\n\r\n <p class=\"page-eyebrow\">Account Types<\/p>\r\n <h1>XM Account Types Explained \u2014 <span>Standard, Micro, Ultra Low Standard, Ultra Low Micro, and Shares<\/span> Compared Side by Side<\/h1>\r\n <p class=\"hero-lead\">XM offers five real account types, and the differences between them go beyond just the name. Lot size, spread width, base currency options, and bonus eligibility all vary meaningfully across the range. This guide breaks down each account type in plain language \u2014 what it actually offers, who it suits, and how the specifications compare against each other.<\/p>\r\n\r\n <div class=\"hero-meta\">\r\n <div class=\"hero-meta-item\">\r\n <svg viewBox=\"0 0 24 24\"><rect x=\"1\" y=\"4\" width=\"22\" height=\"16\" rx=\"2\"\/><line x1=\"1\" y1=\"10\" x2=\"23\" y2=\"10\"\/><\/svg>\r\n Min. deposit from $5\r\n <\/div>\r\n <div class=\"hero-meta-item\">\r\n <svg viewBox=\"0 0 24 24\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg>\r\n Max leverage 1:1,000\r\n <\/div>\r\n <div class=\"hero-meta-item\">\r\n <svg viewBox=\"0 0 24 24\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"12\" y1=\"8\" x2=\"12\" y2=\"12\"\/><line x1=\"12\" y1=\"16\" x2=\"12.01\" y2=\"16\"\/><\/svg>\r\n 5 account types available\r\n <\/div>\r\n <div class=\"hero-meta-item\">\r\n <svg viewBox=\"0 0 24 24\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z\"\/><\/svg>\r\n FSC \u00b7 CySEC \u00b7 ASIC \u00b7 DFSA regulated\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"hero-cta\">\r\n <a href=\"https:\/\/clicks.pipaffiliates.com\/c?c=376664&l=en&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 Real Account\r\n <\/a>\r\n <a href=\"https:\/\/xemsignup.com\/xm-account-types-comparison\" class=\"btn-outline\">Full Side-by-Side Comparison \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\">\r\n <svg viewBox=\"0 0 24 24\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z\"\/><\/svg>\r\n <\/div>\r\n <div class=\"eeat-content\">\r\n <p><strong>About this guide:<\/strong> 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).<\/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=\"#overview\"><span class=\"toc-num\">1<\/span> Overview \u2014 five account types at a glance<\/a><\/li>\r\n <li><a href=\"#standard\"><span class=\"toc-num\">2<\/span> XM Standard Account<\/a><\/li>\r\n <li><a href=\"#micro\"><span class=\"toc-num\">3<\/span> XM Micro Account<\/a><\/li>\r\n <li><a href=\"#ultra-low-standard\"><span class=\"toc-num\">4<\/span> XM Ultra Low Standard Account<\/a><\/li>\r\n <li><a href=\"#ultra-low-micro\"><span class=\"toc-num\">5<\/span> XM Ultra Low Micro Account<\/a><\/li>\r\n <li><a href=\"#shares\"><span class=\"toc-num\">6<\/span> XM Shares Account<\/a><\/li>\r\n <li><a href=\"#comparison-table\"><span class=\"toc-num\">7<\/span> Full comparison table<\/a><\/li>\r\n <li><a href=\"#which-account\"><span class=\"toc-num\">8<\/span> Which account type should you choose?<\/a><\/li>\r\n <li><a href=\"#leverage-rules\"><span class=\"toc-num\">9<\/span> Leverage rules and automatic reduction<\/a><\/li>\r\n <li><a href=\"#faq\"><span class=\"toc-num\">10<\/span> Frequently asked questions<\/a><\/li>\r\n <\/ol>\r\n <\/div>\r\n\r\n <!-- SECTION 1 -->\r\n <h2 id=\"overview\">Five XM Account Types \u2014 Overview<\/h2>\r\n <p>XM organises its real accounts into two groups. The first group \u2014 Standard, Micro, and Shares \u2014 uses standard variable spreads with no commission. The second group \u2014 Ultra Low Standard and Ultra Low Micro \u2014 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.<\/p>\r\n <p>The one account that stands apart from all others is the Shares Account. It is not a leveraged CFD account \u2014 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.<\/p>\r\n\r\n <div class=\"info-box\">\r\n <strong>Note on availability:<\/strong> 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).\r\n <\/div>\r\n\r\n <hr class=\"divider\">\r\n\r\n <!-- SECTION 2: STANDARD -->\r\n <h2 id=\"standard\">XM Standard Account \u2014 Full Lot Trading with No Commission<\/h2>\r\n\r\n <div class=\"acc-cards\">\r\n <div class=\"acc-card featured\">\r\n <div class=\"acc-card-head\">\r\n <div>\r\n <div class=\"acc-name-big\">Standard Account<\/div>\r\n <div class=\"acc-desc-head\">Suitable for most trader levels. No commission. Variable spread.<\/div>\r\n <\/div>\r\n <span class=\"acc-badge\">Most Popular<\/span>\r\n <\/div>\r\n <div class=\"acc-body\">\r\n <div class=\"acc-specs\">\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Min. Deposit<\/div><div class=\"spec-val\">$5<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Max Leverage<\/div><div class=\"spec-val\">1:1,000<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Lot Size<\/div><div class=\"spec-val\">1 Lot = 100,000<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Min Trade<\/div><div class=\"spec-val\">0.01 Lots<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Commission<\/div><div class=\"spec-val green\">None<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Stop-out<\/div><div class=\"spec-val\">20%<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Spread Type<\/div><div class=\"spec-val\">Variable<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Platforms<\/div><div class=\"spec-val\">MT4 \/ MT5<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Base Currencies<\/div><div class=\"spec-val\" style=\"font-size:0.78rem;\">USD EUR GBP JPY CHF AUD HUF PLN SGD ZAR<\/div><\/div>\r\n <\/div>\r\n <p class=\"acc-for\">The Standard Account is XM's broadest offering \u2014 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. <strong>Best for:<\/strong> traders who are comfortable with standard lot sizes, want full instrument access, and prefer a commission-free cost structure built into the spread.<\/p>\r\n <div class=\"acc-cta-row\">\r\n <a href=\"https:\/\/clicks.pipaffiliates.com\/c?c=376664&l=en&p=1\" class=\"btn-red\" target=\"_blank\" rel=\"noopener\">Open Standard Account \u2192<\/a>\r\n <a href=\"https:\/\/xemsignup.com\/xm-standard-account\" class=\"btn-outline btn-sm\">Full Standard Account Guide \u2192<\/a>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <hr class=\"divider\">\r\n\r\n <!-- SECTION 3: MICRO -->\r\n <h2 id=\"micro\">XM Micro Account \u2014 Smaller Lots for Lower Per-Trade Risk<\/h2>\r\n\r\n <div class=\"acc-cards\">\r\n <div class=\"acc-card\">\r\n <div class=\"acc-card-head\">\r\n <div>\r\n <div class=\"acc-name-big\">Micro Account<\/div>\r\n <div class=\"acc-desc-head\">Smaller contract size. Lower dollar risk per pip. Good for learning with real money.<\/div>\r\n <\/div>\r\n <span class=\"acc-badge\" style=\"background:rgba(22,163,74,0.08);color:#15803d;border-color:rgba(22,163,74,0.25);\">Beginner Friendly<\/span>\r\n <\/div>\r\n <div class=\"acc-body\">\r\n <div class=\"acc-specs\">\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Min. Deposit<\/div><div class=\"spec-val\">$5<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Max Leverage<\/div><div class=\"spec-val\">1:1,000<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Lot Size<\/div><div class=\"spec-val\">1 Lot = 1,000<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Min Trade<\/div><div class=\"spec-val\">0.1 Lots<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Commission<\/div><div class=\"spec-val green\">None<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Stop-out<\/div><div class=\"spec-val\">20%<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Spread Type<\/div><div class=\"spec-val\">Variable<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Platforms<\/div><div class=\"spec-val\">MT4 \/ MT5<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Base Currencies<\/div><div class=\"spec-val\" style=\"font-size:0.78rem;\">USD EUR GBP JPY CHF AUD HUF PLN SGD ZAR<\/div><\/div>\r\n <\/div>\r\n <p class=\"acc-for\">The Micro Account uses a contract size of 1,000 units per lot \u2014 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. <strong>Best for:<\/strong> new traders going from demo to real, or experienced traders testing a new strategy with minimal exposure while they validate results.<\/p>\r\n <div class=\"acc-cta-row\">\r\n <a href=\"https:\/\/clicks.pipaffiliates.com\/c?c=376664&l=en&p=1\" class=\"btn-red\" target=\"_blank\" rel=\"noopener\">Open Micro Account \u2192<\/a>\r\n <a href=\"https:\/\/xemsignup.com\/xm-micro-account\" class=\"btn-outline btn-sm\">Full Micro Account Guide \u2192<\/a>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <hr class=\"divider\">\r\n\r\n <!-- SECTION 4: ULTRA LOW STANDARD -->\r\n <h2 id=\"ultra-low-standard\">XM Ultra Low Standard Account \u2014 Tightest Spreads, Full Lot Size<\/h2>\r\n\r\n <div class=\"acc-cards\">\r\n <div class=\"acc-card\">\r\n <div class=\"acc-card-head\">\r\n <div>\r\n <div class=\"acc-name-big\">Ultra Low Standard Account<\/div>\r\n <div class=\"acc-desc-head\">Lower spreads than Standard. Full lot size. Commission-free.<\/div>\r\n <\/div>\r\n <span class=\"acc-badge\" style=\"background:rgba(59,130,246,0.08);color:#1d4ed8;border-color:rgba(59,130,246,0.25);\">Low Spread<\/span>\r\n <\/div>\r\n <div class=\"acc-body\">\r\n <div class=\"acc-specs\">\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Min. Deposit<\/div><div class=\"spec-val\">$5<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Max Leverage<\/div><div class=\"spec-val\">1:1,000<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Lot Size<\/div><div class=\"spec-val\">1 Lot = 100,000<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Min Trade<\/div><div class=\"spec-val\">0.01 Lots<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Commission<\/div><div class=\"spec-val green\">None<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Stop-out<\/div><div class=\"spec-val\">20%<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Spread Type<\/div><div class=\"spec-val\">Variable (ultra low)<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Platforms<\/div><div class=\"spec-val\">MT4 \/ MT5<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Base Currencies<\/div><div class=\"spec-val\" style=\"font-size:0.78rem;\">EUR USD GBP AUD ZAR SGD<\/div><\/div>\r\n <\/div>\r\n <p class=\"acc-for\">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). <strong>Best for:<\/strong> active traders and scalpers who trade in standard lots and want to minimise spread costs without paying per-trade commission.<\/p>\r\n <div class=\"acc-cta-row\">\r\n <a href=\"https:\/\/clicks.pipaffiliates.com\/c?c=376664&l=en&p=1\" class=\"btn-red\" target=\"_blank\" rel=\"noopener\">Open Ultra Low Standard \u2192<\/a>\r\n <a href=\"https:\/\/xemsignup.com\/xm-ultra-low-standard-account\" class=\"btn-outline btn-sm\">Full Guide \u2192<\/a>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <hr class=\"divider\">\r\n\r\n <!-- SECTION 5: ULTRA LOW MICRO -->\r\n <h2 id=\"ultra-low-micro\">XM Ultra Low Micro Account \u2014 Tight Spreads with Small Lot Sizes<\/h2>\r\n\r\n <div class=\"acc-cards\">\r\n <div class=\"acc-card\">\r\n <div class=\"acc-card-head\">\r\n <div>\r\n <div class=\"acc-name-big\">Ultra Low Micro Account<\/div>\r\n <div class=\"acc-desc-head\">Tight spreads combined with small contract sizes. Low entry risk.<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"acc-body\">\r\n <div class=\"acc-specs\">\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Min. Deposit<\/div><div class=\"spec-val\">$5<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Max Leverage<\/div><div class=\"spec-val\">1:1,000<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Lot Size<\/div><div class=\"spec-val\">1 Lot = 1,000<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Min Trade<\/div><div class=\"spec-val\">0.1 Lots<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Commission<\/div><div class=\"spec-val green\">None<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Stop-out<\/div><div class=\"spec-val\">20%<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Spread Type<\/div><div class=\"spec-val\">Variable (ultra low)<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Platforms<\/div><div class=\"spec-val\">MT4 \/ MT5<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Base Currencies<\/div><div class=\"spec-val\" style=\"font-size:0.78rem;\">EUR USD GBP AUD ZAR SGD<\/div><\/div>\r\n <\/div>\r\n <p class=\"acc-for\">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 \u2014 two characteristics that work together well for traders who are risk-conscious but still want competitive pricing. <strong>Best for:<\/strong> 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.<\/p>\r\n <div class=\"acc-cta-row\">\r\n <a href=\"https:\/\/clicks.pipaffiliates.com\/c?c=376664&l=en&p=1\" class=\"btn-red\" target=\"_blank\" rel=\"noopener\">Open Ultra Low Micro \u2192<\/a>\r\n <a href=\"https:\/\/xemsignup.com\/xm-ultra-low-micro-account\" class=\"btn-outline btn-sm\">Full Guide \u2192<\/a>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <hr class=\"divider\">\r\n\r\n <!-- SECTION 6: SHARES -->\r\n <h2 id=\"shares\">XM Shares Account \u2014 Individual Stock Trading without Leverage<\/h2>\r\n\r\n <div class=\"acc-cards\">\r\n <div class=\"acc-card\">\r\n <div class=\"acc-card-head\">\r\n <div>\r\n <div class=\"acc-name-big\">XM Shares Account<\/div>\r\n <div class=\"acc-desc-head\">Real individual stock trading. US, UK, and German markets. MT5 only.<\/div>\r\n <\/div>\r\n <span class=\"acc-badge\" style=\"background:#f0f0f0;color:var(--mid);border-color:var(--border);\">Stocks Only<\/span>\r\n <\/div>\r\n <div class=\"acc-body\">\r\n <div class=\"acc-specs\">\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Min. Deposit<\/div><div class=\"spec-val red-t\">$10,000<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Leverage<\/div><div class=\"spec-val muted-v\">No Leverage<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Lot Size<\/div><div class=\"spec-val\">1 Share<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Min Trade<\/div><div class=\"spec-val\">1 Lot<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Commission<\/div><div class=\"spec-val red-t\">Applicable*<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Stop-out<\/div><div class=\"spec-val\">20%<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Instruments<\/div><div class=\"spec-val\">Shares only<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Platform<\/div><div class=\"spec-val red-t\">MT5 Only<\/div><\/div>\r\n <div class=\"acc-spec\"><div class=\"spec-label\">Base Currency<\/div><div class=\"spec-val\">USD only<\/div><\/div>\r\n <\/div>\r\n <p class=\"acc-for\">The Shares Account is categorically different from the other four account types. It is not for CFD trading \u2014 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. <strong>Best for:<\/strong> traders who specifically want stock exposure without CFD structure, and who can meet the $10,000 minimum deposit requirement.<\/p>\r\n <div class=\"acc-cta-row\">\r\n <a href=\"https:\/\/clicks.pipaffiliates.com\/c?c=376664&l=en&p=1\" class=\"btn-red\" target=\"_blank\" rel=\"noopener\">Open Shares Account \u2192<\/a>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"warn-box\">\r\n <strong>Commission rates for Shares Account:<\/strong> US shares \u2014 $0.04 per share, minimum $1 per transaction. UK shares \u2014 0.10% per transaction, minimum $9. German shares \u2014 0.10% per transaction, minimum $5. These are the only XM accounts where commission applies.\r\n <\/div>\r\n\r\n <hr class=\"divider\">\r\n\r\n <!-- SECTION 7: COMPARISON TABLE -->\r\n <h2 id=\"comparison-table\">Full XM Account Type Comparison Table<\/h2>\r\n <p>All five account types side by side. Use this to confirm which specification fits your trading approach before registering.<\/p>\r\n\r\n <div class=\"compare-scroll\">\r\n <table class=\"compare-table\">\r\n <thead>\r\n <tr>\r\n <th>Specification<\/th>\r\n <th>Standard<\/th>\r\n <th>Micro<\/th>\r\n <th>Ultra Low Std<\/th>\r\n <th>Ultra Low Micro<\/th>\r\n <th>Shares<\/th>\r\n <\/tr>\r\n <\/thead>\r\n <tbody>\r\n <tr><td>Min. Deposit<\/td><td class=\"bold\">$5<\/td><td class=\"bold\">$5<\/td><td class=\"bold\">$5<\/td><td class=\"bold\">$5<\/td><td class=\"red-t\">$10,000<\/td><\/tr>\r\n <tr><td>Max Leverage<\/td><td>1:1,000<\/td><td>1:1,000<\/td><td>1:1,000<\/td><td>1:1,000<\/td><td class=\"muted-v\" style=\"color:var(--muted)\">No leverage<\/td><\/tr>\r\n <tr><td>Contract Size<\/td><td>100,000 units<\/td><td>1,000 units<\/td><td>100,000 units<\/td><td>1,000 units<\/td><td>1 share<\/td><\/tr>\r\n <tr><td>Min Trade Volume<\/td><td>0.01 lots<\/td><td>0.1 lots<\/td><td>0.01 lots<\/td><td>0.1 lots<\/td><td>1 lot<\/td><\/tr>\r\n <tr><td>Max Lot Per Ticket<\/td><td>50 lots (10,000 total)<\/td><td>100 lots (20,000 total)<\/td><td>50 lots (10,000 total)<\/td><td>100 lots (20,000 total)<\/td><td>Per share rules<\/td><\/tr>\r\n <tr><td>Spread Type<\/td><td>Variable<\/td><td>Variable<\/td><td>Variable (ultra low)<\/td><td>Variable (ultra low)<\/td><td>Variable<\/td><\/tr>\r\n <tr><td>Commission<\/td><td class=\"green\">None<\/td><td class=\"green\">None<\/td><td class=\"green\">None<\/td><td class=\"green\">None<\/td><td class=\"red-t\">Applicable<\/td><\/tr>\r\n <tr><td>Instruments<\/td><td>FX, CFDs, Metals, Crypto<\/td><td>FX, CFDs, Metals, Crypto<\/td><td>FX, CFDs, Metals, Crypto<\/td><td>FX, CFDs, Metals, Crypto<\/td><td>Shares only<\/td><\/tr>\r\n <tr><td>CFD Stocks (MT5)<\/td><td class=\"green\">Yes<\/td><td class=\"green\">Yes<\/td><td class=\"green\">Yes<\/td><td class=\"green\">Yes<\/td><td class=\"muted-v\" style=\"color:var(--muted)\">N\/A<\/td><\/tr>\r\n <tr><td>Platform<\/td><td>MT4 \/ MT5<\/td><td>MT4 \/ MT5<\/td><td>MT4 \/ MT5<\/td><td>MT4 \/ MT5<\/td><td class=\"red-t\">MT5 Only<\/td><\/tr>\r\n <tr><td>Base Currencies<\/td><td style=\"font-size:0.77rem\">USD EUR GBP JPY CHF AUD HUF PLN SGD ZAR<\/td><td style=\"font-size:0.77rem\">USD EUR GBP JPY CHF AUD HUF PLN SGD ZAR<\/td><td style=\"font-size:0.77rem\">EUR USD GBP AUD ZAR SGD<\/td><td style=\"font-size:0.77rem\">EUR USD GBP AUD ZAR SGD<\/td><td>USD only<\/td><\/tr>\r\n <tr><td>Stop-out Level<\/td><td>20%<\/td><td>20%<\/td><td>20%<\/td><td>20%<\/td><td>20%<\/td><\/tr>\r\n <tr><td>Negative Bal. Protection<\/td><td class=\"green\">Yes<\/td><td class=\"green\">Yes<\/td><td class=\"green\">Yes<\/td><td class=\"green\">Yes<\/td><td class=\"green\">Yes<\/td><\/tr>\r\n <tr><td>Deposit Bonus<\/td><td class=\"green\">Eligible*<\/td><td class=\"green\">Eligible*<\/td><td class=\"green\">Eligible*<\/td><td class=\"green\">Eligible*<\/td><td class=\"red-t\">N\/A<\/td><\/tr>\r\n <tr><td>Dormancy Fee<\/td><td colspan=\"5\" style=\"text-align:center;color:var(--mid)\">$5\/month after 3 months of inactivity \u2014 applies to all account types<\/td><\/tr>\r\n <\/tbody>\r\n <\/table>\r\n <\/div>\r\n\r\n <p style=\"font-size:0.78rem;color:var(--muted);margin-top:0.75rem;\">* 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).<\/p>\r\n\r\n <div class=\"cta-inline\">\r\n <h3>Ready to open your account?<\/h3>\r\n <p>All five account types are available through the same registration form. Choose your account type during step 2 of the process.<\/p>\r\n <div class=\"cta-inline-btns\">\r\n <a href=\"https:\/\/clicks.pipaffiliates.com\/c?c=376664&l=en&p=1\" class=\"btn-red\" target=\"_blank\" rel=\"noopener\">Open Real Account \u2192<\/a>\r\n <a href=\"https:\/\/xemsignup.com\/xm-open-real-account\" class=\"btn-outline btn-sm\">How to Open Real Account \u2192<\/a>\r\n <\/div>\r\n <\/div>\r\n\r\n <hr class=\"divider\">\r\n\r\n <!-- SECTION 8: WHICH ACCOUNT -->\r\n <h2 id=\"which-account\">Which XM Account Type Should You Choose?<\/h2>\r\n <p>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.<\/p>\r\n\r\n <h3>If you are new to live trading and starting with under $500<\/h3>\r\n <p>The <strong>Micro Account<\/strong> or <strong>Ultra Low Micro Account<\/strong> 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.<\/p>\r\n\r\n <h3>If you already trade standard lots and want to minimise spread costs<\/h3>\r\n <p>Between the <strong>Standard<\/strong> and <strong>Ultra Low Standard<\/strong>, 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.<\/p>\r\n\r\n <h3>If you want to trade individual company shares<\/h3>\r\n <p>Only the <strong>Shares Account<\/strong> allows this. Note the $10,000 minimum deposit and the per-transaction commission structure \u2014 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.<\/p>\r\n\r\n <h3>If you cannot decide between Standard and Micro (or Ultra Low variants)<\/h3>\r\n <p>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 \u2014 no additional KYC required. Many traders run a Standard and a Micro account simultaneously to keep different strategies separate.<\/p>\r\n\r\n <hr class=\"divider\">\r\n\r\n <!-- SECTION 9: LEVERAGE RULES -->\r\n <h2 id=\"leverage-rules\">XM Leverage Rules \u2014 How Maximum Leverage Changes as Your Balance Grows<\/h2>\r\n <p>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.<\/p>\r\n <ul>\r\n <li>Account balance below $20,000 \u2014 maximum leverage 1:1,000<\/li>\r\n <li>Account balance between $20,000 and $100,000 \u2014 maximum leverage automatically reduced to 1:200<\/li>\r\n <li>Account balance above $100,000 \u2014 maximum leverage automatically reduced to 1:100<\/li>\r\n <\/ul>\r\n <p>The margin maintenance ratio does not change during overnight rollover or across weekends \u2014 this is one of the features XM specifically highlights as a trading condition benefit.<\/p>\r\n\r\n <div class=\"warn-box\">\r\n <strong>EU and Australian clients:<\/strong> 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.\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 Account Types<\/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 are the five XM account types?<\/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 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.<\/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>Which XM account type is best for beginners?<\/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 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.<\/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>What is the minimum deposit for each XM account type?<\/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 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.<\/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>What is the difference between Standard and Ultra Low accounts at XM?<\/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 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).<\/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>Can I change my XM account type after opening?<\/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\">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 \u2014 useful for separating different strategies.<\/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 XM Shares Account available in all countries?<\/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. 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.<\/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>What happens to XM leverage when my account balance grows?<\/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 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.<\/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=\"rc-label\">Comparison<\/div>\r\n <div class=\"rc-title\">Full XM Account Types Side-by-Side<\/div>\r\n <div class=\"rc-arrow\">Read guide \u2192<\/div>\r\n <\/a>\r\n <a href=\"https:\/\/xemsignup.com\/xm-open-real-account\" class=\"related-card\">\r\n <div class=\"rc-label\">Opening Guide<\/div>\r\n <div class=\"rc-title\">How to Open an XM Real Account<\/div>\r\n <div class=\"rc-arrow\">Read guide \u2192<\/div>\r\n <\/a>\r\n <a href=\"https:\/\/xemsignup.com\/xm-open-demo-account\" class=\"related-card\">\r\n <div class=\"rc-label\">Demo Account<\/div>\r\n <div class=\"rc-title\">Try XM Free with a Demo Account<\/div>\r\n <div class=\"rc-arrow\">Read guide \u2192<\/div>\r\n <\/a>\r\n <a href=\"https:\/\/xemsignup.com\/xm-deposit\" class=\"related-card\">\r\n <div class=\"rc-label\">Deposit<\/div>\r\n <div class=\"rc-title\">How to Fund Your XM Account<\/div>\r\n <div class=\"rc-arrow\">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. Account specifications sourced from XM Global official documentation and verified at time of publication.<\/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-open-real-account\">Open Real Account<\/a>\r\n <a href=\"https:\/\/xemsignup.com\/xm-open-demo-account\">Open Demo Account<\/a>\r\n <a href=\"https:\/\/xemsignup.com\/xm-deposit\">How to Deposit<\/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 to your invested capital. Trading with high leverage can result in losses exceeding your deposit. 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 <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/footer>\r\n\r\n<script>\r\nfunction toggleFaq(el){\r\n const item=el.parentElement;\r\n const isOpen=item.classList.contains('open');\r\n document.querySelectorAll('.faq-item.open').forEach(i=>{i.classList.remove('open');i.querySelector('.faq-q').setAttribute('aria-expanded','false');});\r\n if(!isOpen){item.classList.add('open');el.setAttribute('aria-expanded','true');}\r\n}\r\ndocument.querySelectorAll('.faq-q').forEach(q=>{\r\n q.addEventListener('keydown',e=>{if(e.key==='Enter'||e.key===' '){e.preventDefault();toggleFaq(q);}});\r\n});\r\ndocument.querySelectorAll('a[href^=\"#\"]').forEach(a=>{\r\n a.addEventListener('click',e=>{e.preventDefault();const t=document.querySelector(a.getAttribute('href'));if(t)t.scrollIntoView({behavior:'smooth',block:'start'});});\r\n});\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>    Home \u203a XM Account Types Account Types XM Account Types Explained \u2014 Standard, Micro, Ultra Low Standard, Ultra Low Micro, and Shares Compared Side by Side XM offers five real account types, and the differences between them go beyond just the name. Lot size, spread width, base currency options, and bonus eligibility all […]<\/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-2484","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":"    Home \u203a XM Account Types Account Types XM Account Types Explained \u2014 Standard, Micro, Ultra Low Standard, Ultra Low Micro, and Shares Compared Side by Side XM offers five real account types, and the differences between them go beyond just the name. Lot size, spread width, base currency options, and bonus eligibility all…","_links":{"self":[{"href":"https:\/\/xemsignup.com\/ne\/wp-json\/wp\/v2\/posts\/2484","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/xemsignup.com\/ne\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/xemsignup.com\/ne\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/xemsignup.com\/ne\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/xemsignup.com\/ne\/wp-json\/wp\/v2\/comments?post=2484"}],"version-history":[{"count":5,"href":"https:\/\/xemsignup.com\/ne\/wp-json\/wp\/v2\/posts\/2484\/revisions"}],"predecessor-version":[{"id":2489,"href":"https:\/\/xemsignup.com\/ne\/wp-json\/wp\/v2\/posts\/2484\/revisions\/2489"}],"wp:attachment":[{"href":"https:\/\/xemsignup.com\/ne\/wp-json\/wp\/v2\/media?parent=2484"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/xemsignup.com\/ne\/wp-json\/wp\/v2\/categories?post=2484"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/xemsignup.com\/ne\/wp-json\/wp\/v2\/tags?post=2484"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}