{"id":2490,"date":"2026-05-15T03:30:10","date_gmt":"2026-05-15T03:30:10","guid":{"rendered":"https:\/\/xemsignup.com\/?p=2490"},"modified":"2026-05-15T03:31:10","modified_gmt":"2026-05-15T03:31:10","slug":"xm-account-types-comparison","status":"publish","type":"post","link":"https:\/\/xemsignup.com\/uz\/xm-account-types-comparison\/","title":{"rendered":"XM Account Types Comparison \u2014 Standard vs Micro vs Ultra Low vs Shares \u2014 Full Specification Comparison"},"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 Side-by-Side Comparison \u2014 Standard vs Micro vs Ultra Low vs Shares | xemsignup.com<\/title>\r\n<meta name=\"description\" content=\"Full XM account comparison: Standard vs Micro vs Ultra Low vs Shares. Compare minimum deposit, leverage, lot size, pip value, spread costs, base currencies, and trader profiles side by side.\">\r\n<meta name=\"robots\" content=\"index, follow\">\r\n<link rel=\"canonical\" href=\"https:\/\/xemsignup.com\/xm-account-types-comparison\">\r\n<meta property=\"og:title\" content=\"XM Account Types Side-by-Side Comparison \u2014 Standard vs Micro vs Ultra Low vs Shares\">\r\n<meta property=\"og:description\" content=\"Full XM account comparison: Standard vs Micro vs Ultra Low vs Shares. Compare minimum deposit, leverage, lot size, pip value, spread costs, base currencies, and trader profiles side by side.\">\r\n<meta property=\"og:url\" content=\"https:\/\/xemsignup.com\/xm-account-types-comparison\">\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 difference between XM Standard and Micro accounts?\",\r\n \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"The primary difference is contract size. On a Standard Account, 1 lot equals 100,000 currency units. On a Micro Account, 1 lot equals 1,000 units \u2014 one-hundredth the size. Both accounts share the same minimum deposit ($5), maximum leverage (1:1,000), spread type (variable), and commission structure (none). The Micro Account's smaller lot size means each pip is worth significantly less in dollar terms, making it better suited for traders who want lower per-trade risk.\" }\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 spread width. Ultra Low accounts offer tighter variable spreads than Standard accounts, which reduces the cost of each trade for active traders. Both share the same minimum deposit ($5), maximum leverage (1:1,000), and zero commission. The Standard Account supports ten base currencies while Ultra Low supports six (EUR, USD, GBP, AUD, ZAR, SGD).\" }\r\n },\r\n {\r\n \"@type\": \"Question\",\r\n \"name\": \"Which XM account has the lowest minimum deposit?\",\r\n \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Standard, Micro, Ultra Low Standard, and Ultra Low Micro accounts all share the same minimum deposit of $5 (or equivalent in your base currency). The XM Shares Account is the exception, requiring a minimum deposit of $10,000.\" }\r\n },\r\n {\r\n \"@type\": \"Question\",\r\n \"name\": \"Does XM charge commission on any account type?\",\r\n \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Commission applies only on the XM Shares Account. For US shares, the commission is $0.04 per share with a minimum of $1 per transaction. For UK shares it is 0.10% per transaction with a minimum of $9. For German shares it is 0.10% with a minimum of $5. All other account types \u2014 Standard, Micro, Ultra Low Standard, and Ultra Low Micro \u2014 charge no commission. Trading costs on these accounts are built into the spread.\" }\r\n },\r\n {\r\n \"@type\": \"Question\",\r\n \"name\": \"Can I switch between XM account types after opening?\",\r\n \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"You cannot convert an existing account from one type to another. However, you can open additional accounts of a different type from your XM Member Area once your first real account has been KYC-verified, without going through the verification process again. Each additional account can be a different type with a different base currency.\" }\r\n },\r\n {\r\n \"@type\": \"Question\",\r\n \"name\": \"Which XM account type is best for scalping?\",\r\n \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"The Ultra Low Standard Account is generally the most suitable for scalping due to its tighter spreads compared to the Standard Account. Scalping strategies profit from small price movements, so narrower spreads directly reduce the breakeven threshold for each trade. The Ultra Low Standard uses full-size lots (100,000 units) and charges no commission.\" }\r\n },\r\n {\r\n \"@type\": \"Question\",\r\n \"name\": \"What base currencies are available on XM accounts?\",\r\n \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Standard and Micro accounts support ten base currencies: USD, EUR, GBP, JPY, CHF, AUD, HUF, PLN, SGD, and ZAR. Ultra Low Standard and Ultra Low Micro accounts support six: EUR, USD, GBP, AUD, ZAR, and SGD. The Shares Account is USD only.\" }\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 Comparison \u2014 Standard vs Micro vs Ultra Low vs Shares\",\r\n \"description\": \"Full side-by-side comparison of all five XM trading account types with verified specifications including minimum deposit, leverage tiers, lot sizes, commission structure, base currencies, and trader profile guidance.\",\r\n \"url\": \"https:\/\/xemsignup.com\/xm-account-types-comparison\",\r\n \"publisher\": { \"@type\": \"Organization\", \"name\": \"xemsignup.com\", \"url\": \"https:\/\/xemsignup.com\" },\r\n \"about\": { \"@type\": \"Thing\", \"name\": \"XM account types comparison\" },\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;padding:0;}\r\n:root{\r\n --red:#E31837;--red-dark:#B5121E;--red-bg:rgba(227,24,55,0.06);--red-border:rgba(227,24,55,0.2);\r\n --black:#111111;--dark:#222222;--mid:#555555;--muted:#888888;\r\n --lighter:#FAFAFA;--border:#E5E5E5;--white:#FFFFFF;\r\n --radius:8px;--radius-lg:14px;--font:'Inter',-apple-system,sans-serif;\r\n}\r\nhtml{scroll-behavior:smooth;}\r\nbody{font-family:var(--font);background:var(--white);color:var(--black);line-height:1.65;font-size:16px;overflow-x:hidden;}\r\na{text-decoration:none;color:inherit;}\r\n.container{max-width:960px;margin:0 auto;padding:0 20px;}\r\n.container-wide{max-width:1060px;margin:0 auto;padding:0 20px;}\r\n\r\n.btn-red{display:inline-flex;align-items:center;gap:8px;background:var(--red);color:#fff;font-weight:700;font-size:0.9rem;padding:13px 24px;border-radius:var(--radius);border:none;cursor:pointer;transition:background 0.2s,transform 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0.2s;}\r\n.toc-list li a:hover{color:var(--red);}\r\n.toc-num{font-size:0.7rem;font-weight:700;color:var(--red);min-width:18px;}\r\n\r\n.article-body{padding:48px 0;}\r\n.article-body h2{font-size:clamp(1.15rem,2vw,1.5rem);font-weight:800;color:var(--black);margin:2.5rem 0 0.9rem;padding-top:1rem;letter-spacing:-0.3px;line-height:1.25;}\r\n.article-body h2:first-child{margin-top:0;}\r\n.article-body h3{font-size:1rem;font-weight:700;color:var(--black);margin:1.75rem 0 0.6rem;line-height:1.35;}\r\n.article-body h4{font-size:0.88rem;font-weight:700;color:var(--dark);margin:1.1rem 0 0.4rem;}\r\n.article-body p{font-size:0.92rem;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{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:0;}\r\n.eeat-content strong{color:var(--dark);}\r\n\r\n\/* MASTER COMPARISON TABLE *\/\r\n.master-table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:var(--radius-lg);margin:1.5rem 0;}\r\n.master-table{width:100%;border-collapse:collapse;min-width:700px;}\r\n.master-table thead tr:first-child th{background:var(--black);color:#fff;font-size:0.75rem;font-weight:700;padding:10px 12px;text-align:center;}\r\n.master-table thead tr:first-child th:first-child{text-align:left;background:var(--dark);}\r\n.master-table thead tr:first-child th.highlight{background:var(--red);}\r\n.master-table tbody td{font-size:0.82rem;padding:9px 12px;border-bottom:1px solid #f0f0f0;color:var(--dark);vertical-align:middle;}\r\n.master-table tbody td:first-child{font-weight:600;color:var(--mid);font-size:0.77rem;background:var(--lighter);border-right:1px solid var(--border);}\r\n.master-table tbody tr:last-child td{border-bottom:none;}\r\n.master-table tbody tr:nth-child(even) td:not(:first-child){background:rgba(0,0,0,0.01);}\r\n.master-table td{text-align:center;}\r\n.master-table td.green{color:#16a34a;font-weight:600;}\r\n.master-table td.red-t{color:var(--red);font-weight:600;}\r\n.master-table td.muted-v{color:var(--muted);}\r\n.master-table td.bold{font-weight:700;color:var(--black);}\r\n\r\n\/* QUICK FILTER CARDS *\/\r\n.filter-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem;margin:1.5rem 0;}\r\n.filter-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.25rem;transition:border-color 0.2s;}\r\n.filter-card:hover{border-color:var(--red);}\r\n.filter-label{font-size:0.68rem;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:var(--red);margin-bottom:0.5rem;}\r\n.filter-card h3{font-size:0.9rem;font-weight:700;color:var(--black);margin-bottom:0.5rem;margin-top:0;line-height:1.3;}\r\n.filter-rec{display:inline-block;font-size:0.72rem;font-weight:700;background:var(--red-bg);color:var(--red);border:1px solid var(--red-border);padding:2px 9px;border-radius:100px;margin-bottom:0.6rem;}\r\n.filter-card p{font-size:0.8rem;color:var(--mid);line-height:1.6;margin:0;}\r\n\r\n\/* ACCOUNT SUMMARY CARDS *\/\r\n.acc-sum-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.25rem;margin:1.5rem 0;}\r\n.acc-sum{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.25rem;position:relative;}\r\n.acc-sum.featured{border-color:var(--red);}\r\n.acc-sum-badge{font-size:0.65rem;font-weight:700;text-transform:uppercase;letter-spacing:0.8px;background:var(--red-bg);color:var(--red);border:1px solid var(--red-border);padding:2px 9px;border-radius:100px;display:inline-block;margin-bottom:0.5rem;}\r\n.acc-sum h3{font-size:0.95rem;font-weight:800;color:var(--black);margin-bottom:0.35rem;margin-top:0;}\r\n.acc-sum-desc{font-size:0.78rem;color:var(--muted);margin-bottom:1rem;}\r\n.acc-sum-rows{display:flex;flex-direction:column;gap:0;}\r\n.acc-sum-row{display:flex;justify-content:space-between;align-items:center;padding:6px 0;border-bottom:1px solid #f5f5f5;font-size:0.8rem;}\r\n.acc-sum-row:last-of-type{border-bottom:none;}\r\n.asr-key{color:var(--muted);}\r\n.asr-val{font-weight:600;color:var(--black);}\r\n.asr-val.g{color:#16a34a;}\r\n.asr-val.r{color:var(--red);}\r\n.asr-val.m{color:var(--muted);}\r\n.acc-sum-cta{display:block;text-align:center;padding:8px;margin-top:1rem;border-radius:var(--radius);font-size:0.8rem;font-weight:700;background:var(--red-bg);color:var(--red);border:1px solid var(--red-border);transition:all 0.2s;text-decoration:none;}\r\n.acc-sum-cta:hover,.acc-sum.featured .acc-sum-cta{background:var(--red);color:#fff;border-color:var(--red);}\r\n\r\n\/* PIP VALUE TABLE *\/\r\n.pip-table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:var(--radius-lg);margin:1.25rem 0;}\r\n.pip-table{width:100%;border-collapse:collapse;min-width:540px;}\r\n.pip-table th{font-size:0.7rem;font-weight:700;text-transform:uppercase;letter-spacing:0.8px;color:var(--muted);padding:9px 14px;background:var(--lighter);border-bottom:1px solid var(--border);text-align:left;}\r\n.pip-table td{font-size:0.83rem;padding:9px 14px;border-bottom:1px solid #f0f0f0;color:var(--dark);}\r\n.pip-table tr:last-child td{border-bottom:none;}\r\n.pip-table tr:nth-child(even) td{background:var(--lighter);}\r\n.pip-table td:first-child{font-weight:600;color:var(--black);}\r\n\r\n\/* SPREAD SECTION *\/\r\n.spread-compare{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--border);border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden;margin:1.25rem 0;}\r\n.spread-col{background:var(--white);padding:1.25rem;}\r\n.spread-col-title{font-size:0.8rem;font-weight:700;color:var(--black);margin-bottom:0.9rem;padding-bottom:0.6rem;border-bottom:1px solid var(--border);}\r\n.spread-row{display:flex;justify-content:space-between;padding:6px 0;border-bottom:1px solid #f8f8f8;font-size:0.82rem;}\r\n.spread-row:last-child{border-bottom:none;}\r\n.spread-pair{color:var(--muted);}\r\n.spread-val{font-weight:600;color:var(--black);}\r\n.spread-note{font-size:0.72rem;color:var(--muted);margin-top:0.75rem;line-height:1.5;}\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 *\/\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-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 .filter-grid{grid-template-columns:1fr;}\r\n .acc-sum-grid{grid-template-columns:1fr;}\r\n .spread-compare{grid-template-columns:1fr;}\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-account-types\">Account Types<\/a>\r\n <span class=\"breadcrumb-sep\">\u203a<\/span>\r\n <span>Account Types Comparison<\/span>\r\n <\/nav>\r\n\r\n <p class=\"page-eyebrow\">Account Comparison<\/p>\r\n <h1>XM Account Types Comparison \u2014 <span>Standard vs Micro vs Ultra Low vs Shares<\/span> \u2014 Full Specification Comparison<\/h1>\r\n <p class=\"hero-lead\">All five XM accounts share the same NDD execution system, negative balance protection, and platform access \u2014 but differ in ways that directly affect your per-trade cost and risk. This page places every relevant specification side by side so you can compare the full range in one place without switching between multiple pages.<\/p>\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-open-demo-account\" class=\"btn-outline\">Try Free Demo First \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 page:<\/strong> xemsignup.com is an independent affiliate website. Account specifications are sourced directly from XM Global official documentation. All 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=\"#master-table\"><span class=\"toc-num\">1<\/span> Full comparison table \u2014 all five accounts<\/a><\/li>\r\n <li><a href=\"#find-your-account\"><span class=\"toc-num\">2<\/span> Find your account by trading profile<\/a><\/li>\r\n <li><a href=\"#lot-size-impact\"><span class=\"toc-num\">3<\/span> How lot size affects your real dollar risk per pip<\/a><\/li>\r\n <li><a href=\"#spread-comparison\"><span class=\"toc-num\">4<\/span> Standard vs Ultra Low \u2014 spread difference explained<\/a><\/li>\r\n <li><a href=\"#shares-account\"><span class=\"toc-num\">5<\/span> Shares Account \u2014 when it makes sense and when it does not<\/a><\/li>\r\n <li><a href=\"#base-currencies\"><span class=\"toc-num\">6<\/span> Base currency options per account type<\/a><\/li>\r\n <li><a href=\"#all-five\"><span class=\"toc-num\">7<\/span> Summary cards \u2014 all five accounts at a glance<\/a><\/li>\r\n <li><a href=\"#faq\"><span class=\"toc-num\">8<\/span> Frequently asked questions<\/a><\/li>\r\n <\/ol>\r\n <\/div>\r\n\r\n <!-- SECTION 1: MASTER TABLE -->\r\n <h2 id=\"master-table\">Full XM Account Types Comparison Table \u2014 Every Specification Side by Side<\/h2>\r\n <p>Every account shares the same NDD execution system, negative balance protection, and access to MT4\/MT5 platforms. The differences below are what actually distinguish them from each other.<\/p>\r\n\r\n <div class=\"master-table-wrap\">\r\n <table class=\"master-table\">\r\n <thead>\r\n <tr>\r\n <th style=\"text-align:left;min-width:160px;\">Specification<\/th>\r\n <th>Standard<\/th>\r\n <th>Micro<\/th>\r\n <th class=\"highlight\">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>Minimum 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\">No leverage<\/td><\/tr>\r\n <tr><td>Contract size (1 lot)<\/td><td>100,000 units<\/td><td class=\"green\">1,000 units<\/td><td>100,000 units<\/td><td class=\"green\">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 lots per ticket<\/td><td>50 lots<\/td><td>100 lots<\/td><td>50 lots<\/td><td>100 lots<\/td><td>Per share rules<\/td><\/tr>\r\n <tr><td>Max total open lots<\/td><td>10,000 lots<\/td><td>20,000 lots<\/td><td>10,000 lots<\/td><td>20,000 lots<\/td><td>\u2014<\/td><\/tr>\r\n <tr><td>Spread type<\/td><td>Variable<\/td><td>Variable<\/td><td class=\"green\">Variable (ultra low)<\/td><td class=\"green\">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>Forex pairs tradable<\/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\">No<\/td><\/tr>\r\n <tr><td>CFD indices tradable<\/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\">No<\/td><\/tr>\r\n <tr><td>Gold \/ metals CFDs<\/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\">No<\/td><\/tr>\r\n <tr><td>Crypto CFDs<\/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\">No<\/td><\/tr>\r\n <tr><td>Individual shares<\/td><td class=\"muted-v\">No<\/td><td class=\"muted-v\">No<\/td><td class=\"muted-v\">No<\/td><td class=\"muted-v\">No<\/td><td class=\"green\">Yes (US\/UK\/GER)<\/td><\/tr>\r\n <tr><td>MT4 platform<\/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\">No<\/td><\/tr>\r\n <tr><td>MT5 platform<\/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 (required)<\/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 balance 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 eligible<\/td><td class=\"green\">Yes*<\/td><td class=\"green\">Yes*<\/td><td class=\"green\">Yes*<\/td><td class=\"green\">Yes*<\/td><td class=\"red-t\">No<\/td><\/tr>\r\n <tr><td>Loyalty Program (XM Points)<\/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\">Varies<\/td><\/tr>\r\n <tr><td>Number of base currencies<\/td><td class=\"bold\">10<\/td><td class=\"bold\">10<\/td><td>6<\/td><td>6<\/td><td class=\"muted-v\">USD only<\/td><\/tr>\r\n <tr><td>Dormancy fee (3+ months inactive)<\/td><td colspan=\"5\" style=\"text-align:center;color:var(--mid);font-size:0.78rem;\">$5 per month \u2014 applies to all account types equally<\/td><\/tr>\r\n <\/tbody>\r\n <\/table>\r\n <\/div>\r\n <p style=\"font-size:0.75rem;color:var(--muted);margin-top:0.6rem;\">* Bonus eligibility depends on country of residence and XM entity. Not available for CySEC (EU) entity clients.<\/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 accessible through the same registration form. You choose your type during step 2 of the process \u2014 after email confirmation.<\/p>\r\n <div class=\"cta-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\">Account Opening Guide \u2192<\/a>\r\n <\/div>\r\n <\/div>\r\n\r\n <hr class=\"divider\">\r\n\r\n <!-- SECTION 2: FIND YOUR ACCOUNT -->\r\n <h2 id=\"find-your-account\">Find Your XM Account by Trading Profile<\/h2>\r\n <p>Rather than working through specs row by row, the cleaner approach is to start with your situation. Three variables drive the decision for most traders: how much you plan to deposit, whether you want low spreads or small lot sizes, and whether you need stock trading.<\/p>\r\n\r\n <div class=\"filter-grid\">\r\n <div class=\"filter-card\">\r\n <div class=\"filter-label\">New to live trading<\/div>\r\n <h3>First real account, small starting deposit, want to manage risk carefully<\/h3>\r\n <div class=\"filter-rec\">Micro or Ultra Low Micro<\/div>\r\n <p>The 1,000-unit lot size keeps dollar risk per pip small enough to learn without large losses per trade. The Ultra Low Micro adds tighter spreads on top if cost efficiency matters at low volume.<\/p>\r\n <\/div>\r\n <div class=\"filter-card\">\r\n <div class=\"filter-label\">Experienced, active trader<\/div>\r\n <h3>Trading standard lots, want lowest possible spread, no commission preference<\/h3>\r\n <div class=\"filter-rec\">Ultra Low Standard<\/div>\r\n <p>Tighter spreads reduce entry cost on every trade. For traders placing multiple positions per session, the spread difference between Standard and Ultra Low compounds into meaningful savings over time.<\/p>\r\n <\/div>\r\n <div class=\"filter-card\">\r\n <div class=\"filter-label\">Flexible, multi-strategy<\/div>\r\n <h3>Standard lot trading, widest base currency choice, full bonus eligibility<\/h3>\r\n <div class=\"filter-rec\">Standard Account<\/div>\r\n <p>Ten base currencies \u2014 the widest selection across all accounts. Works on both MT4 and MT5, suits EA trading and manual strategies equally, and carries full deposit bonus eligibility.<\/p>\r\n <\/div>\r\n <div class=\"filter-card\">\r\n <div class=\"filter-label\">Stock investor<\/div>\r\n <h3>Want exposure to US, UK, or German company shares without CFD structure<\/h3>\r\n <div class=\"filter-rec\">Shares Account<\/div>\r\n <p>The only XM account for individual stock trading. Note the $10,000 minimum deposit and per-trade commission structure \u2014 it suits traders who specifically want equity exposure, not leveraged CFDs.<\/p>\r\n <\/div>\r\n <div class=\"filter-card\">\r\n <div class=\"filter-label\">Testing a new strategy<\/div>\r\n <h3>Want to validate a strategy on live markets before committing larger capital<\/h3>\r\n <div class=\"filter-rec\">Micro or Ultra Low Micro<\/div>\r\n <p>Small lot sizes let you test a strategy's live performance without risking significant capital per trade. Once validated, you can open a Standard or Ultra Low Standard account separately without closing the Micro.<\/p>\r\n <\/div>\r\n <div class=\"filter-card\">\r\n <div class=\"filter-label\">Multi-account user<\/div>\r\n <h3>Already have one account, want to run a different strategy separately<\/h3>\r\n <div class=\"filter-rec\">Open an additional account<\/div>\r\n <p>Once KYC-verified, you can open additional accounts of any type from your Member Area in under one minute \u2014 no repeat verification. Each account can have a different type and base currency.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <hr class=\"divider\">\r\n\r\n <!-- SECTION 3: LOT SIZE IMPACT -->\r\n <h2 id=\"lot-size-impact\">How Lot Size Affects Your Real Dollar Risk Per Pip \u2014 Standard vs Micro<\/h2>\r\n <p>The lot size difference between Standard and Micro accounts is not cosmetic. It changes the dollar value of every pip move by a factor of 100. For a trader starting with a $200 deposit, this difference determines whether a 10-pip move costs them $2 or $200 \u2014 the kind of gap that separates a manageable learning loss from a blown account.<\/p>\r\n\r\n <h3>Pip value comparison \u2014 EURUSD at 0.1 lot trade size<\/h3>\r\n <div class=\"pip-table-wrap\">\r\n <table class=\"pip-table\">\r\n <thead>\r\n <tr><th>Account type<\/th><th>Lot size definition<\/th><th>0.1 lot in units<\/th><th>1 pip value (EURUSD, 0.1 lot)<\/th><th>10-pip loss on 0.1 lot<\/th><\/tr>\r\n <\/thead>\r\n <tbody>\r\n <tr><td>Standard<\/td><td>1 lot = 100,000<\/td><td>10,000 units<\/td><td>~$1.00<\/td><td>~$10.00<\/td><\/tr>\r\n <tr><td>Micro<\/td><td>1 lot = 1,000<\/td><td>100 units<\/td><td>~$0.01<\/td><td>~$0.10<\/td><\/tr>\r\n <tr><td>Ultra Low Standard<\/td><td>1 lot = 100,000<\/td><td>10,000 units<\/td><td>~$1.00<\/td><td>~$10.00<\/td><\/tr>\r\n <tr><td>Ultra Low Micro<\/td><td>1 lot = 1,000<\/td><td>100 units<\/td><td>~$0.01<\/td><td>~$0.10<\/td><\/tr>\r\n <\/tbody>\r\n <\/table>\r\n <\/div>\r\n\r\n <p>The practical consequence: a Standard Account trader running 0.1 lots risks roughly $1 per pip. A Micro Account trader at the same 0.1 lot volume risks $0.01 per pip. If you are testing a strategy that might hit a 30-pip stop-loss, the Standard account loses $30 on that trade while the Micro account loses $0.30. At $200 balance, that distinction is the difference between a manageable drawdown and a serious account impact.<\/p>\r\n <p>This is why experienced traders often recommend starting on Micro when moving from demo to live. The emotional experience of losing real money \u2014 even small amounts \u2014 is different from demo trading, and the Micro Account keeps the financial cost of that adjustment period low.<\/p>\r\n\r\n <div class=\"info-box\">\r\n <strong>Note on leverage and pip value:<\/strong> Leverage does not directly change pip value \u2014 it changes the margin required to open a position. The lot size and the exchange rate determine pip value. A 0.1-lot trade on a Standard Account costs $1 per pip regardless of whether you are using 1:100 or 1:1,000 leverage. Leverage affects only how much of your balance is reserved as margin.\r\n <\/div>\r\n\r\n <hr class=\"divider\">\r\n\r\n <!-- SECTION 4: SPREAD COMPARISON -->\r\n <h2 id=\"spread-comparison\">Standard vs Ultra Low \u2014 Understanding the Spread Difference and When It Matters<\/h2>\r\n <p>The spread is the gap between the buy price and the sell price of an instrument. Every trade you open starts at a loss equal to the spread \u2014 you need the market to move at least that far in your direction before you are in profit. A narrower spread means a smaller hurdle to clear on every trade.<\/p>\r\n\r\n <h3>How XM's Ultra Low spreads compare to Standard spreads<\/h3>\r\n <p>XM does not publish a fixed spread list because spreads are variable and change with market conditions. However, the Ultra Low accounts consistently offer tighter spreads than Standard accounts across most major pairs. The difference is most pronounced on the major forex pairs \u2014 EURUSD, USDJPY, GBPUSD \u2014 where liquidity is highest and spreads are already at their narrowest.<\/p>\r\n\r\n <div class=\"spread-compare\">\r\n <div class=\"spread-col\">\r\n <div class=\"spread-col-title\">Standard \/ Micro Account \u2014 Variable Spread<\/div>\r\n <div class=\"spread-row\"><span class=\"spread-pair\">EUR\/USD<\/span><span class=\"spread-val\">Wider variable spread<\/span><\/div>\r\n <div class=\"spread-row\"><span class=\"spread-pair\">USD\/JPY<\/span><span class=\"spread-val\">Wider variable spread<\/span><\/div>\r\n <div class=\"spread-row\"><span class=\"spread-pair\">GBP\/USD<\/span><span class=\"spread-val\">Wider variable spread<\/span><\/div>\r\n <div class=\"spread-row\"><span class=\"spread-pair\">XAU\/USD (Gold)<\/span><span class=\"spread-val\">Wider variable spread<\/span><\/div>\r\n <div class=\"spread-row\"><span class=\"spread-pair\">Commission<\/span><span class=\"spread-val\" style=\"color:#16a34a;\">None<\/span><\/div>\r\n <p class=\"spread-note\">Spreads widen during low-liquidity periods, news events, and market open\/close. No commission charged on any trade.<\/p>\r\n <\/div>\r\n <div class=\"spread-col\">\r\n <div class=\"spread-col-title\">Ultra Low Standard \/ Micro \u2014 Tighter Variable Spread<\/div>\r\n <div class=\"spread-row\"><span class=\"spread-pair\">EUR\/USD<\/span><span class=\"spread-val\" style=\"color:#16a34a;\">Tighter variable spread<\/span><\/div>\r\n <div class=\"spread-row\"><span class=\"spread-pair\">USD\/JPY<\/span><span class=\"spread-val\" style=\"color:#16a34a;\">Tighter variable spread<\/span><\/div>\r\n <div class=\"spread-row\"><span class=\"spread-pair\">GBP\/USD<\/span><span class=\"spread-val\" style=\"color:#16a34a;\">Tighter variable spread<\/span><\/div>\r\n <div class=\"spread-row\"><span class=\"spread-pair\">XAU\/USD (Gold)<\/span><span class=\"spread-val\" style=\"color:#16a34a;\">Tighter variable spread<\/span><\/div>\r\n <div class=\"spread-row\"><span class=\"spread-pair\">Commission<\/span><span class=\"spread-val\" style=\"color:#16a34a;\">None<\/span><\/div>\r\n <p class=\"spread-note\">Consistently tighter than Standard across most instruments. No commission \u2014 cost difference is fully reflected in the spread alone.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <h3>When the spread difference actually matters<\/h3>\r\n <p>For a trader who places five or fewer trades per week with wide stop-losses, the spread difference between Standard and Ultra Low is unlikely to change their bottom line meaningfully. Over a month of low-frequency trading, the cumulative spread cost difference might be a few dollars.<\/p>\r\n <p>For a trader who places twenty or more trades per day with tight stops \u2014 scalping, day trading, or high-frequency manual trading \u2014 the spread difference compounds into a real number. At high volume, even a 0.1-pip wider spread per trade adds up to a meaningful cost over time. This is the trader the Ultra Low account was designed for.<\/p>\r\n\r\n <hr class=\"divider\">\r\n\r\n <!-- SECTION 5: SHARES ACCOUNT -->\r\n <h2 id=\"shares-account\">XM Shares Account \u2014 When It Makes Sense and When Other Options Are Better<\/h2>\r\n <p>The Shares Account stands entirely apart from the other four. It is not a CFD account and it does not offer leverage. You are buying actual shares in individual companies \u2014 Apple, HSBC, Volkswagen \u2014 at full market price, with a commission charged per transaction.<\/p>\r\n\r\n <h3>What the Shares Account offers<\/h3>\r\n <ul>\r\n <li>Access to individual company stocks from US markets, UK markets, and German markets<\/li>\r\n <li>Approximately 100 stock issues available \u2014 not the full range of listed companies<\/li>\r\n <li>MT5 only \u2014 the Shares Account is not available on MT4<\/li>\r\n <li>Commission: US shares $0.04 per share (minimum $1 per transaction); UK shares 0.10% (minimum $9); German shares 0.10% (minimum $5)<\/li>\r\n <li>USD base currency only<\/li>\r\n <li>$10,000 minimum deposit<\/li>\r\n <\/ul>\r\n\r\n <h3>When the Shares Account does not make sense<\/h3>\r\n <p>If your interest is in trading stock price movements rather than long-term equity ownership, XM's Standard, Micro, and Ultra Low accounts already provide access to equity index CFDs (US500, GER40, UK100, and others) and stock CFDs on MT5. These instrument categories do not require the $10,000 minimum deposit and offer leverage \u2014 meaning you can participate in stock market movements without committing $10,000 upfront. The Shares Account is specifically for clients who want actual share exposure without CFD structure.<\/p>\r\n\r\n <div class=\"warn-box\">\r\n <strong>No leverage on the Shares Account:<\/strong> Unlike every other XM account type, the Shares Account carries no leverage. You pay the full market price per share and the commission applies per transaction. This makes it structurally different from all other XM accounts and means the $10,000 minimum deposit is a real capital commitment, not a margin requirement.\r\n <\/div>\r\n\r\n <hr class=\"divider\">\r\n\r\n <!-- SECTION 6: BASE CURRENCIES -->\r\n <h2 id=\"base-currencies\">XM Account Base Currency Options \u2014 Full List by Account Type<\/h2>\r\n <p>Your base currency is the denomination of your account balance. Deposits and withdrawals convert to and from this currency, and margin requirements are calculated in it. Choosing a base currency that matches your local banking currency avoids conversion fees on deposits and withdrawals.<\/p>\r\n\r\n <div class=\"pip-table-wrap\">\r\n <table class=\"pip-table\">\r\n <thead>\r\n <tr><th>Account type<\/th><th>Available base currencies<\/th><th>Number of options<\/th><\/tr>\r\n <\/thead>\r\n <tbody>\r\n <tr><td>Standard Account<\/td><td>USD, EUR, GBP, JPY, CHF, AUD, HUF, PLN, SGD, ZAR<\/td><td><strong>10<\/strong><\/td><\/tr>\r\n <tr><td>Micro Account<\/td><td>USD, EUR, GBP, JPY, CHF, AUD, HUF, PLN, SGD, ZAR<\/td><td><strong>10<\/strong><\/td><\/tr>\r\n <tr><td>Ultra Low Standard<\/td><td>EUR, USD, GBP, AUD, ZAR, SGD<\/td><td><strong>6<\/strong><\/td><\/tr>\r\n <tr><td>Ultra Low Micro<\/td><td>EUR, USD, GBP, AUD, ZAR, SGD<\/td><td><strong>6<\/strong><\/td><\/tr>\r\n <tr><td>Shares Account<\/td><td>USD only<\/td><td><strong>1<\/strong><\/td><\/tr>\r\n <\/tbody>\r\n <\/table>\r\n <\/div>\r\n\r\n <p>For traders in markets where JPY, CHF, HUF, or PLN are the local currency, the Standard and Micro accounts offer an option that Ultra Low does not. This is one of the less obvious reasons some active traders in Japan and Eastern Europe continue using the Standard Account despite Ultra Low's tighter spreads.<\/p>\r\n\r\n <hr class=\"divider\">\r\n\r\n <!-- SECTION 7: ALL FIVE SUMMARY CARDS -->\r\n <h2 id=\"all-five\">Summary Cards \u2014 All Five XM Accounts at a Glance<\/h2>\r\n <p>Quick reference for each account type with recommended trader profile and direct registration link.<\/p>\r\n\r\n <div class=\"acc-sum-grid\">\r\n <div class=\"acc-sum featured\">\r\n <div class=\"acc-sum-badge\">Most Popular<\/div>\r\n <h3>Standard Account<\/h3>\r\n <div class=\"acc-sum-desc\">Full-size lots, widest base currency selection, full bonus eligibility<\/div>\r\n <div class=\"acc-sum-rows\">\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Min. deposit<\/span><span class=\"asr-val\">$5<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Max leverage<\/span><span class=\"asr-val\">1:1,000<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Lot size<\/span><span class=\"asr-val\">1 lot = 100,000<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Spread<\/span><span class=\"asr-val\">Variable<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Commission<\/span><span class=\"asr-val g\">None<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Platform<\/span><span class=\"asr-val\">MT4 \/ MT5<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Best for<\/span><span class=\"asr-val\" style=\"text-align:right;font-size:0.75rem;\">General trading, EA users, bonus seekers<\/span><\/div>\r\n <\/div>\r\n <a href=\"https:\/\/clicks.pipaffiliates.com\/c?c=376664&l=en&p=1\" class=\"acc-sum-cta\" target=\"_blank\" rel=\"noopener\">Open Standard Account \u2192<\/a>\r\n <\/div>\r\n\r\n <div class=\"acc-sum\">\r\n <div class=\"acc-sum-badge\" style=\"background:rgba(22,163,74,0.08);color:#15803d;border-color:rgba(22,163,74,0.2);\">Beginner Friendly<\/div>\r\n <h3>Micro Account<\/h3>\r\n <div class=\"acc-sum-desc\">Small lots, low dollar risk per pip, same leverage as Standard<\/div>\r\n <div class=\"acc-sum-rows\">\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Min. deposit<\/span><span class=\"asr-val\">$5<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Max leverage<\/span><span class=\"asr-val\">1:1,000<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Lot size<\/span><span class=\"asr-val\">1 lot = 1,000<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Spread<\/span><span class=\"asr-val\">Variable<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Commission<\/span><span class=\"asr-val g\">None<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Platform<\/span><span class=\"asr-val\">MT4 \/ MT5<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Best for<\/span><span class=\"asr-val\" style=\"text-align:right;font-size:0.75rem;\">Beginners, strategy testing, risk-conscious<\/span><\/div>\r\n <\/div>\r\n <a href=\"https:\/\/clicks.pipaffiliates.com\/c?c=376664&l=en&p=1\" class=\"acc-sum-cta\" target=\"_blank\" rel=\"noopener\">Open Micro Account \u2192<\/a>\r\n <\/div>\r\n\r\n <div class=\"acc-sum\">\r\n <div class=\"acc-sum-badge\" style=\"background:rgba(37,99,235,0.08);color:#1d4ed8;border-color:rgba(37,99,235,0.2);\">Lowest Spread<\/div>\r\n <h3>Ultra Low Standard<\/h3>\r\n <div class=\"acc-sum-desc\">Tightest spreads, full-size lots, best for active and scalping traders<\/div>\r\n <div class=\"acc-sum-rows\">\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Min. deposit<\/span><span class=\"asr-val\">$5<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Max leverage<\/span><span class=\"asr-val\">1:1,000<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Lot size<\/span><span class=\"asr-val\">1 lot = 100,000<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Spread<\/span><span class=\"asr-val g\">Ultra Low variable<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Commission<\/span><span class=\"asr-val g\">None<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Platform<\/span><span class=\"asr-val\">MT4 \/ MT5<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Best for<\/span><span class=\"asr-val\" style=\"text-align:right;font-size:0.75rem;\">Scalpers, high-frequency traders, cost-focused<\/span><\/div>\r\n <\/div>\r\n <a href=\"https:\/\/clicks.pipaffiliates.com\/c?c=376664&l=en&p=1\" class=\"acc-sum-cta\" target=\"_blank\" rel=\"noopener\">Open Ultra Low Standard \u2192<\/a>\r\n <\/div>\r\n\r\n <div class=\"acc-sum\">\r\n <h3>Ultra Low Micro<\/h3>\r\n <div class=\"acc-sum-desc\">Tight spreads with small lots \u2014 best of both for cautious new traders<\/div>\r\n <div class=\"acc-sum-rows\">\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Min. deposit<\/span><span class=\"asr-val\">$5<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Max leverage<\/span><span class=\"asr-val\">1:1,000<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Lot size<\/span><span class=\"asr-val\">1 lot = 1,000<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Spread<\/span><span class=\"asr-val g\">Ultra Low variable<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Commission<\/span><span class=\"asr-val g\">None<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Platform<\/span><span class=\"asr-val\">MT4 \/ MT5<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Best for<\/span><span class=\"asr-val\" style=\"text-align:right;font-size:0.75rem;\">Low-risk testing with tight spread environment<\/span><\/div>\r\n <\/div>\r\n <a href=\"https:\/\/clicks.pipaffiliates.com\/c?c=376664&l=en&p=1\" class=\"acc-sum-cta\" target=\"_blank\" rel=\"noopener\">Open Ultra Low Micro \u2192<\/a>\r\n <\/div>\r\n\r\n <div class=\"acc-sum\" style=\"grid-column:1\/-1;border-color:#ddd;background:var(--lighter);\">\r\n <div class=\"acc-sum-badge\" style=\"background:#f3f4f6;color:var(--muted);border-color:var(--border);\">Stocks Only<\/div>\r\n <h3>XM Shares Account<\/h3>\r\n <div class=\"acc-sum-desc\">Individual US, UK, and German company stocks \u2014 no leverage, MT5 only, commission applies<\/div>\r\n <div class=\"acc-sum-rows\">\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Min. deposit<\/span><span class=\"asr-val r\">$10,000<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Leverage<\/span><span class=\"asr-val m\">No leverage<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Lot size<\/span><span class=\"asr-val\">1 share<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Commission<\/span><span class=\"asr-val r\">US: $0.04\/share (min $1) \u00b7 UK: 0.10% (min $9) \u00b7 GER: 0.10% (min $5)<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Platform<\/span><span class=\"asr-val\">MT5 Only<\/span><\/div>\r\n <div class=\"acc-sum-row\"><span class=\"asr-key\">Best for<\/span><span class=\"asr-val\" style=\"font-size:0.75rem;\">Investors wanting real share exposure, not CFD<\/span><\/div>\r\n <\/div>\r\n <a href=\"https:\/\/clicks.pipaffiliates.com\/c?c=376664&l=en&p=1\" class=\"acc-sum-cta\" style=\"max-width:280px;\" target=\"_blank\" rel=\"noopener\">Open Shares Account \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 Account Types Comparison<\/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 difference between XM Standard and Micro accounts?<\/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 core difference is lot size. A Standard Account lot equals 100,000 currency units; a Micro Account lot equals 1,000 units. At 0.1-lot trade size on EURUSD, a Standard trade is worth roughly $1 per pip while a Micro trade is worth $0.01 per pip. Both accounts share the same $5 minimum deposit, 1:1,000 maximum leverage, variable spread, zero commission, and ten base currency options.<\/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 XM Standard and Ultra Low accounts?<\/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 spread width. Ultra Low accounts consistently offer tighter variable spreads than Standard accounts across most instruments. Both charge zero commission and share the same $5 minimum deposit and 1:1,000 maximum leverage. The Standard Account supports ten base currencies while Ultra Low supports only 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>Which XM account has the lowest minimum deposit?<\/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\">Standard, Micro, Ultra Low Standard, and Ultra Low Micro all share the same minimum deposit of $5. The Shares Account is the only exception at $10,000 minimum. The $5 minimum applies per deposit transaction across all three accepted payment methods (card, bank wire, Skrill).<\/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 any 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\">Commission applies only to the Shares Account. Rates are: US shares \u2014 $0.04 per share with a $1 minimum per transaction; UK shares \u2014 0.10% per transaction with a $9 minimum; German shares \u2014 0.10% with a $5 minimum. All other account types \u2014 Standard, Micro, Ultra Low Standard, Ultra Low Micro \u2014 have no commission. Trading costs on those accounts are entirely within the spread.<\/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 switch between XM account types 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 available type from your XM Member Area in under one minute, without repeating the verification process. Each additional account can have a different type and different base currency.<\/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 scalping strategies?<\/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 Ultra Low Standard Account is generally the most cost-effective for scalping. Scalping strategies rely on capturing small price movements multiple times per session, so the entry cost (spread) on each trade directly affects profitability. The Ultra Low Standard offers tighter spreads than the Standard Account with no commission, which gives scalpers a lower breakeven threshold per 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>What base currencies does each XM account support?<\/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\">Standard and Micro accounts support ten base currencies: USD, EUR, GBP, JPY, CHF, AUD, HUF, PLN, SGD, and ZAR. Ultra Low Standard and Ultra Low Micro support six: EUR, USD, GBP, AUD, ZAR, and SGD. The Shares Account accepts USD only. Choosing a base currency matching your local banking currency avoids conversion fees on deposits and withdrawals.<\/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\" class=\"related-card\">\r\n <div class=\"rc-label\">Account Types<\/div>\r\n <div class=\"rc-title\">XM Account Types \u2014 Full Breakdown<\/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<\/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<\/div>\r\n <div class=\"rc-title\">How to Open a Free 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\">Funding<\/div>\r\n <div class=\"rc-title\">How to Deposit to 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-account-types\">Account Types<\/a>\r\n <a href=\"https:\/\/xemsignup.com\/xm-open-real-account\">Open Real 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. Never invest more than you can afford to lose. 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 Account Types \u203a Account Types Comparison Account Comparison XM Account Types Comparison \u2014 Standard vs Micro vs Ultra Low vs Shares \u2014 Full Specification Comparison All five XM accounts share the same NDD execution system, negative balance protection, and platform access \u2014 but differ in ways that directly affect your per-trade […]<\/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 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