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XM Deposit Bonus 2026: How the 100%, 50% and 20% Tiers Work
The XM deposit bonus can provide eligible clients with up to $5,700 in trading credit. See how the 100%, 50% and 20% tiers are calculated.
Published · Facts verified
| First tier | 100% deposit bonus up to $200 in trading creditReported by the provider |
|---|---|
| Second tier | 50% deposit bonus up to a further $500 in trading creditReported by the provider |
| Third tier | 20% deposit bonus up to a further $5,000 in trading creditReported by the provider |
| Maximum combined credit | Up to $5,700 across the three deposit tiersReported by the provider |
| Can the credit be withdrawn? | No — the bonus is trading credit, not withdrawable cashConfirmed in official documentation |
| Effect of a withdrawal | Withdrawing deposited funds can remove bonus credit proportionallyConfirmed in official documentation |
| Availability | Depends on country, XM entity, account and active campaignConfirmed in official documentation |
How much is the XM deposit bonus in 2026?
Quick answer: eligible new XM customers may receive a 100% deposit bonus up to $200, followed by a further 50% bonus up to $500 and a further20% bonus up to $5,000. The three stages provide up to $5,700 in combined bonus credit.
This is credit for trading, not cash that can be withdrawn. It adds to the account's equity and available margin, while your own deposit remains the cash balance. Eligible profits may be withdrawn under the XM conditions shown for the account.
The percentages are regional. A customer in Malaysia, Singapore, Thailand, Vietnam or Indonesia may see a different promotion—or no deposit promotion—depending on the XM company, account and campaign serving that registration. Treat the offer displayed inside your XM profile as the final answer.
How the 100%, 50% and 20% tiers work
The promotion works as a ladder. It does not apply all three rates to the same dollar at once. Each stage begins after the earlier stage has been used.
Tier 1: 100% up to $200
The first eligible deposits are matched dollar for dollar until $200 in bonus credit has been awarded. Deposit $50 and the 100% tier can add $50. Deposit $200 and it can add the full $200 available in this tier.
Tier 2: 50% up to a further $500
After the 100% tier has been filled, the next eligible deposit amount earns credit at 50%. Receiving the full $500 from this stage requires $1,000 of qualifying deposits within the tier.
Tier 3: 20% up to a further $5,000
Once the first two stages are complete, later eligible deposits can earn 20% credit until another $5,000 has been awarded. The third stage accounts for most of the $5,700 headline, so reaching the full amount requires substantially more capital than using the first tier.
Deposit and bonus examples
These examples show how the advertised ladder works when all three tiers are available and unused. They do not include trading profit, loss or currency conversion.
| Cumulative deposit | Bonus calculation | Total bonus credit | Equity before trading |
|---|---|---|---|
| $50 | 100% of $50 | $50 | $100 |
| $200 | 100% of $200 | $200 | $400 |
| $500 | $200 + 50% of the next $300 | $350 | $850 |
| $1,200 | $200 + $500 | $700 | $1,900 |
| $2,200 | $200 + $500 + 20% of $1,000 | $900 | $3,100 |
To use every stage, the calculation requires $200 for the first tier, $1,000 for the second and $25,000 for the third. That is $26,200 in cumulative qualifying deposits for the full $5,700 in credit. Most beginners will be deciding how to use the first stage, not whether to reach the maximum.
How to claim the XM deposit bonus
- 1
Open your free XM profile
Start through the XM registration route on this page. If the form displays a partner-code field, enter PC888 before submitting it.
- 2
Use your genuine country and personal details
XM uses the country of residence and account entity to determine which accounts, payment methods and promotions can be shown.
- 3
Complete account verification
Upload the identity and address documents requested in the secure Member Area. Your payment method should also be held in your own name.
- 4
Check the Promotions area
Confirm the exact percentage, remaining bonus balance and eligible account before depositing. Do not rely on an offer displayed to someone in another country.
- 5
Make a qualifying deposit
Choose an available payment method and review its minimum, currency conversion and processing information before confirming the payment.
- 6
Confirm the credit
Check the balance, credit and equity fields after the payment is processed. Contact XM support through the Member Area if the displayed credit does not match the live offer.
What the bonus credit does inside the account
The bonus appears as credit and can increase equity and free margin. This gives an eligible account more room to support positions than the cash deposit alone. It can also let you divide the available margin across more than one position.
More margin does not make price movement safer. A larger position still gains or loses money faster than a smaller one. The useful way to treat the bonus is as added flexibility while keeping the same position-size rules you would use without it.
The bonus also does not change the account's spread, swap, commission or conversion costs. Compare those separately in our XM fees guide, and choose the account through the XM account-types guide.
Enter PC888 if XM displays the partner-code field, then confirm the percentage and conditions shown in your profile.
Terms apply and offers can change — always confirm on the official site.
What happens to the bonus when you withdraw?
The deposit remains your money, subject to the normal account and payment conditions. The bonus remains conditional credit. When you withdraw part of the deposited funds, XM can remove a proportional share of the related credit.
For example, imagine an account has a $200 deposit and $200 of bonus credit, with no trading result. If half of the deposited funds is withdrawn, a proportional part of the credit can also be removed. The resulting equity would therefore fall by more than the cash withdrawal alone.
Check this before withdrawing while trades are open because lower credit means lower equity and free margin. Our XM withdrawal guide explains the separate payment-processing steps and timing.
XM $30 no-deposit bonus vs deposit bonus
The two promotions serve different starting points. The XM $30 no-deposit bonus can let an eligible new customer explore live trading before making the first payment. The deposit bonus begins when an eligible payment is made and can add more credit as the account is funded.
- No-deposit bonus: useful for testing an eligible live account without depositing first.
- Deposit bonus: useful for adding margin to money you already planned to deposit.
Both are non-withdrawable credit. Neither should decide the entire broker choice. Read the full XM review for account, platform, funding and fee context, or use the XM partner-code guide if you need the PC888 registration steps.
XM deposit bonus FAQ
How much is the XM deposit bonus in 2026?
Eligible customers may receive 100% up to $200, a further 50% up to $500, and a further 20% up to $5,000. The three tiers can provide up to $5,700 in combined trading credit. The offer must appear for your country and account to apply.
Does XM double the first $200 deposit?
Under the eligible 100% tier, a qualifying $200 deposit receives $200 in trading credit, giving the account $400 in trading equity before trading results. The $200 bonus portion is credit and cannot be withdrawn as cash.
How do the 100%, 50% and 20% tiers work together?
The bonus is applied as a ladder. The first eligible portion earns 100% up to $200 in credit. The next eligible deposits earn 50% until another $500 has been credited. Further eligible deposits earn 20% until another $5,000 has been credited.
Can I withdraw the XM deposit bonus?
No. The deposit bonus is trading credit rather than cash. Eligible trading profits may be withdrawn under the applicable XM conditions, but the bonus credit itself remains non-withdrawable.
What happens to my XM bonus when I withdraw money?
Withdrawing deposited funds can remove a proportional share of the bonus credit. This can reduce account equity and free margin, so check the figures shown in the account before confirming a withdrawal while positions are open.
Do I need XM partner code PC888 for the deposit bonus?
PC888 associates a new registration with this partner campaign when XM displays a partner-code field. It does not override country, account or campaign eligibility. The promotion shown in your XM profile is the final confirmation.
Is the XM deposit bonus available in every country?
No. Bonus availability and percentages vary by region, XM entity, account type and current campaign. Create the free profile and check the live Promotions area before depositing.
Final verdict
The XM deposit bonus is most useful as additional trading margin. The first 100% tier is the part many new customers will notice most: an eligible $200 deposit can be matched with $200 in credit without requiring a large first payment.
XM also gives eligible customers room to grow through the later 50% and 20% tiers. Together, the full ladder can provide up to $5,700 in credit. Open the free profile first, check the offer displayed for your country and choose a deposit based on your own trading plan rather than the maximum headline amount.
Use partner code PC888 if the registration form displays a partner-code field. Bonus availability and percentages vary by country and account.
Terms apply and offers can change — always confirm on the official site.