XM Minimum Deposit 2026: $5 Requirement by Account Type

The short answer

The XM minimum deposit is currently $5 for Standard and Ultra Low accounts. XM's Shares account has a $10,000 minimum deposit. Those are the figures shown on XM's global account page in 2026. The exact account types, deposit currency and payment methods shown to you depend on your country and the XM entity serving the account.

Opening an XM profile is free. You can review the available accounts, create a demo and see the live funding options before deciding how much to deposit.

XM minimum deposit by account type

XM operates through different regional entities, so there is no single account table that applies everywhere. The registration flow for your real country of residence is the final reference for the accounts and conditions you can choose.

What does the $5 XM minimum mean?

The $5 figure is the minimum required to fund an eligible Standard or Ultra Low account under the currently published global terms. It gives new customers a low entry point for accessing a live XM account after registration and verification.

It does not mean that every order requires only $5. A live order is assessed separately using:

• The selected instrument and its contract size
• The order volume
• The leverage available to the account
• The symbol's current margin requirement
• Any existing open positions or pending orders

Which XM account should you choose?

For a complete side-by-side breakdown, see our XM account types comparison. The summary below covers the choices most relevant to the minimum-deposit decision.

XM Standard account

Standard is XM's most broadly positioned account. Its $5 minimum makes it easy to open, while trading costs are primarily reflected through the spread. XM also associates Standard with bonus access where a promotion is offered for the customer's country.

It is the clearest starting point for customers who want a familiar account structure and do not need a specialist pricing model.

XM Ultra Low account

Ultra Low also starts from $5 on the global account page. XM positions it around lower spreads, swap fees and commissions. It can suit customers who prioritise ongoing trading costs over a broader promotional structure.

Compare the actual spread, swap and account terms for the instruments you intend to use. The same minimum deposit does not make Standard and Ultra Low identical accounts.

XM Shares account

The Shares account currently shows a $10,000 minimum. It is a specialist option and should not be confused with the mainstream Standard or Ultra Low accounts available from $5.

XM Micro and Zero accounts

Some regional XM menus may display Micro, Zero or variations of the Ultra Low account. Micro-style accounts focus on smaller contract sizing, while Zero-style accounts can combine narrower headline spreads with a separate commission. If either appears during your registration, use the displayed regional minimum and compare the complete cost rather than relying on an account name alone.

How much should you deposit?

The minimum answers whether an eligible account can be funded. A practical first deposit should also support the smallest position you intend to use while leaving free margin in the account.

A simple way to decide is:

1. Choose the market you want to practise trading.
2. Check the symbol's minimum volume and contract size.
3. Preview the margin required for that volume.
4. Decide the maximum amount you are prepared to risk.
5. Use demo first, then choose a live deposit that fits the plan.

XM's demo account provides virtual funds and the same familiar platform workflow, making it useful for checking order size and margin before moving to a live account. If you are choosing a platform as well, our MT4 vs MT5 comparison explains why MT5 is the stronger default for most new setups.

How to make your first XM deposit

1. 1

   Create your XM profile

   Register using your real country of residence so XM can display the correct entity, account menu and regional conditions.

2. 2

   Choose an eligible account

   Compare Standard and Ultra Low where both are displayed, then select MT4 or MT5 and an available base currency.

3. 3

   Complete verification

   Follow the identity and address checklist shown inside the secure XM account area.

4. 4

   Open Funding, then Deposit

   Review the cards, transfers, wallets or local routes currently offered to your verified profile.

5. 5

   Check the live minimum and currency

   Select a payment method to see its transaction minimum and any conversion before confirming the deposit.

Minimum deposit by country and currency

XM states that when a deposit is made in a currency other than USD, the amount shown is the equivalent in the deposit currency. This means the published $5 minimum may appear as a local-currency amount rather than exactly five units of that currency.

Customers in Singapore, Malaysia, Thailand, Indonesia, Vietnam and Brunei should select their genuine country during registration. XM will then show the entity, accounts, base currencies and funding routes available to that profile.

• Singapore readers can use our dedicated XM minimum deposit Singapore guide for SGD conversion and account details.
• Malaysian readers can review XM deposit methods in Malaysia for MYR, cards, transfers and e-wallet considerations.

Does the deposit qualify for an XM bonus?

XM's Standard account is presented with bonus access where the promotion is available. Bonus availability and percentage vary by region, and bonus credit is not withdrawable cash. The offer must be displayed for your country and account before you rely on it.

Partner code PC888 identifies this site as the referring partner. It does not lower the $5 account minimum or change XM's spreads and fees. See our XM partner code guide and XM deposit bonus guide for the registration field and current promotion conditions.

XM minimum deposit FAQ

After funding, withdrawals follow XM's available payment routes and return-to-source rules. Our XM withdrawal-time guide explains the processing and external payment stages.