XM Deposit

How to make a Deposit in XM

To XM’s trading accounts, there are various ways to make a deposit.

In this article, we will show you how to make a deposit to XM’s trading accounts by using Credit/ Debit Cards, Online Bank Transfer, Electronic Payments, Google Pay.

Credit/ Debit Cards

Deposit on Desktop

To make a deposit into XM’s trading account, please follow the instruction below.

1. Login to the XM

Press “Member Login”.

Enter your MT4/MT5 ID and Password, Press "Login".

2. Select the deposit method “Credit/Debit Cards”

Deposit methods	Processing time	Deposit fees
Credit/Debit Cards	Immediately	Free

NOTE: Before you proceed with a deposit via credit/debit card, please note the following:

• Please make sure that all payments are made from an account registered in the same name as your XM account.
• All withdrawals, excluding profits, can only be paid back to the credit/debit card that the deposit was initiated from, up to the deposited amount.
• XM does not charge any commissions or fees for deposits via credit/debit cards.
• By submitting a deposit request, you consent to your data being shared with third parties, including payment service providers, banks, card schemes, regulators, law enforcement, government agencies, credit reference bureaus and other parties we deem necessary to process your payment and/or verify your identity.

3. Enter the deposit amount and click "Deposit"

4. Confirm the account ID and deposit amount

Click on "Confirm" to proceed.

5. Enter all the required information to finish the Deposit

Click "Pay Now"

The deposit amount will be instantly reflected into your trading account.

Are you having trouble with Deposit to XM MT4 or MT5?

Contact their support team on Livechat. They are available for 24/7.

Deposit on Mobile Phone

1/ Click the “Deposit" button from Menu

After logging into My Account XM Group official account, click “Deposit” button on the menu on the left side of the screen

2/ Select Deposit payment method

Credit/Debit cards is a recommended payment for deposit because it’s simple and allows fast deposit.

3/ Enter the amount you want to deposit

Use your registered currency when opening an account. If you have selected trading currency is USD, then enter the deposit amount in USD.

After checking the XM Account ID and the amount of money needed to deposit, enter the amount you wish to deposit to your account, click “Deposit" and you will be redirected to the payment age.

4. Confirm the account ID and deposit amount

If the information is correct then you click the “Confirm" button.

5/ Enter Credit/Debit cards information

Please enter your Credit/Debit cards information because the system will automatically direct you to the card information input page.

If your card was previously charged, some information should have been previously entered. Confirm the information such as expiry date, …make sure all information is correct.

Once the information is filled, Click the “Deposit” button a message will appear “please wait while we process your payment”.

Please do not click Go back button on the browser while payment is being processed.

Then the process is complete.
 

Deposit methods other than Credit/Debit cards payment will not be reflected immediately.

If the payment is not reflected in the account, please contact support team at XM Group if the payment is not reflected in the account.

In addition, if your account is deposited from a foreign country other than your registered permanent resident address, you will need to attach a Credit/Debit cards details sheet and a credit/Debit cards image to the support team for security reasons

Please note that the above provisions will apply in the case of Credit/Debit cards issued in foreign country or when traveling abroad.

Electronic Payments

To make a deposit into XM’s trading account, please follow the instruction below.

1. Login to the XM

Press “Member Login”.

Enter your MT4/MT5 ID and Password, Press "Login".

2. Select the deposit methods you want to deposit, example: Skrill

Deposit methods	Processing time	Deposit fees
Electronic Payments	Immediately ~ within 1 hour	XM will not receive the full amount you deposited because Skrill charges fees for processing your transaction. Nevertheless, XM will cover the balance of any fees charged by Skrill, crediting your account with the corresponding amount.

NOTE: Before you proceed with a deposit via Skrill, please note the following:

• Please make sure that all payments are made from an account registered in the same name as your XM account.
• If you do not have an account with Skrill and want to register or learn more, please use this link www.skrill.com.
• By submitting a deposit request, you consent to your data being shared with third parties, including payment service providers, banks, card schemes, regulators, law enforcement, government agencies, credit reference bureaus and other parties we deem necessary to process your payment and/or verify your identity.

3. Enter the Skrill account, deposit amount and click "Deposit"

4. Confirm the account ID, Skrill account and deposit amount

Click on "Confirm" to proceed.

5. Enter all the required information to finish the Deposit

Online Bank Transfer

To make a deposit into XM’s trading account, please follow the instruction below.

1. Login to the XM

Press “Member Login”.

Enter your MT4/MT5 ID and Password, Press "Login".

2. Select the deposit method “Online Bank Transfer”

Deposit methods	Processing time	Deposit fees
Online Bank transfer	3-5 working days	Free

NOTE: Before you proceed with a deposit via Online Bank Transfer, please note the following:

• Please make sure that all payments are made from an account registered in the same name as your XM account.
• XM does not charge any commissions or fees for deposits via online banking.
• By submitting a deposit request, you consent to your data being shared with third parties, including payment service providers, banks, card schemes, regulators, law enforcement, government agencies, credit reference bureaus and other parties we deem necessary to process your payment and/or verify your identity.

3. Choose the Bank Name, enter the deposit amount and click "Deposit"

4. Confirm the account ID and deposit amount

Click on "Confirm" to proceed.

5. Enter all the required information to finish the Deposit

Google Pay

To make a deposit into XM’s trading account, please follow the instruction below.

1. Login to the XM

Press “Member Login”.

Enter your MT4/MT5 ID and Password, Press "Login".

2. Select the deposit method “Google Pay”

NOTE: Before you proceed with a deposit via Google Pay, please note the following:

• Please make sure that all payments are made from an account registered in the same name as your XM account.
• Please note that Google Pay deposits are non-refundable.
• XM does not charge any commissions or fees for deposits via Google Pay.
• The maximum monthly limit is USD 10,000.
• By submitting a deposit request, you consent to your data being shared with third parties, including payment service providers, banks, card schemes, regulators, law enforcement, government agencies, credit reference bureaus and other parties we deem necessary to process your payment and/or verify your identity.

3. Enter the deposit amount and click "Deposit"

4. Confirm the account ID and deposit amount

Click on "Confirm" to proceed.

5. Enter all the required information to finish the Deposit

XM Deposit FAQ

What payment options do I have to deposit/withdraw money?

We offer a wide range of payment options for deposits/withdrawals: by multiple credit cards, multiple electronic payment methods, bank wire transfer, local bank transfer, and other payment methods.

As soon as you open a trading account, you can log in to our Members Area, select a payment method of your preference on the Deposits/Withdrawal pages, and follow the instructions given.

In which currencies can I deposit money into my trading account?

You can deposit money in any currency and it will be automatically converted into the base currency of your account, by XM prevailing inter-bank price.
 

What is the minimum and maximum amount that I can deposit/withdraw?

The minimum deposit/withdrawal amount is 5 USD (or equivalent denomination) for multiple payment methods supported in all countries. However, the amount varies according to the payment method you choose and your trading account validation status. You can read more details about the deposit and withdrawal process in the Members Area.
 

How long does it take for funds to reach my bank account?

It depends on the country the money is sent to. Standard bank wire within the EU takes 3 working days. Bank wires to some countries may take up to 5 working days.
 

How long does the deposit/withdrawal take by credit card, e-wallet or any other payment method?

All deposits are instant, except for the bank wire transfer. All withdrawals are processed by our back office in 24 hours on business days.

Are there any deposit/withdrawal fees?

We do not charge any fees for our deposit/withdrawal options. For instance, if you deposit USD 100 by Skrill and then withdraw USD 100, you will see the full amount of USD 100 in your Skrill account as we cover all transaction fees both ways for you.

This also applies to all credit/debit card deposits. For deposits/withdrawals via international bank wire transfer, XM covers all transfer fees imposed by our banks, with the exception of deposits amounting to less than 200 USD (or equivalent denomination).
 

If I deposit funds by e-wallet, can I withdraw money to my credit card?

To protect all parties against fraud and in compliance with the applicable laws and regulations for the prevention and suppression of money laundering, our company’s policy is to return clients funds to the origin of these funds, and as such the withdrawal will be returned to your e-wallet account. This applies to all withdrawal methods, and the withdrawal has to go back to the source of the funds deposit.