XM Rebate Standards: By Account Type and Instrument
By opening an account through our site, traders can earn cash rebates per lot. Rebate amounts vary by account type and trading instrument, as shown in the table below (unit: USD/lot):
| Account Type | Forex | Precious Metals | Energy | Indices | Notes |
|---|---|---|---|---|---|
| Standard Account | 9 | 26 | 2.15 | 12 | Covers major currency pairs |
| Ultra-Low Account | 4 | 9 | 2.15 | 5.25 | — |
| Micro Account | 9 | 26 | 2.15 | 12 | Suited to beginners with small capital |
Rebates are settled daily, and traders can view the details in their trading account. Note that rebate amounts are based on actual traded lots and do not constitute a promise of returns.
Account Structure: Three Account Types for Different Needs
XM offers three account types—Standard, Ultra-Low and Micro—all with a minimum deposit of 5 USD, maximum leverage of 1:1000, and support for the MT4 / MT5 platforms.
- Standard Account: Spreads from 1.0 pips with no commission, suited to most traders, with a higher rebate level (9 USD/lot on forex).
- Ultra-Low Account: Lower spreads, suited to high-frequency or large-capital traders, with correspondingly lower rebates (4 USD/lot on forex).
- Micro Account: Supports micro-lot trading, suited to beginners practicing with small capital, with the same rebates as the Standard account.
Traders can choose an account type based on their own trading frequency, capital size and cost preferences.
Balancing Spread Costs and Rebates
XM's Standard account has spreads from 1.0 pips with no commission, while the Ultra-Low account has lower spreads but smaller rebates. Traders need to weigh spreads against rebates: if trading frequency is high, a low-spread account may save more on costs; if trading frequency is moderate, the higher rebates of the Standard account can effectively reduce net costs.
Taking the Standard account as an example, forex rebates are 9 USD/lot, precious metals rebates are 26 USD/lot, index rebates are 12 USD/lot, and energy rebates are 2.15 USD/lot. Rebates are settled daily, helping traders quickly recover part of their costs.
Regulatory Safety and Deposits/Withdrawals
Founded in 2009, XM is regulated by CySEC (EU), ASIC (Australia) and FSC (Belize), with a long operating history and a large client base. On deposits and withdrawals, withdrawal review takes up to 24 hours; note that an inactivity fee applies after 90 days without trading. Traders should plan their trading frequency sensibly to avoid unnecessary fees.
Who It Suits and Account Opening Advice
XM suits beginners starting with small capital who want to trade step by step, as well as traders who prefer generous bonus and cashback promotions. A minimum deposit of 5 USD and maximum leverage of 1:1000 offer flexible choices for traders with different risk preferences.
If you value rebate income, the forex rebates on the Standard or Micro accounts are 9 USD/lot and precious metals rebates are 26 USD/lot, making them relatively more attractive; if you seek lower spreads, the Ultra-Low account is also an option.
By opening an account through our site, the terms are the same as on the official website, and you additionally enjoy cash rebates on every lot traded. Head to the XM account opening page for details, or use the rebate calculator to estimate your potential rebates.
FAQ
Does the XM rebate affect spreads or trading conditions?
No. Accounts opened through this site keep exactly the same spreads, leverage and bonus terms as the official XM website. The rebate is extra cash paid per lot, on top of your trading costs.
How often are rebates settled?
Daily. After each trading day, rebates from your closed trades are credited automatically — details are visible in your trading account, and you can request a withdrawal once the balance reaches $50 via USDT, Alipay, WeChat, bank transfer and more.
Which account type earns the best rebate?
It depends on how often you trade. Standard and Micro accounts pay the higher rebate (forex $9/lot, precious metals $26/lot) and suit most traders; the Ultra-Low account has tighter spreads but a smaller rebate (forex $4/lot) — high-frequency traders should weigh spread savings against the rebate difference.
How is the rebate calculated?
Rebate = lots actually traded × the rate for that instrument, in USD. For example, 1 lot of EURUSD on a Standard account earns $9 and 1 lot of gold earns $26; a 0.5-lot trade earns half. Final amounts follow the settlement statement.
Is XM safe? Anything to watch out for?
XM was founded in 2009 and is regulated by CySEC (EU), ASIC (Australia) and FSC (Belize), with a long track record and a large client base. Two notes: withdrawal reviews take up to 24 hours, and an inactivity fee applies after 90 days without trading.
