XM uses a region-responsive domain for several legal companies and product menus. The account-types page reviewed on 15 October displayed XM Global Limited and the Standard, Ultra Low and Shares menu, while the legal-documents page described an EEA operator. The agreement accepted during registration therefore controls over the domain name alone.[3][10][1][2]
Accounts & headline costs
Sections ↑Account comparison01
International account menu displayed with XM Global Limited
| Account | Minimum deposit | Primary distinction |
|---|---|---|
| Standard | US$5 | General CFD/forex account with standard lot sizing.Source 3Source 4 |
| Ultra Low | US$5 | Lower-spread / lower-swap positioning; instrument conditions apply.Source 3 |
| Shares | US$10,000 | Underlying share-investing route where available; separate eligibility and platform terms.Source 3 |
| Demo | Virtual balance | Practice environment, not evidence of live execution quality.Source 3 |
Account comparison02
Shared account features published by XM
| Feature | Published treatment | Qualification |
|---|---|---|
| Negative balance protection | Included on the account page | Entity and client-class rules still determine the legal protection.Source 3 |
| Hedging | Available | Margin and product rules apply.Source 3 |
| Islamic option | Available | Eligibility and swap-free terms require the account conditions.Source 3 |
| Maximum concurrent trading accounts | 10 plus one Shares account | XM help-centre operating limit.Source 4 |
Account comparison03
How the account menu changes by legal route
| Route / company | Published evidence | Reader check |
|---|---|---|
| XM Global Limited — Belize | Rendered international account and support pages | Confirm country eligibility, leverage, bonuses and the Belize agreement.Source 3Source 12 |
| Trading Point of Financial Instruments Ltd — Cyprus | CySEC 120/10 and xm.com approved-domain record | EEA retail rules and the accepted Cyprus documents apply only where this company serves the account.Source 1Source 10 |
| Trading Point MENA Limited — DIFC | MENA page identifies DFSA F003484 | Dubai product and client scope are separate from Belize and Cyprus.Source 2 |
| Shares route | US$10,000 minimum on the rendered international menu | Underlying-share eligibility, venue, custody and fees require the specific regional documents.Source 3Source 8 |
Products & platforms
Sections ↑Platforms & products04
Platform differences
| Feature | MT4 | MT5 |
|---|---|---|
| Published analytical tools | 50+ indicators/charting tools | 58+ indicators and 44 analytical objectsSource 6Source 7 |
| Automation | MQL4 Expert Advisors | MQL5 Expert AdvisorsSource 6Source 7 |
| Stock CFDs | Not available | AvailableSource 4Source 8 |
| Underlying shares | Not available | Available where supported by the account/entitySource 8 |
| Other published markets | Forex, indices, metals and energy CFDs | Forex, crypto, share, index, metal, energy and commodity CFDsSource 4Source 8 |
Platforms & products05
Product and account-route distinctions
| Feature | Published position | Boundary |
|---|---|---|
| Stock CFDs | MT5 route | A stock CFD is a derivative, not ownership of the share.Source 4Source 8 |
| Underlying shares | MT5 where the serving account supports them | Shares availability is region/account-specific.Source 8Source 3 |
| Crypto CFDs | Published in the MT5 product categories on supported routes | Regional retail restrictions can remove access.Source 8 |
| Demo | Virtual-balance practice account | Not evidence of live spread, slippage or withdrawal quality.Source 3 |
| Islamic option | Published as available | Eligibility and later holding treatment require the account terms.Source 3 |
Fees & holding costs
Sections ↑The account menu positions Ultra Low around lower spreads, swaps and commissions without providing a complete instrument-by-instrument price grid on that page. Standard, Ultra Low and Shares are different contractual routes: the minimum funding amount is not the expected total trading cost, and a Shares transaction should not inherit a CFD financing or lot-size assumption. The live instrument specification and the agreement accepted at registration determine the rate and charge basis.[3][10]
Pricing & charges06
Cost layers not captured by the opening minimum
| Layer | What is established | What must be checked |
|---|---|---|
| Spread | Ultra Low is positioned as a lower-spread route | Current instrument spread and whether the figure is minimum or live.Source 3 |
| Commission | No single universal commission is supplied by the account overview | Account, instrument, charging side and minimum.Source 3Source 10 |
| Swap / financing | Ultra Low marketing references lower swap treatment | Instrument, holding period and Islamic conditions.Source 3 |
| Share transaction cost | Shares is a separate account route | Venue/custody/commission schedule; do not use CFD financing assumptions.Source 3Source 8 |
| Bank/payment cost | XM says it charges no internal deposit/withdrawal fee and conditionally covers its wire charges | Correspondent bank, processor and currency conversion deductions can remain.Source 9 |
The US$5 or US$10,000 account minimum is a funding threshold, not a total-cost estimate. A supported comparison needs the legal entity, instrument, account, spread/commission basis, holding period and payment currency.[3][9][10]
Execution & trading rules
Sections ↑XM’s execution page advertises 99.7% of orders during named news events executed within 66 milliseconds and claims no requotes or rejections. Those are provider claims, not independently measured results in this profile. The marketing page supplies no observation period or complete measurement methodology beside the figure. It should not be treated as a contractual guarantee that a stop order will fill at its trigger price or that every future trade will have zero slippage.[11]
Reference table07
Published operating controls
| Control | Published position | Interpretation |
|---|---|---|
| Concurrent accounts | Up to ten trading accounts plus one Shares account | An account count is not a position or order limit.Source 4 |
| Hedging | Published as available | Offsetting positions still carry spread, financing and margin consequences.Source 3 |
| Negative balance protection | Published on the account page | Legal scope depends on the serving company and client classification.Source 3Source 10 |
| Automation | MQL4 / MQL5 Expert Advisors | Strategy performance and hosting continuity were not tested.Source 6Source 7 |
| Execution claim | 99.7% within 66ms during named news events; no requotes/rejections claimed | Provider marketing without a full methodology or contractual guarantee in this profile.Source 11 |
Deposits, withdrawals & transfers
Sections ↑Account comparison08
Published payment conditions
| Item | Published term | Qualification |
|---|---|---|
| Minimum deposit or withdrawal | US$5 | Payment-method minimums can differ.Source 9 |
| XM deposit / withdrawal fee | None | Banks and payment processors can impose separate charges.Source 9 |
| International wire fees | XM covers its bank’s charges from US$200 equivalent | Subject to change and third-party deductions.Source 9 |
| Withdrawal processing | Immediately or same day by XM system | Bank/card arrival usually takes 2–5 business days.Source 9 |
| Third-party payments | Not accepted | Funding and withdrawal source must belong to the client.Source 9 |
| Open-position withdrawal test | Margin-level restrictions apply | Published thresholds differ between weekdays and weekends.Source 9 |
The facts09
Selected withdrawal margin thresholds
| Measure | Value | Context |
|---|---|---|
| Weekday restriction | Request cannot take margin level below 150% | Monday 01:00 to Friday 23:50, server time framework.Source 9 |
| Weekend restriction | Request cannot take margin level below 400% | Friday 23:50 to Monday 01:00, server time framework.Source 9 |
| Return to source | Initial funding is returned to the original method first | Remaining available funds can then use eligible methods.Source 9 |
| Client money | Held in segregated accounts | Publisher statement; exact protection follows the serving entity.Source 9 |
Transfer terms10
Cash-access sequence
| Stage | Published rule | Consequence |
|---|---|---|
| Funding ownership | Third-party payments are not accepted | Use a payment source in the client’s name.Source 9 |
| Original-source repayment | Initial deposits are returned to the original method first | Profit withdrawal follows the remaining eligible route.Source 9 |
| Broker processing | Immediate or same-day in the published system description | Not the same as receipt by the bank/card issuer.Source 9 |
| Provider receipt | Usually two to five business days for bank/card routes | External processing can vary.Source 9 |
| Open-position test | 150% weekday / 400% weekend margin thresholds in the published framework | Withdrawable cash is not the same as account equity.Source 9 |
Protection & regulation
Sections ↑Entities & regulation11
Selected legal-company context
| Company | Jurisdiction | Evidence |
|---|---|---|
| Trading Point of Financial Instruments Ltd | Cyprus | CySEC 120/10; xm.com listed as approved domain.Source 1 |
| Trading Point MENA Limited | Dubai International Financial Centre | DFSA F003484 on the MENA site.Source 2 |
| XM Global Limited | Belize | Website-disclosed FSC licence 8557558; not independently matched here to an FSC firm-register entry.Source 3Source 12 |
Protections & eligibility12
Protection boundaries by company and product
| Question | Supported position | Limit |
|---|---|---|
| Which company is regulated by CySEC? | Trading Point of Financial Instruments Ltd, licence 120/10 | That permission does not automatically cover a Belize or DIFC account.Source 1 |
| What is known about XM Global? | Company-disclosed Belize FSC reference 8557558 | No direct FSC firm-register match was verified in the retained refresh.Source 3Source 12 |
| Client money | XM publishes segregated-account treatment | Segregation is not protection against market loss or an instant-repayment guarantee.Source 9 |
| Negative balance | Published on the account menu | Scope follows the actual agreement and client classification.Source 3Source 10 |
| Investment protection | Must be assessed for the serving company and eligible service | No group-wide single compensation limit is inferred.Source 1Source 2Source 10 |
Opening an account & support
Sections ↑Published XM support routes
International support gatewayWebsite
https://www.xm.com/supportSource 12
Scope Help Center, regional support and the Belize-office disclosure on the reviewed route.
Trading-account helpWebsite
https://www.xm.com/help-center/trading-accountsSource 4
Scope Account count, platform and operating guidance.
Legal documentsWebsite
https://www.xm.com/legal-documentsSource 10
Scope Identify the agreement and company that apply to the registration.
No support response, account approval or complaint handling was tested.
The international support page routes enquiries through the Help Center and lists the Belize office at Suite 101, 63 Eve Street, Belize City. The legal-documents page says that documents applying to a customer are identified during registration. For an account or complaint enquiry, the relevant reference is the legal company in those accepted documents, rather than another XM company’s office or investor-compensation scheme.[12][10]
Additional services
Sections ↑Reference table13
Account features and specialist routes
| Feature | Published use | Boundary |
|---|---|---|
| Demo account | Practice with virtual balance | Live execution and payment conditions are not reproduced.Source 3 |
| Islamic option | Swap-free eligibility on supported accounts | Instrument and holding conditions require the operative terms.Source 3 |
| Shares account | Underlying-share route on supported MT5 account | Separate US$10,000 minimum and product/custody conditions.Source 3Source 8 |
| Multiple trading accounts | Ten plus one Shares account | Account count does not make all products available on MT4.Source 4Source 8 |
Company background & evidence
Sections ↑Broker essentials14
Company and operating scale
| Measure | Value | Context |
|---|---|---|
| Company-stated clients | 20+ million | Global publisher figure across more than 190 countries; not current active funded accounts.Source 5 |
| Company-stated executed trades | 13.5+ billion | Cumulative publisher figure, not an annual volume.Source 5 |
| Languages | 30+ | Customer-experience support figure.Source 5 |
| Cyprus legal company | Trading Point of Financial Instruments Ltd | Company registration 251334; xm.com is an approved domain.Source 1 |
| CySEC licence | 120/10 | Licence date 5 August 2010.Source 1 |
The 20+ million client and 13.5+ billion trade figures are company-reported cumulative scale statements. They do not establish current active funded accounts, annual trading volume or execution quality for a particular legal company.[5]
- Headquarters
- Trading Point group — Cyprus-based EEA company and separate regional operating companies
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
Trading Point of Financial Instruments Ltd
CyprusSource 1
| Issuer & identifier | Recorded status | Date & scope |
|---|---|---|
| Cyprus Securities and Exchange Commission120/10 | Authorised | Checked 9 Oct 2026CySEC record dated 5 August 2010; xm.com is listed as an approved domain.Source 1 |
Trading Point MENA Limited
Dubai International Financial CentreSource 2
No separate licence entry is recorded in this panel.
XM Global Limited
| Issuer & identifier | Recorded status | Date & scope |
|---|---|---|
| Financial Services Commission of Belize8557558 | Not verified | Checked 15 Oct 2026Company-disclosed reference on the rendered international account page; no direct FSC firm-register match verified in this refresh.Source 3Source 12 |
Additional Information
Sections ↑Reference table15
Before relying on a generic XM page
| Check | Why it matters |
|---|---|
| Rendered legal company | The account page and legal-documents page can show different regional operators.Source 3Source 10 |
| Platform | MT4 and MT5 have different product coverage.Source 6Source 7Source 8 |
| Account route | Standard, Ultra Low and Shares have different funding and product economics.Source 3 |
| Live pricing | The overview does not supply a universal all-in spread/commission/swap schedule.Source 3 |
| Withdrawal timing | System processing, margin eligibility and bank/card receipt are distinct.Source 9 |
| Protection claim | Use the serving entity and eligible product; do not apply one group company’s regime to another.Source 1Source 2Source 10 |
Sources & further reading
- Trading Point of Financial Instruments Ltd — licence 120/10 Cyprus Securities and Exchange Commission · Accessed 9 Oct 2026
- XM MENA legal and product disclosure XM · Accessed 9 Oct 2026
- Account types XM · Accessed 15 Oct 2026
- Trading accounts help centre XM · Accessed 9 Oct 2026
- XM Group company and scale overview XM · Accessed 9 Oct 2026
- MetaTrader 4 platform XM · Accessed 9 Oct 2026
- MetaTrader 5 platform XM · Accessed 9 Oct 2026
- MT5 instrument coverage XM · Accessed 9 Oct 2026
- Deposits and withdrawals XM · Accessed 9 Oct 2026
- Regional legal documents and EEA operator disclosure XM · Accessed 15 Oct 2026
- Company execution claims XM · Accessed 15 Oct 2026
- International support page and Belize office XM · Accessed 15 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.