XM.com Review 2025

XM.com clients benefit from a clean, uncluttered, simple and easy-to-use interface. The site is effectively designed and aesthetically pleasing, and we had no trouble navigating our way around the various sections when conducting this XM.com review 2025. It offers an abundance of educational tools, blog posts and other helpful advice, and the attention to detail impressed us during this XM.com review.

The business is also keen to provide an excellent customer experience offline. It claims that the management team has visited more than 120 cities around the world for face-to-face meetings with customers, as it believes in the value of human interaction. XM.com also hosts a number of seminars around the world to educate traders, enabling them to make better trading decisions. It strives for high customer retention, and it claims to have executed more than 2.4 billion trades, with zero requotes or rejections.

We also analysed the security of the site when conducting our XM.com review. It has invested in the latest SSL technology as part of a strong commitment to guaranteeing transfer security and clients’ privacy. XM.com has not had any significant security breaches since the site launched in 2009, so you can trade with confidence at this site.

How To Trade

You are presented with two key options at XM.com: practice on a demo account or begin live trading straight away. If you want to open a live account, you will have to provide your personal details and choose your trading platform. MT5 allows you to trade forex, CFDs on stocks, equity indices, metals and energies. MT4 does not provide CFDs on stocks. You can then choose a Micro, Standard or Zero Account. You will have to validate your account by providing proof of identity and address.

Once you have installed the platform and made a deposit, you can find a trade you are interested in. You can double click on a particular instrument in the Market Watch section, or click on “New Order”, Enter the size of your contract in the “Volume” box. Choose the type of trade – either a market execution or pending order – and click on either buy or sell. Your order will then be instantly processed, and you can view your active trades in the “Terminal” window, by clicking on the “Trade” tab.

The next part of our XM.com review 2025 concerns the range of payment methods at your disposal. It accepts multiple credit cards and debit cards, a range of electronic payment methods, local bank transfers and slightly more niche options. Neteller, Skrill, UnionPay, Sofort and Przelewy24 are all among the deposit options, and you should be impressed with the breadth of choice on offer. You can deposit money in any currency, and it will then be automatically converted into the base currency of your account by XM prevailing interbank price. Deposits are instant.

Most of the deposit methods are also valid for withdrawals. All withdrawal requests will be completed within one working day. If you have opted for an e-wallet like Skrill or Neteller, you should receive your money that day. Payments by bank wire, credit card or debit card typically take two to five business days to arrive in your account. Your trading account must be validated in order to make a withdrawal. All withdrawals are totally free of charge, but some providers may charge their own handling fees.

Fees

The account tiers differ in pricing at XM.com. The Zero Account charges lower spreads, but it does charge a commission. Spreads are higher for clients with the other accounts, but there are no commissions. The minimum spread across all accounts at XM.com is 0.1 pips, and the average spread for a major pair such as euros to US dollars is 0.1 pips.

The site promotes a strict “no hidden fees or commission” policy, which should appeal to novice traders reading this XM.com review. It covers all transfer fees and guarantees free, same-day withdrawals to a range of different banking options. The fees are generally lower than average on CFD trading, but you will find rival brokers with more attractive forex fees. Stock fees are lower than average, but not quite as appealing as those on offer at eToro.

Accounts are free, and the only non-trading fee we need to make you aware of in this XM.com review is an inactivity fee. You will have to pay a one-off £15 fee after a year of inactivity, and then a $5 monthly fee if your account remains inactive. An inactivity fee is fairly standard in the industry. All deposits and withdrawals are free at XM.com.

XM.com prides itself on excellent customer service. It offers support in more than 25 languages: English, Greek, Simplified Chinese, Traditional Chinese, Bahasa Malay, Bahasa Indonesia, Korean, Russian, French, Spanish, Italian, German, Polish, Hindi, Arabic, Portuguese, Czech, Slovakian, Bulgarian, Romanian, Bengali, Urdu, Thai, Nepali, Tagalog, Vietnamese, Cebuano and Serbian. That is extremely comprehensive. You can choose from live chat, email or phone.

We put the customer service to the test for this XM.com review and found it to be excellent. We received quick responses to a multitude of questions, ranging from basic requests about how to set up an account to complex queries about trading. The representatives were friendly, diligent and helpful at all times.

However, one drawback is that customer support is only available from Monday to Friday, and only for 14 hours per day. Some trading sites offer 24/7 customer support. XM.com offers 24/7 trading, so you would expect to be able to benefit constant support, so that is one area in which we have to mark it down in this XM.com review 2025. On the other hand, it does offer an extremely comprehensive FAQ section, so you should actually be able to find answers to most questions without even having to contact anyone.

XM.com is a fully regulated site with a number of different licences. It is licensed by the Cyprus Securities and Exchange Commission, Australian Securities and Investments Commission and International Financial Services Commission. It then has registrations for outward passporting in countries such as the UK, Germany, Spain, Hungary, Italy, France, Finland, Poland, the Netherlands and Sweden. The business is approved by respected bodies like the UK Financial Conduct Authority, BaFin in Germany and CNMV in Spain.

It follows a number of procedures to maintain the safety of our clients’ funds. XM.com uses an automated system for monitoring transactions and risk management for the sake of no negative balance, and therefore protects its clients from any losses bigger than their original investments. As mentioned earlier in this XM.com review, it uses the latest SSL technology to encrypt data, and it ensures trading transparency for its financial instruments by providing detailed information about trading conditions. The firm also pledges to work with a variety of liquidity providers to offer the best spreads and liquidity at all times.

Reputation and Customer Feedback

XM.com has a strong reputation among traders and their subsequent customer reviews. It prides itself on great service and high retention rates, so it goes the extra mile to keep clients happy. The site is renowned for its above-average leverage of 1:888, so it is popular among traders.