What is XM?
XM (Trading Point of Financial Instruments) is an internationally regulated forex and CFD broker founded in 2009, serving more than 15 million clients across 190+ countries, with regulation including CySEC, ASIC, FSCA, DFSA and FSC.
How does the 20% deposit bonus work?
XM offers a tiered deposit bonus that includes a 20% tier on qualifying deposits. The bonus is credited as trading funds — the bonus amount itself can't be withdrawn, but profits earned while trading with it can. Availability, amounts and conditions depend on your region and account (EU clients under the CySEC entity are not eligible), so always confirm the current terms on the official XM website before depositing.
What is the Ultra Low account?
It's XM's low-spread account, with spreads on majors such as EUR/USD starting from around 0.6 pips — roughly half the Standard account. It suits active traders, day traders and scalpers, and comes in Standard and Micro lot versions.
Which platforms can I use?
MetaTrader 4 and MetaTrader 5 on desktop, web and mobile, the XM App, and a WebTrader with TradingView charts built in.
Is XM regulated and are my funds safe?
XM operates under multiple regulators including CySEC, ASIC, FSCA, DFSA and FSC. Client funds are held in segregated accounts, and every account includes negative balance protection, so you can't lose more than your deposited balance.
Is trading CFDs risky?
Yes. Trading forex and CFDs carries a high level of risk and may not be suitable for all investors. Leverage amplifies both gains and losses, and most retail accounts lose money. Only trade with funds you can afford to lose.