XM's
Deposit Bonus, also called Credit, adds extra trading funds to your
account when you deposit into a Standard or Standard Micro account. The
first $500 you deposit gets a 100% bonus. After that, later deposits
qualify for a 50% bonus up to a combined $10,000, and anything above
that still gets a 20% bonus. You can claim the bonus more than once
until you reach the total cap of $10,500 USD. No special request is
needed, because XM adds the bonus to your account automatically and
right away. New and existing clients can both use it.
This guide
explains how the XM Deposit Bonus works, how to get it, and how to use
it well. It can increase your trading funds and give you more room to
manage risk. In practice, that means you may keep trading with bonus
credit even if your balance drops during a losing run. Whether you're
new to trading or already have experience, this article shows how to use
the bonus as part of your plan.
Contents
What Is the XM Deposit Bonus? Benefits and Eligibility
XM Deposit Bonus Overview
Deposit Bonus Calculation Examples
How the XM Deposit Bonus Works, Key Mechanics and Features
How to Claim the XM Deposit Bonus, Step by Step
Step 1, Register with XM
Step 2, Log In to the XM Members Area
Step 3, Deposit Funds into Your Trading Account
Step 4, Confirm Your Bonus
How to Check Your Remaining Deposit Bonus Allowance
About Resetting the XM Deposit Bonus
What Is a Deposit Bonus Reset?
Limited-Time Promotions Are Still Available Even Without a Bonus Reset
What to Do If You Haven't Received Your XM Deposit Bonus
Reason 1, You Deposited into an Ultra Low, Ultra Low Micro, or Shares Account
Reason 2, You Have Already Reached the Maximum Deposit Bonus Cap
Key Considerations for the XM Deposit Bonus
The XM Deposit Bonus Cannot Be Withdrawn
Bonus Is Reduced or Transferred Proportionally When Withdrawing or Transferring Funds
Bonus Will Be Forfeited After 90 Days of Account Inactivity
Latest XM Bonus Promotions
Frequently Asked Questions About the XM Deposit Bonus
What Is the XM Deposit Bonus? Benefits and Eligibility Conditions
XM's
Deposit Bonus is credited automatically when you make a deposit.
Depending on the deposit amount, you get a bonus between 100% and 20%,
and XM adds it directly to your MT4 or MT5 account. You don't need to
complete a separate application or meet a trading target. Just deposit,
and the bonus is added.
This bonus gives you more margin, so you
can open larger positions than your cash balance alone would allow. It
also gives you extra room to handle risk. You can receive up to $10,500
USD, or the equivalent, and claim it several times until you reach the
cap.
XM Deposit Bonus Overview
XM uses a three-tier bonus
system. The total bonus limit is $10,500 USD or the equivalent. The rate
changes as your cumulative deposits grow, starting with 100%, then 50%,
then 20%.
100% Deposit Bonus
The first bonus tier gives
you a bonus equal to your deposit amount. It applies to the first $500
USD, so a $500 deposit turns into $1,000 in total trading funds. This
tier is only available on Standard and Standard Micro accounts, and the
minimum deposit is $10 USD.
Bonus rate
100% of the deposit amount
Maximum bonus
$500 USD or equivalent
Eligible account types
Standard and Standard Micro accounts
Eligibility condition
Minimum deposit of $10 USD
When bonus is credited
Right after the deposit is made
50% Deposit Bonus
The
second tier applies after you reach the $500 cap on the 100% bonus. XM
gives you 50% of the deposit amount as bonus credit, up to $2,000 USD or
the equivalent. This tier is also available only on Standard and
Standard Micro accounts.
Bonus rate
50% of the deposit amount
Maximum bonus
$2,000 USD or equivalent
Eligible account types
Standard and Standard Micro accounts
Eligibility condition
Minimum deposit of $10 USD
When bonus is credited
Right after the deposit is made
20% Deposit Bonus
The
final tier applies after you reach the 50% bonus limit. XM adds 20% of
each later deposit as bonus credit, up to $8,000 USD or the equivalent.
This tier is also available on Standard and Standard Micro accounts.
Bonus rate
20% of the deposit amount
Maximum bonus
$8,000 USD or equivalent
Eligible account types
Standard and Standard Micro accounts
Eligibility condition
Minimum deposit of $10 USD
When bonus is credited
Right after the deposit is made
Once you hit the cap on the 20% bonus, you can request a reset of your deposit bonus allowance.
Important Notes on the Deposit Bonus
Ultra Low, Ultra Low Micro, and Shares accounts do not qualify for the deposit bonus.
You can check your remaining bonus allowance under "Available Bonus: $XXX" on the Home page in the XM Members Area.
The
deposit bonus has no fixed end date, but XM removes it if your account
has no trading or deposit and withdrawal activity for 90 days.
Deposit Bonus Calculation Examples
XM applies the bonus based on your total deposits. These examples show how the tiers work in real use.
Example 1, depositing $500 USD
If
you deposit $500, the 100% bonus applies to the full amount. You get a
$500 bonus on top of your $500 deposit, so your total available margin
is $1,000. That doubles your tradeable funds.
Example 2, depositing $1,000 USD
If
you deposit $1,000, XM splits the bonus across two tiers. The first
$500 gets a 100% bonus, which is $500. The next $500 gets a 50% bonus,
which is $250. Your total available margin becomes $1,750.
A key
point is that XM calculates the bonus using your cumulative deposits,
not just one deposit at a time. That means you can add funds in smaller
amounts and still get the right bonus rate based on your running total.
How the XM Deposit Bonus Works, Key Mechanics and Features
The XM Deposit Bonus is more than a simple promotion. It has a few rules that make it useful for active traders.
You Can Trade Using the Deposit Bonus Alone at XM
At
some brokers, bonuses are only for show. They don't count as usable
margin. At XM, the deposit bonus does count as real margin for live
trading.
So if your cash balance reaches zero, you may still keep
trading as long as bonus credit remains in your MT4 or MT5 account. In
other words, you don't have to close your positions the moment your
deposit is gone.
▶ View full details on all XM bonus promotions
The XM Deposit Bonus Applies to All Deposit Methods
XM
does not limit the bonus to one payment method. Bank transfer, Skrill,
cryptocurrency, and credit or debit card deposits all qualify.
That gives you more freedom to choose the method that works best for you while still getting the bonus.
▶ View full details on XM deposit methods
The Deposit Bonus Is Also Available on Additional Trading Accounts
You
can receive the bonus on extra trading accounts too, as long as you
stay within the total bonus cap. The cap applies per user account, not
per trading account. If you've already reached the $10,500 USD limit
under one user account, you won't get more bonus credit on another
account tied to the same profile.
That helps traders who use more than one account for different strategies or base currencies.
▶ Learn about the benefits of opening additional XM accounts
How to Claim the XM Deposit Bonus
Getting
the XM Deposit Bonus is simple. Deposit at least $10 USD into a
Standard or Standard Micro account, and XM adds the bonus automatically.
Here's how the process works.
Step 1, Register with XM
You need to open and verify an XM account first. If you already have one, you can skip this step.
Useful articles for XM registration and account opening
Step 2, Log In to the XM Members Area
Log in to the XM Members Area with your registered email address and password. The deposit process only takes a few minutes.
Step 3, Deposit Funds into Your Trading Account
After
you log in, choose one of XM's deposit methods, such as bank transfer,
Skrill, cryptocurrency, or credit or debit card. Follow the deposit
steps shown in the Members Area.
Please note that Ultra Low, Ultra Low Micro, and Shares accounts do not qualify for the deposit bonus.
Step 4, Confirm Your Bonus
After
the deposit is complete, the bonus appears automatically as "Credit" in
your trading account. You can check it in the XM Members Area, MT4 or
MT5, or the XM app.
View detailed instructions on checking your XM bonus balance
In
the XM Members Area, open "Account Overview", then select "Account
Details" from the blue circle menu next to the account you want to
review. The bonus amount appears in the account details window.
How to Check Your Remaining Deposit Bonus Allowance
The
bonus cap works like this, 100% bonus up to $500 USD or equivalent, 50%
bonus up to $2,000 USD or equivalent, and 20% bonus up to $8,000 USD or
equivalent. That gives you a total maximum bonus of $10,500 USD or
equivalent.
You can see your remaining allowance under "Available Bonus" on the "Account Overview" page in the XM Members Area.
About Resetting the XM Deposit Bonus
XM
limits the bonus to $10,500 USD or the equivalent. Even after you reach
that cap, you can ask for a reset and try to qualify again. To do that,
contact XM Customer Support and request a "Deposit Bonus Reset Review".
What Is a Deposit Bonus Reset?
Once
you have received the full $10,500 USD bonus, XM normally stops adding
more deposit bonus credit. If your reset request is approved, your bonus
allowance is restored, and you can claim the bonus again.
You
can't request a reset while you still have bonus allowance left. You
need to use the full cap before XM can review a reset request.
Limited-Time Promotions Are Still Available Even Without a Bonus Reset
XM also runs time-limited promotions from time to time. These offers are separate from the regular deposit bonus program.
That
means you may still get bonus credit or cash rewards even if you've
used up your standard deposit bonus. If a reset isn't approved, these
special offers can still give you another chance to earn a bonus.
What to Do If You Haven't Received Your XM Deposit Bonus
If
you made a deposit and didn't receive bonus credit, one of the common
eligibility rules was likely missed. These are the main reasons.
Reason 1, You Deposited into an Ultra Low, Ultra Low Micro, or Shares Account
The
deposit bonus is not available for Ultra Low, Ultra Low Micro, or
Shares accounts. If you deposit into one of those account types, you
won't receive bonus credit, no matter how much you deposit. To get the
bonus, deposit into a Standard or Standard Micro account.
Also, if
you move money from a bonus-bearing Standard or Standard Micro account
into a non-eligible account, XM cancels part of the bonus in line with
the transfer amount and account balance.
Reason 2, You Have Already Reached the Maximum Deposit Bonus Cap
If you already reached the $10,500 USD cap, XM won't add more bonus credit. Check your remaining deposit bonus allowance in the XM Members Area. If it shows "0", you've reached the limit.
To try again, contact XM Customer Support and ask for a Deposit Bonus Reset. If XM approves the review, you can receive the bonus again.
Key Considerations for the XM Deposit Bonus
The XM Deposit Bonus is useful, but the rules matter. If you understand them early, you can avoid surprises later.
The XM Deposit Bonus Cannot Be Withdrawn
You
can't withdraw the bonus itself. XM lists it as "Credit" and keeps it
separate from your deposited money and trading profit. Even so, you can
use it as trading margin.
▶ What Is XM Margin? How It Works and Key Features
Profits Earned Using the Deposit Bonus Can Be Withdrawn
While
the bonus is locked, profits made with that bonus can be withdrawn. If
your account has bonus credit and your trades earn a profit, you may
take out the profit part.
▶ View full details on XM withdrawal methods here
Bonus Is Reduced or Transferred Proportionally When Withdrawing or Transferring Funds
If
you withdraw money from an account that has bonus credit, XM reduces
the bonus by the same share as the withdrawal compared with the total
account balance.
Example: Bonus Reduction Upon Withdrawal
If an account has a $1,000 balance and a $500 bonus, and you withdraw $500, that is 50% of the balance.
XM cancels 50% of the bonus, so $250 is removed.
After the withdrawal, the balance is $500 and the bonus is $250, for a total available margin of $750.
That means withdrawals reduce your bonus and your available margin. Plan carefully before taking money out of a bonus account.
▶ View full details on how bonuses are handled during withdrawals here
The
same rule applies to internal transfers between XM accounts. The bonus
moves in proportion to the amount transferred. However, if you transfer
funds to an Ultra Low, Ultra Low Micro, or Shares account, XM cancels
the related bonus amount because those accounts do not qualify for the
deposit bonus. Once it's gone, it can't be restored by moving the money
back.
Bonus Will Be Forfeited After 90 Days of Account Inactivity
The
bonus doesn't expire on a set date, but XM removes it if your account
has no trading activity and no deposit or withdrawal activity for 90
straight days. You can end inactive status by trading or making a
deposit or withdrawal, but any bonus already cancelled won't return.
▶ More information on inactive accounts and account maintenance fees
Latest XM Bonus Promotions
XM's
promotions change from time to time. Check the latest offers on XM's
bonus pages if you want to see what is currently available.
Frequently Asked Questions About the XM Deposit Bonus
Here are the most common questions about the XM Deposit Bonus and how it works.
What are the eligibility conditions for the XM Deposit Bonus?
To
get the XM Deposit Bonus, deposit at least $10 USD into a Standard or
Standard Micro account. The first $500 gets a 100% bonus, the next
deposits up to $2,000 get a 50% bonus, and later deposits get a 20%
bonus until the total bonus reaches $10,500 USD. Ultra Low, Ultra Low
Micro, and Shares accounts are not eligible.
What is the cap on the 100% Deposit Bonus?
The
100% bonus is capped at $500 USD. If you deposit $500, XM adds another
$500, so your total trading funds become $1,000. After that, the 50% and
20% tiers apply.
How do I claim the XM Deposit Bonus?
The
bonus is added automatically when you deposit $10 USD or more into a
Standard or Standard Micro account. Once the deposit clears, XM credits
the bonus as Credit.
Can I withdraw the XM Deposit Bonus?
No,
the bonus itself can't be withdrawn. Profits made with it can be
withdrawn. If you take out funds from a bonus account, XM reduces the
bonus in proportion to the withdrawal amount.
Can I receive the deposit bonus on additional trading accounts?
Yes,
you can receive the bonus on additional trading accounts. The total cap
of $10,500 USD applies to the user account as a whole, so once you hit
that limit, no more bonus credit is added to any linked account.
Can the XM Deposit Bonus be reset?
Yes,
XM can review a reset request after you use the full cap. Contact XM
Customer Support and ask for a Deposit Bonus Reset Review. Approval is
not guaranteed.
Does the XM Deposit Bonus have an expiry date?
The
bonus has no fixed expiry date. However, XM removes it if the account
has no trading or deposit and withdrawal activity for 90 days or more.
Inactive accounts may also face a $10 USD monthly maintenance fee, and
any lost bonus can't be restored.
Which account types are eligible for the XM Deposit Bonus?
Only Standard and Standard Micro accounts qualify. Ultra Low, Ultra Low Micro, and Shares accounts do not.
Can I trade using only the deposit bonus?
Yes. At XM, you can keep trading as long as bonus credit remains in the account, even if your cash balance reaches zero.
Can you provide examples of how the XM Deposit Bonus is calculated?
Yes.
A $500 deposit gets a 100% bonus, so your total becomes $1,000. A
$1,000 deposit gets a 100% bonus on the first $500 and a 50% bonus on
the next $500, which gives you $1,750 in available margin.
What is the XM Limited-Time Deposit Bonus?
The
XM Limited-Time Deposit Bonus is a separate 100% deposit bonus offer
that appears from time to time. It is different from the standard
ongoing bonus, so you may still qualify even if you've already used your
regular 100% bonus.
The XM Deposit Bonus is added automatically
when you deposit at least $10 USD into a Standard or Standard Micro
account, and the total bonus can reach $10,500 USD. The rate depends on
your cumulative deposits, with 100% on the first $500, 50% on the next
$2,000, and 20% after that. You can't withdraw the bonus itself, but
profits made with it are withdrawable. You can also keep trading with
bonus credit even after your cash balance is gone. Still, withdrawals
reduce the bonus, and inactivity for 90 days leads to forfeiture. If you
know the rules, you can use the XM Deposit Bonus with more confidence
and plan your trades better.
Financial Licence and Legal Information
XM
is operated by XM Global Limited, registered with the Financial
Services Commission (FSC) of Belize under the Securities Industry Act
2021 (Licence No. 000261/27).
Risk Warning
Trading Forex and CFDs carries a high risk of losing your invested capital. Please read and fully understand XM's Risk Disclosure before trading.
Legal Documents of XM Global Limited
Company Name: XM Global Limited Address: XM Global Limited, 63 Eve St, Belize City, Belize Financial Instruments Trading Licence: Belize Financial Services Commission (FSC) Licence No. 000261/27
Complete Guide to the XM Deposit Bonus, What You Need to Know Before You Trade, including how it works, who can use it, and the main rules
Direct Link: 100% Forex Deposit Bonus
XM's Deposit Bonus, also called Credit, adds extra trading funds to your account when you deposit into a Standard or Standard Micro account. The first $500 you deposit gets a 100% bonus. After that, later deposits qualify for a 50% bonus up to a combined $10,000, and anything above that still gets a 20% bonus. You can claim the bonus more than once until you reach the total cap of $10,500 USD. No special request is needed, because XM adds the bonus to your account automatically and right away. New and existing clients can both use it.
This guide explains how the XM Deposit Bonus works, how to get it, and how to use it well. It can increase your trading funds and give you more room to manage risk. In practice, that means you may keep trading with bonus credit even if your balance drops during a losing run. Whether you're new to trading or already have experience, this article shows how to use the bonus as part of your plan.
Contents
What Is the XM Deposit Bonus? Benefits and Eligibility Conditions
XM's Deposit Bonus is credited automatically when you make a deposit. Depending on the deposit amount, you get a bonus between 100% and 20%, and XM adds it directly to your MT4 or MT5 account. You don't need to complete a separate application or meet a trading target. Just deposit, and the bonus is added.
This bonus gives you more margin, so you can open larger positions than your cash balance alone would allow. It also gives you extra room to handle risk. You can receive up to $10,500 USD, or the equivalent, and claim it several times until you reach the cap.
XM Deposit Bonus Overview
XM uses a three-tier bonus system. The total bonus limit is $10,500 USD or the equivalent. The rate changes as your cumulative deposits grow, starting with 100%, then 50%, then 20%.
100% Deposit Bonus
The first bonus tier gives you a bonus equal to your deposit amount. It applies to the first $500 USD, so a $500 deposit turns into $1,000 in total trading funds. This tier is only available on Standard and Standard Micro accounts, and the minimum deposit is $10 USD.
Bonus rate
100% of the deposit amount
Maximum bonus
$500 USD or equivalent
Eligible account types
Standard and Standard Micro accounts
Eligibility condition
Minimum deposit of $10 USD
When bonus is credited
Right after the deposit is made
50% Deposit Bonus
The second tier applies after you reach the $500 cap on the 100% bonus. XM gives you 50% of the deposit amount as bonus credit, up to $2,000 USD or the equivalent. This tier is also available only on Standard and Standard Micro accounts.
Bonus rate
50% of the deposit amount
Maximum bonus
$2,000 USD or equivalent
Eligible account types
Standard and Standard Micro accounts
Eligibility condition
Minimum deposit of $10 USD
When bonus is credited
Right after the deposit is made
20% Deposit Bonus
The final tier applies after you reach the 50% bonus limit. XM adds 20% of each later deposit as bonus credit, up to $8,000 USD or the equivalent. This tier is also available on Standard and Standard Micro accounts.
Bonus rate
20% of the deposit amount
Maximum bonus
$8,000 USD or equivalent
Eligible account types
Standard and Standard Micro accounts
Eligibility condition
Minimum deposit of $10 USD
When bonus is credited
Right after the deposit is made
Once you hit the cap on the 20% bonus, you can request a reset of your deposit bonus allowance.
Important Notes on the Deposit Bonus
Deposit Bonus Calculation Examples
XM applies the bonus based on your total deposits. These examples show how the tiers work in real use.
Example 1, depositing $500 USD
If you deposit $500, the 100% bonus applies to the full amount. You get a $500 bonus on top of your $500 deposit, so your total available margin is $1,000. That doubles your tradeable funds.
Example 2, depositing $1,000 USD
If you deposit $1,000, XM splits the bonus across two tiers. The first $500 gets a 100% bonus, which is $500. The next $500 gets a 50% bonus, which is $250. Your total available margin becomes $1,750.
A key point is that XM calculates the bonus using your cumulative deposits, not just one deposit at a time. That means you can add funds in smaller amounts and still get the right bonus rate based on your running total.
How the XM Deposit Bonus Works, Key Mechanics and Features
The XM Deposit Bonus is more than a simple promotion. It has a few rules that make it useful for active traders.
You Can Trade Using the Deposit Bonus Alone at XM
At some brokers, bonuses are only for show. They don't count as usable margin. At XM, the deposit bonus does count as real margin for live trading.
So if your cash balance reaches zero, you may still keep trading as long as bonus credit remains in your MT4 or MT5 account. In other words, you don't have to close your positions the moment your deposit is gone.
▶ View full details on all XM bonus promotions
The XM Deposit Bonus Applies to All Deposit Methods
XM does not limit the bonus to one payment method. Bank transfer, Skrill, cryptocurrency, and credit or debit card deposits all qualify.
That gives you more freedom to choose the method that works best for you while still getting the bonus.
▶ View full details on XM deposit methods
The Deposit Bonus Is Also Available on Additional Trading Accounts
You can receive the bonus on extra trading accounts too, as long as you stay within the total bonus cap. The cap applies per user account, not per trading account. If you've already reached the $10,500 USD limit under one user account, you won't get more bonus credit on another account tied to the same profile.
That helps traders who use more than one account for different strategies or base currencies.
▶ Learn about the benefits of opening additional XM accounts
How to Claim the XM Deposit Bonus
Getting the XM Deposit Bonus is simple. Deposit at least $10 USD into a Standard or Standard Micro account, and XM adds the bonus automatically. Here's how the process works.
Step 1, Register with XM
You need to open and verify an XM account first. If you already have one, you can skip this step.
Useful articles for XM registration and account opening
Step 2, Log In to the XM Members Area
Log in to the XM Members Area with your registered email address and password. The deposit process only takes a few minutes.
Step 3, Deposit Funds into Your Trading Account
After you log in, choose one of XM's deposit methods, such as bank transfer, Skrill, cryptocurrency, or credit or debit card. Follow the deposit steps shown in the Members Area.
Please note that Ultra Low, Ultra Low Micro, and Shares accounts do not qualify for the deposit bonus.
Step 4, Confirm Your Bonus
After the deposit is complete, the bonus appears automatically as "Credit" in your trading account. You can check it in the XM Members Area, MT4 or MT5, or the XM app.
View detailed instructions on checking your XM bonus balance
In the XM Members Area, open "Account Overview", then select "Account Details" from the blue circle menu next to the account you want to review. The bonus amount appears in the account details window.
How to Check Your Remaining Deposit Bonus Allowance
The bonus cap works like this, 100% bonus up to $500 USD or equivalent, 50% bonus up to $2,000 USD or equivalent, and 20% bonus up to $8,000 USD or equivalent. That gives you a total maximum bonus of $10,500 USD or equivalent.
You can see your remaining allowance under "Available Bonus" on the "Account Overview" page in the XM Members Area.
About Resetting the XM Deposit Bonus
XM limits the bonus to $10,500 USD or the equivalent. Even after you reach that cap, you can ask for a reset and try to qualify again. To do that, contact XM Customer Support and request a "Deposit Bonus Reset Review".
What Is a Deposit Bonus Reset?
Once you have received the full $10,500 USD bonus, XM normally stops adding more deposit bonus credit. If your reset request is approved, your bonus allowance is restored, and you can claim the bonus again.
You can't request a reset while you still have bonus allowance left. You need to use the full cap before XM can review a reset request.
Limited-Time Promotions Are Still Available Even Without a Bonus Reset
XM also runs time-limited promotions from time to time. These offers are separate from the regular deposit bonus program.
That means you may still get bonus credit or cash rewards even if you've used up your standard deposit bonus. If a reset isn't approved, these special offers can still give you another chance to earn a bonus.
What to Do If You Haven't Received Your XM Deposit Bonus
If you made a deposit and didn't receive bonus credit, one of the common eligibility rules was likely missed. These are the main reasons.
Reason 1, You Deposited into an Ultra Low, Ultra Low Micro, or Shares Account
The deposit bonus is not available for Ultra Low, Ultra Low Micro, or Shares accounts. If you deposit into one of those account types, you won't receive bonus credit, no matter how much you deposit. To get the bonus, deposit into a Standard or Standard Micro account.
Also, if you move money from a bonus-bearing Standard or Standard Micro account into a non-eligible account, XM cancels part of the bonus in line with the transfer amount and account balance.
Reason 2, You Have Already Reached the Maximum Deposit Bonus Cap
If you already reached the $10,500 USD cap, XM won't add more bonus credit. Check your remaining deposit bonus allowance in the XM Members Area. If it shows "0", you've reached the limit.
To try again, contact XM Customer Support and ask for a Deposit Bonus Reset. If XM approves the review, you can receive the bonus again.
Key Considerations for the XM Deposit Bonus
The XM Deposit Bonus is useful, but the rules matter. If you understand them early, you can avoid surprises later.
The XM Deposit Bonus Cannot Be Withdrawn
You can't withdraw the bonus itself. XM lists it as "Credit" and keeps it separate from your deposited money and trading profit. Even so, you can use it as trading margin.
▶ What Is XM Margin? How It Works and Key Features
Profits Earned Using the Deposit Bonus Can Be Withdrawn
While the bonus is locked, profits made with that bonus can be withdrawn. If your account has bonus credit and your trades earn a profit, you may take out the profit part.
▶ View full details on XM withdrawal methods here
Bonus Is Reduced or Transferred Proportionally When Withdrawing or Transferring Funds
If you withdraw money from an account that has bonus credit, XM reduces the bonus by the same share as the withdrawal compared with the total account balance.
Example: Bonus Reduction Upon Withdrawal
If an account has a $1,000 balance and a $500 bonus, and you withdraw $500, that is 50% of the balance.
That means withdrawals reduce your bonus and your available margin. Plan carefully before taking money out of a bonus account.
▶ View full details on how bonuses are handled during withdrawals here
The same rule applies to internal transfers between XM accounts. The bonus moves in proportion to the amount transferred. However, if you transfer funds to an Ultra Low, Ultra Low Micro, or Shares account, XM cancels the related bonus amount because those accounts do not qualify for the deposit bonus. Once it's gone, it can't be restored by moving the money back.
Bonus Will Be Forfeited After 90 Days of Account Inactivity
The bonus doesn't expire on a set date, but XM removes it if your account has no trading activity and no deposit or withdrawal activity for 90 straight days. You can end inactive status by trading or making a deposit or withdrawal, but any bonus already cancelled won't return.
▶ More information on inactive accounts and account maintenance fees
Latest XM Bonus Promotions
XM's promotions change from time to time. Check the latest offers on XM's bonus pages if you want to see what is currently available.
Frequently Asked Questions About the XM Deposit Bonus
Here are the most common questions about the XM Deposit Bonus and how it works.
What are the eligibility conditions for the XM Deposit Bonus?
To get the XM Deposit Bonus, deposit at least $10 USD into a Standard or Standard Micro account. The first $500 gets a 100% bonus, the next deposits up to $2,000 get a 50% bonus, and later deposits get a 20% bonus until the total bonus reaches $10,500 USD. Ultra Low, Ultra Low Micro, and Shares accounts are not eligible.
What is the cap on the 100% Deposit Bonus?
The 100% bonus is capped at $500 USD. If you deposit $500, XM adds another $500, so your total trading funds become $1,000. After that, the 50% and 20% tiers apply.
How do I claim the XM Deposit Bonus?
The bonus is added automatically when you deposit $10 USD or more into a Standard or Standard Micro account. Once the deposit clears, XM credits the bonus as Credit.
Can I withdraw the XM Deposit Bonus?
No, the bonus itself can't be withdrawn. Profits made with it can be withdrawn. If you take out funds from a bonus account, XM reduces the bonus in proportion to the withdrawal amount.
Can I receive the deposit bonus on additional trading accounts?
Yes, you can receive the bonus on additional trading accounts. The total cap of $10,500 USD applies to the user account as a whole, so once you hit that limit, no more bonus credit is added to any linked account.
Can the XM Deposit Bonus be reset?
Yes, XM can review a reset request after you use the full cap. Contact XM Customer Support and ask for a Deposit Bonus Reset Review. Approval is not guaranteed.
Does the XM Deposit Bonus have an expiry date?
The bonus has no fixed expiry date. However, XM removes it if the account has no trading or deposit and withdrawal activity for 90 days or more. Inactive accounts may also face a $10 USD monthly maintenance fee, and any lost bonus can't be restored.
Which account types are eligible for the XM Deposit Bonus?
Only Standard and Standard Micro accounts qualify. Ultra Low, Ultra Low Micro, and Shares accounts do not.
Can I trade using only the deposit bonus?
Yes. At XM, you can keep trading as long as bonus credit remains in the account, even if your cash balance reaches zero.
Can you provide examples of how the XM Deposit Bonus is calculated?
Yes. A $500 deposit gets a 100% bonus, so your total becomes $1,000. A $1,000 deposit gets a 100% bonus on the first $500 and a 50% bonus on the next $500, which gives you $1,750 in available margin.
What is the XM Limited-Time Deposit Bonus?
The XM Limited-Time Deposit Bonus is a separate 100% deposit bonus offer that appears from time to time. It is different from the standard ongoing bonus, so you may still qualify even if you've already used your regular 100% bonus.
The XM Deposit Bonus is added automatically when you deposit at least $10 USD into a Standard or Standard Micro account, and the total bonus can reach $10,500 USD. The rate depends on your cumulative deposits, with 100% on the first $500, 50% on the next $2,000, and 20% after that. You can't withdraw the bonus itself, but profits made with it are withdrawable. You can also keep trading with bonus credit even after your cash balance is gone. Still, withdrawals reduce the bonus, and inactivity for 90 days leads to forfeiture. If you know the rules, you can use the XM Deposit Bonus with more confidence and plan your trades better.
Financial Licence and Legal Information
XM is operated by XM Global Limited, registered with the Financial Services Commission (FSC) of Belize under the Securities Industry Act 2021 (Licence No. 000261/27).
Risk Warning
Trading Forex and CFDs carries a high risk of losing your invested capital. Please read and fully understand XM's Risk Disclosure before trading.
Legal Documents of XM Global Limited
Company Name: XM Global Limited
Address: XM Global Limited, 63 Eve St, Belize City, Belize
Financial Instruments Trading Licence: Belize Financial Services Commission (FSC) Licence No. 000261/27