Pick the XM Account That
Fits How You Trade
Three account types. One thing in common: $5 minimum deposit, 1,400+ instruments, and full access to XM MT4 and MT5. The difference is in how costs are structured — choose based on your style and volume.
XM Account Types — Side by Side
Every spec, every feature, every difference between XM Ultra Low, XM Zero, and XM Standard accounts. All include the same $5 XM minimum deposit.
What Each XM Account Actually Means
A straight-talking breakdown of the XM Ultra Low, XM Zero, and XM Standard accounts — who they're for and when each one makes sense.
XM Ultra Low Account
"Tight spreads, no commission — the most straightforward cost structure."
Ultra Low is what it sounds like. Spreads start at 0.6 pips with zero commission on every trade. If you trade standard lots or anything above micro size, this is usually the most cost-efficient option from XM. No catches.
- Best for: day trading, swing trading, semi-active strategies
- Scalping fully permitted — no restrictions
- Expert Advisors (EAs) fully supported
- Hedging allowed across instruments
- Swap-free (Islamic) version available
- Negative balance protection included
Verdict: If you're unsure which account to pick, start here. Lowest cost for most trading styles.
XM Zero Account
"Zero spreads on majors. Fixed per-lot commissions. Built for precision."
The Zero Account gets you spreads as low as 0.0 pips on EUR/USD and other major pairs — in exchange for a $3.5/lot commission per side ($7 round-trip). If you're running high-frequency strategies, large lot sizes, or algo systems where spread width matters more than commission, this is your account.
- Best for: algo trading, high-frequency trading, large lot traders
- Raw institutional-style spreads on major pairs
- All 6 order types supported in MT5
- EAs and automated strategies fully supported
- Hedging allowed, scalping allowed
- Negative balance protection included
Verdict: For traders who need the tightest possible spreads and can absorb the per-lot cost.
XM Standard Account
"No commission, no complexity — the cleanest entry into XM trading."
The XM Standard Account keeps it simple: wider spreads (from 1.6 pips) but zero commission, ever. Everything is built into the spread. If you're newer to trading, doing lower-frequency trades, or just want to learn without worrying about commission calculations, Standard is the uncomplicated choice.
- Best for: beginners, casual traders, position traders
- All costs are in the spread — nothing hidden
- Full access to XM educational resources
- MT4, MT5, WebTrader and mobile all included
- Scalping and EA trading allowed
- Negative balance protection included
Verdict: Start here if you want to learn the ropes without thinking about commission math.
See Exactly What Each Trade Costs You
Pick your XM account type, the instrument, and your lot size — see the spread cost, commission, and total per-trade cost in real time.
Per 1.00 lot(s), open + close
vs. Other Accounts
Opening an XM Ultra Low Account costs you $6.00 per 1.00 lot round-trip on EUR/USD
Indicative costs based on typical trading conditions. Actual spreads may vary.
Calculations are indicative only. Spreads, commissions and costs shown are estimates based on typical conditions. Actual trading costs may differ depending on market volatility and liquidity. Past performance does not guarantee future results.
XM Account Types — Common Questions
Everything about XM minimum deposit, XM Ultra Low, XM Zero, XM Standard, and XM demo accounts.
What are the XM account types available?
XM offers three account types: XM Ultra Low Account (most popular — spreads from 0.6 pips, $0 commission), XM Zero Account (spreads from 0.0 pips, $3.5/lot commission per side), and XM Standard Account (spreads from 1.6 pips, $0 commission). All three have the same $5 XM minimum deposit.
What is the XM minimum deposit?
What is the XM Ultra Low Account and who is it for?
What is the XM Zero Account?
What is the XM Standard Account?
What is the difference between XM Ultra Low and XM Zero?
Is there an XM demo account? Is it free?
Can I open multiple XM account types?
What leverage does XM offer?
Are all XM account types available on MT4 and MT5?
Risk Warning: 74.48% of retail investor accounts lose money when trading CFDs with XM.