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Tested with real money by our research desk: bonus terms verified, payouts timed, licensing checked. Here is everything you need to decide if XM deserves your bankroll.
Score verified by our research desk. Terms apply. 21+ (18+ in some regions). Please gamble responsibly.
XM is a forex and CFD broker founded in 2009 — 17 years in operation — and currently holds a 8/10 composite score in our audit, based on real-money testing across account opening, deposits, platform quality, and timed withdrawals.
XM offers Forex, CFDs, 1,000+ instruments, minimum deposit $5, with withdrawals processed in 1 day during testing. Our forex audits measure raw spread cost plus commission across the EUR/USD, GBP/USD, and gold markets at London-New York overlap.
Regulation: CySEC, ASIC, IFSC. Leverage limits vary by entity — EU/UK retail accounts cap at 1:30 while offshore entities offer higher leverage with correspondingly higher risk. Know which entity you are signing with.
Current welcome offer: $30 No-Deposit Bonus. We verify offer terms on every re-audit; the version above was confirmed in July 2026.
Before claiming, check three numbers in the terms: the rollover multiplier (how much you must wager before withdrawing), the minimum odds restriction on qualifying bets, and the expiry window. Run any deposit-match offer through our Bonus Rollover Calculator on the Sports Betting hub to see the real wagering target — a big headline number with a heavy rollover is often worth less than a small instant-bonus offer.
In our most recent payout trials, XM processed withdrawals in 1 day via its fastest supported method. Minimum deposit starts at $5.
Two habits keep cashouts fast anywhere: withdraw to the same method you deposited with (mismatches trigger manual review), and submit requests on weekday mornings when fiat rails batch-process during banking hours.
At 8/10, XM is a solid, dependable choice with genuine strengths. Its defining strength is micro accounts and education.