XM Minimum Deposit by Account Type — and What You Can Trade With It
Short answer: XM's account-types page lists a minimum deposit of $5 for the Standard and Ultra Low accounts and $10,000 for the Shares account (checked 7 Oct 2026). With $5 you can open trades from the smallest size, 0.01 lot. Minimums can differ by payment method and country — check the deposit page in your Members Area. Cashback with official XM partner code CBT90 also starts at 0.01 lot, and there is no minimum deposit requirement on our side.
XM minimum deposit by account type
These are the figures shown on XM's own account-types page when we checked it on 7 October 2026. The page belongs to XM Global Limited (FSC Belize). XM can change them at any time, so confirm before you deposit.
| XM account | Minimum deposit (XM page, 7 Oct 2026) | Cashback with CBT90 |
|---|---|---|
| Standard | $5 | Yes — e.g. $9.00 per lot of Gold |
| Ultra Low | $5 | Yes — e.g. $3.70 per lot of GOLD# |
| Shares | $10,000 | Rate not published — ask us |
| Micro / Ultra Low Micro | Not listed on that page — check your Members Area | Micro uses the Standard rate table · Ultra Low Micro: ask us |
If your account currency is not USD, XM shows the equivalent amount in your deposit currency. Minimums can also differ by payment method and country: the deposit page in your Members Area shows the limit for each method available to you. XM Global does not offer a Zero account, so there is no Zero minimum to quote here. Each account type is compared in XM account types and cashback.
What can you trade with a $5 deposit?
The smallest trade size on XM is 0.01 lot. On a Standard or Ultra Low account that is 1,000 units of a Forex pair or 1 ounce of Gold. Here is what a price move is worth at that size:
| Trade at 0.01 lot | Value of a move | Move that equals $5 |
|---|---|---|
| EURUSD (1,000 euros) | about $0.10 per pip | about 50 pips |
| Gold / XAUUSD (1 oz) | $1 per $1.00 change in price | a $5 change in the Gold price |
So a $5 balance is enough to open a 0.01 lot trade, but it does not leave much room. About 50 pips against you on EURUSD, or a $5 move in Gold, would take the whole balance — and positions can be closed automatically even earlier when margin runs low. Spreads and swaps also come out of the same balance. How lot sizes scale is explained in XM lot size.
Do you need a minimum deposit to get cashback?
No. CashBackXM sets no minimum deposit. Cashback depends on closed volume, not on account balance. It starts at 0.01 lot, has no cap and is credited by XM to your MyWallet the next day. Your spreads and trading conditions stay the same. Rates for accounts opened with partner code CBT90:
| Symbol (account) | 1.00 lot | 0.10 lot | 0.01 lot |
|---|---|---|---|
| GOLD / XAUUSD (Standard) | $9.00 | $0.90 | $0.09 |
| EURUSD (Standard) | $4.80 | $0.48 | $0.048 |
| GOLD# (Ultra Low) | $3.70 | $0.37 | $0.037 |
| EURUSD# (Ultra Low) | $1.80 | $0.18 | $0.018 |
Every pair is on the rates table.
Worked example: small trades still count
A trader on a small Standard account closes five 0.01 lot Gold trades a day for 20 trading days. That is 100 trades and 1.00 lot in total, so XM credits $9.00 to MyWallet over the month. The same volume on EURUSD returns $4.80, and on GOLD# (Ultra Low) $3.70. This shows how volume adds up. It is not a forecast of what you will trade, and cashback does not cover trading losses. Try your own numbers in the cashback calculator.
The risk of a small balance with high leverage
A low minimum deposit makes it easy to start, not safe to trade. XM offers high leverage, so a small deposit can control a position far larger than the balance. That works both ways: a short move against you can wipe out a small account in minutes. XM states that all its accounts offer negative balance protection, but the money you deposit is still fully at risk. Many traders start at 0.01 lot, use a stop-loss and only deposit money they can afford to lose. Leverage and margin are explained in XM leverage.
What does not earn cashback
Under XM's partner terms, some volume does not count, whatever the deposit size:
- Trades that last 3 minutes or less.
- Positions closed with "close by" or "multiple close by".
- Trades whose margin is funded by a bonus — cashback is reduced in proportion. Details: XM bonus vs cashback.
- Churning (trading only to generate volume).
Deposit methods, processing times and withdrawal rules are in XM deposit and withdrawal.
How to get cashback from your first deposit
- Open an XM account with official XM partner code CBT90 in the partner code field. Step-by-step guide →
- Choose Standard for the higher per-lot rate, or Ultra Low for tighter spreads.
- Verify your account and deposit with any method XM offers in your country.
- Trade any size from 0.01 lot. Cashback for each closed lot is credited to your MyWallet the next day — nothing to claim.
Already have an XM account without a partner code? In almost every case it cannot be moved to CBT90 — ask XM support. See changing your XM partner code.
CashBackXM is an independent cashback service and an official XM partner (code CBT90). We are not XM and never hold your funds; XM credits the cashback directly to your own MyWallet. Minimum deposits are set by XM and can change. Trading CFDs on leverage carries a high risk of loss. Cashback lowers your cost per lot but does not change the risk of any trade.
No minimum deposit for cashback.
Open your XM account under official XM partner code CBT90 — cashback from 0.01 lot, credited to your MyWallet the next day.
XM minimum deposit — questions traders ask
What is the minimum deposit at XM?
XM's account-types page lists $5 for the Standard and Ultra Low accounts and $10,000 for the Shares account (checked 7 October 2026). XM can change these figures, so confirm them before you deposit.
Is the XM minimum deposit the same for every payment method?
Not always. Minimums can differ by payment method and country. The deposit page in your XM Members Area shows the limit for each method available to you. If your account currency is not USD, XM shows the equivalent amount.
What is the minimum deposit for an XM Micro account?
XM's public account-types page does not list a separate figure for Micro or Ultra Low Micro accounts. Check the deposit page in your Members Area after you open the account.
What can I trade with $5 on XM?
You can open trades from 0.01 lot — 1,000 units of a Forex pair or 1 ounce of Gold. At that size, about 50 pips against you on EURUSD or a $5 move in Gold would use up a $5 balance, so the margin for error is very small.
Do I need a minimum deposit to get cashback with CBT90?
No. CashBackXM has no minimum deposit. Cashback is based on closed volume from 0.01 lot: $0.09 per 0.01 lot of Gold and $0.048 per 0.01 lot of EURUSD on a Standard account, credited to MyWallet the next day.