XM Account Types: Which One Suits You Best?

5 views

Skip to first unread message

Qyinh Physel

unread,

Jul 22, 2025, 5:30:16 AM7/22/25

to Physel Qyinh

With multiple trading account types available, XM caters to traders from every experience level. Whether you're a novice taking your first steps in the markets or a seasoned professional managing large capital, choosing the right account type is crucial to your trading success.

In this guide, we’ll break down each XM account type, compare their features, and help you decide which one best suits your trading style, goals, and risk appetite.

Overview of XM’s Account Offering

XM is one of the most well-known forex and CFD brokers in the world, offering a wide range of instruments, competitive trading conditions, and multiple platform choices. But one of its most user-friendly features is its variety of trading accounts, each tailored to meet the needs of different trader profiles.

At the core of XM's account structure are four main account types:

Micro Account
Standard Account
XM Ultra Low Account
Shares Account

While all accounts give you access to more than 1,000 trading instruments (including Forex, commodities, indices, metals, and stocks), they differ in key areas like minimum deposit, lot size, spread conditions, commission structure, and intended use.

Selecting the right account type is more than just looking at the lowest spread or highest leverage. It’s about finding the right balance between cost, flexibility, trading style, and risk control. Let’s dive into the details.

Key Features of Each Account Type

Each XM account type comes with its own set of features tailored to different trading preferences. We’ll break down these key features to help you choose the account that best meets your needs.

Micro Account

The Micro Account is specifically designed for new traders or those who want to trade smaller volumes.

Minimum Deposit: $5
Lot Size: 1 micro lot = 1,000 units
Spreads: From 1 pip
Commission: No commission
Leverage: Up to 1:1000 (varies by region)
Platforms Supported: MT4, MT5

This account type makes it easy to test trading in a real market environment without risking large sums. It’s ideal if you want to experience live trading while maintaining conservative risk management.

Standard Account

This is XM’s default trading account, offering standard conditions suitable for intermediate or experienced traders.

Minimum Deposit: $5
Lot Size: 1 standard lot = 100,000 units
Spreads: From 1 pip
Commission: No commission
Leverage: Up to 1:1000
Platforms Supported: MT4, MT5

The Standard Account is ideal for traders looking to scale their trading strategies without commissions and with decent spreads. It's a great bridge between Micro trading and high-volume professional setups.

XM Ultra Low Account

The Ultra Low Account was introduced to offer even tighter spreads without increasing trading costs through commissions.

Minimum Deposit: $5
Lot Size: Depends on subtype (Micro or Standard)
Spreads: From 0.6 pips
Commission: None
Leverage: Up to 1:1000
Platforms Supported: MT4, MT5

Ultra Low accounts are particularly useful for traders using scalping or high-frequency strategies where tighter spreads directly affect profitability. This is one of XM’s most popular account types for good reason—it reduces spread-related costs without introducing commissions.

Shares Account

Unlike the other accounts, the Shares Account is designed for trading actual stocks, not CFDs or leveraged products.

Minimum Deposit: $10,000
Lot Size: 1 share
Spreads: Market-based (variable)
Commission: Yes (varies by stock exchange)
Leverage: None (1:1)
Platforms Supported: MT5 only

If you’re more of a long-term investor rather than an active day trader, and you’re interested in owning shares of companies like Apple, Google, or Tesla, this account gives you direct market access (DMA) through XM.

When to Choose Each Account Type

Each XM account is tailored for specific trading goals and trader profiles. Below is a simplified guideline to help you match your trading preferences with the right account.

Choose Micro Account if: You’re just getting started, want to trade very small lot sizes, or test strategies in a low-risk environment.
Choose Standard Account if: You’ve gained confidence and experience, and now want to scale up without commissions or micro lot constraints.
Choose Ultra Low Account if: You’re actively trading, spread-conscious, or using strategies like scalping or day trading that depend on tight spreads.
Choose Shares Account if: You prefer investing in real shares for the long term and have significant capital. This is for stock market-focused investors who don’t need leverage.

Factors to Consider Before Choosing Your XM Account

Before settling on an account type, consider the following factors:

Your Trading Goals

Are you looking to make a few trades a month, or do you plan on trading actively each day? If you’re casual, the Micro or Standard Account is enough. But if you plan to trade full-time or rely on trading for income, Ultra Low or Shares Account may be more appropriate.

Capital Availability

The minimum deposit for most XM accounts is just $5, which is very accessible. But if you want to trade shares, you’ll need at least $10,000. Also, higher volume strategies often require more capital to withstand market fluctuations.

Risk Appetite

Micro lots reduce risk exposure, while standard lots increase it. Consider your risk tolerance carefully, especially when applying high leverage.

Preferred Instruments

If you only trade forex and CFDs, Micro, Standard, and Ultra Low will work. If you want access to real shares, Shares Account is the only choice.

Spreads vs. Commissions

All accounts except the Shares Account are commission-free. But spreads vary. If you need lower spreads for tight-stop strategies, the Ultra Low Account is the best value.

XM offers account types designed to meet a wide range of trader needs from beginners to advanced investors. Before deciding, take into account your trading goals, budget, and style. The right account can make your trading experience smoother, more cost-effective, and better aligned with your strategies. Explore each option carefully and choose the one that will help you thrive in the markets with XM.

Contact information:

Email: physe...@gmail.com
Tags: Physel Qyinh, Chuyên gia bình luận game Physel Qyinh, Bình luận viên Physel Qyinh, Thể thao trực tuyến
Hashtag: #physelqyinh #chuyengiabinhluangamephyselqyinh #binhluanvienphyselqyinh #thethaotructuyen