XM inactivity fee: quick answer
| Question | Short answer | What to verify |
|---|---|---|
| Does XM charge an inactivity fee? | XM documents reviewed by Clarytrade show a dormant-account fee. | Check the current client agreement for your entity. |
| How much is it? | $10/month in reviewed documents. | Confirm the latest fee schedule before funding. |
| When can it apply? | After 90 days of inactivity in reviewed documents. | Confirm activity definition and entity terms. |
| Is this the same as account termination? | No. Termination timing can be separate from monthly inactivity charges. | Read both fee and dormant-account sections. |
When does the XM inactivity fee apply?
In the XM legal documents we read first-hand — the CySEC entity's costs-and-charges disclosure and the offshore entity's client agreement — the trigger is 90 calendar dayswith no trading, deposits or withdrawals. At that point the account is archived and becomes "dormant", and the monthly fee starts. Two details worth knowing from the same documents: the activity clock runs from your last trade, deposit or withdrawal (logging in alone doesn't reset it, per the policy wording), and accounts that were never fundedcan be archived sooner — after 60 days under the offshore entity's terms.
How much is the XM inactivity fee?
$10 per monthin the documents we reviewed — identical wording in both the CySEC and offshore entities' terms. Two softeners in the same clauses: if your free balance is under $10, the fee is the remaining balance (it doesn't go negative), and a zero-balance account is not charged at all. Some third-party sites still repeat outdated figures (a "$15 after 12 months" version circulates); the primary documents we read say $10/month after 90 days — and our own database was corrected against them too.
XM dormant account vs terminated account
These are two different clauses, and mixing them up is where most confusion (and the outdated figures) come from. Dormancy starts at 90 days and brings the monthly fee. Terminationis separate: the offshore entity's client agreement states XM may terminate the agreement for accounts inactive for twelve months. Termination ends the relationship — it is not an extra fee — and any remaining balance is handled under the agreement's closure terms. Read both sections in the current agreement rather than either figure alone.
How to avoid an inactivity fee
- Any trade, deposit or withdrawal resets the 90-day clock — one small action inside the window avoids dormancy entirely.
- Planning a long break? Withdrawing your balance first is the clean exit: a zero-balance account is not charged, per the reviewed terms.
- Don't rely on logins — the policy wording counts trading and balance operations, not sessions.
- If an account has already gone dormant, check the balance before assuming the worst: the fee stops at zero and support can confirm the reactivation path.
What to check in the XM client agreement
Help pages summarise; the client agreement for your legal entity is what binds. Before funding, confirm four things in the current version: the dormancy trigger period and fee amount (terms can change after our review date), the exact definition of "activity" used, the archiving rules for unfunded accounts, and the separate twelve-month termination clause. XM operates through several entities (ASIC, CySEC, DFSA, FSC) — the dormancy wording we reviewed was identical across the two entities we read, but the agreement you accept is entity-specific, so verify yours. Our entity checker shows which XM entity likely applies to your country.
XM fees beyond inactivity
The dormancy charge is only one line in XM's cost picture: spreads (spread-only on Standard/Micro), commission on the XM Zero account, swaps on overnight positions, and named administrative fees (third-party-deposit handling, chargeback research). The full breakdown with the verified figures lives in the XM fees & charges guide.
Compare XM fees with other brokers
Dormancy policies are a genuine differentiator: Exness, for example, states it charges no inactivity fee at all — see the Exness fees guide for the contrast. Compare brokers available in your country by all-in cost, or start from the XM scan page and full XM review for the complete pre-deposit picture.