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 days with no trading, deposits, withdrawals or internal transfers (the Belize agreement's clause 79.1 names all four). At that point the account is regarded as dormant and the monthly fee starts. Two details worth knowing from the same documents: the activity clock runs from your last trade or balance operation — logging in alone does not reset it — and accounts that were never funded can be archived sooner, after 60 days under the offshore entity's terms.
How much is the XM inactivity fee?
The XM inactivity fee is $10 per month — identical wording in both the CySEC and offshore entities' documents we reviewed. 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.
Search results circulate several conflicting figures for this fee. Here is how each one compares against the primary documents we read:
| Figure circulating | In the documents we read? | Notes |
|---|---|---|
| $10/month after 90 days | Yes — stated in both the CySEC cost disclosure and the Belize client agreement. | The figure Clarytrade verified first-hand on 10 Jul 2026. |
| $15 after 12 months | No. | Outdated figure still repeated on some sites (our own database once carried it — corrected 10 Jul 2026). Twelve months relates to agreement termination, not a monthly fee. |
| $5/month | No — not in the current documents. | We re-read both entity documents on 21 Aug 2026; both state $10/month. Older third-party pages (and search-engine summaries blending them) still repeat $5 — verify against the current agreement, not a cached review. |
What happens to XM bonuses on a dormant account?
This is the clause almost no fee page covers, and it matters more than the fee itself if you trade with promotions. The Belize client agreement's Dormant and Archiving Policy states verbatim: "All remaining bonuses / promotion credits will be automatically removed from dormant Accounts. In addition, any pending orders may be deleted." In plain terms: go quiet for 90 days and the fee is the smaller problem — any bonus balance is gone and resting orders can be cancelled. If you hold XM promotion credits, the 90-day clock is effectively a use-it-or-lose-it deadline.
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. Termination is separate: in the documents we reviewed, twelve months of full inactivity can trigger termination of the client agreement. 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, withdrawal or internal transfer 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. Check what that final withdrawal itself costs in the XM withdrawal fees guide before you send it.
- Don't rely on logins — the policy wording counts trading and balance operations, not sessions.
- Using bonuses or promotion credits? Treat the 90-day clock as a hard deadline: dormancy removes remaining bonus credits automatically, per the client agreement.
- If an account has already gone dormant, check the balance before assuming the worst: the fee stops at zero (the account is then archived) 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 entity | Document read by Clarytrade | Figure found | Checked |
|---|---|---|---|
| Trading Point of Financial Instruments Ltd (CySEC) | Costs-and-charges disclosure, §3.1.4 | $10/month after 90 days | 21 Aug 2026 |
| XM Global Ltd (Belize) | Client agreement, clause 79 | $10/month after 90 days | 21 Aug 2026 |
| Other XM entities (e.g. ASIC, DFSA) | Not yet read first-hand | — verify the agreement you sign | — |
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.
XM inactivity fee vs other brokers
Dormancy policies are a genuine differentiator between brokers. These figures come from our own research records for each broker (from their published terms — always verify the current agreement for your entity):
| Broker | Inactivity fee in our records |
|---|---|
| XM | $10/month after 90 days inactive |
| Exness | None in our records |
| Pepperstone | None in our records |
| IC Markets | None in our records |
| Fusion Markets | None advertised — verify your entity's client agreement |
| FXTM | $5/mo after 6 months |
| Vantage Markets | None in our records |
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.