Check your inactivity timeline
Use the legal company on your agreement. This aid uses the Cyprus agreement read on 19 September 2026 and the Belize terms last read on 21 August 2026. It calculates calendar days, not fees owed.
Entries stay in this page and are not saved. With analytics consent, we count tool use without recording your entries or result. If taking a break, ask support about withdrawing remaining funds or closing the account; do not place trades just to reset a timer.
Worked verification · Edited
Worked example: reading XM’s dormancy clause
An XM account has been unused for 90 days. Does that alone tell you its fee, status or legal company?
Identify the agreement
The current Cyprus agreement names Trading Point of Financial Instruments Ltd, CySEC 120/10, in section 1. This example applies to that company; the XM brand alone does not establish which terms govern an account.
Read the trigger and balance exception together
Clauses 61.1 and 61.3 set out the 90-day inactivity trigger and USD 10 monthly fee, capped at the free balance; zero free balance attracts no fee. Trading, withdrawals, deposits and internal transfers are listed activities. Login is not listed.
Check archiving separately
Clause 61.3 links archiving to implementation of dormant fees. Clause 61.4 also covers accounts below USD 5 after 90 days without activity. A fee rule is therefore not a reliable account-status checker.
What this establishes: Use the timeline tool to count days, then confirm the actual account state and any charge with XM. Do not place a trade solely to reset the timer.
This is a document-reading example, not a test of a live customer account. Belize and other XM entities require their own agreements; this Cyprus read does not update their source dates.
Sources and check dates
- XM Cyprus client agreement · Read
Company identity: section 1; Dormant and Archiving Policy: clauses 61.1–61.4, PDF page 52.
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 client agreement (clause 61.1) 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
- The reviewed terms count trading, deposits, withdrawals and internal transfers as activity. Do not trade solely to reset the timer; ask support about withdrawal or account closure if you are taking a break.
- Planning a long break? Ask support how to withdraw available funds or close the account, including how open positions and pending orders are handled. The reviewed fee does not apply to a zero free balance. Check withdrawal costs in the XM withdrawal fees guide and confirm them with support.
- 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 under the reviewed Belize terms.
- A zero free balance attracts no dormancy fee. Archiving has separate conditions in the agreement; support should confirm the account's actual state and any 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, CMA) — 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) | Client agreement, clauses 61.1–61.4 | $10/month after 90 days; no charge at zero free balance | 19 Sept 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 | Help centre: no fee; Key Facts reserves activity-dependent charges. Check your agreement. |
| 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's help centre states no inactivity fee, but its Key Facts Statement reserves activity-dependent charges. See the Exness fees guide for both sources, read on 8 October 2026, and check your own agreement. 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.