Terms vary by promotion, but XM's official general deposit trading bonus scheme uses a 50% match up to $500, then a 20% match up to $4,500, for a $5,000 total trading-bonus cap. The bonus is trading credit, not cash, and is not directly withdrawable.
Direct answer
XM’s deposit bonuses are structured as match credit, not cash. Under the official general scheme, eligible deposits receive 50% trading bonus up to a $500 bonus cap and 20% trading bonus on later qualifying deposits up to a further $4,500 bonus cap. The credit acts as margin and is not directly withdrawable; withdrawing funds causes proportional removal of remaining bonus credit.
New 2026 deposit bonus structure
From 5 June 2026, XM introduced a new deposit bonus structure for new and existing clients in eligible countries:
- Welcome deposit bonus — new clients can claim a deposit bonus on qualifying deposits within 14 days of registration.
- Monthly deposit bonus up to $5,000 — clients, including copy trading strategy manager accounts, start each month with a guaranteed bonus that grows the more they trade, then resets the following month.
- Excluded accounts — deposit bonuses do not apply to XM Ultra Low and Shares accounts.
- Withdrawals — the bonus credit is not withdrawable; only profits are.
See the full breakdown on the XM deposit bonus guide.
Typical deposit bonus mechanics
| Element | Official general scheme |
|---|---|
| First tier | 50% trading bonus, capped at $500 |
| Second tier | 20% trading bonus, capped at $4,500 |
| Total cap | $5,000 trading bonus per eligible client |
| Bonus withdrawable? | No — trading credit only |
| Withdrawal effect | Withdrawals remove remaining bonus credit proportionally |
Things to verify before opting in
- Whether your country and account entity are eligible for the advertised deposit bonus.
- Whether withdrawing cash triggers proportional bonus removal.
- Whether the offer appears in your own XM Members Area before you deposit.
Check the current XM deposit bonus
Country-specific offer · Members Area verification required · Bonus credit is not cash
FAQ
What are the terms of XM’s deposit bonus?
Terms vary by promotion, but XM's official general deposit trading bonus scheme uses a 50% match up to $500, then a 20% match up to $4,500, for a $5,000 total trading-bonus cap. The bonus is trading credit, not cash, and is not directly withdrawable.
Are deposit bonuses always available?
No. Deposit bonuses are time-bound and country-specific. Separately, the $30 no-deposit bonus continues in many markets; selected countries moved to deposit-based welcome offers after June 2026. Always verify the live Members Area card.
Can I keep the cash from a deposit bonus?
The trading bonus itself is not directly withdrawable. XM's published terms state that withdrawals cause proportional removal of remaining bonus credit.
Related XM guides
- XM Deposit Bonus 2026 (welcome + monthly)
- Old XM $30 Bonus Status
- Does XM offer a welcome bonus?
- How is an XM bonus cancelled?
- What is the XM Loyalty Program?
- Are XM Bonus Profits Withdrawable?