Yes — anti-money-laundering rules require the deposit method to be refunded first, up to the deposited amount. Profits above the deposited amount can be withdrawn to alternative methods registered in your name.
Direct answer
This is industry-standard AML practice, not an XM-specific quirk. If you deposited $500 by Visa, the first $500 you withdraw must refund that Visa. The next dollar of withdrawal can route to a different method — e-wallet or bank wire — provided that method is in your name and KYC-verified.
Worked example
| Step | Action | Cumulative |
|---|---|---|
| Deposit | Visa $500 | $500 deposited |
| Trade | +$300 profit | $800 balance |
| Withdrawal #1 | $200 to Visa (refund) | $300 left to refund |
| Withdrawal #2 | $300 to Visa (refund completed) | $300 profit free to route |
| Withdrawal #3 | $300 to Skrill (alternative) | Account balance $0 |
Common pitfall
If your original deposit method is closed (e.g. expired card, closed bank account), open a support ticket before requesting the withdrawal so the broker can route the refund to a verified alternative in your name. This avoids a rejected withdrawal request.
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FAQ
Do I have to withdraw using the same method I deposited?
Yes — anti-money-laundering rules require the deposit method to be refunded first, up to the deposited amount. Profits above the deposited amount can be withdrawn to alternative methods registered in your name.
Does the refund-first rule apply to crypto?
Yes. If you funded with crypto, the equivalent amount must be returned to a wallet in your name first.
How is profit split from refund tracked?
XM's ledger automatically tracks deposited principal vs profit; the withdrawal form shows what is refundable to which method.
Related XM guides
- Does XM charge a withdrawal fee?
- How Long XM Withdrawals Take
- How to Withdraw From XM
- XM Payment Methods
- I can’t withdraw from XM — what should I do?