XM Group Fees and Spreads (July 2025)

We, at Traders Union, conducted a thorough analysis of XM Group's fees, resulting in a score We evaluate brokers' fees and spreads by assessing the costs associated with Standard and ECN/Raw spread accounts, including commissions and spreads. Additionally, our evaluation considers extra fees such as deposit/withdrawal charges and inactivity fees. Learn the assessment criteria of 7 /10. This corresponds to a Medium level. Here are some of the most relevant indicators of XM Group’s fee structure:

XM Group fees overview:

Standard account EUR/USD spread, min pips	0,7
Standard account EUR/USD spread, max pips	1,2
Avg. ECN spread EUR/USD	0,2
ECN commission ($, per lot)	3,5
Withdrawal fee, %	0
Inactivity fee ($, per month)	10

XM Group Forex spreads and commissions

To assess the cost-effectiveness of XM Group, we analyzed its spreads across the most popular account types. These were compared with the top two competitors that have high overall ratings and accept clients in your region.

XM Group Standard account spread

Standard accounts at XM Group offer floating spreads with a broker markup. They typically have higher spreads than ECN or RAW accounts but do not charge additional commissions per lot, ensuring a straightforward cost structure.

	XM Group	Plus500	Pepperstone
Floating spread EUR/USD, min pips The cost of 1 pip in USD for EUR/USD is $10.	0,7	0,5	0,5
Floating spread EUR/USD, max pips	1,2	0,9	1,5
Floating spread GBP/USD, min pips	0,6	0,5	0,4
Floating spread GBP/USD, max pips	1,2	0,9	1,5

XM Group ECN/Raw account spread and commission

ECN/RAW accounts at XM Group feature market-determined spreads without a markup. Despite a commission per lot, they are often more cost-effective for high-volume trading.

	XM Group	Pepperstone	Industry average Based on the evaluation of over 200 forex brokers
ECN Commission per lot, $	3,5	3	3,5
ECN Spread EUR/USD	0,2	0,1	0,17 pips
ECN Spread GBP/USD	0,2	0,15	0,21 pips

What is XM Group’s average EUR/USD spread?

The average spread on XM Group varies depending on the type of account you choose and the current level of market volatility. For example, the typical spread for EUR/USD is around 0,2 pips on an ECN or RAW account, which usually comes with a commission, while on a standard commission-free account, the spread tends to be higher—about 1,0 pips.

XM Group non-trading fees

We conducted an analysis of XM Group’s non-trading fees to provide a detailed overview of the additional costs that may affect traders outside their regular trading activities.

XM Group Non-Trading Fees

	XM Group	Plus500	Pepperstone
Deposit fee, % The indicated amount excludes potential fees charged by payment systems and banks.	No	No	No
Withdrawal fee, % The indicated amount does not include possible fees from payment systems and banks.	No	No	No
Withdrawal fee, USD The indicated amount does not include possible fees from payment systems and banks.	No	No	No
Inactivity fee ($, per month)	10	10	No

What is the cost of executing one Forex lot with XM Group?

The cost of executing 1 standard lot (100,000 units) with XM Group depends on the account type and market volatility, which can vary significantly throughout the day. On ECN/RAW accounts, traders pay the market spread plus a fixed commission, while on Standard accounts, spreads may fluctuate more, but no commission is charged. We calculated the approximate execution cost for 1 lot during peak market hours.

	Spread cost in USD	Commission ($ per lot)	Total cost in USD
ECN/Raw account	2	3.5	5.5
Standard account	9.5	0	9.5

Understanding Forex trading costs

When evaluating a Forex broker, it is essential to consider several factors that can directly impact the overall cost of executing trades, beyond just the average spread. Here are some key considerations:

Liquidity and daily turnover

Higher liquidity and larger daily turnover generally lead to tighter spreads and reduced slippage.

Top 3 Forex brokers by trading turnover

Broker	Daily turnover ($, billion)
IC Markets	29
Saxo Bank	20,01
StoneX	18,6

Order Execution Speed

Faster order execution can reduce slippage, helping to ensure that trades are completed at the expected prices. Execution speed is typically highest on ECN accounts.

XM Group supports ECN trading execution, which typically offers the fastest speeds, tighter spreads, and direct access to liquidity providers

Free VPS

A free VPS provides a stable, high-speed connection, which can reduce latency and slippage, especially for automated trading systems and high-frequency trading. This helps ensure consistent performance and potentially lower execution costs.

XM Group does not offer free VPS services. For traders seeking this feature, Pepperstone and OANDA are suitable alternatives, known for providing free VPS access to active traders and those with high trading volumes.

XM Group extra services for active traders vs competitors

The table below compares the extra services offered by XM Group for active traders with those of its competitors. These features can enhance trading efficiency and strategy implementation. The comparison showcases how XM Group stands out in meeting the needs of active traders through its advanced tools, such as API and TradingView integration, and convenient options like one-click trading and support for scalping.

XM Group services for active traders

	XM Group	Plus500	Pepperstone
API	Yes	No	Yes
Signals (alerts)	Yes	Yes	Yes
TradingView integration	No	Yes	Yes
Trading bots (EAs)	Yes	Yes	Yes
Scalping	Yes	Yes	Yes
One click trading	Yes	Yes	Yes

Minimizing trading costs: Expert tips

Choosing the right Forex broker is crucial for minimizing costs and boosting profitability. Below are expert insights from our recent fee analysis to help you make informed choices and maximize your trading returns.

Beyond spreads and commissions, it's crucial to consider overnight financing charges, also known as swap rates. These fees apply to positions held open past the daily cutoff time, typically 5 PM EST.

For traders engaging in longer-term strategies or swing trading with XM Group, these swap rates can significantly affect overall profitability. XM Group calculates these charges based on the interest rate differential between the two currencies in the traded pair. Depending on the direction of your trade and the prevailing interest rates, traders may either pay or receive a swap fee. Some traders even employ a strategy known as "carry trading," which focuses on capturing positive swaps.

Note that many brokers apply triple swap charges on Wednesday or Friday to account for the weekend. This means the overnight fee is tripled on these days.