How to Trade at XM for Beginners

How to Trade at XM for Beginners


How to Register XM Account


How to Register Account



1. Go to the registration page

You must first access the XM broker portal, where you can find the button to create a account.

As you can see in the central part of the page there is the green button to create a account.

The account opening is totally free.
How to Trade at XM for Beginners
It may take only 2 minutes to complete the online registration with XM.


2. Fill in the required fields

There you will have to complete the form with the required information as below.
How to Trade at XM for Beginners
  • First Name and Last Name
    • They are displayed in your identity document.
  • Country of Residence
    • The country you reside in may affect the account types, promotions and other service details available for you. In here, you may select the country you currently reside in.
  • Preferred Language
    • The language preference can be changed later too. By selecting your native language, you will be contact by support staffs who speak your language.
  • Phone Number
    • You may not need to make a phone call to XM, but they may call in some cases.
  • Email Address
    • Make sure you type in the correct email address. After the completion of the registration, all communications and logins will require your email address.

Please Note: Only one email address per client is allowed.

At XM you can open multiple accounts using the same email address. Multiple email addresses per client are not allowed.

If you are an existing XM Real account holder and you wish to open an additional account you must use the same email address already registered with your other XM Real Account(s).

If you are a new XM client please ensure that you register with one email address as we do not allow different email address for every account you open.



3. Choose your account type

Before proceeding to the next step, you must choose Trading Platform Type. You can also choose MT4 (MetaTrader4) or MT5 (MetaTrader5) platforms.
How to Trade at XM for Beginners
And the account type you like to use with XM. XM mainly offers Standard, Micro, XM Ultra Low Account and Shares Account.
How to Trade at XM for Beginners
After the registration, you can also open multiple trading accounts of different account types.


4. Agree to the Terms and Conditions

After filling in all the blanks, lastly you need to click in the boxes and press "PROCEED TO STEP 2" as below
How to Trade at XM for Beginners
In the next page, you will need to fill in some more details about yourself and investment knowledge.
How to Trade at XM for Beginners
How to Trade at XM for Beginners
The Account password field should consist of three character types: lowercase letters, uppercase letters, and numbers.
How to Trade at XM for Beginners
After filling in all the blanks, lastly you need to agree to the terms and conditions, click in the boxes and press "OPEN A REAL ACCOUNT" as above


After this, you will receive an email from XM for email confirmation
How to Trade at XM for Beginners
In your mailbox, you will receive an email like the one you can see in the following image. Here, you will have to activate the account by pressing where it says “Confirm email address“. With this, the demo account is finally activated.
How to Trade at XM for Beginners
Upon confirmation of the email and account, a new browser tab will open with welcome information. The identification or user number that you can use on the MT4 or Webtrader platform is also provided.
How to Trade at XM for Beginners
Go back to your Mailbox, you wil receive a login details for your account.
How to Trade at XM for Beginners
It should be remembered that for the version of Metatrader MT5 or Webtrader MT5 the account opening and verification process is exactly the same.

How to login to XM

What is a Multi-Asset Trading Account?

A multi-asset trading account at XM is an account that works similarly to your bank account, but with the difference that it is issued with the purpose of trading currencies, stock indices CFDs, stock CFDs, as well as CFDs on metals and energies.

Multi-asset trading accounts at XM can be opened in Micro, Standard or XM Ultra Low formats as you can view in the table above.

Please note that multi-asset trading is available only on MT5 accounts, which also allows you access to the XM WebTrader.

In summary, your multi-asset trading account includes

1. Access to the XM Members Area
2. Access to the corresponding platform(s)
3. Access to the XM WebTrader

Similarly to your bank, once you register a multi-asset trading account with XM for the first time, you will be requested to go through a straightforward KYC (Know your Customer) process, which will allow XM to make sure that the personal details you have submitted are correct and ensure the safety of your funds and your account details. Please note that if you already maintain a different XM Account, you will not have to go through the KYC validation process as our system will automatically identify your details.

By opening a trading account, you will be automatically emailed your login details that will give you access to the XM Members Area.

The XM Members area is where you will manage the functions of your account, including the depositing or withdrawing funds, viewing and claiming unique promotions, checking your loyalty status, checking your open positions, changing the leverage, accessing support and accessing the trading tools offered by XM.

Our offerings within the clients Members Area are provided and constantly enriched with more and more functionalities, allowing our clients more and more flexibility to perform changes or additions to their accounts at any given time, without needing assistance from their personal account managers.

Your multi-asset trading account login details will correspond to a login on the trading platform which matches your type of account, and it is ultimately where you will be performing your trades. Any deposits and/or withdrawals or other setting changes you make from the XM Members Area will reflect on your corresponding trading platform.


Who Should Choose MT4?

MT4 is the predecessor of the MT5 trading platform. At XM, the MT4 platform enables trading on currencies, CFDs on stock indices, as well as CFDs on gold and oil, but it does not offer trading on stock CFDs. Our clients who do not wish to open an MT5 trading account can continue using their MT4 accounts and open an additional MT5 account at any time.

Access to the MT4 platform is available for Micro, Standard or XM Ultra Low as per the table above.


Who Should Choose MT5?

Clients who choose the MT5 platform have access to a wide range of instruments ranging from currencies, stock indices CFDs, gold and oil CFDs, as well as stock CFDs.

Your login details to the MT5 will also give you access to the XM WebTrader in addition to the desktop (downloadable) MT5 and the accompanying apps.

Access to the MT5 platform is available for Micro, Standard or XM Ultra Low as shown in the table above.


How to Verify XM Account

XM Verification on Desktop


1/ Login to XM Account

Go to XM Group official website., Click on “Member Login” on top of the screen.
How to Trade at XM for Beginners
Enter your Account ID and Password.
How to Trade at XM for Beginners

2/ Click “VALIDATE YOUR ACCOUNT HERE" yellow button

At the main page, click “VALIDATE YOUR ACCOUNT HERE" yellow button
How to Trade at XM for Beginners

Please upload the document(s) requested below:

  • Please upload both sides of a clearly visible color copy of your valid identity card.
  • Please ensure the uploaded image shows all four corners of the document
  • The accepted file formats are GIF, JPG, PNG, PDF
  • The maximum upload file size is 5MB.
  • The app requires access to your camera and supports only the latest versions of mobile and web browsers.


3/ Upload 2 components of identification documents

Identification documents consist of 2 components.

  • A color copy of valid passport or other official identification document issued by authorities (e.g. drivers license, identity card, etc). The identification document must contain the clients full name, an issue or expiry date, the clients place and date of birth or tax identification number and the clients signature.
  • A recent utility bill (e.g. electricity, gas, water, phone, oil, Internet and/or cable TV connection, bank account statement) dated within the last 6 months and confirming your registered address.

How to Trade at XM for Beginners
If you do not have a scanner, you can take a picture of the documents by camera of a mobile. It is OK to save it on your PC and upload it

Please select the file you have saved on your computer by clicking “Browse".

After you have selected the documents, click “Upload your Documents" to finalize the submission.

Usually, you account will be validated within 1-2 working days (except Saturday, Sunday and public holidays). if fast after a few hours. If you would like to trade with your account immediately after its activation, contact us in English to receive an early response.


XM Verification on Mobile Phone

1/ Login to XM Account

Go to XM Group official website., Click on “Member Login” on top of the screen.
How to Trade at XM for Beginners
Enter your Account ID and Password.
How to Trade at XM for Beginners
2/ Click “VALIDATE YOUR ACCOUNT HERE" yellow button

At the main page, click “VALIDATE YOUR ACCOUNT HERE" yellow button
How to Trade at XM for Beginners

Please upload the document(s) requested below:

  • Please upload both sides of a clearly visible color copy of your valid identity card.
  • Please ensure the uploaded image shows all four corners of the document
  • The accepted file formats are GIF, JPG, PNG, PDF
  • The maximum upload file size is 5MB.
  • The app requires access to your camera and supports only the latest versions of mobile and web browsers.


3/ Upload 2 components of identification documents

Identification documents consist of 2 components.

  • A color copy of valid passport or other official identification document issued by authorities (e.g. drivers license, identity card, etc). The identification document must contain the clients full name, an issue or expiry date, the clients place and date of birth or tax identification number and the clients signature.
  • A recent utility bill (e.g. electricity, gas, water, phone, oil, Internet and/or cable TV connection, bank account statement) dated within the last 6 months and confirming your registered address.

How to Trade at XM for Beginners
If you do not have a scanner, you can take a picture of the documents by camera of a mobile. It is OK to save it on your PC and upload it

Please select the file you have saved on your computer by clicking “Browse".

After you have selected the documents, click “Upload your Documents" to finalize the submission.

Usually, you account will be validated within 1-2 working days (except Saturday, Sunday and public holidays). if fast after a few hours. If you would like to trade with your account immediately after its activation, contact us in English to receive an early response.



How to make a Deposit in XM


Deposit on Desktop

To make a deposit into XM’s trading account, please follow the instruction below.

1. Login to the XM

Press “Members Login
How to Trade at XM for Beginners
Enter your MT4/MT5 ID and Password, Press "Login"
How to Trade at XM for Beginners


2. Select the deposit method “Credit/Debit Cards”

Deposit methods Processing time Deposit fees
Credit/Debit Cards Immediately Free
International bank transfer 3-5 working days Free
Skrill
(MoneyBookers)
Immediately ~ within 1 hour Free
Clients bear payment fees
Neteller Immediately ~ within 1 hour Free
Clients bear payment fees

How to Trade at XM for Beginners
How to Trade at XM for Beginners

NOTE: Before you proceed with a deposit via credit/debit cards, please note the following:

  • Please make sure that all payments are made from an account registered in the same name as your XM account.

  • All withdrawals, excluding profits, can only be paid back to the credit/debit cards that the deposit was initiated from, up to the deposited amount.

  • XM does not charge any commissions or fees for deposits via credit/debit cards.

  • XM will credit your account within a few minutes and notify you via email so that you can start trading immediately.

  • By submitting a deposit request, you consent to your data being shared with third parties, including payment service providers, banks, card schemes, regulators, law enforcement, government agencies, credit reference bureaus and other parties we deem necessary to process your payment and/or verify your identity.


3. Enter the deposit amount and click "Deposit"
How to Trade at XM for Beginners

4. Confirm the account ID and deposit amount

Click on "Confirm" to proceed.
How to Trade at XM for Beginners

5. Enter all the required information to finish the Deposit.

Click "Pay Now"
How to Trade at XM for Beginners
The deposit amount will be instantly reflected into your trading account.

Are you having trouble with Deposit to XM MT4 or MT5?

Contact their support team on Livechat. They are available for 24/7.


Deposit on Mobile Phone


1/ Click the “Deposit" button from Menu

After logging into My Account XM Group official account, click “Deposit” button on the menu on the left side of the screen
How to Trade at XM for Beginners

2/ Select Deposit payment method

Credit/Debit cards is a recommended payment for deposit because it’s simple and allows fast deposit.
How to Trade at XM for Beginners

3/ Enter the amount you want to deposit


Use your registered currency when opening an account. If you have selected trading currency is USD, then enter the deposit amount in USD.

After checking the XM Account ID and the amount of money needed to deposit, enter the amount you wish to deposit to your account, click “Deposit" and you will be redirected to the payment age.
How to Trade at XM for Beginners

4. Confirm the account ID and deposit amount

If the information is correct then you click the “Confirm" button.
How to Trade at XM for Beginners


5/ Enter Credit/Debit cards information

Please enter your Credit/Debit cards information because the system will automatically direct you to the card information input page.

If your card was previously charged, some information should have been previously entered. Confirm the information such as expiry date, …make sure all information is correct.
How to Trade at XM for Beginners
Once the information is filled, Click the “Deposit” button a message will appear “please wait while we process your payment”.

Please do not click Go back button on the browser while payment is being processed.

Then the process is complete.
 

Deposit methods other than Credit/Debit cards payment will not be reflected immediately.

If the payment is not reflected in the account, please contact support team at XM Group if the payment is not reflected in the account.

In addition, if your account is deposited from a foreign country other than your registered permanent resident address, you will need to attach a Credit/Debit cards details sheet and a credit/Debit cards image to the support team for security reasons

Please note that the above provisions will apply in the case of Credit/Debit cards issued in foreign country or when traveling abroad.



How to Trade Forex at XM


How to place a New Order in XM MT4


Right click the chart , Then click “Trading" → select “New Order".
Or
Double click on the currency you want to place an order on MT4. The Order window will appear
How to Trade at XM for Beginners
How to Trade at XM for Beginners
Symbol: check the Currency symbol you wish to trade is displayed in the symbol box

Volume: you must decide the size of your contract, you can click on the arrow and choose the volume from the listed oprions of the drop-down box or left click in the volume box and type in the required value
  • Micro Account : 1 Lot = 1,000 units
  • Standard Account : 1 Lot = 100,000 units
  • XM Ultra Account :
    • Standard Ultra: 1 Lot = 100,000 units
    • Micro Ultra: 1 Lot = 1,000 units
  • Shares Account :1 share
The minimum trade size for these accounts:
  • Micro Account : 0.1 Lots (MT4), 0.1 Lots (MT5)
  • Standard Account : 0.01 Lots
  • XM Ultra Account :
    • Standard Ultra: 0.01 Lots
    • Micro Ultra: 0.1 Lots
  • Shares Account :1 Lot
Dont forget that your contract size directly affects your possible profit or loss.

Comment: this section is not obligatory but you can use it to identify your trades by adding comments

Type: which is set to market execution by default,
  • Market Execution is the model of executing orders at the current markets price
  • Pending Order is used to setup a future price that you intend to open your trade with.

Finally you need to decide what order type to open, you can choose between a sell and a buy order

Sell by Market are opened at bid price and closed at ask price, in this order type your trade may bring profit if the price goes down

Buy by Market are opened at ask price and closed at bid price, in this order type your trade may bring profir It the price goes up

Once you click on either Buy or Sell, your order will be instantly processed, you can check your order in the Trade Terminal
How to Trade at XM for Beginners



How to place a Pending Orders


How Many Pending Orders in XM MT4

Unlike instant execution orders, where a trade is placed at the current market price, pending orders allow you to set orders that are opened once the price reaches a relevant level, chosen by you. There are four types of pending orders available , but we can group them to just two main types:
  • Orders expecting to break a certain market level
  • Orders expecting to bounce back from a certain market level
How to Trade at XM for Beginners

Buy Stop

The Buy Stop order allows you to set a buy order above the current market price. This means that if the current market price is $20 and your Buy Stop is $22, a buy or long position will be opened once the market reaches that price.
How to Trade at XM for Beginners

Sell Stop

The Sell Stop order allows you to set a sell order below the current market price. So if the current market price is $20 and your Sell Stop price is $18, a sell or ‘short’ position will be opened once the market reaches that price.
How to Trade at XM for Beginners

Buy Limit

The opposite of a buy stop, the Buy Limit order allows you to set a buy order below the current market price. This means that if the current market price is $20 and your Buy Limit price is $18, then once the market reaches the price level of $18, a buy position will be opened.
How to Trade at XM for Beginners

Sell Limit

Finally, the Sell Limit order allows you to set a sell order above the current market price. So if the current market price is $20 and the set Sell Limit price is $22, then once the market reaches the price level of $22, a sell position will be opened on this market.
How to Trade at XM for Beginners

Opening Pending Orders

You can open a new pending order simply by double-clicking on the name of the market on the Market Watch module. Once you do so, the new order window will open and you will be able to change the order type to Pending order.
How to Trade at XM for Beginners
Next, select the market level at which the pending order will be activated. You should also choose the size of the position based on the volume.

If necessary, you can set an expiration date (‘Expiry’). Once all these parameters are set, select a desirable order type depending on whether you would like to go long or short and stop or limit and select the ‘Place’ button.
How to Trade at XM for Beginners
As you can see, pending orders are very powerful features of MT4. They are most useful when youre not able to constantly watch the market for your entry point, or if the price of an instrument changes quickly, and you don’t want to miss the opportunity.
 

How to close Orders in XM MT4

To close an open position, click the ‘x’ in the Trade tab in the Terminal window.
How to Trade at XM for Beginners
Or right-click the line order on the chart and select ‘close’.
How to Trade at XM for Beginners
If you’d like to close only a part of position, click the right-click on the open order and select ‘Modify’. Then, in the Type field, select instant execution and choose what part of the position you want to close.
How to Trade at XM for Beginners
As you can see, opening and closing your trades on MT4 is very intuitive, and it literally takes just one click.


How to Withdraw Funds from XM

3 Steps


1/ Click “Withdrawal” button on My account page

After logging in to My XM Group account, click “Withdrawal” on menu.
How to Trade at XM for Beginners

2/ Select Withdrawal options
How to Trade at XM for Beginners
Credit/Debit cards can be withdrawn up to the deposit amount.

After withdrawing up to the amount deposited, you can choose to withdraw the remaining amount using whichever method you like.

For example: You deposited 100,000 VND into your credit card, and you make a profit of 100,000 VND after trading. If you want to withdraw money, you have to withdraw 100,000 VND or the amount deposited using credit card, the remaining 100,000 VND you can withdraw by other methods.
 
Deposit methods Possible withdrawal methods
Credit Card Withdrawals will be processed up to the amount deposited by credit card.
The remaining amount can be withdrawn via other methods
Debit Card Withdrawals will be processed up to the amount deposited by debit card.
The remaining amount can be withdrawn via other methods
NETELLER Choose your withdrawal method other than credit or debit card.
Bank wire Choose your withdrawal method other than credit or debit card.

3/ Enter the amount you wish to withdraw and submit the request

Enter the amount you wish to withdraw. Note that you should not enter “comma” when entering the amount. Number only

Click “Yes” to agree to the preferred withdrawal procedure, then click “Request”
How to Trade at XM for Beginners
Thus, the withdrawal request has been submitted.

The withdrawal amount will be automatically deducted from your trading account. Withdrawal requests from XM Group will be processed within 24 hours (except Saturday, Sunday, and public holidays)
 
Withdrawal methods Withdrawal fees Minimum withdrawal amount Processing time
Credit card Free 5 USD ~ 2-5 working days
NETELLER Free 5 USD ~ 24 working hours
Skrill Free 5 USD ~ 24 working hours
Bank wire XM covers all transfer fees 200 USD ~ 2-5 working days
As for credit cards and debit cards, since refunds are handled by card companies, even if XM Group has completed the withdrawal request within 24 hours it could take a few weeks to a month to complete the process So, it is recommended that you withdraw the funds in a timely manner.
 

Disclaimers

XMP (bonus) that has been redeemed will be removed entirely even if you only withdraw 1 USD


At XM, a client can open up to 8 accounts.

Therefore, it is possible to prevent the removal of the entire XMP (bonus) by opening another account, transferring the investment amount to this account and using it to withdraw money.


Video of Withdrawal on Desktop



Video of Withdrawal on Mobile Phone

XM FAQ

 

Why do I need to submit my documents for account validation?

As a regulated company, we operate in accordance with a number of compliance-related issues and procedures imposed by our main regulatory authority, IFSC. These procedures involve the collection of adequate documentation from our clients with regards to KYC (Know Your Client), including the collection of a valid ID card and a recent (within 6 months) utility bill or bank account statement that confirms the address the client has registered with.


Do I need to upload my documents again if I open a new trading account and my first account was already validated?

No, your new account will be validated automatically, as long as you will use the same personal /contact details as for your previous account.


Can I update my personal information?

If you wish to update your email address, please send an email to [email protected] from your registered email address.

If you wish to update your residential address, please send an email to [email protected] from your registered email address and upload the POR (not older than 6 months) confirming that address in the Members Area .
 

What is the minimum deposit for a trading account?

It is $5 for MICRO, STANDARD and ULTRA LOW accounts. For SHARES accounts it is $10,000.


Do you offer cent accounts? Is the deposit visible in cents?

We offer MICRO trading accounts, where 1 micro lot (pip) is equal to 10 USD cents. However, your deposit is always visible in the actual amount, e.g. if you deposit 100 USD, your trading account balance will be 100 USD.


In which currencies can I deposit money into my trading account?

You can deposit money in any currency and it will be automatically converted into the base currency of your account, by XM prevailing inter-bank price.
 


Using Stop Loss, Take Profit and Trailing Stop in XM MT4


One of the keys to achieving success in financial markets over the long term is prudent risk management. That’s why stop losses and take profits should be an integral part of your trading.

So let’s have a look how to use them on our MT4 platform to ensure you know how to limit your risk and maximise your trading potential.


Setting Stop Loss and Take Profit

The first and the easiest way to add Stop Loss or Take Profit to your trade is by doing it right away, when placing new orders.
How to Trade at XM for Beginners
To do this, simply enter your particular price level in Stop Loss or Take Profit fields. Remember that Stop Loss will be executed automatically when the market moves against your position (hence the name: stop losses), and Take Profit levels will be executed automatically when the price reaches your specified profit target. This means that you’re able to set your Stop Loss level below the current market price and Take Profit level above current market price.

It’s important to remember that a Stop Loss (SL) or a Take Profit (TP) is always connected to an open position or a pending order. You can adjust both once your trade has been opened and you’re monitoring the market. It’s a protective order to your market position, but of course they are not necessary to open a new position. You always can add them later, but we highly recommend to always protect your positions*.


Adding Stop Loss and Take Profit Levels

The easiest way to add SL/TP levels to your already opened position is by a using trade line on the chart. To do so, simply drag and drop the trade line up or down to specific level.
How to Trade at XM for Beginners
Once you’ve entered SL/TP levels, the SL/TP lines will appear on the chart. This way you can also modify SL/TP levels simply and quickly.

You can also do this from the bottom ‘Terminal’ module as well. To add or modify SL/TP levels, simply right-click on your open position or pending order, and choose ‘Modify or delete order’.
How to Trade at XM for Beginners
The order modification window will appear and now you’re able to enter/modify SL/TP by the exact market level, or by defining the points range from the current market price.
How to Trade at XM for Beginners


Trailing Stop


Stop Losses are intended for reducing losses when the market moves against your position, but they can help you lock in your profits as well.

While that may sound a bit counterintuitive at first, its actually very easy to understand and master.

Let’s say you’ve opened a long position and the market moves in the right direction, making your trade a profitable one at present. Your original Stop Loss, which was placed at a level below your open price, can now be moved to your open price (so you can break even) or above the open price (so you are guaranteed a profit).

To make this process automatic, you can use a Trailing Stop. This can be a really useful tool for your risk management, particularly when price changes are rapid or when you’re unable to constantly monitor the market.

As soon as the position turns profitable, your Trailing Stop will follow the price automatically, maintaining the previously established distance.
How to Trade at XM for Beginners
Following the example above, please bear in mind, however, that your trade needs to be running a profit large enough for the Trailing Stop to move above your open price, before your profit can be guaranteed.

Trailing Stops (TS) are attached to your opened positions, but it’s important to remember that if you have a trailing stop on MT4, you need to have the platform open for it to be successfully executed.

To set a Trailing Stop, right-click the open position in the ‘Terminal’ window and specify your desired pip value of distance between the TP level and the current price in the Trailing Stop menu.
How to Trade at XM for Beginners
Your Trailing Stop is now active. This means that if prices change to the profitable market side, TS will ensure the stop loss level follows the price automatically.

Your Trailing Stop can easily be disabled by setting ‘None’ in the Trailing Stop menu. If you want to quickly deactivate it in all opened positions, just select ‘Delete All’.

As you can see, MT4 provides you with plenty of ways to protect your positions in just a few moments.

*Whilst Stop Loss orders are one of the best ways to ensure your risk is managed and potential losses are kept to acceptable levels, they don’t provide 100% security.

Stop losses are free to use and they protect your account against adverse market moves, but please be aware that they cannot guarantee your position every time. If the market becomes suddenly volatile and gaps beyond your stop level (jumps from one price to the next without trading at the levels in between), it’s possible your position could be closed at a worse level than requested. This is known as price slippage.

Guaranteed stop losses, which have no risk of slippage and ensure the position is closed out at the Stop Loss level you requested even if a market moves against you, are available for free with a basic account.  


What payment options do I have to withdraw money?

We offer a wide range of payment options for deposits/withdrawals: by multiple credit cards, multiple electronic payment methods, bank wire transfer, local bank transfer, and other payment methods.

As soon as you open a trading account, you can log in to our Members Area, select a payment method of your preference on the Deposits/Withdrawal pages, and follow the instructions given.


What is the minimum and maximum amount that I can withdraw?

The minimum withdrawal amount is 5 USD (or equivalent denomination) for multiple payment methods supported in all countries. However, the amount varies according to the payment method you choose and your trading account validation status. You can read more details about the deposit and withdrawal process in the Members Area.


Are there any withdrawal fees?

We do not charge any fees for our deposit/withdrawal options. For instance, if you deposit USD 100 by Skrill and then withdraw USD 100, you will see the full amount of USD 100 in your Skrill account as we cover all transaction fees both ways for you.

This also applies to all credit/debit card deposits. For deposits/withdrawals via international bank wire transfer, XM covers all transfer fees imposed by our banks, with the exception of deposits amounting to less than 200 USD (or equivalent denomination).

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