How much does XM Refer a Friend pay?

XM Refer a Friend pays up to $80 cash per successful referral. A successful referral is a friend who uses your referral link to open an XM account, completes KYC verification, makes a deposit, and trades at least 1 standard lot in Forex, Gold, or Silver. The reward is credited to your MyWallet and can be withdrawn immediately. There is no limit on the number of friends you can refer.

How do I get my XM referral link?

To get your XM referral link: login to Members Area (my.xm.com), navigate to the Refer a Friend dashboard (usually under Promotions or a dedicated Refer a Friend section), and copy your unique referral URL. You must have a verified real trading account and have traded at least 3 standard lots before you can access the dashboard.

What are the requirements for XM Refer a Friend?

Requirements to participate as a referrer: (1) Verified XM real trading account. (2) Have traded at least 3 standard lots in Forex, Gold, or Silver. Requirements for a successful referral: friend must use your unique referral link, open and verify an XM account, make a deposit, and trade a minimum of 1 standard lot. Trades must be open for at least 5 minutes. XM affiliate program members are not eligible.

Can I withdraw XM Refer a Friend earnings?

Yes. XM Refer a Friend cash rewards are credited to your MyWallet and are immediately withdrawable. The minimum transfer amount from MyWallet is $20 or the full available balance if less than $20. You can also transfer the reward to your trading account and use it for trading.

Is XM Refer a Friend available in Indonesia, Nigeria, and Philippines?

XM Refer a Friend is generally available to XM Global entity clients, which includes traders from Indonesia, Nigeria, Philippines, Kenya, Malaysia, India, South Africa, and most other non-EU countries. EU clients under CySEC regulation may have different terms. Check the Refer a Friend dashboard in your Members Area to confirm availability for your specific account.

XM Refer a Friend 2026 — Earn $80 Cash Per Referral, No Limit, Instantly Withdrawable

$80

exem-register.com Editorial Team Updated May 2026 · Based on XM official program terms · 7 min read

01 — How It WorksHow XM Refer a Friend Works — The Complete Flow

XM Refer a Friend is one of the most generous referral programs in the broker industry. Here is exactly how it works from start to cash in your wallet.

✅

You qualify
(3 lots traded)

🔗

Get your
unique link

📤

Share with
your friend

📝

Friend opens
& verifies

💰

Friend deposits
& trades 1 lot

💵

$80 cash in
your MyWallet

Your cash reward per successful referral

$80

per friend · no maximum · no expiry

Credited to MyWallet within 24 hours of friend completing requirements.
Minimum withdrawal from MyWallet: $20. Cash — not trading credit.

02 — RequirementsFull XM Refer a Friend Requirements — Referrer and Referee

Your requirements (Referrer) to access the program

Have a verified XM real trading account (KYC completed)
Have traded at least 3 standard lots in Forex, Gold, or Silver using your own deposited funds
Not enrolled in the XM Affiliate Program (the two programs cannot be combined)
Access the Refer a Friend dashboard via Members Area after meeting the above criteria

What your friend (Referee) must do for you to earn $80

Register using your unique referral link (not through any other method)
Complete KYC verification (upload and get approved for ID + proof of address)
Make a deposit using their own funds
Trade a minimum of 1 standard lot in Forex, Gold, or Silver
Each trade must be open for at least 5 minutes

Requirement	Referrer (You)	Referee (Your Friend)
Verified XM account	✅ Required	✅ Required
Minimum lots traded	3 standard lots (to unlock)	1 standard lot (to trigger reward)
Trade duration	—	Min 5 minutes per trade
Instruments eligible	—	Forex, Gold, Silver
Own deposited funds	—	✅ Yes (bonus credit doesn't count)
Affiliate members	❌ Not eligible	—
EU (CySEC) entity	⚠️ Check terms	⚠️ Check terms

Important: If you are enrolled in the XM Affiliate Program, you cannot simultaneously participate in Refer a Friend. The two programs are mutually exclusive. Consider which earns you more before choosing — affiliates earn commission on all client trades indefinitely, while Refer a Friend pays a one-time $80 per person who meets the criteria.

03 — Step-by-StepHow to Get Your XM Referral Link and Start Earning

Open and verify an XM real account

If you don't have an XM account yet, open one using the link on this page. Complete KYC verification (ID + proof of address). This is a prerequisite for joining Refer a Friend.

Trade at least 3 standard lots in Forex, Gold, or Silver

Deposit funds and trade a minimum of 3 standard lots (cumulative, not in one trade) using your own deposited funds — not bonus credit. This unlocks your access to the Refer a Friend dashboard. At 0.1 lot/trade, this equals 30 trades of 0.1 lot each.

Login to Members Area → navigate to Refer a Friend dashboard

Login to my.xm.com. Look for Refer a Friend under the Promotions menu or the main dashboard. Once you have met the trading requirement, the dashboard becomes accessible with your unique referral URL.

Copy your unique referral link and share it

The dashboard shows your unique referral URL. Copy it and share via: WhatsApp, Telegram, email, social media, or any channel. When your friend opens the link and registers — their account is automatically linked to you. They must use your link — accounts registered without it cannot be retroactively linked.

Track referrals in your dashboard

The Refer a Friend dashboard shows all referrals: pending (registered but not yet completed requirements), successful (reward earned), and expired (requirements not met within the time limit). You can see progress in real time.

Receive $80 in MyWallet and withdraw

Once your friend completes all requirements (verify + deposit + trade 1 lot with min 5-min open time), $80 is credited to your MyWallet within 24 hours. Withdraw via Members Area → MyWallet → Transfer/Withdraw. Minimum withdrawal: $20.

04 — Earnings PotentialHow Much Can You Earn? — XM Referral Earnings Calculator

There is no cap on referrals. The math is straightforward.

Referrals per month	Monthly earnings	Annual earnings
1 friend	$80	$960
5 friends	$400	$4,800
10 friends	$800	$9,600
25 friends	$2,000	$24,000
50 friends	$4,000	$48,000

💡 Who can refer the most friends?

Active trading communities: Telegram groups, WhatsApp forex communities, YouTube/TikTok finance creators
Forex educators: traders who teach others — every student who opens an XM account = $80
OFW / Overseas workers: referring friends in the same community who want passive income via copy trading
Social media traders: posting trade results and sharing your referral link in bio

05 — Withdrawing RewardsHow to Withdraw Your XM Refer a Friend Cash Rewards

Login to my.xm.com → MyWallet section
Check your available MyWallet balance (all referral rewards appear here)
Click Transfer or Withdraw
Choose: transfer to your trading account (to use for trading), or withdraw to your bank/e-wallet
Minimum amount: $20 (or the full balance if less than $20)
Withdrawal processing follows standard XM withdrawal timelines (same-day for e-wallets)

Fastest withdrawal route: MyWallet → transfer to trading account → withdraw from trading account via Skrill or Neteller (same-day processing). See our full XM withdrawal guide for all methods and timelines.

06 — Refer a Friend vs AffiliateXM Refer a Friend vs XM Affiliate Program — Which Earns More?

Feature	Refer a Friend	Affiliate Program
Reward per referral	$80 one-time cash	Commission per lot traded (ongoing)
Earning duration	One-time per person	Ongoing — earn every time they trade
Setup required	3 lots traded to unlock	Apply to XM affiliate program
No. of friends needed	Any number	Any number
Can combine	❌ Not with affiliate	❌ Not with Refer a Friend
Best for	Casual referrers, smaller networks	Active traders with large audiences

Simple rule: if your friend will trade actively and frequently, the affiliate program earns more over time (ongoing commission). If your friend will trade occasionally or you only have a few referrals, Refer a Friend's flat $80 is simpler and faster to collect.

07 — FAQFrequently Asked Questions

XM Refer a Friend pays $80 cash per successful referral. A successful referral requires the friend to register via your link, complete KYC, make a deposit, and trade at least 1 standard lot in Forex, Gold, or Silver (each trade open for at least 5 minutes). Reward is credited to your MyWallet within 24 hours.

Login to Members Area → Promotions → Refer a Friend dashboard. You need a verified account and at least 3 standard lots traded before the dashboard becomes accessible. Your unique referral URL is displayed there — copy and share it.

No limit at all. You earn $80 for every friend who successfully completes the requirements, regardless of how many you refer. 10 friends = $800. 50 friends = $4,000. The program has no cap.

Yes. XM Refer a Friend rewards are real cash — not bonus credit. They go to your MyWallet and can be withdrawn immediately. Minimum withdrawal: $20. You can also transfer to your trading account and use for trading.

You cannot be in both programs simultaneously. The Refer a Friend Program and the XM Affiliate Program are mutually exclusive. You must choose one. For casual referrers with small networks: Refer a Friend ($80 flat per person). For traders with large audiences: Affiliate Program (ongoing commission per lot traded) earns more over time.

Generally yes for XM Global entity clients — which includes Indonesia, Nigeria, Philippines, Kenya, Malaysia, India, South Africa, and most non-EU countries. EU (CySEC) clients may have different terms or limited availability. Check your Members Area → Refer a Friend dashboard to confirm for your specific account.

Start Earning $80 Per Referral Today

Open an XM account, trade 3 lots to unlock the program, get your referral link, and start earning.

Open XM Account ↗

Disclaimer: Refer a Friend terms may change. Reward amount of $80 per referral based on current XM program data as of May 2026. This page contains affiliate links.