XM Inactivity Fee 2026 — $10/Month Explained, How to Avoid It & How to Reactivate Your Account
XM Inactivity Fee — Complete Guide 2026

XM Inactivity Fee 2026 — $10 Per Month Explained, When It Starts, How to Avoid It & How to Reactivate a Dormant Account

Everything you need to know about XM's $10/month dormancy charge: exactly when the 90-day clock starts, what resets it, how the fee depletes your balance, and three ways to avoid losing money to inactivity.

$10/month After 90 days
90 days Inactivity trigger
1 trade Resets the clock
অবাধ To reactivate
Open XM Account — Trade Actively ↗
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XM ব্রোকারস সম্পাদকীয় দল Updated May 2026  ·  8 min read  ·  Verified against XM's published Terms of Service Section 34 (Dormant Accounts)

What Is the XM Inactivity Fee and Why Does XM Charge It?

XM's inactivity fee — also called a dormancy fee — is a charge of $10 per month deducted automatically from live accounts that have had no trading activity for 90 or more consecutive calendar days. The fee continues every month until either the account is reactivated through trading or the balance reaches zero.

The fee exists as a standard administrative practice across the regulated broker industry. Maintaining live accounts (servers, compliance monitoring, customer records, regulatory reporting) has operational costs even when accounts are dormant. Most major regulated brokers apply similar fees, though the trigger period and amount vary.

⚠️ XM Inactivity Fee — Key Facts

  • পরিমাণ: $10 per month (or full remaining balance if less than $10)
  • Trigger: 90 consecutive days of no trading activity on a live account
  • Applies to: Live accounts with a positive balance only
  • Does not apply to: Demo accounts, accounts with zero balance
  • Charged when: Monthly, until reactivated or balance reaches zero
  • Disclosed in: XM's Terms of Service, Section 34 (Dormant Accounts)

When Does XM's 90-Day Inactivity Clock Start — and What Actions Actually Reset It?

This is where most traders get confused — and where the fee catches people off guard. The inactivity clock is specifically tied to trading activity, not account activity.

What Resets the Inactivity Clock — Trading Activity Only

The following actions reset the 90-day clock to zero:

  • Opening any trade in MT4 or MT5 (even 0.01 lot on any instrument)
  • Closing any existing open trade in MT4 or MT5

What Does NOT Reset the Inactivity Clock

Many traders assume any account interaction prevents the fee — this is incorrect. The following actions do not reset the clock:

  • Logging into the Members Area (my.xm.com)
  • Logging into MT4 or MT5 without placing a trade
  • Making a deposit into the account
  • Watching the markets or using XM's educational content
  • Checking your account balance or trade history
  • Contacting XM support
Critical clarification: Depositing money into an inactive account does not reset the inactivity clock. If you deposit $100 into an account that has been inactive for 80 days, the fee will still trigger 10 days later unless you also place a trade. Deposit + trade = reset. Deposit alone = no reset.

Real Example — How the $10/Month XM Inactivity Fee Depletes a $50 Balance Over Time

Here is a concrete example of what happens to a $50 account that has been inactive for 90+ days with no action taken:

Day 0
Last trade closed — inactivity clock starts
Account balance: $50. No further trades are placed. The 90-day countdown begins.
Day 90
90 days reached — account is now dormant
No notification is sent before the first fee is charged. XM deducts $10. Balance: $40.
Day 120
Month 2 — second $10 deducted
Another $10 inactivity fee charged. Balance: $30.
Day 150
Month 3 — third $10 deducted
Another $10 fee. Balance: $20.
Day 180
Month 4 — balance drops to $10
$10 fee charged. Balance: $10.
Day 210
Month 5 — balance reaches zero
Final $10 deducted. Balance: $0. No further fees charged. The original $50 deposit is completely depleted through inactivity fees in 7 months of no trading.
Original deposit$50.00
Months to depletion at $10/month5 months
Total inactivity fees paid-$50.00
Remaining balance$0.00

3 Proven Ways to Avoid the XM $10/Month Inactivity Fee

✅ Method 1 — Trade at Least Once Every 90 Days (Simplest)

The easiest and most straightforward way. Open any trade — even the smallest 0.01 lot position on any instrument — and close it immediately. This single action resets the 90-day inactivity clock to zero at no meaningful cost (a 0.01 lot trade costs less than $1 in spread on most instruments). Set a calendar reminder every 80 days if you are not trading regularly.

✅ Method 2 — Withdraw Your Balance Before 90 Days Elapses

If you know you will not be trading for an extended period (travel, work, other commitments), withdraw your entire balance before the 90-day mark. An account with zero balance does not incur the inactivity fee. You can re-deposit whenever you are ready to trade again. This approach is better than leaving funds idle and having them depleted by monthly fees.

✅ Method 3 — Use XM Copy Trading to Maintain Activity Automatically

If you are invested in XM's copy trading system as an investor allocating funds to a strategy provider, the strategy provider's trades are mirrored on your account — these count as trading activity and reset the inactivity clock automatically. This is particularly useful for passive investors who do not actively trade but want to maintain account activity.

Simplest rule: Set a phone reminder for every 85 days that says "Open and close 1 micro lot on XM." The total cost of this trade is typically under $0.50 — infinitely cheaper than the $10/month inactivity fee.

How to Reactivate a Dormant XM Account That Is Already Being Charged Inactivity Fees

If your account is already dormant and being charged, the fix is simple and free — there is no reactivation fee or form to complete.

  1. Log into your XM Members Area at my.xm.com and check your current balance. If the balance is above zero, proceed.
  2. Download and open MT4 or MT5 (or use XM WebTrader in your browser — no download needed).
  3. Log in to your XM trading account using your 8-digit account number and trading password. Server: xmglobal-real 1 for most global accounts.
  4. Place any trade — even 0.01 lot on any instrument. Open it and close it immediately if you do not want market exposure. The act of trading resets the clock.
  5. That is it. The inactivity clock resets to zero from the moment the trade is executed. No further fees will be charged for the next 90 days.
Check your balance first: Before attempting to reactivate, confirm your account has a positive balance. If the inactivity fee has already reduced your balance to zero, you will need to make a new deposit (minimum $5) before you can place a trade to reset the clock.

Can You Get the XM Inactivity Fee Refunded — What Support Can and Cannot Do

XM's Terms of Service state that the inactivity fee is a legitimate charge for dormant accounts — it is not an error, so there is no automatic right to a refund. However, contacting XM support after reactivating your account sometimes results in a goodwill reversal of recent charges.

The approach most likely to succeed: reactivate your account by placing a trade first, then contact XM live chat and explain you were unaware of the fee and have now returned to trading. This demonstrates good faith and makes the case for a partial reversal. The more months of fees that have accumulated, the less likely a full reversal becomes — but one or two months of recent charges is sometimes reversed for first-time occurrences.

📌 How to Request a Fee Reversal from XM Support

  1. Reactivate your account by placing a trade first
  2. Open XM live chat from the Members Area
  3. State: "I was unaware of the inactivity fee policy and have now reactivated my account. I would like to request a goodwill reversal of the recent inactivity charges on account [your account number]."
  4. Provide your account number and the dates the fees were charged
  5. Support will review and respond — outcome is at XM's discretion

XM Inactivity Fee vs Other Brokers — Is $10/Month Standard in the Industry?

XM's inactivity fee is broadly in line with industry norms for internationally regulated brokers. Here is how it compares:

দালাল নিষ্ক্রিয়তা ফি Trigger period Note
xm$10/month90 daysUntil balance = $0
Etoro$10/month12 monthsLonger trigger window
extainess$0n/aNo inactivity fee
HFM$5/month6 monthsLower fee, longer trigger
AvaTrade$50/quarter3 monthsHigher fee than XM

XM's 90-day trigger is one of the shorter windows in the industry — some brokers allow 6–12 months before charging. However, XM's $10/month amount is in line with or below average. If you prefer no inactivity fee at all, some competing brokers offer this — but typically at the cost of other features such as higher spreads or lower leverage.

Frequently Asked Questions — XM Inactivity Fee 2026

XM চার্জ $10 per month on live accounts with no trading activity for 90+ consecutive days. If balance is less than $10, the full remaining balance is deducted. Continues monthly until account is reactivated through trading or balance reaches zero.
After 90 consecutive calendar days with no trades opened or closed on the live account. Only actual trading resets the clock — logging in, depositing funds, or checking your balance does not prevent the fee.
Three options: (1) Trade at least once every 90 days — even 0.01 lot opened and closed immediately resets the clock. (2) Withdraw your balance before 90 days if not planning to trade. (3) Use XM Copy Trading — strategy provider trades mirror to your account and count as activity.
Not automatically. However, contacting XM live chat after reactivating your account and explaining the situation may result in a goodwill reversal of recent charges — especially for first-time occurrences. Reactivate first, then request the reversal.
No. The inactivity fee applies only to live accounts with a positive balance. Demo accounts are not subject to any dormancy charges — they may simply be closed by XM after extended inactivity, but no fee is charged.
XM deducts the entire remaining balance (up to $10). If you have $7, XM deducts $7 and your balance reaches zero. No further fees are charged after the balance hits zero. The account remains open at zero but requires a new deposit to trade again.

Keep Your XM Account Active — Trade from $5, Avoid All Dormancy Fees

XM's inactivity fee is completely avoidable with one trade every 90 days. New accounts start with the $30 no deposit bonus — start trading immediately after verification.

Open XM Account — Start Trading ↗
দাবিত্যাগ: Inactivity fee information is based on XM's published Terms of Service as of May 2026. Fee amounts and trigger periods are subject to change — always verify current terms in your XM Members Area or Terms of Service document. Comparison data for other brokers is approximate and may have changed. For the Indonesian version of this guide, see our XM Indonesia registration guide (Bahasa Indonesia). This page contains affiliate links. Trading Forex and CFDs involves significant risk of loss.