XM Inactivity Fee 2026 \u2014 $10\/Month Explained, How to Avoid It & How to Reactivate Your Account<\/title>\r\n<meta name=\"description\" content=\"Complete guide to XM's inactivity fee 2026: what it is, when it applies, how much is charged, how to avoid the $10\/month fee, and how to reactivate a dormant XM account before losing your balance.\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Sora:wght@400;500;600;700&family=Source+Serif+4:ital,wght@0,400;0,600;1,400&display=swap\" rel=\"stylesheet\">\r\n\r\n<script type=\"application\/ld+json\">\r\n{\r\n \"@context\": \"https:\/\/schema.org\",\r\n \"@type\": \"FAQPage\",\r\n \"mainEntity\": [\r\n {\r\n \"@type\": \"Question\",\r\n \"name\": \"What is the XM inactivity fee?\",\r\n \"acceptedAnswer\": {\r\n \"@type\": \"Answer\",\r\n \"text\": \"XM charges an inactivity fee of $10 per month (or the account balance equivalent if less than $10) when a live trading account has had no trading activity for 90 consecutive days or more. The fee is deducted automatically from the account balance every month until the account is reactivated through trading activity, or until the balance reaches zero. Accounts with zero balance do not incur further inactivity fees.\"\r\n }\r\n },\r\n {\r\n \"@type\": \"Question\",\r\n \"name\": \"When does XM start charging the inactivity fee?\",\r\n \"acceptedAnswer\": {\r\n \"@type\": \"Answer\",\r\n \"text\": \"XM begins charging the $10\/month inactivity fee after 90 consecutive calendar days of no trading activity on a live account. Day 1 of the 90-day count begins the last time a trade was opened or closed on the account. Logging into the Members Area, depositing funds, or checking your account balance does not reset the inactivity clock \u2014 only actual trading activity (opening or closing a trade in MT4\/MT5) resets it.\"\r\n }\r\n },\r\n {\r\n \"@type\": \"Question\",\r\n \"name\": \"How do I avoid the XM inactivity fee?\",\r\n \"acceptedAnswer\": {\r\n \"@type\": \"Answer\",\r\n \"text\": \"To avoid the XM inactivity fee: trade at least once every 90 days on your live account. Opening or closing any trade \u2014 even a single micro lot position on any instrument \u2014 resets the inactivity clock to zero. Alternatively, withdraw your balance before the 90-day mark if you do not plan to trade, to avoid having the fee deducted from your remaining funds.\"\r\n }\r\n },\r\n {\r\n \"@type\": \"Question\",\r\n \"name\": \"Can I get the XM inactivity fee refunded?\",\r\n \"acceptedAnswer\": {\r\n \"@type\": \"Answer\",\r\n \"text\": \"XM's inactivity fee is not automatically refundable once charged. However, contacting XM live chat support after reactivating your account and explaining the circumstances may result in a goodwill reversal of recent charges, particularly for new traders who were unaware of the fee. There is no guarantee of refund \u2014 success depends on your account history and how many months of inactivity fees have accumulated.\"\r\n }\r\n },\r\n {\r\n \"@type\": \"Question\",\r\n \"name\": \"Does the XM inactivity fee apply to demo accounts?\",\r\n \"acceptedAnswer\": {\r\n \"@type\": \"Answer\",\r\n \"text\": \"No. XM's inactivity fee applies only to live trading accounts with a positive balance. Demo accounts are not subject to the inactivity fee. Demo accounts may be closed by XM after extended periods of inactivity, but no fee is charged.\"\r\n }\r\n },\r\n {\r\n \"@type\": \"Question\",\r\n \"name\": \"What happens if my XM account balance is less than $10 when the inactivity fee applies?\",\r\n \"acceptedAnswer\": {\r\n \"@type\": \"Answer\",\r\n \"text\": \"If your account balance is less than $10 when the inactivity fee is due, XM deducts the entire remaining balance (not more than the actual balance). Once the balance reaches zero, no further inactivity fees are charged. 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.faq-icon{font-size:18px;color:var(--red);flex-shrink:0;transition:transform .2s}\r\n .faq-q.open .faq-icon{transform:rotate(45deg)}\r\n .faq-a{display:none;padding:0 18px 15px;font-size:14px;color:var(--g600);line-height:1.7}\r\n .faq-a.open{display:block}\r\n .cta-section{background:var(--red);border-radius:var(--rl);padding:36px 28px;text-align:center;color:#fff;margin:52px 0 36px}\r\n .cta-section h2{border:none;padding:0;margin:0 0 10px;color:#fff;font-size:clamp(17px,4vw,23px)}\r\n .cta-section p{color:rgba(255,255,255,.85);margin-bottom:24px;font-size:15px}\r\n .disclaimer{font-size:12px;color:var(--g400);line-height:1.65;background:var(--g100);border-radius:var(--r);padding:18px;margin-top:32px}\r\n @media(max-width:600px){.hero{padding:36px 16px 44px}h2{margin-top:40px}.cta-section{padding:28px 20px}}\r\n<\/style>\r\n<\/head>\r\n<body>\r\n\r\n<section class=\"hero\">\r\n <span class=\"eyebrow\">XM Inactivity Fee \u2014 Complete Guide 2026<\/span>\r\n <h1>XM Inactivity Fee 2026 \u2014 $10 Per Month Explained, When It Starts, How to Avoid It & How to Reactivate a Dormant Account<\/h1>\r\n <p class=\"hero-sub\">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.<\/p>\r\n <div class=\"hero-pills\">\r\n <div class=\"hpill\">$10\/month <span>After 90 days<\/span><\/div>\r\n <div class=\"hpill\">90 days <span>Inactivity trigger<\/span><\/div>\r\n <div class=\"hpill\">1 trade <span>Resets the clock<\/span><\/div>\r\n <div class=\"hpill\">Free <span>To reactivate<\/span><\/div>\r\n <\/div>\r\n <a href=\"https:\/\/clicks.pipaffiliates.com\/c?c=376664&l=en&p=1\" class=\"btn btn-white\" target=\"_blank\" rel=\"noopener\">Open XM Account \u2014 Trade Actively \u2197<\/a>\r\n<\/section>\r\n\r\n<main class=\"wrap content\">\r\n\r\n <div class=\"author-bar\">\r\n <div class=\"author-av\">XM<\/div>\r\n <div>\r\n <strong>XM Brokers Editorial Team<\/strong>\r\n Updated May 2026 \u00b7 8 min read \u00b7 Verified against XM's published Terms of Service Section 34 (Dormant Accounts)\r\n <\/div>\r\n <\/div>\r\n\r\n <nav class=\"toc\" aria-label=\"Table of contents\">\r\n <p class=\"toc-title\">On this page<\/p>\r\n <ol>\r\n <li><a href=\"#what\">What Is the XM Inactivity Fee?<\/a><\/li>\r\n <li><a href=\"#when\">When Does the 90-Day Clock Start and What Resets It?<\/a><\/li>\r\n <li><a href=\"#example\">Real Example \u2014 How the Fee Depletes a $50 Balance<\/a><\/li>\r\n <li><a href=\"#avoid\">3 Ways to Avoid the XM Inactivity Fee<\/a><\/li>\r\n <li><a href=\"#reactivate\">How to Reactivate a Dormant XM Account<\/a><\/li>\r\n <li><a href=\"#refund\">Can You Get the Inactivity Fee Refunded?<\/a><\/li>\r\n <li><a href=\"#compare\">XM vs Other Brokers \u2014 Inactivity Fee Comparison<\/a><\/li>\r\n <li><a href=\"#faq\">Frequently Asked Questions<\/a><\/li>\r\n <\/ol>\r\n <\/nav>\r\n\r\n <section id=\"what\">\r\n <h2>What Is the XM Inactivity Fee and Why Does XM Charge It?<\/h2>\r\n <p>XM's inactivity fee \u2014 also called a dormancy fee \u2014 is a charge of <strong>$10 per month<\/strong> 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.<\/p>\r\n <p>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.<\/p>\r\n\r\n <div class=\"box box-red\">\r\n <p class=\"box-title red\">\u26a0\ufe0f XM Inactivity Fee \u2014 Key Facts<\/p>\r\n <ul>\r\n <li><strong>Amount:<\/strong> $10 per month (or full remaining balance if less than $10)<\/li>\r\n <li><strong>Trigger:<\/strong> 90 consecutive days of no trading activity on a live account<\/li>\r\n <li><strong>Applies to:<\/strong> Live accounts with a positive balance only<\/li>\r\n <li><strong>Does not apply to:<\/strong> Demo accounts, accounts with zero balance<\/li>\r\n <li><strong>Charged when:<\/strong> Monthly, until reactivated or balance reaches zero<\/li>\r\n <li><strong>Disclosed in:<\/strong> XM's Terms of Service, Section 34 (Dormant Accounts)<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/section>\r\n\r\n <section id=\"when\">\r\n <h2>When Does XM's 90-Day Inactivity Clock Start \u2014 and What Actions Actually Reset It?<\/h2>\r\n <p>This is where most traders get confused \u2014 and where the fee catches people off guard. The inactivity clock is specifically tied to <strong>trading activity<\/strong>, not account activity.<\/p>\r\n\r\n <h3>What Resets the Inactivity Clock \u2014 Trading Activity Only<\/h3>\r\n <p>The following actions <strong>reset the 90-day clock<\/strong> to zero:<\/p>\r\n <ul>\r\n <li>Opening any trade in MT4 or MT5 (even 0.01 lot on any instrument)<\/li>\r\n <li>Closing any existing open trade in MT4 or MT5<\/li>\r\n <\/ul>\r\n\r\n <h3>What Does NOT Reset the Inactivity Clock<\/h3>\r\n <p>Many traders assume any account interaction prevents the fee \u2014 this is incorrect. The following actions <strong>do not reset<\/strong> the clock:<\/p>\r\n <ul>\r\n <li>Logging into the Members Area (my.xm.com)<\/li>\r\n <li>Logging into MT4 or MT5 without placing a trade<\/li>\r\n <li>Making a deposit into the account<\/li>\r\n <li>Watching the markets or using XM's educational content<\/li>\r\n <li>Checking your account balance or trade history<\/li>\r\n <li>Contacting XM support<\/li>\r\n <\/ul>\r\n\r\n <div class=\"alert-red\">\r\n <strong>Critical clarification:<\/strong> 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.\r\n <\/div>\r\n <\/section>\r\n\r\n <section id=\"example\">\r\n <h2>Real Example \u2014 How the $10\/Month XM Inactivity Fee Depletes a $50 Balance Over Time<\/h2>\r\n <p>Here is a concrete example of what happens to a $50 account that has been inactive for 90+ days with no action taken:<\/p>\r\n\r\n <div class=\"timeline\">\r\n <div class=\"tl-item\">\r\n <div class=\"tl-dot dot-ok\">Day 0<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-title\">Last trade closed \u2014 inactivity clock starts<\/div>\r\n <div class=\"tl-desc\">Account balance: $50. No further trades are placed. The 90-day countdown begins.<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"tl-item\">\r\n <div class=\"tl-dot dot-ok\">Day 90<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-title\">90 days reached \u2014 account is now dormant<\/div>\r\n <div class=\"tl-desc\">No notification is sent before the first fee is charged. XM deducts <strong>$10<\/strong>. Balance: <strong>$40<\/strong>.<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"tl-item\">\r\n <div class=\"tl-dot dot-warn\">Day 120<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-title\">Month 2 \u2014 second $10 deducted<\/div>\r\n <div class=\"tl-desc\">Another $10 inactivity fee charged. Balance: <strong>$30<\/strong>.<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"tl-item\">\r\n <div class=\"tl-dot dot-warn\">Day 150<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-title\">Month 3 \u2014 third $10 deducted<\/div>\r\n <div class=\"tl-desc\">Another $10 fee. Balance: <strong>$20<\/strong>.<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"tl-item\">\r\n <div class=\"tl-dot dot-bad\">Day 180<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-title\">Month 4 \u2014 balance drops to $10<\/div>\r\n <div class=\"tl-desc\">$10 fee charged. Balance: <strong>$10<\/strong>.<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"tl-item\">\r\n <div class=\"tl-dot dot-bad\">Day 210<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-title\">Month 5 \u2014 balance reaches zero<\/div>\r\n <div class=\"tl-desc\">Final $10 deducted. Balance: <strong>$0<\/strong>. No further fees charged. The original $50 deposit is completely depleted through inactivity fees in 7 months of no trading.<\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"calc-box\">\r\n <div class=\"calc-row\"><span class=\"calc-label\">Original deposit<\/span><span class=\"calc-val\">$50.00<\/span><\/div>\r\n <div class=\"calc-row\"><span class=\"calc-label\">Months to depletion at $10\/month<\/span><span class=\"calc-val\">5 months<\/span><\/div>\r\n <div class=\"calc-row\"><span class=\"calc-label\">Total inactivity fees paid<\/span><span class=\"calc-val red\">-$50.00<\/span><\/div>\r\n <div class=\"calc-row\"><span class=\"calc-label\">Remaining balance<\/span><span class=\"calc-val red\">$0.00<\/span><\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n <section id=\"avoid\">\r\n <h2>3 Proven Ways to Avoid the XM $10\/Month Inactivity Fee<\/h2>\r\n\r\n <div class=\"box box-green\">\r\n <p class=\"box-title green\">\u2705 Method 1 \u2014 Trade at Least Once Every 90 Days (Simplest)<\/p>\r\n <p>The easiest and most straightforward way. Open any trade \u2014 even the smallest 0.01 lot position on any instrument \u2014 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.<\/p>\r\n <\/div>\r\n\r\n <div class=\"box box-blue\">\r\n <p class=\"box-title blue\">\u2705 Method 2 \u2014 Withdraw Your Balance Before 90 Days Elapses<\/p>\r\n <p>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.<\/p>\r\n <\/div>\r\n\r\n <div class=\"box box-gray\">\r\n <p class=\"box-title\" style=\"color:var(--g800)\">\u2705 Method 3 \u2014 Use XM Copy Trading to Maintain Activity Automatically<\/p>\r\n <p>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 \u2014 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.<\/p>\r\n <\/div>\r\n\r\n <div class=\"tip-green\">\r\n <strong>Simplest rule:<\/strong> 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 \u2014 infinitely cheaper than the $10\/month inactivity fee.\r\n <\/div>\r\n <\/section>\r\n\r\n <section id=\"reactivate\">\r\n <h2>How to Reactivate a Dormant XM Account That Is Already Being Charged Inactivity Fees<\/h2>\r\n <p>If your account is already dormant and being charged, the fix is simple and free \u2014 there is no reactivation fee or form to complete.<\/p>\r\n <ol>\r\n <li>Log into your XM Members Area at <strong>my.xm.com<\/strong> and check your current balance. If the balance is above zero, proceed.<\/li>\r\n <li>Download and open MT4 or MT5 (or use XM WebTrader in your browser \u2014 no download needed).<\/li>\r\n <li>Log in to your XM trading account using your 8-digit account number and trading password. Server: <code>XMGlobal-Real 1<\/code> for most global accounts.<\/li>\r\n <li>Place any trade \u2014 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.<\/li>\r\n <li>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.<\/li>\r\n <\/ol>\r\n\r\n <div class=\"warning\">\r\n <strong>Check your balance first:<\/strong> 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.\r\n <\/div>\r\n <\/section>\r\n\r\n <section id=\"refund\">\r\n <h2>Can You Get the XM Inactivity Fee Refunded \u2014 What Support Can and Cannot Do<\/h2>\r\n <p>XM's Terms of Service state that the inactivity fee is a legitimate charge for dormant accounts \u2014 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.<\/p>\r\n <p>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 \u2014 but one or two months of recent charges is sometimes reversed for first-time occurrences.<\/p>\r\n\r\n <div class=\"box box-blue\">\r\n <p class=\"box-title blue\">\ud83d\udccc How to Request a Fee Reversal from XM Support<\/p>\r\n <ol>\r\n <li>Reactivate your account by placing a trade first<\/li>\r\n <li>Open XM live chat from the Members Area<\/li>\r\n <li>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].\"<\/li>\r\n <li>Provide your account number and the dates the fees were charged<\/li>\r\n <li>Support will review and respond \u2014 outcome is at XM's discretion<\/li>\r\n <\/ol>\r\n <\/div>\r\n <\/section>\r\n\r\n <section id=\"compare\">\r\n <h2>XM Inactivity Fee vs Other Brokers \u2014 Is $10\/Month Standard in the Industry?<\/h2>\r\n <p>XM's inactivity fee is broadly in line with industry norms for internationally regulated brokers. Here is how it compares:<\/p>\r\n\r\n <div class=\"tbl-wrap\" style=\"overflow-x:auto;margin:20px 0\">\r\n <table style=\"width:100%;border-collapse:collapse;font-size:14px;min-width:380px\">\r\n <thead><tr>\r\n <th style=\"background:var(--red);color:#fff;font-family:var(--fh);font-weight:600;padding:11px 13px;text-align:left;border-radius:8px 0 0 0\">Broker<\/th>\r\n <th style=\"background:var(--red);color:#fff;font-family:var(--fh);font-weight:600;padding:11px 13px\">Inactivity fee<\/th>\r\n <th style=\"background:var(--red);color:#fff;font-family:var(--fh);font-weight:600;padding:11px 13px\">Trigger period<\/th>\r\n <th style=\"background:var(--red);color:#fff;font-family:var(--fh);font-weight:600;padding:11px 13px;border-radius:0 8px 0 0\">Note<\/th>\r\n <\/tr><\/thead>\r\n <tbody>\r\n <tr><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200);font-weight:500;font-family:var(--fh)\">XM<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\">$10\/month<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\">90 days<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\">Until balance = $0<\/td><\/tr>\r\n <tr style=\"background:var(--g50)\"><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200);font-weight:500;font-family:var(--fh)\">eToro<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\">$10\/month<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\">12 months<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\">Longer trigger window<\/td><\/tr>\r\n <tr><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200);font-weight:500;font-family:var(--fh)\">Exness<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\" style=\"color:var(--green);font-weight:600\">$0<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\">N\/A<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\">No inactivity fee<\/td><\/tr>\r\n <tr style=\"background:var(--g50)\"><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200);font-weight:500;font-family:var(--fh)\">HFM<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\">$5\/month<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\">6 months<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\">Lower fee, longer trigger<\/td><\/tr>\r\n <tr><td style=\"padding:10px 13px;font-weight:500;font-family:var(--fh)\">AvaTrade<\/td><td style=\"padding:10px 13px\">$50\/quarter<\/td><td style=\"padding:10px 13px\">3 months<\/td><td style=\"padding:10px 13px\">Higher fee than XM<\/td><\/tr>\r\n <\/tbody>\r\n <\/table>\r\n <\/div>\r\n\r\n <p>XM's 90-day trigger is one of the shorter windows in the industry \u2014 some brokers allow 6\u201312 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 \u2014 but typically at the cost of other features such as higher spreads or lower leverage.<\/p>\r\n <\/section>\r\n\r\n <section id=\"faq\">\r\n <h2>Frequently Asked Questions \u2014 XM Inactivity Fee 2026<\/h2>\r\n\r\n <div class=\"faq-item\">\r\n <button class=\"faq-q\" aria-expanded=\"false\">What is the XM inactivity fee? <span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-a\">XM charges <strong>$10 per month<\/strong> 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.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-q\" aria-expanded=\"false\">When does XM start charging the inactivity fee? <span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-a\">After <strong>90 consecutive calendar days<\/strong> with no trades opened or closed on the live account. Only actual trading resets the clock \u2014 logging in, depositing funds, or checking your balance does not prevent the fee.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-q\" aria-expanded=\"false\">How do I avoid the XM inactivity fee? <span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-a\">Three options: (1) Trade at least once every 90 days \u2014 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 \u2014 strategy provider trades mirror to your account and count as activity.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-q\" aria-expanded=\"false\">Can I get the XM inactivity fee refunded? <span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-a\">Not automatically. However, contacting XM live chat after reactivating your account and explaining the situation may result in a goodwill reversal of recent charges \u2014 especially for first-time occurrences. Reactivate first, then request the reversal.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-q\" aria-expanded=\"false\">Does the XM inactivity fee apply to demo accounts? <span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-a\">No. The inactivity fee applies only to live accounts with a positive balance. Demo accounts are not subject to any dormancy charges \u2014 they may simply be closed by XM after extended inactivity, but no fee is charged.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-q\" aria-expanded=\"false\">What if my XM balance is less than $10 when the inactivity fee applies? <span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-a\">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.<\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n <div class=\"cta-section\">\r\n <h2>Keep Your XM Account Active \u2014 Trade from $5, Avoid All Dormancy Fees<\/h2>\r\n <p>XM's inactivity fee is completely avoidable with one trade every 90 days. New accounts start with the $30 no deposit bonus \u2014 start trading immediately after verification.<\/p>\r\n <a href=\"https:\/\/clicks.pipaffiliates.com\/c?c=376664&l=en&p=1\" class=\"btn btn-white\" target=\"_blank\" rel=\"noopener\">Open XM Account \u2014 Start Trading \u2197<\/a>\r\n <\/div>\r\n\r\n <div class=\"disclaimer\">\r\n <strong>Disclaimer:<\/strong> 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 \u2014 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 <a href=\"https:\/\/exem-register.com\/xm-indonesia-daftar-dan-login\/\" style=\"color:inherit\">XM Indonesia registration guide (Bahasa Indonesia)<\/a>. This page contains affiliate links. Trading Forex and CFDs involves significant risk of loss.\r\n <\/div>\r\n\r\n<\/main>\r\n\r\n<script>\r\n document.querySelectorAll('.faq-q').forEach(function(btn){\r\n btn.addEventListener('click',function(){\r\n var open=this.classList.toggle('open');\r\n this.setAttribute('aria-expanded',open);\r\n this.nextElementSibling.classList.toggle('open',open);\r\n });\r\n });\r\n<\/script>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p> XM Inactivity Fee \u2014 Complete Guide 2026 XM Inactivity Fee 2026 \u2014 $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 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2262","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"trp-custom-language-flag":false},"uagb_author_info":{"display_name":"nurhadi.bisnis@gmail.com","author_link":"https:\/\/exem-register.com\/tr\/author\/nurhadi-bisnisgmail-com\/"},"uagb_comment_info":0,"uagb_excerpt":" XM Inactivity Fee \u2014 Complete Guide 2026 XM Inactivity Fee 2026 \u2014 $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 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\n\t\t\t\t\t\r\n\r\n\r\n\r\n\r\nXM Inactivity Fee 2026 \u2014 $10\/Month Explained, How to Avoid It & How to Reactivate Your Account<\/title>\r\n<meta name=\"description\" content=\"Complete guide to XM's inactivity fee 2026: what it is, when it applies, how much is charged, how to avoid the $10\/month fee, and how to reactivate a dormant XM account before losing your balance.\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Sora:wght@400;500;600;700&family=Source+Serif+4:ital,wght@0,400;0,600;1,400&display=swap\" rel=\"stylesheet\">\r\n\r\n<script type=\"application\/ld+json\">\r\n{\r\n \"@context\": \"https:\/\/schema.org\",\r\n \"@type\": \"FAQPage\",\r\n \"mainEntity\": [\r\n {\r\n \"@type\": \"Question\",\r\n \"name\": \"What is the XM inactivity fee?\",\r\n \"acceptedAnswer\": {\r\n \"@type\": \"Answer\",\r\n \"text\": \"XM charges an inactivity fee of $10 per month (or the account balance equivalent if less than $10) when a live trading account has had no trading activity for 90 consecutive days or more. The fee is deducted automatically from the account balance every month until the account is reactivated through trading activity, or until the balance reaches zero. Accounts with zero balance do not incur further inactivity fees.\"\r\n }\r\n },\r\n {\r\n \"@type\": \"Question\",\r\n \"name\": \"When does XM start charging the inactivity fee?\",\r\n \"acceptedAnswer\": {\r\n \"@type\": \"Answer\",\r\n \"text\": \"XM begins charging the $10\/month inactivity fee after 90 consecutive calendar days of no trading activity on a live account. Day 1 of the 90-day count begins the last time a trade was opened or closed on the account. Logging into the Members Area, depositing funds, or checking your account balance does not reset the inactivity clock \u2014 only actual trading activity (opening or closing a trade in MT4\/MT5) resets it.\"\r\n }\r\n },\r\n {\r\n \"@type\": \"Question\",\r\n \"name\": \"How do I avoid the XM inactivity fee?\",\r\n \"acceptedAnswer\": {\r\n \"@type\": \"Answer\",\r\n \"text\": \"To avoid the XM inactivity fee: trade at least once every 90 days on your live account. Opening or closing any trade \u2014 even a single micro lot position on any instrument \u2014 resets the inactivity clock to zero. Alternatively, withdraw your balance before the 90-day mark if you do not plan to trade, to avoid having the fee deducted from your remaining funds.\"\r\n }\r\n },\r\n {\r\n \"@type\": \"Question\",\r\n \"name\": \"Can I get the XM inactivity fee refunded?\",\r\n \"acceptedAnswer\": {\r\n \"@type\": \"Answer\",\r\n \"text\": \"XM's inactivity fee is not automatically refundable once charged. However, contacting XM live chat support after reactivating your account and explaining the circumstances may result in a goodwill reversal of recent charges, particularly for new traders who were unaware of the fee. There is no guarantee of refund \u2014 success depends on your account history and how many months of inactivity fees have accumulated.\"\r\n }\r\n },\r\n {\r\n \"@type\": \"Question\",\r\n \"name\": \"Does the XM inactivity fee apply to demo accounts?\",\r\n \"acceptedAnswer\": {\r\n \"@type\": \"Answer\",\r\n \"text\": \"No. XM's inactivity fee applies only to live trading accounts with a positive balance. Demo accounts are not subject to the inactivity fee. Demo accounts may be closed by XM after extended periods of inactivity, but no fee is charged.\"\r\n }\r\n },\r\n {\r\n \"@type\": \"Question\",\r\n \"name\": \"What happens if my XM account balance is less than $10 when the inactivity fee applies?\",\r\n \"acceptedAnswer\": {\r\n \"@type\": \"Answer\",\r\n \"text\": \"If your account balance is less than $10 when the inactivity fee is due, XM deducts the entire remaining balance (not more than the actual balance). Once the balance reaches zero, no further inactivity fees are charged. The account remains open at zero balance but cannot be traded until funded again.\"\r\n }\r\n }\r\n ]\r\n}\r\n<\/script>\r\n\r\n<style>\r\n :root{\r\n --red:#cc0000;--red-dark:#a30000;--red-muted:#fff0f0;--red-border:#ffc5c5;\r\n --white:#fff;--g50:#fafafa;--g100:#f4f4f4;--g200:#e8e8e8;\r\n --g400:#aaa;--g600:#555;--g800:#1e1e1e;\r\n --green:#1a7a3a;--green-bg:#edfaf2;--green-bd:#a3d9b5;\r\n --gold:#b8860b;--gold-bg:#fffbe6;--gold-bd:#f0d565;\r\n --blue-bg:#edf4ff;--blue-bd:#b3cff7;--blue-tx:#1a4b8a;\r\n --fh:'Sora',sans-serif;--fb:'Source Serif 4',serif;\r\n --r:10px;--rl:16px;--max:800px;\r\n }\r\n *,*::before,*::after{box-sizing:border-box;margin:0;padding:0}\r\n body{font-family:var(--fb);font-size:17px;line-height:1.78;color:var(--g800);background:var(--white)}\r\n .wrap{max-width:var(--max);margin:0 auto;padding:0 20px}\r\n .hero{background:var(--red);color:#fff;padding:48px 20px 56px;text-align:center;position:relative;overflow:hidden}\r\n 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\u2014 $10 Per Month Explained, When It Starts, How to Avoid It & How to Reactivate a Dormant Account<\/h1>\r\n <p class=\"hero-sub\">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.<\/p>\r\n <div class=\"hero-pills\">\r\n <div class=\"hpill\">$10\/month <span>After 90 days<\/span><\/div>\r\n <div class=\"hpill\">90 days <span>Inactivity trigger<\/span><\/div>\r\n <div class=\"hpill\">1 trade <span>Resets the clock<\/span><\/div>\r\n <div class=\"hpill\">Free <span>To reactivate<\/span><\/div>\r\n <\/div>\r\n <a href=\"https:\/\/clicks.pipaffiliates.com\/c?c=376664&l=en&p=1\" class=\"btn btn-white\" target=\"_blank\" rel=\"noopener\">Open XM Account \u2014 Trade Actively \u2197<\/a>\r\n<\/section>\r\n\r\n<main class=\"wrap content\">\r\n\r\n <div class=\"author-bar\">\r\n <div class=\"author-av\">XM<\/div>\r\n <div>\r\n <strong>XM Brokers Editorial Team<\/strong>\r\n Updated May 2026 \u00b7 8 min read \u00b7 Verified against XM's published Terms of Service Section 34 (Dormant Accounts)\r\n <\/div>\r\n <\/div>\r\n\r\n <nav class=\"toc\" aria-label=\"Table of contents\">\r\n <p class=\"toc-title\">On this page<\/p>\r\n <ol>\r\n <li><a href=\"#what\">What Is the XM Inactivity Fee?<\/a><\/li>\r\n <li><a href=\"#when\">When Does the 90-Day Clock Start and What Resets It?<\/a><\/li>\r\n <li><a href=\"#example\">Real Example \u2014 How the Fee Depletes a $50 Balance<\/a><\/li>\r\n <li><a href=\"#avoid\">3 Ways to Avoid the XM Inactivity Fee<\/a><\/li>\r\n <li><a href=\"#reactivate\">How to Reactivate a Dormant XM Account<\/a><\/li>\r\n <li><a href=\"#refund\">Can You Get the Inactivity Fee Refunded?<\/a><\/li>\r\n <li><a href=\"#compare\">XM vs Other Brokers \u2014 Inactivity Fee Comparison<\/a><\/li>\r\n <li><a href=\"#faq\">Frequently Asked Questions<\/a><\/li>\r\n <\/ol>\r\n <\/nav>\r\n\r\n <section id=\"what\">\r\n <h2>What Is the XM Inactivity Fee and Why Does XM Charge It?<\/h2>\r\n <p>XM's inactivity fee \u2014 also called a dormancy fee \u2014 is a charge of <strong>$10 per month<\/strong> 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.<\/p>\r\n <p>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.<\/p>\r\n\r\n <div class=\"box box-red\">\r\n <p class=\"box-title red\">\u26a0\ufe0f XM Inactivity Fee \u2014 Key Facts<\/p>\r\n <ul>\r\n <li><strong>Amount:<\/strong> $10 per month (or full remaining balance if less than $10)<\/li>\r\n <li><strong>Trigger:<\/strong> 90 consecutive days of no trading activity on a live account<\/li>\r\n <li><strong>Applies to:<\/strong> Live accounts with a positive balance only<\/li>\r\n <li><strong>Does not apply to:<\/strong> Demo accounts, accounts with zero balance<\/li>\r\n <li><strong>Charged when:<\/strong> Monthly, until reactivated or balance reaches zero<\/li>\r\n <li><strong>Disclosed in:<\/strong> XM's Terms of Service, Section 34 (Dormant Accounts)<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/section>\r\n\r\n <section id=\"when\">\r\n <h2>When Does XM's 90-Day Inactivity Clock Start \u2014 and What Actions Actually Reset It?<\/h2>\r\n <p>This is where most traders get confused \u2014 and where the fee catches people off guard. The inactivity clock is specifically tied to <strong>trading activity<\/strong>, not account activity.<\/p>\r\n\r\n <h3>What Resets the Inactivity Clock \u2014 Trading Activity Only<\/h3>\r\n <p>The following actions <strong>reset the 90-day clock<\/strong> to zero:<\/p>\r\n <ul>\r\n <li>Opening any trade in MT4 or MT5 (even 0.01 lot on any instrument)<\/li>\r\n <li>Closing any existing open trade in MT4 or MT5<\/li>\r\n <\/ul>\r\n\r\n <h3>What Does NOT Reset the Inactivity Clock<\/h3>\r\n <p>Many traders assume any account interaction prevents the fee \u2014 this is incorrect. The following actions <strong>do not reset<\/strong> the clock:<\/p>\r\n <ul>\r\n <li>Logging into the Members Area (my.xm.com)<\/li>\r\n <li>Logging into MT4 or MT5 without placing a trade<\/li>\r\n <li>Making a deposit into the account<\/li>\r\n <li>Watching the markets or using XM's educational content<\/li>\r\n <li>Checking your account balance or trade history<\/li>\r\n <li>Contacting XM support<\/li>\r\n <\/ul>\r\n\r\n <div class=\"alert-red\">\r\n <strong>Critical clarification:<\/strong> 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.\r\n <\/div>\r\n <\/section>\r\n\r\n <section id=\"example\">\r\n <h2>Real Example \u2014 How the $10\/Month XM Inactivity Fee Depletes a $50 Balance Over Time<\/h2>\r\n <p>Here is a concrete example of what happens to a $50 account that has been inactive for 90+ days with no action taken:<\/p>\r\n\r\n <div class=\"timeline\">\r\n <div class=\"tl-item\">\r\n <div class=\"tl-dot dot-ok\">Day 0<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-title\">Last trade closed \u2014 inactivity clock starts<\/div>\r\n <div class=\"tl-desc\">Account balance: $50. No further trades are placed. The 90-day countdown begins.<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"tl-item\">\r\n <div class=\"tl-dot dot-ok\">Day 90<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-title\">90 days reached \u2014 account is now dormant<\/div>\r\n <div class=\"tl-desc\">No notification is sent before the first fee is charged. XM deducts <strong>$10<\/strong>. Balance: <strong>$40<\/strong>.<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"tl-item\">\r\n <div class=\"tl-dot dot-warn\">Day 120<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-title\">Month 2 \u2014 second $10 deducted<\/div>\r\n <div class=\"tl-desc\">Another $10 inactivity fee charged. Balance: <strong>$30<\/strong>.<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"tl-item\">\r\n <div class=\"tl-dot dot-warn\">Day 150<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-title\">Month 3 \u2014 third $10 deducted<\/div>\r\n <div class=\"tl-desc\">Another $10 fee. Balance: <strong>$20<\/strong>.<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"tl-item\">\r\n <div class=\"tl-dot dot-bad\">Day 180<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-title\">Month 4 \u2014 balance drops to $10<\/div>\r\n <div class=\"tl-desc\">$10 fee charged. Balance: <strong>$10<\/strong>.<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"tl-item\">\r\n <div class=\"tl-dot dot-bad\">Day 210<\/div>\r\n <div class=\"tl-body\">\r\n <div class=\"tl-title\">Month 5 \u2014 balance reaches zero<\/div>\r\n <div class=\"tl-desc\">Final $10 deducted. Balance: <strong>$0<\/strong>. No further fees charged. The original $50 deposit is completely depleted through inactivity fees in 7 months of no trading.<\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"calc-box\">\r\n <div class=\"calc-row\"><span class=\"calc-label\">Original deposit<\/span><span class=\"calc-val\">$50.00<\/span><\/div>\r\n <div class=\"calc-row\"><span class=\"calc-label\">Months to depletion at $10\/month<\/span><span class=\"calc-val\">5 months<\/span><\/div>\r\n <div class=\"calc-row\"><span class=\"calc-label\">Total inactivity fees paid<\/span><span class=\"calc-val red\">-$50.00<\/span><\/div>\r\n <div class=\"calc-row\"><span class=\"calc-label\">Remaining balance<\/span><span class=\"calc-val red\">$0.00<\/span><\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n <section id=\"avoid\">\r\n <h2>3 Proven Ways to Avoid the XM $10\/Month Inactivity Fee<\/h2>\r\n\r\n <div class=\"box box-green\">\r\n <p class=\"box-title green\">\u2705 Method 1 \u2014 Trade at Least Once Every 90 Days (Simplest)<\/p>\r\n <p>The easiest and most straightforward way. Open any trade \u2014 even the smallest 0.01 lot position on any instrument \u2014 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.<\/p>\r\n <\/div>\r\n\r\n <div class=\"box box-blue\">\r\n <p class=\"box-title blue\">\u2705 Method 2 \u2014 Withdraw Your Balance Before 90 Days Elapses<\/p>\r\n <p>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.<\/p>\r\n <\/div>\r\n\r\n <div class=\"box box-gray\">\r\n <p class=\"box-title\" style=\"color:var(--g800)\">\u2705 Method 3 \u2014 Use XM Copy Trading to Maintain Activity Automatically<\/p>\r\n <p>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 \u2014 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.<\/p>\r\n <\/div>\r\n\r\n <div class=\"tip-green\">\r\n <strong>Simplest rule:<\/strong> 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 \u2014 infinitely cheaper than the $10\/month inactivity fee.\r\n <\/div>\r\n <\/section>\r\n\r\n <section id=\"reactivate\">\r\n <h2>How to Reactivate a Dormant XM Account That Is Already Being Charged Inactivity Fees<\/h2>\r\n <p>If your account is already dormant and being charged, the fix is simple and free \u2014 there is no reactivation fee or form to complete.<\/p>\r\n <ol>\r\n <li>Log into your XM Members Area at <strong>my.xm.com<\/strong> and check your current balance. If the balance is above zero, proceed.<\/li>\r\n <li>Download and open MT4 or MT5 (or use XM WebTrader in your browser \u2014 no download needed).<\/li>\r\n <li>Log in to your XM trading account using your 8-digit account number and trading password. Server: <code>XMGlobal-Real 1<\/code> for most global accounts.<\/li>\r\n <li>Place any trade \u2014 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.<\/li>\r\n <li>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.<\/li>\r\n <\/ol>\r\n\r\n <div class=\"warning\">\r\n <strong>Check your balance first:<\/strong> 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.\r\n <\/div>\r\n <\/section>\r\n\r\n <section id=\"refund\">\r\n <h2>Can You Get the XM Inactivity Fee Refunded \u2014 What Support Can and Cannot Do<\/h2>\r\n <p>XM's Terms of Service state that the inactivity fee is a legitimate charge for dormant accounts \u2014 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.<\/p>\r\n <p>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 \u2014 but one or two months of recent charges is sometimes reversed for first-time occurrences.<\/p>\r\n\r\n <div class=\"box box-blue\">\r\n <p class=\"box-title blue\">\ud83d\udccc How to Request a Fee Reversal from XM Support<\/p>\r\n <ol>\r\n <li>Reactivate your account by placing a trade first<\/li>\r\n <li>Open XM live chat from the Members Area<\/li>\r\n <li>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].\"<\/li>\r\n <li>Provide your account number and the dates the fees were charged<\/li>\r\n <li>Support will review and respond \u2014 outcome is at XM's discretion<\/li>\r\n <\/ol>\r\n <\/div>\r\n <\/section>\r\n\r\n <section id=\"compare\">\r\n <h2>XM Inactivity Fee vs Other Brokers \u2014 Is $10\/Month Standard in the Industry?<\/h2>\r\n <p>XM's inactivity fee is broadly in line with industry norms for internationally regulated brokers. Here is how it compares:<\/p>\r\n\r\n <div class=\"tbl-wrap\" style=\"overflow-x:auto;margin:20px 0\">\r\n <table style=\"width:100%;border-collapse:collapse;font-size:14px;min-width:380px\">\r\n <thead><tr>\r\n <th style=\"background:var(--red);color:#fff;font-family:var(--fh);font-weight:600;padding:11px 13px;text-align:left;border-radius:8px 0 0 0\">Broker<\/th>\r\n <th style=\"background:var(--red);color:#fff;font-family:var(--fh);font-weight:600;padding:11px 13px\">Inactivity fee<\/th>\r\n <th style=\"background:var(--red);color:#fff;font-family:var(--fh);font-weight:600;padding:11px 13px\">Trigger period<\/th>\r\n <th style=\"background:var(--red);color:#fff;font-family:var(--fh);font-weight:600;padding:11px 13px;border-radius:0 8px 0 0\">Note<\/th>\r\n <\/tr><\/thead>\r\n <tbody>\r\n <tr><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200);font-weight:500;font-family:var(--fh)\">XM<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\">$10\/month<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\">90 days<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\">Until balance = $0<\/td><\/tr>\r\n <tr style=\"background:var(--g50)\"><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200);font-weight:500;font-family:var(--fh)\">eToro<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\">$10\/month<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\">12 months<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\">Longer trigger window<\/td><\/tr>\r\n <tr><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200);font-weight:500;font-family:var(--fh)\">Exness<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\" style=\"color:var(--green);font-weight:600\">$0<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\">N\/A<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\">No inactivity fee<\/td><\/tr>\r\n <tr style=\"background:var(--g50)\"><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200);font-weight:500;font-family:var(--fh)\">HFM<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\">$5\/month<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\">6 months<\/td><td style=\"padding:10px 13px;border-bottom:1px solid var(--g200)\">Lower fee, longer trigger<\/td><\/tr>\r\n <tr><td style=\"padding:10px 13px;font-weight:500;font-family:var(--fh)\">AvaTrade<\/td><td style=\"padding:10px 13px\">$50\/quarter<\/td><td style=\"padding:10px 13px\">3 months<\/td><td style=\"padding:10px 13px\">Higher fee than XM<\/td><\/tr>\r\n <\/tbody>\r\n <\/table>\r\n <\/div>\r\n\r\n <p>XM's 90-day trigger is one of the shorter windows in the industry \u2014 some brokers allow 6\u201312 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 \u2014 but typically at the cost of other features such as higher spreads or lower leverage.<\/p>\r\n <\/section>\r\n\r\n <section id=\"faq\">\r\n <h2>Frequently Asked Questions \u2014 XM Inactivity Fee 2026<\/h2>\r\n\r\n <div class=\"faq-item\">\r\n <button class=\"faq-q\" aria-expanded=\"false\">What is the XM inactivity fee? <span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-a\">XM charges <strong>$10 per month<\/strong> 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.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-q\" aria-expanded=\"false\">When does XM start charging the inactivity fee? <span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-a\">After <strong>90 consecutive calendar days<\/strong> with no trades opened or closed on the live account. Only actual trading resets the clock \u2014 logging in, depositing funds, or checking your balance does not prevent the fee.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-q\" aria-expanded=\"false\">How do I avoid the XM inactivity fee? <span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-a\">Three options: (1) Trade at least once every 90 days \u2014 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 \u2014 strategy provider trades mirror to your account and count as activity.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-q\" aria-expanded=\"false\">Can I get the XM inactivity fee refunded? <span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-a\">Not automatically. However, contacting XM live chat after reactivating your account and explaining the situation may result in a goodwill reversal of recent charges \u2014 especially for first-time occurrences. Reactivate first, then request the reversal.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-q\" aria-expanded=\"false\">Does the XM inactivity fee apply to demo accounts? <span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-a\">No. The inactivity fee applies only to live accounts with a positive balance. Demo accounts are not subject to any dormancy charges \u2014 they may simply be closed by XM after extended inactivity, but no fee is charged.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-q\" aria-expanded=\"false\">What if my XM balance is less than $10 when the inactivity fee applies? <span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-a\">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.<\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n <div class=\"cta-section\">\r\n <h2>Keep Your XM Account Active \u2014 Trade from $5, Avoid All Dormancy Fees<\/h2>\r\n <p>XM's inactivity fee is completely avoidable with one trade every 90 days. New accounts start with the $30 no deposit bonus \u2014 start trading immediately after verification.<\/p>\r\n <a href=\"https:\/\/clicks.pipaffiliates.com\/c?c=376664&l=en&p=1\" class=\"btn btn-white\" target=\"_blank\" rel=\"noopener\">Open XM Account \u2014 Start Trading \u2197<\/a>\r\n <\/div>\r\n\r\n <div class=\"disclaimer\">\r\n <strong>Disclaimer:<\/strong> 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 \u2014 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 <a href=\"https:\/\/exem-register.com\/xm-indonesia-daftar-dan-login\/\" style=\"color:inherit\">XM Indonesia registration guide (Bahasa Indonesia)<\/a>. This page contains affiliate links. Trading Forex and CFDs involves significant risk of loss.\r\n <\/div>\r\n\r\n<\/main>\r\n\r\n<script>\r\n document.querySelectorAll('.faq-q').forEach(function(btn){\r\n btn.addEventListener('click',function(){\r\n var open=this.classList.toggle('open');\r\n this.setAttribute('aria-expanded',open);\r\n this.nextElementSibling.classList.toggle('open',open);\r\n });\r\n });\r\n<\/script>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p> XM Inactivity Fee \u2014 Complete Guide 2026 XM Inactivity Fee 2026 \u2014 $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 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it, how the fee 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