XM Swap Free Account — How to Activate, Hidden Fees & Full Guide (2026)

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exem-register.com Editorial TeamUpdated June 2026 · Based on real trader complaints and live account testing

Feature	Details
Eligible account types	Micro, Standard, Ultra Low, Zero
Extra fee from XM	None — XM does not charge for swap-free
Admin/handling fee	May apply on some instruments after 3+ days hold
Available entities	IFSC, CySEC, ASIC (availability varies)
Activation time	1 business day after request
How to verify	Check MT4 → Toolbox → Terminal → overnight positions for $0 swap

How to ActivateStep-by-Step: How to Get XM Swap Free Status

Open any XM account (if not already done)

You need a verified live account first. Swap-free status cannot be applied to demo accounts.

✅ Action

Open an XM Micro, Standard, Ultra Low, or Zero account via the registration link on this page. Enter partner code 6JBMJ. Complete KYC (ID + proof of address).

Request swap-free status via Members Area

Swap-free cannot be self-activated by clicking a button — it requires XM to manually apply it to your account.

✅ Two methods

Method 1 — Members Area: Login → Account Management → find your account → look for "Request Swap-Free" or "Islamic Account" toggle (availability varies by region).

Method 2 — Live Chat: Contact XM live chat and state: "I would like to convert my account [number] to swap-free/Islamic status for religious reasons." No documentation required in most regions — XM takes your declaration in good faith.

Wait for confirmation — typically 1 business day

XM's compliance team processes swap-free requests. You receive an email confirmation when it is applied.

✅ Verification

After activation, verify in MT4/MT5: hold a position past midnight server time. Check the Swap column in the Trade tab at the bottom — it should show 0.00 on your next trading day. If not zero, contact XM to confirm the activation was applied correctly.

Hidden FeesAre There Hidden Fees on XM Islamic Account?

⚠️ Admin fees on long-held positions — what to know

XM does not charge a swap on Islamic accounts — but for positions held open for 3 or more days, XM may apply an administration fee on some instruments (primarily exotic FX pairs, indices, and some commodities). This fee varies by instrument and replaces the economic equivalent of the swap.

Check the specific admin fee for each instrument before holding positions long-term: MT4 → Market Watch → right-click instrument → Specification → look for "Swap Free Admin Fee" or contact XM live chat for the current fee schedule for your account.

For short-term positions (closed within 1–2 days): no fees of any kind beyond the spread.

FAQ PreviewXM Swap Free — Common Questions

💡 Can I switch back to a regular account?

Yes. You can request to remove swap-free status via XM live chat at any time. The account reverts to standard swap rates immediately on the next trading day after removal.

FAQFrequently Asked Questions

Two ways: (1) Members Area → Account Management → find your account → request Islamic/swap-free status if the option is visible. (2) Contact XM live chat and request swap-free status for your account number, citing religious reasons. No documentation needed. XM applies it within 1 business day and sends email confirmation.

XM charges no platform fee for swap-free status. However, for positions held open for 3+ days on some instruments (exotics, some indices), XM may apply an administration fee that economically replaces the swap. For positions closed within 1–2 days, no additional fees apply. Check the specific admin fee schedule in MT4 → Specification for each instrument.

Hold a position open past midnight server time (22:00 GMT). In MT4/MT5: View → Terminal → Trade tab → check the Swap column for your position. It should show 0.00. If it shows a non-zero number, swap-free was not correctly applied — contact XM live chat with your account number and MT4 screenshot.

XM offers swap-free accounts in most countries where it operates. Availability may vary by regulatory entity — some CySEC (EU) entity accounts may have different terms. Contact XM live chat to confirm availability for your specific account and region.

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Disclaimer: This page is based on publicly reported trader experiences and editorial research as of June 2026. This page contains affiliate links. Trading CFDs involves significant risk.
Related: XM Islamic account guide · XM account types · XM fees guide · XM Pakistan (Islamic traders)