After activating your account at XM Trading, you can enjoy actual real trading by depositing funds. I think that there are many people who are concerned about the specific deposit method, fees, reflection time, etc. of XM Trading. I would like to introduce XM’s deposit method, each fee, reflection time, minimum deposit amount, etc.
Rules for depositing and withdrawing money
XMTrading has rules when depositing and withdrawing money. If you do not follow this, your deposits and withdrawals will fail, so please be careful. There are more deposit methods and upper limit amounts than FX companies in Japan. Money deposited from bank accounts etc. will be reflected in the wallet and transferred to each account. There is also online support, so it would be a good idea to consult with the management when making a transfer. Fee burden varies depending on the service.
Same name as account
XM registers a name when opening an account, but this name must match the name used when making a deposit. This is a measure to prevent money laundering. You can check the account name on the member page. New users often make mistakes here after registering, so be careful. Must be the specified, registered name. Different names are definitely not allowed.
Same withdrawal method up to deposit amount
When you select a deposit method and withdraw money, you must use the same deposit method to withdraw up to the deposit amount. For example, if you make a deposit with a credit card, the deposit amount must be made by credit card. You are free to choose your profit share. Such transfer fees are determined by service.
Account activation
The account must first be activated. Please note that if you cannot activate your account, you will not be able to make a deposit. Therefore, please make sure to at least complete the process of activating your account. High security measures are taken at XM, and login, deposits, withdrawals, transactions, and bonuses are thoroughly managed. Violations may result in your account being frozen.
Account base currency
The deposit methods that can be used differ depending on the base currency of the account. If you select US dollar, you will not be able to select Bitwallet and BXONE. In the case of Japanese yen, anything is OK. For euros, Bitwallet, BXONE, and convenience store deposits are not available. The maximum leverage is 1000x, and there are many bonuses, trading forms, etc. MT4 is also available, so it is convenient to use.
What kind of deposit bonuses are there?
There is a deposit bonus. There is also a bonus when opening an account. Therefore, please refer to the following articles. Deposit bonuses are reflected in your account immediately upon deposit, so no additional processing is required. Verify your identity before making a deposit. Also, many bonuses have a time limit. There is also a limited time bonus on the official website. Please ask the support desk for details.
What payment methods are available? Method, reflection time
The following deposit methods are currently available: There are various payment cases, and although it is possible depending on the card company, it is not possible depending on the brand, and there is a limit on the amount that can be used. Internet banking allows you to make bank transfers online, but it is closed on Saturdays and Sundays. ATM transfers are only available during weekday business hours. Online wallets (such as Stick Pay) are available 24 hours a day and have no disadvantages. Depending on the operating company or broker, there are many cases where there are fewer transfer formats than XM.
Payment method | commission | time to reflect | minimum deposit amount |
bank transfer | free | Within 1 hour on business days | no lower limit |
VISA card | free | Immediate reflection | 500 yen |
JCB card | free | Immediate reflection | 10,000 yen |
SticPay | free | Immediate reflection | 500 yen |
If you send money during the daytime on weekdays, bank transfer may be fine, but if you send money on a holiday or after the evening, all bank transfers will be handled the next day. Therefore, if you want your deposit reflected immediately, and not during the morning to midday on weekdays, credit, debit, and SticPay are the best options.
We will then explain how to process the payment. First, log in to XM. If you do not have an account, you can open one from the link below.
When you log in, there is a button called deposit for each account like the one below, so let’s click it.

When you press the deposit button, you should be able to choose from 4 types of deposit patterns. Let’s explain them one by one. There are many ways to deposit and withdraw money, including bank accounts, online wallets, and credit cards. There are also bonuses on accounts and trading. It is very convenient as you can also use MT4 and MT5.

VISA card
Click on deposit under VISA. Unlike financial institutions, you can deposit money at any time of the day.Please see the image. You can select a brand separately from the list. Very fast, direct speed payment and acceptance possible. If you want to quickly increase your balance without risk, credit cards are your only option.

Enter the deposit amount and click Deposit.

On the next screen, if the deposit amount and account are correct, click “Confirm”.

On the next screen, enter your card number and click the “Confirm” button. The money will now be deposited. Enter your name in romaji etc. If you have used it in the past, you can immediately recall the input. If you have multiple credit cards, you can use them and switch between them.

JCB card
Refund processing is not possible when depositing with a JCB card to XM. If you deposit with a JCB card, you can only withdraw by overseas bank transfer. Please be careful with this point.

Enter the deposit amount and click Deposit.

On the next screen, if the deposit amount and account are correct, click “Confirm”.

On the next screen, enter your card number and click the “Confirm” button. It will be credited.

SticPay
SticPay has the advantage of being able to deposit money quickly and depositing money at any time. Online wallets such as BitWallet allow deposits to be made very quickly and are recommended as well as credit cards. This is the most recommended option if you want to receive transactions, bonuses, etc. immediately. Online wallets have a high possibility of being used for transactions immediately after depositing.

Decide on the account name and deposit amount on the STICPAY site and press the deposit button. Please note that you must already have a Sticpay My Page account. If you do not have one, you will need to create one before making a deposit. It is also highly safe, so once you understand it, it is the most recommended method. We accept deposits from small amounts to large amounts, and are available 365 days a year.

You will receive a payment completion email, so the payment will be completed.
Bank transfer
In the case of bank transfer, unlike the above, it is a little more troublesome. Press the deposit button on the far right. There are two types of remittances: domestic remittances and foreign remittances. In order to prevent fraud, anti-money laundering measures are in place, so if you make a deposit to a bank, your withdrawal will also be made to a bank. If advance payment is made on weekends or holidays, it will be reflected the next day.

The account number and name information of the deposit destination will be transferred. You will deposit money into this account. Although it is white in the screen below, it is actually displayed.

When arranging the transfer, please be sure to add your MT4/MT5 account number next to the transferee’s name in romaji (remitter’s name). If your name and account number are not entered in the payer name, the requested deposit will not be automatically reflected in your MT4/MT5 trading account.
Example FIRSTNAME LASTNAME MT5 1234567
If you do not specify the account number and MT4 or MT5 as shown in the above, you will not be able to link it.
If you forget to link the funds and send money, please contact XM customer service. It will be handled by manual operation.
Q&A regarding deposit methods
Compared to other companies in the industry such as exness, axiory, fxgt, and bigboss, XM offers a wide variety of deposit methods and is convenient. If you cannot solve the problem on your own, please refer to the article below that provides a guide to what you need to know as a Frequently Asked Questions (FAQ). Deposits can also be made using the XM app. There are also priorities for deposits and withdrawals, so consider these when deciding how to use them.
Next steps: How to withdraw money
Compared to other companies in the industry such as exness, axiory, fxgt, and bigboss, XM offers a wide variety of deposit methods and is convenient. If you cannot solve the problem on your own, please refer to the article below that provides a guide to what you need to know as a Frequently Asked Questions (FAQ). Deposits can also be made using the XM app. There are also priorities for deposits and withdrawals, so consider these when deciding how to use them.
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