XM Deposit Bonus: 100% Bonus, Claim Steps & Conditions

XM’s Deposit Bonus (Credit) boosts your trading capital by up to 100% when you deposit into a Standard or Standard Micro account. Your first $500 deposit earns a 100% bonus, subsequent deposits up to a cumulative $10,000 receive a 50% bonus, and anything beyond that still qualifies for a 20% bonus. You can claim the bonus multiple times until you reach the maximum cap of $10,500 USD. Best of all, no special application is required — bonus credit is added to your account automatically and instantly, and is available equally to both new and existing members.

This article explains in detail how XM’s Deposit Bonus works, how to claim it, and how to use it to maximum effect. Leveraging the deposit bonus not only increases your trading capital but also extends your risk management capabilities — acting as a financial safety net that allows you to continue trading with bonus credit even during a losing streak. Whether you’re a complete beginner or a seasoned trader, this guide is designed to help you use the deposit bonus as a powerful tool within your trading strategy.

XM’s Deposit Bonus (Credit) is automatically credited to your trading account whenever you make a deposit. You’ll receive a bonus ranging from 100% to 20% depending on the deposit amount, which is added directly to your MT4/MT5 account immediately. The key advantage is that no special action or trading condition is required — simply deposit and the bonus is applied automatically.

Using the deposit bonus allows you to open larger positions than your actual capital would otherwise permit, making your risk management far more effective. You can receive a total bonus of up to $10,500 USD (or equivalent) and claim it multiple times until the cap is reached — and that is precisely what makes the XM Deposit Bonus so exceptional.

The XM Deposit Bonus operates on a three-tier structure, allowing you to receive a maximum of $10,500 USD (or equivalent) in total. The bonus rate changes according to your cumulative deposit amount, starting at 100%, then 50%, and finally 20% — giving you a highly efficient way to grow your trading capital at every stage.

The 100% Deposit Bonus is the first tier, where you receive a bonus equal to the full amount you deposit — instantly. You can receive up to $500 USD (or equivalent), effectively doubling your trading capital on your initial deposit. This is the most impactful tier of the bonus. It is available exclusively on Standard and Standard Micro accounts, with a minimum deposit of $10 USD.

The 50% Deposit Bonus is the second tier, which applies once you have reached the cap on the 100% bonus. You receive half of the deposited amount as a bonus, up to a maximum of $2,000 USD (or equivalent). This tier continues to grow your available trading capital significantly and is available on Standard and Standard Micro accounts.

The 20% Deposit Bonus is the final tier, which applies once you have reached the cap on the 50% bonus. You receive 20% of each subsequent deposit as a bonus, up to a maximum of $8,000 USD (or equivalent). This tier is available on Standard and Standard Micro accounts.

XM’s Deposit Bonus is applied in tiers based on your cumulative deposit amount. The following examples illustrate how the bonus is calculated in practice and how much your trading capital can grow.

One of the standout features of the XM Deposit Bonus is that you can claim it on every deposit until the overall cap is reached. The bonus rate (100%, 50%, 20%) is not determined by the size of any single deposit, but by your cumulative deposit total since opening your account. This means that even if you deposit smaller amounts multiple times, you will receive the appropriate bonus rate based on your running total — allowing you to plan your deposits strategically around your financial goals.

The XM Deposit Bonus is far more than a promotional incentive — it is a practical trading tool with several unique mechanics that set it apart from other brokers. This section explains exactly how the XM Deposit Bonus operates and what makes it particularly powerful.

At many brokers, bonuses are little more than figures displayed on screen — they cannot be used as real margin for live trading. At XM, however, the deposit bonus can be used in full as genuine margin for live trading.

This means that even if your account balance (actual deposited funds) reaches zero, any remaining bonus (Credit) in your MT4/MT5 account can still be used to continue trading. In other words, you are not forced to close your positions immediately when your cash runs out — you can carry on trading with whatever bonus remains.

Another major advantage of the XM Deposit Bonus is that there are no restrictions on deposit method. Whether you use a bank transfer, Skrill, cryptocurrency, or credit/debit card, every deposit method offered by XM is eligible for the bonus.

This means you can choose whichever deposit method is most convenient for you and still benefit from the full bonus — boosting your trading capital without any added complexity. This flexibility is a distinctive advantage that reflects XM’s commitment to offering a wide range of funding options.

The XM Deposit Bonus can be received even when depositing into additional trading accounts, provided you remain within the overall bonus cap. However, the deposit bonus limit is determined per user account — if you have already reached the $10,500 USD cap (or equivalent) under the same user account, you will not be eligible to receive further deposit bonuses, even on additional trading accounts.

This gives you the flexibility to take full advantage of the bonus whether you are managing multiple trading strategies across separate accounts or trading in different base currencies.

To claim the deposit bonus, you must first register and verify your identity with XM. If you already have an XM account, you can skip to Step 2.

The XM deposit process takes just a few minutes. Log in to your XM Members Area using the button below with your registered email address and password.

Once logged in to the XM Members Area, proceed to deposit using one of the following methods: bank transfer, Skrill, cryptocurrency, or credit/debit card. Click on any of the options below to view step-by-step deposit instructions.

Once your deposit is complete, the bonus will appear automatically as “Credit” in your trading account. You can verify the credited bonus via the XM Members Area, MT4/MT5, or the XM app.

In the XM Members Area, you can check your bonus by navigating to the “Account Overview” page and selecting “Account Details” from the blue circle menu next to the relevant account. The bonus credited to your trading account will be displayed in the account details window.

The XM Deposit Bonus cap is structured as follows: 100% bonus up to $500 USD (or equivalent), 50% bonus up to $2,000 USD (or equivalent), and 20% bonus up to $8,000 USD (or equivalent) — totalling $10,500 USD (or equivalent) in maximum bonus.

You can check your remaining deposit bonus allowance under “Available Bonus” on the “Account Overview” page in your XM Members Area.

Once you have received the maximum deposit bonus ($10,500 USD or equivalent), you would normally be unable to receive further deposit bonuses even if you make additional deposits. However, if your deposit bonus reset request is approved, your bonus allowance will be restored — allowing you to claim and use the deposit bonus once again.

Please note that if you still have remaining deposit bonus allowance, you are not eligible to request a reset. This means that to be considered for a deposit bonus reset review, you must first have fully utilised the $10,500 USD cap (or equivalent).

In addition to its regular bonus promotions, XM occasionally runs limited-time promotional campaigns. These special promotions are generally separate from XM’s standard ongoing bonus programme.

XM’s limited-time promotions allow you to receive bonus or cash rewards even if you have already exhausted your standard deposit bonus allowance. So even if your reset request is not approved, you still have opportunities to receive additional bonuses by taking advantage of these time-limited campaigns.

The XM Deposit Bonus is not available on Ultra Low, Ultra Low Micro, or Shares accounts. If you deposited into one of these account types, you will not receive a deposit bonus regardless of the amount deposited. To be eligible for the deposit bonus, you must deposit into a Standard or Standard Micro account.

Additionally, please be aware that if you transfer funds from a Standard or Standard Micro account that holds a deposit bonus to an account that is not eligible for bonuses, the bonus will be cancelled proportionally based on the transfer amount relative to the account balance.

▶ Learn more about how bonuses are handled during fund transfers

The maximum deposit bonus cap at XM is $10,500 USD (or equivalent). If no bonus appears in your account after depositing, it may be because you have already reached this cap.

To check, view your remaining deposit bonus allowance in the XM Members Area. If the figure shows “0”, you have reached the cap. To receive the deposit bonus again, please contact XM Customer Support to request a Deposit Bonus Reset. If the review is approved, you will be able to claim the deposit bonus once more.

The XM Deposit Bonus cannot be withdrawn directly. When you deposit funds into a trading account, the bonus appears as “Credit” and is managed separately from your deposited cash and any profits generated using the bonus. Although it cannot be withdrawn, the bonus can be used in full as trading margin — meaning that even if your cash balance reaches zero, you can still trade using the remaining bonus credit.

While the bonus itself cannot be withdrawn, any profits generated from trading with it are fully withdrawable. The XM Deposit Bonus can be used as available trading margin in your MT4/MT5 account, and there are no restrictions on withdrawing profits earned through such trading.

This means that if you generate profits in an account holding a deposit bonus, you are free to withdraw the profit portion in full.

When you withdraw funds from a trading account that holds a deposit bonus, the bonus will be reduced proportionally based on the withdrawal amount relative to the total account balance.

As a result, withdrawals will cause a portion of your bonus to be cancelled, reducing your available margin. It is therefore important to plan any withdrawals from a bonus-holding account carefully.

The same principle applies to internal fund transfers between XM trading accounts. When you transfer funds between accounts, the bonus moves proportionally to the amount transferred relative to the account balance. However, please note that if you transfer funds to an Ultra Low, Ultra Low Micro, or Shares account — which are not eligible for the deposit bonus — the corresponding proportion of the bonus will be permanently cancelled. Once lost, the bonus cannot be restored even if the funds are transferred back to the original account.

▶ View full details on internal fund transfers between XM accounts

The XM Deposit Bonus has no fixed expiry date. However, if there is no trading activity and no deposit or withdrawal transactions for 90 or more consecutive days, the account will be classified as inactive and all bonuses will be forfeited. Inactive status can be lifted immediately by resuming trading or making a deposit or withdrawal, but any bonus (Credit) that has already been cancelled cannot be reinstated — so please take care to remain active.

Please be aware that your bonus will also be forfeited if your trading account is suspended due to prohibited trading practices or a violation of the Terms and Conditions.

In addition to the deposit bonus, XM offers a range of other bonus promotions. Using these in combination is an effective way to increase your trading capital and trade with greater confidence and security.