XM withdrawal methods via “bank”, “credit card” and “online wallet”

Regardless of the withdrawal method, XM processes all withdrawal requests within 24 business hours. However, the time it takes for the funds to reach your account will vary depending on the withdrawal method used.

For domestic bank transfers, funds typically arrive within 2–5 business days after XM completes the withdrawal process. For credit/debit card withdrawals, refunds are generally processed within 1 week to 1 month, depending on the card issuer. The exact timing may also be affected by your card company’s billing cycle.

Withdrawal Methods	Time to complete processing	Time until payment arrives
Domestic bank transfer (Japan)	Within 24 hours	2 to 5 business days
Credit/Debit Card	Within 24 hours	Varies depending on closing date
BitWallet	Within 24 hours	Immediately
Stick Pay (*)	Within 24 hours	Immediately
Bx1	Within 24 hours	Immediately
Virtual currency (crypto assets)	Within 24 hours	Immediately

Withdrawals via STICPAY are currently unavailable. If you wish to use STICPAY, please contact our support team for assistance.

As part of its anti-money laundering and anti-terrorism financing measures, XMTrading requires that deposited funds be withdrawn using the same method used for the deposit. Trading profits, however, can only be withdrawn via domestic bank transfer. .

The following is an example of how to withdraw funds when multiple deposit methods have been used in your XM account.

Example 1: If you deposit 50,000 yen into your XM account using a credit card (VISA) and generate a profit of 30,000 yen, your total account balance will be 80,000 yen.

balance:

Withdrawal of 80,000 yen

	50,000 yen	50,000 yen
		30,000 yen

Example 2: If you deposit 50,000 yen into your XM account using a credit card (JCB) and generate a profit of 30,000 yen, your total account balance will be 80,000 yen.

balance:

Withdrawal of 80,000 yen

	50,000 yen	Cannot withdraw money
		80,000 yen

The deposited amount of 50,000 yen can normally be withdrawn to your credit card, while the 30,000 yen profit can be withdrawn via domestic bank transfer. However, since JCB cards do not support withdrawals, if you deposited using a JCB card, the entire balance must be withdrawn via domestic bank transfer. .

Example 3: If you deposit 30,000 yen into your XM account via Bitwallet and generate a profit of 20,000 yen, your total account balance will be 50,000 yen.

balance:

Withdrawal of 50,000 yen

	30,000 yen	30,000 yen
		20,000 yen

Withdraw the deposited amount of 30,000 yen to Bitwallet, and withdraw the remaining 20,000 yen in profits via domestic bank transfer.

If you deposit funds into your XM trading account using multiple methods, XM will prioritize withdrawals in the following order:1) Credit card/debit card, 2) Virtual currency (crypto assets), 3) Online wallet (bitwallet, STICPAY, BXONE), 4) Domestic bank transfer (Japan) .

If you have deposited funds using multiple methods, please withdraw the deposited amounts according to the withdrawal priority before withdrawing any profits.

Withdrawals via STICPAY are currently unavailable. If you wish to use STICPAY, please contact our support team.

Example 1: You deposit 20,000 yen into your XM account via Bitwallet, 20,000 yen via credit card (VISA), and 10,000 yen via virtual currency (Bitcoin), and generate a profit of 50,000 yen, bringing your total account balance to 100,000 yen.

		Deposit
May 10		20,000 yen
May 15		20,000 yen
May 20		10,000 yen
May 25	trading profit	50,000 yen
		Withdrawal of a total of 100,000 yen
	合計 100,000円の出金

Priority 1		20,000 yen
Priority 2		10,000 yen
Priority 3		30,000 yen
Priority 4		50,000 yen

Regardless of when the deposits were made, withdrawals of the deposited amounts will follow the priority order. The 50,000 yen profit must be withdrawn via domestic bank transfer.

Withdrawal process via domestic bank transfer (Japan)

If you enter your bank details and withdrawal amount on the XMTrading Member Page and submit a withdrawal request, the process will be completed within 24 business hours.

At XM, we cover the fees for all withdrawal methods, so there are generally no withdrawal fees for bank transfers. However, for withdrawals under 400,000 yen, XM only covers the fees charged by the sending bank. Any fees incurred by the receiving bank or intermediary banks will be the responsibility of the customer.

For domestic bank transfers, withdrawals are processed through a settlement agency. For amounts less than 400,000 yen, a settlement agency fee of 2,500 yen will be charged to the customer. For withdrawals of 400,000 yen or more, XM covers all withdrawal fees.

Credit card/debit card withdrawal process

If you select a credit or debit card on the XMTrading Member Page and submit a withdrawal request, XM will complete the withdrawal process within 24 business hours.

Key Points to Note When Withdrawing Funds via Credit/Debit Card

bitwallet withdrawal process

If you select Bitwallet on the XMTrading Member Page and submit a withdrawal request, XM will complete the withdrawal process within 24 business hours, and the funds will be reflected in your Bitwallet account immediately.

STICPAY Withdrawal Process

If you select STICPAY on the XMTrading Member Page and submit a withdrawal request, XM will complete the withdrawal process within 24 business hours, and the funds will be reflected in your STICPAY account immediately.

BXONE Withdrawal Process

If you select BXONE on the XMTrading Member Page and submit a withdrawal request, XM will complete the withdrawal process within 24 business hours, and the funds will be reflected in your BXONE account immediately.

Cryptocurrency (Virtual Currency) Withdrawal Process

If you select cryptocurrency (virtual assets) on the XMTrading Member Page and submit a withdrawal request, XM will complete the withdrawal process within 24 business hours, and the funds will be reflected in your crypto wallet immediately.

The time it takes for funds to arrive may vary.

At XM, the time it takes for funds to arrive depends on the withdrawal method used. For Bitwallet, STICPAY, BXONE, and cryptocurrencies (crypto assets), XM processes withdrawals within 24 business hours, and the funds are usually reflected immediately. For domestic bank transfers, it typically takes 2–5 business days, while withdrawals to credit or debit cards may take 1 week to 1 month, depending on the card issuer.