XM’s “Bank”, “Credit Card” and “Online Wallet” deposit methods
XM Deposit Methods
XM offers seven deposit methods: domestic bank transfer (Japan), credit/debit card (VISA/JCB), bitwallet, STICPAY (*), BXONE, Apple Pay, and cryptocurrencies. For all methods except domestic bank transfer, deposits are credited to your XM trading account instantly, 24 hours a day, 365 days a year. Deposits made via domestic bank transfer are usually reflected within 30 minutes to one hour. In addition, XM has eliminated all deposit fees in principle, helping to reduce the burden on customers.
In addition, XM uses SSL technology to process all payments, ensuring the protection of your sensitive personal data.
Currently, payments via STICPAY are not accepted.
XM Deposit Methods
XM deposit methods, deposit fees, and arrival times
XM Deposit Methods Available (As of August 2025)
As of August 2025 , XMTrading offers the following deposit methods:
Currently, payments via STICPAY are not accepted.
XM does not charge any deposit fees for all available deposit methods.
XM covers all deposit fees when you fund your XMTrading account, making deposits free for all methods. However, for domestic bank transfers, a fee of 980 yen (or 1,500 yen, depending on the payment agency) applies if the deposit amount is less than 10,000 yen. We therefore recommend depositing 10,000 yen or more at a time. Additionally, any transfer-related fees (0–880 yen) are the responsibility of the customer.
Processing Time for Deposits in Your XM Trading Account
At XMTrading, deposits made via credit/debit cards (VISA/JCB), bitwallet, STICPAY (Note 1), BXONE, or Apple Pay are credited to your trading account immediately after the deposit is completed. Deposits using virtual currencies (crypto assets) are usually reflected within a few minutes to an hour. For domestic bank transfers, funds are typically credited within 30 minutes to one hour after the transfer, provided the transaction occurs during the sending bank’s business hours.
| Deposit Methods | Time to reflect in trading account |
Domestic bank transfer (Japan)
|
Within 30 minutes to 1 hour |
Credit card/debit card (Note 2)
|
Immediately reflected after deposit procedure |
BitWallet
|
Immediately reflected after deposit procedure |
Stick Pay (Note: 1)
|
Immediately reflected after deposit procedure |
Bx1
|
Immediately reflected after deposit procedure |
Apple Pay (Note 3)
|
Immediately reflected after deposit procedure |
Virtual currency (crypto assets)
|
Reflected within a few minutes to an hour |
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Currently, STICPAY payments are not accepted.
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JCB cards will not appear as a deposit option until your identity verification (real account activation) is complete. To deposit using a JCB card, please complete the identity verification process first.
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Apple Pay deposits are only supported on Apple devices (iPhone, Mac, etc.). Deposits cannot be made from non-Apple devices such as Android or Windows.
XM Minimum and Maximum Deposit Limits
XMTrading sets minimum and maximum deposit amounts for each deposit method. Please note that for credit/debit card deposits, these limits may vary depending on the card brand (VISA/JCB). If you wish to deposit an amount exceeding the per-transaction maximum, you can do so by splitting it into multiple deposits.
| Deposit Methods | Minimum | Maximum deposit amount per transaction |
Maximum deposit amount per day |
|
Domestic bank transfer (Japan)
|
From 10,000 | 2 million yen | |
VISA card
|
From 4,500 | 1.5 | 3 |
JCB Card (Note: 1)
|
From 10,000 | 300,000 | 1 |
|
BitWallet
|
From 800 | 1.5 | |
|
Stick Pay (Note: 3)
|
From 500 | 800,000 | |
|
Bx1
|
From 800 | 1.5 | |
|
Apple Pay
|
From 8,000 | 150,000 | |
|
Virtual currency (crypto assets)
|
From 10,000 | 1.5 |
|
|
|
| Minimum deposit amount | From 10,000 yen |
| Maximum deposit amount per transaction |
2 million yen |
| Maximum deposit amount per day |
No limit |
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JCB cards will not appear as a deposit option until your identity verification (real account activation) is complete. To deposit using a JCB card, please complete the identity verification process first.
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JCB cards have no daily deposit limit, but the monthly deposit limit is 1,000,000 yen.
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Currently, STICPAY payments are not accepted.
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Apple Pay deposits have no daily limit, but the monthly deposit limit is equivalent to $10,000.
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Cryptocurrency deposits have no daily limit, but the monthly deposit limit is equivalent to $30,000.
When funding your XMTrading account, you must follow the deposit procedures in line with XM’s deposit rules. Before making a deposit, please review these rules, choose the appropriate deposit method, and then complete the deposit process.
The deposit methods available may vary depending on the base currency of your trading account.
At XM, the available deposit methods vary depending on the base currency of your trading account. Please choose the deposit method that corresponds to your account’s base currency.
| Trading account base currency | |||
|---|---|---|---|
| JPY (Japanese Yen) |
USD (US Dollar) |
EUR (European Euro) |
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Domestic bank transfer (Japan)
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VISA card
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JCB Card (Note: 1)
|
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 |
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BitWallet
|
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Stick Pay (Note: 2)
|
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|
|
|
Bx1
|
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|
|
Apple Pay
|
|
|
|
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Virtual currency (crypto assets)
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|
|
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JCB cards will only appear as a deposit option after you complete identity verification (real account activation). If you wish to use a JCB card for deposits, please finish the identity verification process first.
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Currently, STICPAY payments are not accepted.
You are required to activate a real account.
If your XM real account is not activated, you will not be able to deposit funds via credit/debit cards, STICPAY (*), BXONE, Apple Pay, or cryptocurrencies. To activate your account, please submit a photo ID and proof of address through the XM Members Area or the XM App before proceeding with a deposit.
Please note that domestic bank transfers and bitwallet can be used to deposit funds even if your account has not yet been activated. However, you will not be able to receive XM bonuses or withdraw funds from an unactivated account. We therefore recommend activating your account as soon as possible.
Currently, STICPAY payments are not accepted.
Click here to activate your XM real account
Account activation is quick and easy with the XM smartphone app!
The XM smartphone app is an exclusive mobile app available to all XM account holders. With this single app, you can trade, make deposits and withdrawals, manage your account, and access the Members Area. When activating your account via the XM smartphone app, you can easily upload a photo or screenshot directly from your device. This simplifies the activation process and is recommended for those who want to start trading quickly and smoothly.
Currently, the iOS version of the XMTrading app is unavailable for installation.
Deposits are only accepted from customers whose name matches the name on their XM trading account.
As part of our efforts to prevent the circulation of illicit funds, XM only accepts deposits made in the name registered on your trading account. When depositing funds, please ensure that the remittance is made in your registered name. Please note that deposits made under a third party’s name, such as a family member or company, will be refunded.(*)
When making a deposit via domestic bank transfer, please ensure you specify the account name registered with XM and the trading account number as the deposit destination.
Matched Deposit and Withdrawal Methods (Use the Same Method for Withdrawals as You Did for Deposits)
As part of our anti-money laundering and anti-terrorist financing measures, XM requires that withdrawals up to the deposited amount be made using the same method as the deposit. If you deposit funds using multiple methods, withdrawal priority will be applied accordingly. Before depositing funds into your XM trading account, please review XM’s withdrawal rules and use the appropriate deposit method.(*)
If you deposit via Apple Pay, withdrawals can only be made using a domestic bank transfer.
At XM, you can deposit funds into your trading account via domestic bank transfer from a Japanese bank (ATM or online banking). Deposits are typically reflected in your XM account within 30 minutes to one hour after the transfer. The only fee is the bank’s transfer fee (0–880 yen), making this one of the simplest methods for funding your XM account.
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Transfers Available via ATM or Online Banking
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Funds Reflected in Trading Account Within 1 Hour (Note 1)
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(Note 2)No handling fee in principle
Domestic bank transfers can be used to deposit funds into all XM currency accounts, including JPY (Japanese Yen), USD (US Dollar), EUR (Euro), and others. When depositing into a USD or EUR account, the transfer is made in Japanese Yen. Upon arrival at XM, the funds are converted at XM’s exchange rate and credited to your USD or EUR account.
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Available Only on the Sending Bank’s Business Days
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If the deposit amount is less than 10,000 yen, a fee of 980 yen (or 1,500 yen, depending on the payment processor) will apply.
How to deposit via domestic bank transfer (Japan)
Verify the recipient’s bank details on the XMTrading Members Area and complete the transfer. If the transfer is made during the sending bank’s business hours, the funds will typically be credited to your trading account within 30 minutes to one hour.
Processing Time for Domestic Bank Transfer Deposits
If you make a transfer during the sending bank’s business hours, the funds will typically be credited to your XM trading account within 30 minutes to one hour. However, if the account name or trading account number does not match, or if you are transferring an amount over 1 million yen, it may take longer for the funds to be reflected.
| The time when the remittance was processed | Time until payment arrives |
During the business hours of the sending bank |
Within 30 minutes to 1 hour |
Outside the sending bank’s business hours |
9:00-10:00 on the next bank business day |
When making a transfer, please ensure that the recipient information and the sender’s name are entered correctly.
When depositing funds into your XM account via domestic bank transfer (Japan), please carefully review the instructions on the ‘Local Bank Transfer’ deposit page within the Members Area. In the sender’s name field, enter either: ‘Reference Number + Customer Name registered with XM (in Roman letters)’ or ‘Customer Name registered with XM (in Roman letters) + Deposit Account Number (MetaTrader login ID).’ XM automatically matches and credits deposits based on the reference number and customer name (or customer name + trading account number). Please note that using an incorrect deposit name or omitting the reference number (or trading account number) may result in delays, or your deposit may not be reflected at all.
Example 1: Reference number + registered name
| Reference |
Registered name |
| 123456789 | Taro Yamada |
Name of remitter:
123456789 Taro Yamada
Example 2: Registered name + deposit trading account
| Registered name | MT account number for deposit |
| Taro Yamada | 12345678 |
Name of remitter:
Taro Yamada 12345678
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If the remitter’s name was entered incorrectly, or if your funds haven’t appeared in your trading account within an hour during bank business hours, contact the XM Support Desk for assistance.
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XMTrading Support Desk:support@xmtrading.com
Deposit Fees for Domestic Bank Transfers
For domestic bank transfers, the minimum deposit amount is 10,000 yen. Deposits of 10,000 yen or more incur no deposit fee. For deposits under 10,000 yen, a fee of 980 yen (or 1,500 yen depending on the payment agency) will be applied, and the net amount after the fee will be credited to your XM trading account. Additionally, any bank transfer fees (0–880 yen) are the responsibility of the customer.
| XM deposit amount | Deposit fee |
| Less than 10,000 yen | 980 yen (*) |
| 10,000 yen or more | free |
Depending on the payment processor, a fee of 1,500 yen may apply.
At XM, you can deposit funds into your trading account using VISA and JCB credit or debit cards, with no deposit fees. Deposits are credited to your XM account in real time, 24 hours a day, 365 days a year, immediately after completing the deposit procedure. Credit/debit card deposits are a convenient option, allowing instant funding even for customers who do not have an online wallet account such as bitwallet or STICPAY.
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Credited to Trading Account Immediately After Settlement
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Fund Your Trading Account Anytime – 24/7, 365 Days a Year
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No deposit fees
Credit and debit cards (VISA/JCB) can be used to deposit funds into all XM currency accounts, including JPY (Japanese Yen), USD (US Dollar), and EUR (Euro). Please note that JCB cards cannot be used to deposit into EUR accounts.
JCB cards will only appear as a deposit option after you complete identity verification (real account activation). To deposit using a JCB card, please complete the identity verification process first.
Credit/Debit Card Deposit Process
If you select a credit or debit card on the XMTrading Members Area and complete the deposit procedure, the funds will be credited to your trading account immediately.
Credit/Debit Card Deposit Requirements
When depositing with a credit or debit card at XM, the minimum and maximum deposit amounts depend on the card brand. For VISA cards, the minimum deposit is 500 yen, while for JCB cards, the minimum deposit is 10,000 yen. .
For VISA cards, the maximum deposit per transaction is 800,000 yen, with a daily limit of 3,000,000 yen. For JCB cards, the maximum deposit per transaction is 300,000 yen, with a monthly limit of 1,000,000 yen.
| Card brand | Minimum deposit amount | Maximum deposit amount | Deposit fee |
|
VISA card |
500 yen | 800,000 yen (Note: 1) | none |
|
JCB Card |
10,000 yen | 1 million yen (Note 2) | none |
|
|
|
|---|---|
| Minimum deposit amount |
500 yen |
| Maximum deposit amount |
Unlimited (Note: 1) |
| Deposit fee |
none |
|
|
|
| Minimum deposit amount |
10,000 yen |
| Maximum deposit amount |
1 million yen (Note 2) |
| Deposit fee |
none |
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The daily maximum deposit is 3 million yen, and you can make up to 15 deposits per day.
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The monthly maximum deposit is 1 million yen.
Accepted Credit/Debit Card Types at XM
When depositing with credit or debit cards, only physical cards issued by the card provider are accepted. XM does not accept virtual cards issued for online shopping or mobile payments, nor does it accept disposable prepaid cards.
| Card Type | payment | Withdrawal (refund) |
| Credit card |
Deposits accepted | Withdrawal possible (*) |
| Debit Card |
Deposits accepted | Withdrawal possible (*) |
| Virtual Card |
Deposits not accepted | Cannot withdraw money |
| Prepaid cards |
Deposits not accepted | Cannot withdraw money |
If you deposit using a JCB card, withdrawals (refunds) cannot be processed back to that JCB card
Additionally, when depositing via credit or debit card, only cards registered in the same name as your XM account can be used. XM does not accept deposits made in the name of a third party, such as a family member or a company.
Key Points to Note When Depositing via Credit/Debit Card
When you deposit using a credit or debit card, the deposited amount will be refunded to the same card upon withdrawal, up to the original deposit amount. Card refunds are processed by canceling the transaction recorded at the time of your deposit. Any profits earned from trading must be withdrawn via domestic bank transfer.
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JCB cards will only appear as a deposit option after you complete identity verification (real account activation). To deposit using a JCB card, please complete the verification process first.
At XM, you can deposit funds into your trading account using the online wallet bitwallet, with no deposit fees. Deposits via bitwallet are credited to your XM account in real time, 24 hours a day, 365 days a year, immediately after completing the deposit procedure. Bitwallet is the fastest deposit method and is recommended for convenient transfers to overseas FX accounts.
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Credited to Trading Account Immediately After Settlement
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Fund Your Trading Account Anytime – 24/7, 365 Days a Year
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No deposit fees (free)
bitwallet deposits are only supported for JPY (Japanese Yen) accounts. Customers with USD or EUR accounts should use an alternative deposit method.
How to deposit via bitwallet
If you select bitwallet on the XMTrading Members Area and complete the deposit procedure, the funds will be credited to your trading account immediately.
About bitwallet (The Online Wallet with the Lowest Fees)
bitwallet is an online (electronic) wallet service operated by bitwallet Pte Ltd in Singapore. It enables deposits, transfers, payments, receipts, and person-to-person transfers in Japanese Yen, US Dollars, and Euros, 24 hours a day, 365 days a year. One of bitwallet’s main advantages is its low cost: transfers between wallets cost just 100 yen, and withdrawals to domestic banks cost only 880 yen. This makes bitwallet a popular deposit method among many overseas FX brokers.
Key Points to Note When Depositing via bitwallet
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When depositing funds into your XM trading account via bitwallet, withdrawals to bitwallet are limited to the amount you deposited. To withdraw amounts exceeding your deposit, we recommend using a domestic bank transfer.
At XM, you can deposit funds into your trading account using the online wallet STICPAY, with no deposit fees. Deposits via STICPAY are credited to your XM account in real time, 24 hours a day, 365 days a year, immediately after completing the deposit procedure. STICPAY is recommended as the fastest deposit method.
At this time, deposits via STICPAY are not available.
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Credited to Trading Account Immediately After Settlement
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Fund Your Trading Account Anytime – 24/7, 365 Days a Year
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No deposit fees (free)
STICPAY supports deposits to XM accounts in all currency types, including JPY (Japanese Yen), USD (US Dollar), and EUR (Euro).
STICPAY deposit process
If you select STICPAY on the XMTrading Members Area and complete the deposit procedure, the funds will be credited to your trading account immediately.
About STICPAY (ATM Withdrawals Available with STICPAY Cards)
STICPAY is an online remittance service operated by the UK-based company STIC FINANCIAL LTD and is used by millions of people worldwide. As an online (electronic) wallet service, STICPAY has recently partnered with an increasing number of overseas FX brokers. In addition to bank transfers, it also supports ATM withdrawals using STICPAY cards.
Key Points to Note When Depositing via STICPAY
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Withdrawals to STICPAY are limited to the amount you deposited using STICPAY. To withdraw amounts exceeding your deposit, we recommend using a domestic bank transfer.
At XMTrading, you can deposit funds into your XM trading account using the online wallet BXONE, with no deposit fees. Deposits via BXONE are credited to your XM account in real time, 24 hours a day, 365 days a year, immediately after completing the deposit procedure. BXONE is recommended as the fastest deposit method.
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Credited to Trading Account Immediately After Settlement
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Fund Your Trading Account Anytime – 24/7, 365 Days a Year
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No deposit fees (free)
BXONE deposits are only supported for JPY (Japanese Yen) accounts. Customers with USD or EUR accounts should use an alternative deposit method.
BXONE Deposit Process
If you select BXONE on the XMTrading Members Area and complete the deposit procedure, the funds will be credited to your trading account immediately.
About BXONE (Supports Cryptocurrency Deposits)
BXONE is an online (electronic) wallet service used for online casino payments and for transferring virtual currencies such as Bitcoin.
Key Points to Note When Depositing via BXONE
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Withdrawals to BXONE are limited to the amount you deposited using BXONE. To withdraw amounts exceeding your deposit, we recommend using a domestic bank transfer.
At XM, you can deposit funds into your trading account using the online payment service Apple Pay, with no deposit fees. Deposits via Apple Pay are credited to your XM account in real time, 24 hours a day, 365 days a year, immediately after completing the deposit procedure. Apple Pay is recommended as the fastest deposit method.
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Credited to Trading Account Immediately After Settlement
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Fund Your Trading Account Anytime – 24/7, 365 Days a Year
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No deposit fees (free)
Apple Pay supports deposits to all XM currency accounts, including JPY (Japanese Yen), USD (US Dollar), and EUR (Euro).
How to Deposit Using Apple Pay
If you select Apple Pay on the XMTrading Members Area and complete the deposit procedure, the funds will be credited to your trading account immediately.
About Apple Pay
Apple Pay is a deposit method recently introduced by XM, using Apple’s device payment system. Deposits via Apple Pay can only be made on Apple devices (iPhone, Mac, etc.), making it a convenient and recommended option for users of Apple devices.
Key Points to Note When Depositing via Apple Pay
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Apple Pay Requires Separate Setup
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Only available on Apple devices
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When depositing via Apple Pay, the only available withdrawal method is domestic bank transfer. Withdrawals via domestic bank transfer are limited to the amount you deposited.
At XMTrading, you can fund your XM trading account using cryptocurrencies (crypto assets) with no deposit fees. Deposited cryptocurrencies are automatically converted into your account’s base currency (JPY, USD, or EUR) and credited to your account. The funds will typically appear in your trading account within a few minutes to an hour after the deposit process. This method is recommended for clients who already hold cryptocurrency assets, as it offers a convenient way to fund their accounts.
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The funds will appear in your trading account within a few minutes to an hour after payment.
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You can fund your trading account anytime, 24/7.
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No deposit fees (free)
Cryptocurrency deposits are supported for all XM account currencies, including JPY (Japanese Yen), USD (US Dollar), and EUR (Euro).
How to Deposit with Cryptocurrencies (Crypto Assets)
If you select cryptocurrency (crypto assets) from the XMTrading Members Page and complete the deposit process, the funds will be credited to your trading account within a few minutes to an hour.
About Cryptocurrencies (Crypto Assets)
Cryptocurrency (crypto assets) is a deposit method recently introduced by XM, allowing you to fund your XM account directly from a cryptocurrency wallet or exchange. You can deposit 27 types of cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), Ripple (XRP), Tether (USDT), and USD Coin (USDC).
Key Points to Note When Depositing Cryptocurrencies (Crypto Assets)
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Withdrawals to cryptocurrencies (crypto assets) are limited to the amount you deposited using the same method. To withdraw amounts exceeding your deposit, we recommend using a domestic bank transfer.
You can also conveniently deposit funds into your trading account using XM’s proprietary smartphone app, the ‘XMTrading App.’ For detailed instructions on depositing via the XM app, please refer to the links below, which include clear, easy-to-follow diagrams for both iOS and Android devices.
Use the XM app for more convenient account management and seamless trading on the go. For detailed instructions on using the app, please refer to the ‘XM App User Guide.’
At this time, the XMTrading App cannot be installed on iOS devices.
XMTrading is committed to providing a seamless trading experience and ensuring that deposits are promptly reflected in your trading account. However, there may be instances where deposits fail or funds are not credited due to various reasons. Below are the most common causes and solutions for deposits not being processed or funds not appearing in your account.
Credit/Debit Card
If you attempt to deposit funds into your XMTrading account using a credit or debit card but the deposit fails or is not reflected, you may see an error message stating ‘Deposit request failed.’ Please check whether any of the following situations apply to you.
Unsupported Credit/Debit Card in Use
At XM, you can deposit funds using VISA and JCB credit/debit cards. However, even if your card is VISA or JCB, it cannot be used if the card issuer prohibits deposits to overseas FX brokers. Please check your card issuer’s terms and conditions or contact them directly to confirm whether your card allows deposits to overseas FX brokers.
Card Has Expired
If your credit or debit card has expired, deposits may fail or not be reflected in your account. We recommend checking your card’s expiration date before making a deposit.
Card Limit Exceeded
If you have exceeded your credit/debit card limit, your deposit may fail or not be reflected in your account. When depositing to XMTrading (XM) using a credit or debit card, ensure that your card has a credit limit equal to or greater than the deposit amount. Please check your card’s available credit before making a deposit.
Insufficient Funds in Linked Account
If you are depositing funds using a VISA or JCB debit card, your linked bank account may have insufficient funds. Since debit cards are connected to bank accounts, we recommend verifying that your account balance is equal to or greater than the amount you wish to deposit to XM before proceeding.
Maximum Deposit Amount or Frequency Exceeded
If you exceed the deposit limits set by VISA or JCB, your deposit may fail or not be reflected. For VISA, the limits are 800,000 yen per transaction, 3 million yen per day, and a maximum of 15 deposits. For JCB, the limits are 300,000 yen per transaction and 1 million yen per month. Please note that once these limits are reached, you will not be able to make further deposits with that card until the next day (for VISA) or the following month (for JCB).
Domestic bank transfer
When you transfer funds to XMTrading via a domestic bank, XM will send a confirmation email to your registered email address once the funds are received and the deposit is processed. If you do not receive this email, please check whether any of the following situations apply.
Transfers Made Outside Banking Hours
If you transfer funds to XM outside domestic bank business hours, the deposit will be reflected in your XM trading account around 9:00–10:00 a.m. on the next banking day. Even if the transfer is made during business hours, sending it just before the bank closes may result in a longer processing time before the funds appear in your account.
Incorrect Deposit Account Specified
If you have multiple XMTrading accounts, deposits may fail or not be reflected if the incorrect trading account is specified. XM credits funds to the MT4 or MT5 account entered in the remittance requester name field during a domestic bank transfer. Please verify the trading account listed in this field on your transfer statement.
Account Number Missing After Remitter’s Name
When depositing funds into an XM trading account via domestic bank transfer, you may have forgotten to enter the MT4/MT5 account number after the name of the person requesting the transfer. Omitting the account number can delay the reflection of funds in your XM trading account. If you have forgotten to include the MT4/MT5 account number, please contact the XM Support Desk and provide a screenshot or photo of the transfer details.
XMTrading Support Desk:
support@xmtrading.com
bitwallet, STICPAY, BXONE
If you deposit funds into your XMTrading account using bitwallet, STICPAY (*), or BXONE and the deposit fails, you may see an error message stating ‘Deposit request failed.’ Please check whether any of the following situations apply.
We are currently not accepting payments via STICPAY.
Invalid Email Address or ID
When depositing funds into your XMTrading account using bitwallet, STICPAY, or BXONE, the deposit may not be reflected if the email address or account ID registered with the wallet is entered incorrectly. During the deposit process on the XM member page, you will be prompted to enter the email address registered with your wallet for bitwallet and STICPAY, or the account ID for BXONE. If this information is incorrect, you will not be redirected to the wallet’s payment screen. Please verify the registered email address or account ID with your wallet and try the deposit again.
Insufficient wallet balance
Your wallet may not have sufficient funds to cover the deposit amount. If you proceed with the deposit on the XM member page and confirm the payment in your wallet, an error message will appear if the balance is insufficient. Please add the required funds to your wallet and then retry the deposit procedure to XM.
There may not be enough funds in your wallet to cover the amount you have deposited. If you proceed with the deposit procedure from the XM member page and tap the button to confirm the payment on your wallet, a message will be displayed if there is insufficient funds in your wallet. Please deposit the necessary funds into your wallet and then proceed with the deposit procedure to XM again.
Apple Pay
When you deposit funds into your XM trading account using Apple Pay, XM will send a confirmation email to your registered email address once the funds are received and the deposit is processed. If you do not receive this email, please check whether any of the following situations apply.
Attempting to Deposit from a Non-Apple Device
Please note that Apple Pay deposits are only supported on Apple devices (iPhone, Mac, etc.). Deposits cannot be made from non-Apple devices such as Windows PCs or Android devices.
The Apple Pay Card Has Expired
If the card registered with Apple Pay has expired, you may be unable to make a deposit or the deposit may not be reflected. Please renew the card and register the new card with Apple Pay before attempting the deposit again.
Cryptocurrencies (Crypto Assets)
When you deposit virtual currency (crypto assets) into your XMTrading account, XM will send a confirmation email to your registered email address once the funds are received and the deposit is processed. If you do not receive this email, please check whether any of the following situations apply.
Non-Standardized Token
When depositing cryptocurrencies (crypto assets), each blockchain has specific token standards, and transfers must follow these standards. Sending a cryptocurrency using the wrong token standard may result in the funds not being received and potentially lost. Please ensure that you select the correct token standard when making a cryptocurrency deposit.
Remittance QR Code or Wallet Address Expired
When depositing virtual currency (crypto assets), the QR code and wallet address displayed are valid for only 15 minutes. If more than 15 minutes have passed, please generate a new QR code and wallet address for the transfer. Note that each QR code and wallet address can only be used once, so a new code and address must be created for each deposit.
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Does XM accept cryptocurrency deposits?
Yes, XM allows deposits using 25 different cryptocurrencies, including Bitcoin, Ethereum, and XRP (Ripple). There are no deposit fees. Cryptocurrencies deposited are automatically converted into the base currency of your account and reflected in your account within a few minutes to an hour.
read more
2025.02.19
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I accidentally deposited funds into my XM trading account.
Regardless of the deposit method, XM cannot cancel funds once they have been deposited into your trading account. If you accidentally deposit funds, please submit a withdrawal request to retrieve the funds from your XM trading account.
read more
2020.10.02
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Is it possible to deposit funds into my XM trading account on weekends?
Yes, you can deposit funds into your XM trading account on weekends. Deposits made via credit/debit cards, online wallets, Apple Pay, and cryptocurrencies are reflected instantly, 24 hours a day, 365 days a year. However, cryptocurrency deposits may take a few minutes to an hour to be reflected due to network conditions.
read more
2020.10.02
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Can I deposit funds into my XM trading account using V-Preca?
Yes, you can use V-Preca at XM. V-Preca is a Visa prepaid card for online use. While XM does not accept deposits with prepaid cards that cannot be refunded, deposits using refundable prepaid cards like V-Preca are accepted.
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2020.10.02
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Can I deposit Bitcoin into my XM trading account?
Yes, XM allows deposits using Bitcoin. In addition to Bitcoin, you can deposit with 25 other cryptocurrencies, including Binance Coin, Ethereum, USDT (Tether), and XRP.
read more
2020.10.02
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I transferred funds from my bank, but they have not been reflected in my XM trading account.
If you make a transfer during banking hours, the funds should be reflected in your XM trading account within 30 minutes to an hour. If more than an hour has passed and the deposit is still not reflected, it is possible that the information entered in the remitter’s name field was incorrect. Please attach documents that verify the transfer details and contact the XM Support Desk./font>
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2020.10.01
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If I deposit funds into my XM account via domestic bank transfer, how long will it take for the funds to be reflected in my account?
If you make a deposit during banking hours, the funds will be reflected in your XM trading account within 30 minutes to an hour. Deposits made on weekends, public holidays, or outside business hours will be reflected on the next business day. Please note that if the remitter’s name information is entered incorrectly, it may take longer for the funds to appear in your account.
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2020.10.01
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Can I deposit funds into my XM account using a Rakuten card?
Yes, you can use your Rakuten Card to deposit funds into XM if it is a VISA or JCB card. However, card companies have recently tightened restrictions on deposits to overseas FX accounts, so there may be cases where deposits cannot be made even with a VISA or JCB Rakuten Card.
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2020.10.01
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Can I deposit funds into XM using a JCB card?
Currently, XM is not accepting JCB card deposits from new customers. Only those with a history of JCB card deposits can use a JCB card to fund their XM trading account. If JCB deposits are available, the JCB option will appear in the list of deposit methods.
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2020.10.01
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Does XM charge any fees for deposits made via domestic bank transfer?
At XM, deposits via domestic bank transfer incur a fee of 980 yen (or 1,500 yen depending on the payment agency) if the deposit amount is less than 10,000 yen. Deposits of 10,000 yen or more are free of charge. Please note that any transfer fees charged by your bank or financial institution are the responsibility of the customer.
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2020.03.24
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Does XM accept credit or debit card deposits using AMEX or Mastercard?
No, XM does not accept deposits using American Express or MasterCard. Only VISA and JCB credit/debit cards can be used to deposit funds into XM.
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2020.03.24