XM Cashback & Rebate Rates 2026: Account Types, Calculator and Guide
Updated: July 27, 2026
XM cashback returns a net amount from eligible trading activity without changing the spread, commission or trading conditions of the account. The amount depends on the XM account type, instrument and approved trading volume.
XM cashback rates for 2026
The figures below are the net amounts available to the investor. Forex values use one standard-lot equivalent. Micro and cent-sized volumes are calculated proportionally.
| Instrument | Standard account | Ultra Low account |
|---|---|---|
| EURUSD | $4.50 per lot | $1.75 per lot |
| GBPUSD | $5.00 per lot | $1.75 per lot |
| USDJPY | $4.50 per lot | $1.50 per lot |
| EURCHF | $6.00 per lot | $5.00 per lot |
| GOLD | $10.00 per lot | $5.00 per lot |
| SILVER | $45.00 per lot | $15.00 per lot |
| BTCUSD | $10.00 per contract/lot unit | $3.95 per contract/lot unit |
Other currency pairs, metals, indices, energy products and cryptocurrencies use their own instrument rate. Open the XM calculator for the complete product list.
XM rebate calculator
Select the account type, instrument and expected trading volume on the XM broker page. The calculator multiplies the eligible volume by the displayed net unit rebate.
Example calculation
If 10 eligible standard lots of EURUSD are approved on an XM Standard account, the estimated rebate is 10 × $4.50 = $45.00. Ten eligible lots of GOLD on the same account would produce an estimated $100.00.
Standard vs Ultra Low
The highest rebate is not automatically the lowest final trading cost. Compare the account's spread, execution conditions and instrument-specific rebate together. The Ultra Low account may have a smaller displayed rebate while offering different trading costs.
How to activate XM cashback
- Open or access your XM member area.
- Create a new eligible sub-account using partner code 44WRM.
- Add the MetaTrader account number in the Forex Cashback World customer panel.
- Trade eligible products and follow approved rebates in your account.
Existing XM accounts cannot normally be transferred, so a new eligible sub-account is required. Availability depends on country and XM entity. The cashback program is not available to clients in the EEA, Liechtenstein or Iceland.
Frequently asked questions
Is XM cashback guaranteed?
No. The calculator is an estimate. Final payment depends on the volume and products XM approves as eligible.
Does cashback change XM spreads?
No. The rebate does not replace or remove broker spreads, commissions, swaps or other account charges.
When is the rebate paid?
Approved rebates are credited according to the payment process shown on the XM broker page.
Risk warning: Forex and CFD trading involves a high level of risk and may not be suitable for all investors. Cashback can reduce part of a trading cost, but it does not prevent trading losses and is not investment advice.