XM Inactivity Fee Explained: 90 Days, 10 USD a Month, and Frozen Accounts

If you stop trading on an XMTrading account for a few months, a fee can start coming out of your balance without any warning from you. This guide covers the rule as stated on XMTrading's official help centre: what counts as activity, when an account becomes dormant, what you lose, how to avoid it, and how a separate freeze rule works for very small balances. It also explains how this relates to your CB-Dogs cashback balance, which is a different thing with its own rule.

Key takeaways

• At XMTrading, an account with no activity for 90 or more days is treated as dormant.
• Dormant accounts are charged 10 USD per month, or the whole balance if it is under 10 USD. No fee is charged if the balance is zero.
• When an account becomes dormant, all remaining bonuses, campaign credit and XMP are removed.
• Separately, an account with a balance of 5 USD (500 JPY, 5 EUR) or less that is unused for 90 days is frozen, and a frozen account cannot be reopened.
• Your CB-Dogs cashback balance is not part of your XM account. It has its own expiry rule, with two notice emails before anything expires.

What counts as activity

XMTrading's help centre says an account with no activity for 90 days or more is dormant. Activity is not limited to placing trades. The listed examples are:

• Trading
• A deposit
• A withdrawal
• A fund transfer
• Opening an additional account
• Registration

So a single small deposit or an internal transfer resets the clock just as a trade does, according to the help centre's wording. If you are unsure whether a specific action counts, ask XMTrading support in writing and keep the reply.

The timeline: day 90 and the monthly fee

1. Day 0: your last activity (trade, deposit, withdrawal, transfer and so on).
2. Day 90: with no further activity, the account is dormant. All remaining bonuses, campaign credit and XMP are removed at this point.
3. After that: the dormant account is charged 10 USD per month. If the balance is under 10 USD, the fee is the whole balance. If the balance is zero, there is no fee.

The fee repeats monthly while the account stays dormant, so a balance that looks safe can shrink steadily. For example, with a balance of 200 USD and no activity, the monthly charge would take it down by 10 USD each month (illustrative arithmetic only, not a forecast for any real account).

What you lose when an account goes dormant

The fee is the visible cost, but the removal of promotional value is often the larger loss:

• Bonuses still on the account
• Campaign credit
• XMP (XM loyalty points)

These are removed when the account becomes dormant, not gradually. If you were holding XMP to redeem later, redeem them before the 90-day mark rather than assuming they will wait for you.

The separate freeze rule for tiny balances

A different rule applies to accounts with almost nothing in them. According to the help centre, an account whose balance is 5 USD, 500 JPY or 5 EUR or less (including zero), and which is unused for 90 days, is frozen. A frozen account cannot be reopened.

This matters if you have several leftover accounts with small residual balances. XMTrading allows up to 10 live accounts at the same time, and it is easy to forget an old one. If a leftover account matters to you (for example because you want to keep that account number), make sure it sees some activity or holds a balance above the threshold. If you do not need it, closing it properly is cleaner than letting it freeze.

Frozen and dormant are not the same status: dormant accounts are charged a fee and lose bonuses; frozen accounts are the tiny-balance case and cannot be reopened.

How to avoid inactivity fees

• Keep some activity. A small trade, deposit, withdrawal or transfer within each 90-day window is enough under the help centre's list of activity types. Only do this if it makes sense for you. Do not trade just to dodge a 10 USD fee if that pushes you into positions you would not otherwise take.
• Withdraw your balance before a long break. If you will be away from trading (travel, work, a move), withdrawing the balance first means nothing is left to be charged. See our guide to XM withdrawal methods, times and fees for how long this takes.
• Redeem or use XMP and bonuses first if you want any value from them, since they are removed at dormancy.
• Close accounts you no longer use. With up to 10 live accounts allowed, unused extras are the usual way people end up with a dormant fee or a frozen account.
• Put a reminder in your calendar at roughly 75 days after your last activity.

Demo accounts follow their own rule: XMTrading says there is no time limit on a demo account, but one unused for 60 or more days is closed automatically. You can open a new demo account at any time, so nothing is lost beyond the practice setup.

How this relates to CB-Dogs cashback

CB-Dogs cashback is paid on the trades you complete through our partner link: it is 60% of the IB commission we receive on your trading, paid in USDT on TRC20. Your cashback balance sits with CB-Dogs, not inside your XM account, so XM's dormancy fee does not reduce it. XM account status also does not remove cashback you have already earned.

It does have its own rule, though. Under our terms, a balance credited more than 12 months ago may expire if you have neither logged in nor made a withdrawal in the last 12 months. Before any balance expires, we send two notices to your registered email, about 30 days and about 7 days before the expiry date. If you log in or withdraw before the date in the notice, that balance does not expire. For the exact wording, read the current terms of service.

In practice, the same habit solves both: when you step away, withdraw what you can. Withdrawals are in USDT (TRC20) from 10 USDT; a withdrawal under 50 USDT carries a 3 USDT fee, and 50 USDT or more is free.

You can see the current cashback rates for each XMTrading account type below, and the full details on the XM broker page.

How long before an XM account becomes dormant?

According to XMTrading's help centre, an account with no activity (trading, deposit, withdrawal, fund transfer, additional account opening, registration and so on) for 90 days or more is dormant.

How much is the XM dormant account fee?

What happens to bonuses and XMP on a dormant account?

Can I reopen a frozen XM account?

Does the XM inactivity fee reduce my CB-Dogs cashback?