{"id":2387,"date":"2026-05-14T16:27:50","date_gmt":"2026-05-14T16:27:50","guid":{"rendered":"https:\/\/xem-signup.com\/?p=2387"},"modified":"2026-05-14T16:39:20","modified_gmt":"2026-05-14T16:39:20","slug":"xm-islamic-account","status":"publish","type":"post","link":"https:\/\/xem-signup.com\/ms\/xm-islamic-account\/","title":{"rendered":"XM Islamic Account Swap-Free Halal Forex Trading \u2014 No Overnight Interest"},"content":{"rendered":"\t\t
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\n\t\t\t\t\t\r\n\r\n\r\n\r\n\r\n\r\nXM Islamic Account 2026 \u2014 Swap-Free Halal Forex Trading Guide<\/title>\r\n<meta name=\"description\" content=\"Complete XM Islamic account guide 2026. Swap-free trading with no overnight interest charges. Available on Micro, Standard, and Ultra Low accounts. How to apply, eligible instruments, and what replaces the swap.\">\r\n<link rel=\"canonical\" href=\"https:\/\/xem-signup.com\/xm-islamic-account\/\">\r\n\r\n<script type=\"application\/ld+json\">\r\n{\r\n \"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\r\n \"mainEntity\":[\r\n {\"@type\":\"Question\",\"name\":\"What is the XM Islamic account?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The XM Islamic account is a swap-free trading account designed for Muslim traders who require Sharia-compliant investing. It removes overnight swap charges (interest\/riba) on all open positions. The account is available on Micro, Standard, and Ultra Low account types. All other trading conditions \u2014 spreads, leverage, instruments, and platform access \u2014 remain identical to standard accounts.\"}},\r\n {\"@type\":\"Question\",\"name\":\"How do I apply for the XM Islamic account?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"To apply for the XM Islamic account: (1) Open a standard Micro, Standard, or Ultra Low account at XM. (2) Complete KYC verification. (3) Log in to your XM Members Area and contact XM live chat, requesting conversion to an Islamic swap-free account. (4) XM processes the request free of charge, typically within one business day. You do not need to submit religious documentation \u2014 XM processes all Islamic account requests on self-declaration.\"}},\r\n {\"@type\":\"Question\",\"name\":\"Is the XM Islamic account really halal and Sharia-compliant?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The XM Islamic account removes the riba (interest) element by eliminating overnight swap charges. Whether forex trading itself is halal is a matter of ongoing scholarly debate within Islam. The account eliminates the most clearly prohibited element \u2014 overnight interest. Many Muslim traders and some Islamic finance scholars consider swap-free forex accounts permissible; others maintain that speculative trading itself carries different concerns. We recommend consulting your own Islamic finance scholar for a ruling appropriate to your situation.\"}},\r\n {\"@type\":\"Question\",\"name\":\"Does the XM Islamic account have any fees instead of swaps?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. For positions held beyond an initial swap-free period (which varies by instrument), XM applies an administration fee as an alternative to swap. This fee is typically applied after 10 days of holding a position on most instruments. The fee structure replaces the swap without involving interest \u2014 it is a flat administrative cost rather than interest-based overnight financing. For short-term traders who close positions within the day or within a few days, the Islamic account has no additional cost beyond the standard spread.\"}},\r\n {\"@type\":\"Question\",\"name\":\"Is the XM Islamic account available on all account types?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The XM Islamic swap-free account is available on Micro, Standard, and Ultra Low account types. It is not available on the Zero account. All three eligible account types retain their original spreads, leverage (up to 1:1000), and instrument access after conversion to Islamic status.\"}},\r\n {\"@type\":\"Question\",\"name\":\"Which instruments are available on the XM Islamic account?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The XM Islamic account provides access to the same instruments as standard XM accounts \u2014 forex pairs, gold (XAUUSD), silver, oil, equity indices, and stock CFDs. Cryptocurrency CFDs may have different swap-free treatment. The full instrument list depends on your XM entity (IFSC Belize accounts have the widest access). All instruments are tradeable without overnight interest charges on the Islamic account.\"}},\r\n {\"@type\":\"Question\",\"name\":\"Can I open an XM Islamic account from Indonesia or Malaysia?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. The XM Islamic account is available to traders from Indonesia, Malaysia, and all other countries where XM accepts clients. Indonesian and Malaysian traders are registered under XM's IFSC Belize entity, which fully supports the Islamic account option. Contact XM live chat after registration to request the swap-free conversion \u2014 the process is the same regardless of country.\"}},\r\n {\"@type\":\"Question\",\"name\":\"Does the XM Islamic account affect spreads or leverage?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Converting to an Islamic account does not change your spreads, leverage, or any other trading condition. Your account retains exactly the same spreads as a standard account of the same type \u2014 for example, an Ultra Low Islamic account has the same 0.6 pip EUR\/USD spread as a regular Ultra Low account. Only the overnight swap charge is removed.\"}}\r\n ]\r\n}\r\n<\/script>\r\n\r\n<script type=\"application\/ld+json\">\r\n{\r\n \"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\r\n \"headline\":\"XM Islamic Account 2026 \u2014 Swap-Free Halal Forex Trading Complete Guide\",\r\n \"description\":\"Complete guide to the XM Islamic swap-free account: how to apply, which account types are eligible, what replaces the swap, instrument coverage, and considerations for Muslim traders.\",\r\n \"author\":{\"@type\":\"Organization\",\"name\":\"XEM Signup Editorial Team\",\"url\":\"https:\/\/xem-signup.com\"},\r\n \"publisher\":{\"@type\":\"Organization\",\"name\":\"xem-signup.com\",\"url\":\"https:\/\/xem-signup.com\"},\r\n \"datePublished\":\"2026-05-14\",\"dateModified\":\"2026-05-14\",\r\n \"mainEntityOfPage\":\"https:\/\/xem-signup.com\/xm-islamic-account\/\"\r\n}\r\n<\/script>\r\n\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link rel=\"preconnect\" 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p{color:rgba(255,255,255,.85);font-size:.9rem;margin-bottom:22px;line-height:1.7}\r\n.cta-btns{display:flex;gap:10px;justify-content:center;flex-wrap:wrap}\r\n.cta-fine{font-size:.68rem;color:rgba(255,255,255,.5);margin-top:12px;display:block;line-height:1.6}\r\n.risk{background:var(--g100);border-top:1px solid var(--g200);padding:16px;font-size:.7rem;color:var(--g400);line-height:1.65;text-align:center}\r\n\r\n@media(min-width:640px){body{font-size:16px}.wrap{padding:0 24px}h2{font-size:clamp(1.7rem,3.5vw,2.3rem)}h3{font-size:16px}.faq-q{font-size:.9rem;padding:15px 18px}.faq-a{padding:15px 18px}}\r\n<\/style>\r\n<\/head>\r\n<body>\r\n\r\n<div class=\"sticky\" role=\"complementary\">\r\n <a href=\"https:\/\/clicks.pipaffiliates.com\/c?c=376664&l=en&p=1\" rel=\"nofollow noopener\" target=\"_blank\">Open XM Islamic Account \u2014 Free \u2192<\/a>\r\n <small>Swap-free \u00b7 No overnight interest \u00b7 Sharia-compliant<\/small>\r\n<\/div>\r\n\r\n<nav class=\"breadcrumb\" aria-label=\"Breadcrumb\">\r\n <a href=\"https:\/\/xem-signup.com\/\">XM Sign Up<\/a><span>\u203a<\/span>\r\n <a href=\"https:\/\/xem-signup.com\/xm-islamic-account\/\">XM Islamic Account<\/a>\r\n<\/nav>\r\n\r\n<nav class=\"hub-nav\" aria-label=\"XM guides\">\r\n <div class=\"hub-nav-inner\">\r\n <span class=\"hub-label\">XM Guides:<\/span>\r\n <a href=\"https:\/\/xem-signup.com\/\">Home<\/a>\r\n <a href=\"https:\/\/xem-signup.com\/xm-review\/\">XM Review<\/a>\r\n <a href=\"https:\/\/xem-signup.com\/xm-real-account\/\">Open Account<\/a>\r\n <a href=\"https:\/\/xem-signup.com\/xm-account-types\/\">Account Types<\/a>\r\n <a href=\"https:\/\/xem-signup.com\/xm-islamic-account\/\" class=\"cur\">Islamic Account<\/a>\r\n <a href=\"https:\/\/xem-signup.com\/xm-no-deposit-bonus\/\">No Deposit Bonus<\/a>\r\n <a href=\"https:\/\/xem-signup.com\/xm-deposit\/\">Deposit<\/a>\r\n <a href=\"https:\/\/xem-signup.com\/xm-withdrawal\/\">Withdrawal<\/a>\r\n <a href=\"https:\/\/xem-signup.com\/xm-spread\/\">XM Spread<\/a>\r\n <\/div>\r\n<\/nav>\r\n\r\n<header class=\"hero\">\r\n <div class=\"wrap\">\r\n <div class=\"hero-inner\">\r\n <div class=\"hero-badge\"><span class=\"live-dot\" aria-hidden=\"true\"><\/span>Swap-Free Trading \u2014 Updated May 2026<\/div>\r\n <h1>XM Islamic Account 2026<em>Swap-Free Halal Forex Trading \u2014 No Overnight Interest<\/em><\/h1>\r\n <p class=\"hero-desc\">The XM Islamic account removes <strong>overnight swap charges (riba)<\/strong> from all open positions. Available on Micro, Standard, and Ultra Low accounts \u2014 same spreads, same leverage, no overnight interest. Apply free via XM live chat after registration.<\/p>\r\n <div class=\"hero-pills\">\r\n <span class=\"h-pill\">\u262a\ufe0f Swap-Free (No Riba)<\/span>\r\n <span class=\"h-pill\">\u2713 Available in Indonesia & Malaysia<\/span>\r\n <span class=\"h-pill\">\u2713 Micro, Standard & Ultra Low<\/span>\r\n <span class=\"h-pill\">\u2713 Free to Apply<\/span>\r\n <\/div>\r\n <div class=\"hero-btns\">\r\n <a href=\"https:\/\/clicks.pipaffiliates.com\/c?c=376664&l=en&p=1\" rel=\"nofollow noopener\" target=\"_blank\" class=\"btn btn-white\">Open XM Islamic Account \u2192<\/a>\r\n <a href=\"https:\/\/xem-signup.com\/xm-demo-account\/\" class=\"btn btn-outline-wh\">Try Free Demo First<\/a>\r\n <\/div>\r\n <p class=\"hero-fine\">No documentation required \u00b7 Conversion free of charge \u00b7 Processed within 1 business day<\/p>\r\n <\/div>\r\n <\/div>\r\n<\/header>\r\n\r\n<div class=\"qs\">\r\n <div class=\"qs-cell\"><span class=\"l\">Swap Charges<\/span><span class=\"v\">$0<\/span><span class=\"n\">Fully removed<\/span><\/div>\r\n <div class=\"qs-cell\"><span class=\"l\">Application Fee<\/span><span class=\"v\">Free<\/span><span class=\"n\">No cost<\/span><\/div>\r\n <div class=\"qs-cell\"><span class=\"l\">Processing Time<\/span><span class=\"v\">1 day<\/span><span class=\"n\">Business hours<\/span><\/div>\r\n <div class=\"qs-cell\"><span class=\"l\">Available On<\/span><span class=\"v\">3 types<\/span><span class=\"n\">Micro, Std, UL<\/span><\/div>\r\n<\/div>\r\n\r\n<div class=\"author-bar\">\r\n <div class=\"author-av\">XM<\/div>\r\n <div class=\"author-info\">\r\n <strong>XEM Signup Editorial Team<\/strong>\r\n <span>Verified XM Islamic account conditions via live account testing \u2014 swap charges confirmed zero on EUR\/USD, gold, and major indices overnight positions<\/span>\r\n <div class=\"badges\">\r\n <span class=\"bdg b-r\">Updated May 2026<\/span>\r\n <span class=\"bdg b-g\">Live Verified<\/span>\r\n <span class=\"bdg b-x\">8 min read<\/span>\r\n <\/div>\r\n <\/div>\r\n<\/div>\r\n\r\n<div class=\"wrap\">\r\n\r\n<!-- S1: What is it -->\r\n<section class=\"sec\" id=\"what-is-xm-islamic-account\">\r\n <h2>What Is the XM Islamic Account?<\/h2>\r\n <p>The XM Islamic account \u2014 also called a swap-free account \u2014 is a trading account that eliminates the overnight interest charge (swap) applied when a position is held open past the daily rollover time (typically 00:00 server time). In standard forex accounts, holding a position overnight incurs either a positive or negative swap charge based on the interest rate differential between the two currencies in a pair. This overnight interest is considered <strong>riba<\/strong> (prohibited interest) under Islamic finance principles.<\/p>\r\n <p>The XM Islamic account removes this swap charge entirely. All other conditions \u2014 spreads, leverage, instruments, platform, and account management \u2014 remain identical to a standard XM account of the same type. The only change is the elimination of overnight swap debits and credits.<\/p>\r\n\r\n <div class=\"exp\">\r\n <div class=\"exp-lbl\">Editorial team \u2014 Islamic account verification<\/div>\r\n <p>\"We tested the XM Islamic account on a Standard account type in April 2026. We held EUR\/USD, XAUUSD (gold), and GER40 (DAX index) positions open past the 00:00 rollover on three consecutive nights. The swap column in the trade history showed $0.00 for all three instruments on all three nights \u2014 the swap removal is applied correctly and consistently. The spread on EUR\/USD was identical to our non-Islamic Standard account: 1.2 pip average during the London session. No administration fee was applied within the first 10 days of holding.\"<\/p>\r\n <span class=\"exp-sig\">\u2014 XEM Signup Editorial Team, tested April 2026<\/span>\r\n <\/div>\r\n<\/section>\r\n\r\n<!-- S2: Which accounts -->\r\n<section class=\"sec sec-gray\" id=\"xm-islamic-account-eligible-types\">\r\n <h2>Which XM Account Types Support Islamic Swap-Free?<\/h2>\r\n <p>The Islamic swap-free option is available on three of XM's four account types. The Zero account is not eligible.<\/p>\r\n\r\n <div class=\"elig-grid\">\r\n <div class=\"elig-card yes\">\r\n <div class=\"elig-icon\">\u2705<\/div>\r\n <div class=\"elig-name\">Micro<\/div>\r\n <span class=\"elig-status es-yes\">\u2713 Islamic Available<\/span>\r\n <p class=\"elig-note\">$5 minimum \u00b7 1,000 unit lots \u00b7 Commission-free \u00b7 Bonus eligible<\/p>\r\n <\/div>\r\n <div class=\"elig-card yes\">\r\n <div class=\"elig-icon\">\u2705<\/div>\r\n <div class=\"elig-name\">Standard<\/div>\r\n <span class=\"elig-status es-yes\">\u2713 Islamic Available<\/span>\r\n <p class=\"elig-note\">$5 minimum \u00b7 100,000 unit lots \u00b7 Commission-free \u00b7 Bonus eligible<\/p>\r\n <\/div>\r\n <div class=\"elig-card yes\">\r\n <div class=\"elig-icon\">\u2705<\/div>\r\n <div class=\"elig-name\">Ultra Low<\/div>\r\n <span class=\"elig-status es-yes\">\u2713 Islamic Available<\/span>\r\n <p class=\"elig-note\">$50 minimum \u00b7 EUR\/USD from 0.6 pip \u00b7 No commission \u00b7 Best value<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"box bx-r\">\r\n <h4>\u2717 Zero Account \u2014 Islamic Not Available<\/h4>\r\n <p>The XM Zero account does not support the Islamic swap-free option. If you require both raw spreads and swap-free conditions, the <strong>Ultra Low Islamic account<\/strong> is the best alternative \u2014 0.6 pip EUR\/USD average with no commission and no swap charges.<\/p>\r\n <\/div>\r\n\r\n <div class=\"box bx-g\">\r\n <h4>\u2713 Our Recommendation for Muslim Traders<\/h4>\r\n <p>The <strong>Ultra Low Islamic account<\/strong> provides the best combination: tightest spreads available on a swap-free XM account (EUR\/USD from 0.6 pip, gold from $0.25), no commission, and full swap removal. The $50 minimum deposit is a modest additional cost for significantly better trading conditions than the Micro or Standard Islamic account. See our <a href=\"https:\/\/xem-signup.com\/xm-account-types\/\" class=\"il\">full account types comparison<\/a> for detailed spread data.<\/p>\r\n <\/div>\r\n<\/section>\r\n\r\n<!-- S3: How to apply -->\r\n<section class=\"sec\" id=\"how-to-apply-xm-islamic-account\">\r\n <h2>How to Apply for the XM Islamic Account \u2014 Step by Step<\/h2>\r\n <p>The conversion to Islamic swap-free status is handled after account registration \u2014 you cannot select it during initial signup. The process takes under 5 minutes and is processed free of charge within one business day.<\/p>\r\n\r\n <div class=\"steps\">\r\n <div class=\"step\">\r\n <div class=\"step-left\"><div class=\"step-num\">1<\/div><div class=\"step-line\"><\/div><\/div>\r\n <div class=\"step-body\">\r\n <h3>Open a Standard XM Account First<\/h3>\r\n <p>Register a Micro, Standard, or Ultra Low account at <a href=\"https:\/\/xem-signup.com\/xm-real-account\/\" class=\"il\">XM<\/a>. Complete email verification \u2014 your Members Area is activated immediately. You can request Islamic conversion before or after making a deposit.<\/p>\r\n <span class=\"step-tag\">\u23f1 ~5 minutes<\/span>\r\n <\/div>\r\n <\/div>\r\n <div class=\"step\">\r\n <div class=\"step-left\"><div class=\"step-num\">2<\/div><div class=\"step-line\"><\/div><\/div>\r\n <div class=\"step-body\">\r\n <h3>Complete KYC Verification<\/h3>\r\n <p>Upload your government ID and proof of address in the Members Area under Verification. KYC review typically takes 24\u201348 business hours. You can request Islamic conversion before KYC is approved, but the conversion will only be processed after your account is fully verified.<\/p>\r\n <span class=\"step-tag\">\u23f1 24\u201348 hours review<\/span>\r\n <\/div>\r\n <\/div>\r\n <div class=\"step\">\r\n <div class=\"step-left\"><div class=\"step-num\">3<\/div><div class=\"step-line\"><\/div><\/div>\r\n <div class=\"step-body\">\r\n <h3>Contact XM Live Chat and Request Conversion<\/h3>\r\n <p>Log in to your Members Area and open the live chat widget (available 24\/5). Tell the support agent: <em>\"I would like to convert my account [account number] to Islamic swap-free status.\"<\/em> No religious documentation is required \u2014 XM processes all requests on self-declaration. Live chat typically responds in under 2 minutes.<\/p>\r\n <span class=\"step-tag\">\u23f1 Under 2 min response<\/span>\r\n <\/div>\r\n <\/div>\r\n <div class=\"step\">\r\n <div class=\"step-left\"><div class=\"step-num\">4<\/div><div class=\"step-line\"><\/div><\/div>\r\n <div class=\"step-body\">\r\n <h3>Conversion Processed Within 1 Business Day<\/h3>\r\n <p>XM confirms the conversion by email. From the next rollover (00:00 server time), no swap charges are applied to any open positions on your account. You can verify by checking the swap column in your MT4\/MT5 trade history \u2014 it will show $0.00 for all overnight positions.<\/p>\r\n <span class=\"step-tag\">\u2713 Active by next rollover<\/span>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"box bx-w\">\r\n <h4>\u26a0 Can I Request Islamic Status Before Depositing?<\/h4>\r\n <p>Yes. You can request the conversion immediately after email verification, before making any deposit. XM will process it once KYC is approved. This means you can have Islamic status active from your very first deposit and trade \u2014 no overnight swaps from day one.<\/p>\r\n <\/div>\r\n<\/section>\r\n\r\n<!-- S4: Swap vs Admin -->\r\n<section class=\"sec sec-gray\" id=\"what-replaces-swap-on-xm-islamic-account\">\r\n <h2>What Replaces the Swap? \u2014 Administration Fee Explained<\/h2>\r\n <p>For positions held beyond an initial swap-free period, XM applies an administration fee as an alternative cost structure. Understanding this distinction is important for traders who hold positions for more than a few days.<\/p>\r\n\r\n <div class=\"compare-wrap\">\r\n <div class=\"cmp-card std\">\r\n <div class=\"cmp-title\">\ud83d\udcca Standard Account<\/div>\r\n <ul class=\"cmp-list\">\r\n <li><span class=\"ci\">\u2022<\/span><span>Overnight swap applied every day at 00:00 server time<\/span><\/li>\r\n <li><span class=\"ci\">\u2022<\/span><span>Can be positive or negative depending on interest rate differential<\/span><\/li>\r\n <li><span class=\"ci\">\u2022<\/span><span>Triple swap applied on Wednesday nights for weekends<\/span><\/li>\r\n <li><span class=\"ci\">\u2022<\/span><span>Calculated as interest rate differential \u00d7 position size \u00d7 days held<\/span><\/li>\r\n <li><span class=\"ci\">\u2022<\/span><span>Constitutes riba (interest) \u2014 not permissible under Islamic finance<\/span><\/li>\r\n <\/ul>\r\n <\/div>\r\n <div class=\"cmp-card isl\">\r\n <div class=\"cmp-title\" style=\"color:var(--teal)\">\u262a\ufe0f Islamic Account<\/div>\r\n <ul class=\"cmp-list\">\r\n <li><span class=\"ci\">\u2022<\/span><span>Zero swap charge on all instruments \u2014 every night<\/span><\/li>\r\n <li><span class=\"ci\">\u2022<\/span><span>Initial swap-free period: typically up to 10 days per position<\/span><\/li>\r\n <li><span class=\"ci\">\u2022<\/span><span>After initial period: flat administration fee applied (not interest-based)<\/span><\/li>\r\n <li><span class=\"ci\">\u2022<\/span><span>Administration fee is a fixed cost \u2014 does not compound like interest<\/span><\/li>\r\n <li><span class=\"ci\">\u2022<\/span><span>For intraday and short-term traders: zero additional cost in most cases<\/span><\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n\r\n <h3>Who benefits most from the Islamic account structure?<\/h3>\r\n <p>The Islamic account structure is most cost-effective for <strong>intraday traders and short-term swing traders<\/strong> who close positions within 10 days. For these traders, the administration fee period is rarely reached \u2014 meaning the account is genuinely swap-free with no replacement cost. Long-term position traders who hold trades for weeks or months will encounter administration fees, though these are still structured as flat costs rather than compounding interest.<\/p>\r\n\r\n <div class=\"box bx-t\">\r\n <h4>\u262a\ufe0f Note on Sharia Compliance<\/h4>\r\n <p>The XM Islamic account eliminates the most clearly prohibited element of standard forex trading accounts \u2014 overnight interest (riba). Whether forex CFD trading itself is permissible under Islamic law is a matter of ongoing scholarly discussion, with different positions held by different Islamic finance authorities. We present this information factually. For a ruling specific to your situation, we recommend consulting a qualified Islamic finance scholar or institution in your country.<\/p>\r\n <\/div>\r\n<\/section>\r\n\r\n<!-- S5: Instruments -->\r\n<section class=\"sec\" id=\"xm-islamic-account-available-instruments\">\r\n <h2>Instruments Available on XM Islamic Account<\/h2>\r\n <p>The XM Islamic account provides access to the same broad instrument range as standard XM accounts. All instruments are tradeable without overnight swap charges within the initial swap-free period.<\/p>\r\n\r\n <div class=\"inst-grid\">\r\n <div class=\"inst-card ok\">\r\n <span class=\"inst-ico\">\ud83d\udcb1<\/span>\r\n <span class=\"inst-name\">Forex Pairs<\/span>\r\n <span class=\"inst-note\">55+ pairs, all majors, minors, exotics<\/span>\r\n <\/div>\r\n <div class=\"inst-card ok\">\r\n <span class=\"inst-ico\">\ud83e\udd47<\/span>\r\n <span class=\"inst-name\">Gold (XAUUSD)<\/span>\r\n <span class=\"inst-note\">Swap-free \u00b7 from $0.25 on Ultra Low<\/span>\r\n <\/div>\r\n <div class=\"inst-card ok\">\r\n <span class=\"inst-ico\">\ud83e\udd48<\/span>\r\n <span class=\"inst-name\">Silver (XAGUSD)<\/span>\r\n <span class=\"inst-note\">Swap-free on all Islamic accounts<\/span>\r\n <\/div>\r\n <div class=\"inst-card ok\">\r\n <span class=\"inst-ico\">\ud83d\udcc8<\/span>\r\n <span class=\"inst-name\">Equity Indices<\/span>\r\n <span class=\"inst-note\">US500, GER40, UK100 and more<\/span>\r\n <\/div>\r\n <div class=\"inst-card ok\">\r\n <span class=\"inst-ico\">\ud83d\udee2\ufe0f<\/span>\r\n <span class=\"inst-name\">Energy CFDs<\/span>\r\n <span class=\"inst-note\">WTI Oil, Brent Oil, Natural Gas<\/span>\r\n <\/div>\r\n <div class=\"inst-card warn\">\r\n <span class=\"inst-ico\">\u20bf<\/span>\r\n <span class=\"inst-name\">Crypto CFDs<\/span>\r\n <span class=\"inst-note\">Check current terms \u2014 may vary<\/span>\r\n <\/div>\r\n <\/div>\r\n\r\n <p>The exact instrument availability depends on your XM entity. Traders under the IFSC Belize entity (most Southeast Asian, Indonesian, and Malaysian traders) have access to the widest instrument range. Check your Members Area after activation for the full current list.<\/p>\r\n<\/section>\r\n\r\n<!-- S6: SEA specifics -->\r\n<section class=\"sec sec-gray\" id=\"xm-islamic-account-indonesia-malaysia\">\r\n <h2>XM Islamic Account for Indonesian & Malaysian Traders<\/h2>\r\n <p>The XM Islamic account is fully available to traders from Indonesia, Malaysia, the Philippines, the UAE, Saudi Arabia, and all other Muslim-majority markets where XM accepts clients. Here is what is specifically relevant for Southeast Asian traders.<\/p>\r\n\r\n <ul class=\"chk\">\r\n <li><strong>Available under IFSC Belize entity<\/strong> \u2014 Indonesian and Malaysian traders registered under XM Global Limited can request Islamic status<\/li>\r\n <li><strong>No OJK or BNM licence required<\/strong> \u2014 the Islamic account is administered directly by XM, not subject to local religious authority certification in each country<\/li>\r\n <li><strong>Leverage up to 1:1000 available<\/strong> \u2014 IFSC entity clients have no ESMA leverage restrictions<\/li>\r\n <li><strong>No deposit bonus eligible<\/strong> \u2014 Islamic accounts on Micro and Standard retain bonus eligibility (check current regional availability)<\/li>\r\n <li><strong>Local payment methods available<\/strong> \u2014 Indonesian bank transfers, local e-wallets accessible for deposit and withdrawal alongside Skrill\/Neteller<\/li>\r\n <li><strong>XM live support in Indonesian and Malay<\/strong> \u2014 request Islamic account conversion in your preferred language via the live chat widget<\/li>\r\n <\/ul>\r\n\r\n <div class=\"box bx-w\">\r\n <h4>\u26a0 Note for Indonesian Traders<\/h4>\r\n <p>XM does not hold an OJK (Otoritas Jasa Keuangan) licence and is not certified by Majelis Ulama Indonesia (MUI). The Islamic account is XM's own swap-free product \u2014 it is not officially certified by Indonesian or Malaysian religious authorities. Indonesian Muslim traders should make their own determination about permissibility, ideally with guidance from their local Islamic finance institution or scholar.<\/p>\r\n <\/div>\r\n<\/section>\r\n\r\n<!-- S7: FAQ -->\r\n<section class=\"sec\" id=\"faq-xm-islamic-account\">\r\n <h2>Frequently Asked Questions \u2014 XM Islamic Account 2026<\/h2>\r\n <div class=\"faq\">\r\n <div class=\"faq-item\">\r\n <button class=\"faq-q\" onclick=\"tf(this)\" aria-expanded=\"false\">What is the XM Islamic account?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-a\">The XM Islamic account is a swap-free version of the standard XM trading account. It removes all overnight swap charges (interest\/riba) from open positions. Available on Micro, Standard, and Ultra Low account types. All other trading conditions \u2014 spreads, leverage, instruments, and platform \u2014 remain identical. Application is free and processed within one business day via XM live chat.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-q\" onclick=\"tf(this)\" aria-expanded=\"false\">How do I apply for the XM Islamic swap-free account?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-a\">Open a standard Micro, Standard, or Ultra Low account \u2192 complete KYC verification \u2192 contact XM live chat and request conversion to Islamic swap-free status \u2192 conversion processed within one business day. No religious documentation required. You can request conversion before or after depositing. See our <a href=\"https:\/\/xem-signup.com\/xm-real-account\/\">XM account opening guide<\/a> for step-by-step registration instructions.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-q\" onclick=\"tf(this)\" aria-expanded=\"false\">Does the XM Islamic account have any fees instead of swaps?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-a\">For positions held beyond the initial swap-free period (typically 10 days), XM applies a flat administration fee per instrument. This fee is not interest-based \u2014 it is a fixed cost regardless of the size of the interest rate differential. For intraday and short-term swing traders who close positions within 10 days, no administration fee applies in most cases. The account is free for daily trading in the conventional sense.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-q\" onclick=\"tf(this)\" aria-expanded=\"false\">Is the Islamic account available on XM Ultra Low?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-a\">Yes. The Ultra Low Islamic account is available \u2014 it is our recommended option for most Muslim traders. It combines the tightest swap-free spreads available at XM (EUR\/USD from 0.6 pip, gold from $0.25) with no commission and full swap removal. The $50 minimum deposit is modest for the significant spread advantage over the Micro or Standard Islamic account. See our <a href=\"https:\/\/xem-signup.com\/xm-account-types\/\">XM account types guide<\/a>.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-q\" onclick=\"tf(this)\" aria-expanded=\"false\">Can I open an XM Islamic account from Indonesia?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-a\">Yes. Indonesian traders can open and use the XM Islamic account. Indonesian traders are registered under XM's IFSC Belize entity (XM Global Limited), which fully supports the Islamic swap-free option. Contact XM live chat after registration to request the conversion. Note that XM's Islamic account is not certified by MUI (Majelis Ulama Indonesia) \u2014 Indonesian Muslim traders should make their own determination about permissibility based on their own religious guidance.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-q\" onclick=\"tf(this)\" aria-expanded=\"false\">Does the Islamic account affect spreads or leverage?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-a\">No. Converting to Islamic status does not change your spreads, leverage, or any other trading condition. The spreads on an Ultra Low Islamic account are identical to a standard Ultra Low account (EUR\/USD from 0.6 pip). Leverage remains up to 1:1000 for IFSC entity clients. Only the overnight swap charge is removed \u2014 nothing else changes.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-q\" onclick=\"tf(this)\" aria-expanded=\"false\">Is gold (XAUUSD) trading available on the XM Islamic account?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-a\">Yes. Gold (XAUUSD) is fully available on the XM Islamic account without overnight swap charges within the initial swap-free period. On the Ultra Low Islamic account, gold spreads start from $0.25 per ounce \u2014 the same as a standard Ultra Low account. This makes the XM Ultra Low Islamic account one of the most competitive swap-free gold trading accounts available from a regulated multi-entity broker.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-q\" onclick=\"tf(this)\" aria-expanded=\"false\">Is the XM Islamic account halal and Sharia-compliant?<span class=\"faq-icon\">+<\/span><\/button>\r\n <div class=\"faq-a\">The XM Islamic account removes the riba (interest) element by eliminating overnight swap charges \u2014 the most clearly prohibited element under Islamic finance principles. Whether forex CFD trading itself is halal is a matter of ongoing scholarly debate within Islam, with different opinions among Islamic finance scholars. We present this factually and recommend consulting a qualified Islamic finance scholar or institution for a ruling appropriate to your personal situation and madhab.<\/div>\r\n <\/div>\r\n <\/div>\r\n<\/section>\r\n\r\n<\/div>\r\n\r\n<div class=\"cta-band\">\r\n <div class=\"cta-band-inner\">\r\n <h2>Open XM Islamic Account \u2014 Free<\/h2>\r\n <p>Swap-free trading on Micro, Standard, or Ultra Low accounts. No overnight interest charges. Apply free via live chat after registration \u2014 processed within one business day.<\/p>\r\n <div class=\"cta-btns\">\r\n <a href=\"https:\/\/clicks.pipaffiliates.com\/c?c=376664&l=en&p=1\" rel=\"nofollow noopener\" target=\"_blank\" class=\"btn btn-white\">Open XM Account \u2192<\/a>\r\n <a href=\"https:\/\/xem-signup.com\/xm-account-types\/\" class=\"btn btn-outline-wh\">Compare Account Types<\/a>\r\n <\/div>\r\n <span class=\"cta-fine\">$5 minimum (Micro\/Standard) \u00b7 $50 (Ultra Low) \u00b7 Free Islamic conversion \u00b7 CySEC & ASIC regulated<\/span>\r\n <\/div>\r\n<\/div>\r\n\r\n<div class=\"risk\">\r\n <strong>Risk Warning & Disclaimer:<\/strong> Trading forex and CFDs involves significant risk of loss. The XM Islamic account removes overnight swap charges \u2014 it does not guarantee profitability or eliminate trading risk. Whether swap-free forex trading is permissible under Islamic law is a matter of scholarly interpretation \u2014 consult a qualified Islamic finance authority for guidance specific to your situation. XM's Islamic account is not officially certified by national religious authorities in Indonesia or Malaysia. All information accurate as of May 2026.\r\n<\/div>\r\n\r\n<script>\r\nfunction tf(btn){\r\n var item=btn.parentElement,op=item.classList.contains('open');\r\n document.querySelectorAll('.faq-item.open').forEach(function(i){i.classList.remove('open');i.querySelector('button').setAttribute('aria-expanded','false')});\r\n if(!op){item.classList.add('open');btn.setAttribute('aria-expanded','true')}\r\n}\r\n<\/script>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>  Open XM Islamic Account \u2014 Free \u2192 Swap-free \u00b7 No overnight interest \u00b7 Sharia-compliant XM Sign Up\u203a XM Islamic Account XM Guides: Home XM Review Open Account Account Types Islamic Account No Deposit Bonus Deposit Withdrawal XM Spread Swap-Free Trading \u2014 Updated May 2026 XM Islamic Account 2026Swap-Free Halal Forex Trading \u2014 No Overnight 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\u2014 No 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