XM Loyalty Points How to Earn Per Lot Traded, Check Your Balance & Redeem for Cash or Bonus
XM loyalty points are earned automatically as you trade — no opt-in required. Points accumulate based on your trading volume and can be redeemed for trading bonus credit or cash. This guide covers exactly how the program works, how to maximise your points, and how to redeem them.
Points credited after each trade · Check balance in Members Area · Redemption options vary by region
How XM Loyalty Points Work — The Complete Picture
XM's loyalty points program rewards active traders automatically. Unlike a bonus that requires manual activation before a deposit, loyalty points are credited to your account without any action required from you — simply trade on your live account and points accumulate in the background.
The fundamental mechanic is straightforward: every standard lot traded on an eligible instrument earns a set number of points. These points build over time and can be converted into tangible value once you reach the minimum redemption threshold. The program is designed to reward ongoing engagement — the more consistently you trade, the faster your points balance grows.
What counts as a tradeable lot for points earning?
Points are typically earned on completed round-trip trades (open and close) on eligible instruments — most commonly forex pairs, gold, silver, and other standard instruments. Some instruments may be excluded from points earning. The specific earning rate per instrument type and the list of excluded instruments are shown in your Members Area Loyalty Points section.
Mini lots (0.1 standard lots) and micro lots (0.01 standard lots) earn proportionally fewer points than full standard lots. If the earning rate is 10 points per standard lot, a 0.1 lot trade earns 1 point and a 0.01 lot trade earns 0.1 points.
How to Check and Redeem Your XM Loyalty Points
Log in to XM Members Area
Navigate to your XM Members Area using your email and password. This is the web portal at the XM website — not MT4 or MT5.
Navigate to Loyalty Points or Rewards section
Look for a "Loyalty Points", "Rewards", or "Points" section in the left navigation menu or on your account dashboard. This section shows your current balance, earning rate, and redemption options.
Review your balance and redemption options
Your current points total, the earning rate per lot, the minimum redemption threshold, and the available redemption options (cash or bonus credit) are displayed here. If your balance is below the minimum, continue trading to accumulate more.
Click Redeem when your balance qualifies
When your points balance reaches or exceeds the minimum redemption threshold, a Redeem button becomes active. Select your preferred redemption type — bonus credit or cash (if available) — and confirm. The value is credited to your trading account.
⚠ Redemption Options Vary and Change
Whether loyalty points can be redeemed for withdrawable cash or bonus credit only depends on the current program terms and your region. XM updates loyalty program terms periodically. Always check the current redemption options in your Members Area — do not rely on outdated third-party information about what is redeemable.
How to Maximise Your XM Loyalty Points
Since points are earned per lot traded, the most direct way to accumulate faster is to trade larger lot sizes or higher frequency. But there are also structural ways to optimise your points earning without changing your actual trading strategy.
Trade standard lots where possible
Points earning scales linearly with lot size. A trader doing 10 trades of 0.1 lots earns the same points as one trader doing 1 trade of 1.0 lots — because the total volume is the same (1 standard lot either way). Focus on your normal trading size — points accumulate proportionally regardless of whether you trade large or small.
Trade eligible instruments
Not all instruments may earn points at the same rate. Check which instruments in your typical trading universe earn the highest points rate per lot in your Members Area. If you normally trade EUR/USD and GBP/USD, both likely qualify at the standard rate.
Maintain account activity
If loyalty points have an expiry condition tied to account inactivity, staying active ensures points do not expire. This aligns with the broader goal of avoiding the XM inactivity fee — regular trading prevents both the fee and points expiry simultaneously.
✓ Loyalty Points Work Best for Regular Traders
The loyalty points program rewards consistent trading volume over time. Traders who place frequent trades at moderate lot sizes accumulate points steadily and can redeem every few months. Occasional traders (1–2 trades per month) accumulate slowly and may find the redemption threshold takes longer to reach. If you trade actively, the loyalty program adds meaningful value on top of your normal trading activity.
Frequently Asked Questions — XM Loyalty Points
Open XM Account — Earn Points From Day One
Loyalty points are credited automatically with every trade. Open a Micro, Standard, or Ultra Low account and start accumulating points from your first lot traded.
Points earned per lot · Auto-credited after each trade · Redeem in Members Area · CySEC & ASIC regulated