Mt5 300097482 withdrawl not recived yet 500 placed on 14 april now xm need more days dont know what happening . if u dont follow the timefram rule then why u give your clients....indian support email... See more
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My trading account 323966288 was disabled due to trading nfp I wanted to trade cpi I couldn't xm i have sent an email requesting that can they please reopen my account they didn't respond now I can't... See more
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Xm broker is my most favourite. These guys offer a 100% upon deposit. They have simple deposit /withdrawal methods They offer real paid completions, I personally has won and withdrew from the c... See more
Company replied
No Response After Reporting Incorrect IFSC Transfer – Very Disappointing I already contacted the XM support team regarding a serious issue with my withdrawal (Ref ID: 602812625788), where... See more
Company details
About XM
Written by the company
Our values
Having clients from over 190 countries all over the world, we proudly consider ourselves to be amongst the best globally known brokers in the trading industry. Since our motto is BIG, FAIR, HUMAN, we believe that focusing on our clients is what differentiates us from the other competitors. Our clients always come first regardless of net capital worth, account type or size of investment. All our clients receive the same quality services, the same execution, and the same level of support. We were founded on these values, and that will not change.Customer Experience team
Our awarded Customer Experience team, established by well-trained, human-focused officers is available to assist our clients 24 hours a day.Easy and Convenient
Our systems are built and updated in such a way that we offer our clients the best available trading experience. Between the several platforms offered and the new all-in-one XM App, our customers can easily trade on the go whilst having the ability to manage their accounts at the same time.About us
XM Group is a trusted global broker with clients in almost every country of the world. The four entities of the Group are each regulated by established and well-known regulators and they all adhere to enhanced regulatory standards.Our wide range of CFD trading instruments offers to our clients the power to choose easily and efficiently between stocks, forex, precious metals and several other asset classes. Our clients also enjoy trading from a single multi asset platform with some of the most competitive spreads and with our no rejection of orders and no re-quotes execution policy.
Please visit our official website to check the percentage of retail investor accounts losing money when trading CFDs with us. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.Contact info
12, Richard and Verengaria Street, Araouzos Castle Court, 3rd Floor, 3042, Limassol, Cyprus
- support@xm.com
- xm.com
Breach of guidelines
• “Deposit $1440 not returned”
• “Deposit $1440 not returned”
• “No trading done”
• “Support not helping”
March 19, 2026
Unprompted review
Reply from XM
Dear Nitesh jangir,
We are sorry to hear about your concerns. XM takes all deposit matters seriously and we would like the opportunity to review your case in detail.
Please reply to the “Find Reviewer” request we sent on Trustpilot and provide your personal details so our Customer Experience team can locate your account and investigate the deposit further.
XM Team 🚀
BIG. FAIR. HUMAN.
-------------------
Dear Nitesh jangir,
Following a thorough investigation by our specialized departments, your account was restricted because it failed the required facial verification process for cryptocurrency withdrawals. These security measures are in place to protect the integrity of all transactions and ensure that only the verified account holder can access funds.
Regarding your claim about the $1,440, our records show that this amount was adjusted following the failed verification. Our review confirmed that you have already successfully withdrawn an amount that exceeds your total initial deposits. As a result of the breach of our security protocols and terms, the decision to restrict the account is final.
For more detailed information, we recommend checking the Important Notice email sent to your inbox. If you have further questions, you may contact our Customer Experience team at support@xm.com.
XM Team 🚀
BIG. FAIR. HUMAN.
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while deposit of money i have chosen…
while deposit of money i have chosen UPI mode of deposit. scanned the exact QR code and made a successful payment of 23800 rs. also taken note of UTR number and entered UTR number in payment gateway and clicked on submit. till now my money is not deposited. although i shared the UTR number, XM support team is asking for UPI ID to whom i have made payment. as i did the QR code scanning for payment i didnt get the UPI ID.
To everyone else - this is a poor supported app, best ways to lose money while deposits.
i doubt how reliable it is to trade and withdraw the funds from this XM trading account.
March 2, 2026
Unprompted review
Reply from XM
Dear Prabhuraj Nb,
Thank you for your review. We are currently investigating your case. A member of our team will be in contact with you as soon as the investigation is completed.
Thank you for your patience.
XM Team 🚀
BIG. FAIR. HUMAN.
-------------------
Dear Prabhuraj Nb,
Following an investigation by our team, we found that the delay was due to the deposited amount being different from the amount requested on the payment page. When the amounts do not match exactly, our system cannot credit the funds automatically. However, we have exceptionally helped to locate these funds, and we are pleased to confirm that they were credited to your account.
We have also noted that you have since successfully placed a withdrawal request for this amount. To ensure your future deposits are credited instantly, we kindly ask that you follow the exact instructions and amounts shown on the payment page.
A member of our team will reach out to you soon to ensure everything is in order and to assist you with any further questions.
XM Team
BIG. FAIR. HUMAN.
👉 “Withdrawal missing for 1.5 months – No proof provided”
XM has delayed my withdrawal for more than 1.5 months.
My withdrawal of $500 was marked as "processed" on 29 January 2026, but I have still not received the funds in my State Bank of India account.
I have already checked with my bank and confirmed that no such transaction has been received. Despite multiple emails, XM support is not providing valid SWIFT proof or transaction tracking details.
This is very unprofessional and concerning. If the funds were truly sent, proper proof should be provided.
I request XM to resolve this issue immediately or I will escalate this matter to financial regulators.
Account ID: 400896741
No 8319882128
I requested a withdrawal of $500 on 29 January 2026, which is still not received.
XM marked the transaction as "Processed" and provided a UTR number, but my bank has confirmed that no such transaction has been received.
I have already checked my bank statement from 23 January 2026 to 23 March 2026, and there is no credit of this amount.
It has been more than 1.5 months, which is completely unacceptable.
XM has only responded with generic messages like "we are investigating" without providing any MT103 / SWIFT proof.
I request XM to either provide valid transaction proof immediately or reprocess my withdrawal without further delay.
If this issue is not resolved, I will escalate this matter to financial regulators.
Account ID: 400896741
January 29, 2026
Unprompted review
Reply from XM
Dear Krishna Chouhan,
Thank you for your review. We are currently investigating your case. A member of our team will be in contact with you as soon as the investigation is completed.
Thank you for your patience.
XM Team 🚀
BIG. FAIR. HUMAN.
-------------------
Dear Krishna Chouhan,
Following a thorough investigation by our team, we found that although the transaction was marked as processed on our side in January, it remained in an outstanding status within the payment system for an extended period. We can now confirm that the funds were eventually returned to us and have been successfully reversed back to your trading account as of March 31st.
Since the funds are now available in your trading balance, you may submit a new withdrawal request, which we will monitor closely. We understand that waiting for over a month is unacceptable, and we appreciate your patience while we worked to track these funds through the banking network.
A member of our team will reach out to you soon to ensure your new request is handled as a priority and to answer any further questions you may have.
XM Team 🚀
BIG. FAIR. HUMAN.
My experience with XM
My experience with XM is as follows:
their customer service only copies and pastes responses and does not solve any real problems.
The complaints department is just a waste of time. It serves as an excuse-maker for the platform’s various non-compliant practices—don’t expect to resolve any issues there.
If you are able to control your positions well, understand proper entry points, and know when to close positions—keeping your account’s loss rate very low—such accounts are not welcome. They will find various reasons to review your account and terminate their business relationship with you. They may even falsely accuse your funds of being problematic and freeze them for a period of time.
No other regulated platform has ever accused my funds of being problematic except XM.When I opened the account, I also specified that the source of the funds was my savings over the years, not my salary income.
A person I know also has an XM account, and their situation is almost the same as mine, except that their capital is twice as much as mine and he opened the account earlier.For over a year, he have been unemployed with no steady income, so he don’t have payslips or tax documents from the past three months. However, he said that XM has never reviewed their account. Unlike me, their XM account has always been in a loss position.
On the XM platform, the trades I executed according to my own judgment resulted in almost no losses. However, due to their actions—forcing me to close positions at the wrong time and shutting down my account—I suffered significant losses.
March 4, 2026
Unprompted review
Reply from XM
Dear Lucky,
As a regulated financial institution, we are required to conduct standard reviews when deposits reach certain thresholds. In your case, our specialized teams requested specific documentation, such as payslips or tax certificates, to verify the source of your funds in accordance with these regulatory requirements. While we received some documentation, it did not fully cover the total activity on the account, leading to the necessary decision to conclude our business relationship.
We can confirm that your remaining balance has been successfully withdrawn and your account is now fully closed. Our records show that you were informed of this final outcome on March 5, 2026. These procedures are in place solely to ensure compliance with international financial standards and to maintain a secure trading environment for all our clients.
For further details regarding the closure of your account, we suggest reviewing the email sent to your inbox. If you have any remaining questions, please feel free to contact our Customer Experience team at support@xm.com.
XM Team 🚀
BIG. FAIR. HUMAN.
Xm broker is my best.
Xm broker is my most favourite.
These guys offer a 100% upon deposit.
They have simple deposit /withdrawal methods
They offer real paid completions, I personally has won and withdrew from the competition account.
Join xm trading and improve yourself and learn using their demo.
But then xm
Please allow us to join free weekly competitions as many times as we want, some of us can't often afford to keep 50$ in our accounts just to trade the competition.
Please CEO change this rule. And add an option for multiple mobile numbers as well. Only one mobile number per user is frustrating in case of number lost
October 9, 2025
Reply from XM
Hello Dikoro,
Thank you for your fantastic feedback and for sharing your experience! We’re thrilled to hear you’ve enjoyed our promotions, competitions, and smooth deposit and withdrawal process 🙌 It’s great to know you’ve even won and successfully withdrawn from a competition account.
We also appreciate your suggestions regarding competition access and account settings. Feedback like yours is very valuable and helps us review how we can improve our services for all traders 😊
XM Team 🚀
BIG. FAIR. HUMAN.
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I deposited USD 150 (equivalent to INR…
I deposited USD 150 (equivalent to INR 14,442) via UPI payment to my XM account. As instructed, I provided all required documentation, including the payment confirmation screenshot and the URN number, as proof of transaction.
However, despite completing all necessary steps, the amount has still not been credited to my trading account. I have made multiple attempts to resolve this issue by contacting support via email and other available channels, but I have not received any satisfactory assistance. Most responses appear to be automated, and I have been unable to connect with a representative for proper resolution.
This situation is quite concerning, as the deposit process has already proven difficult, and it raises further uncertainty regarding withdrawals in the future.
March 20, 2026
Unprompted review
Reply from XM
Dear sivakumar subbaiya,
We apologize for the inconvenience you've experienced. Please respond to our message on Trustpilot with your account details so we can investigate this matter urgently. Your feedback is important to us, and we're committed to addressing your concerns promptly. Thank you for bringing this to our attention.
XM Team 🚀
BIG. FAIR. HUMAN.
--------------------
Dear sivakumar subbaiya,
We reached out through the Find Reviewer process on Trustpilot to obtain more details, but we haven't received a response. Without this information, we can't address your concerns effectively.
Please consider providing your account details or any additional information so we can assist you further.
XM Team 🚀
BIG. FAIR. HUMAN.
Withdrawal Denied, Be Aware of XM
Title: Withdrawal Denied
Account ID: 113131869
Review:
I have been a client of XM and faced an issue with a withdrawal of USD 40,100 from my account (ID: 113131869).
XM explained that the adjustment was due to an abnormal pricing event affecting Altcoins_INDX trades on 11/01/2026.
While I understand their explanation regarding market anomalies, I am still awaiting detailed proof of the calculation and trade history for transparency. I hope XM can provide full documentation to maintain trust and clarity for clients g{variant="social_post" id="92741"}
Thank you for your response.
I acknowledge your explanation regarding the abnormal pricing event. However, I would like to emphasize that as a client, I am entitled to full transparency.
Kindly provide:
- Detailed trade logs for the mentioned period (11/01/2026)
- Exact calculation breakdown of the adjustment
- Clear evidence supporting the claim of abnormal pricing
Since this involves a significant amount of $40,100, I expect a complete and verifiable explanation rather than a general statement.
I hope XM will handle this matter fairly and provide all necessary documtation to maintain client trust d="86219"}
Thank you for your response.
I appreciate that my case is currently under investigation. However, I would like to emphasize the seriousness of the situation, as the disputed amount of USD 40,100 is significant.
All my trades were executed based on the prices displayed on your platform during normal trading conditions, without any warning, restriction, or indication of abnormal pricing at the time.
I respectfully request full transparency regarding:
- The alleged abnormal pricing event
- The detailed calculations affecting my account
- Any supporting evidence from your liquidity provider
I remain patient and cooperative, but I expect a fair, transparent, and justified resolution.
I look forward to update
January 11, 2026
Unprompted review
Reply from XM
Dear Sanjog Kapoor,
We apologize for the inconvenience you've experienced. Please respond to our message on Trustpilot with your account details so we can investigate this matter urgently. Your feedback is important to us, and we're committed to addressing your concerns promptly. Thank you for bringing this to our attention.
XM Team 🚀
BIG. FAIR. HUMAN.
Fund deposit via UPI is missing. Big fraud.
while deposit of money i have chosen UPI mode of deposit. scanned the exact QR code and made a successful payment of 10000 rs. also taken note of UTR number and entered UTR number in payment gateway and clicked on submit. till now my money is not deposited. although i shared the UTR number, XM support team is asking for UPI ID to whom i have made payment. as i did the QR code scanning for payment i didnt get the UPI ID.
To everyone else - this is a poor supported app, best ways to lose money while deposits.
i doubt how reliable it is to trade and withdraw the funds from this XM trading account.
March 18, 2026
Unprompted review
Reply from XM
Dear Nithin Guggilam,
We are sorry to hear about the delay with your deposit and understand your concerns. XM takes all payment matters seriously and wants to ensure every transaction is properly verified and credited.
Please reply to the “Find Reviewer” request we sent on Trustpilot and provide your personal details so our team can locate your account and review the UPI deposit. We will work with you to resolve the matter as quickly as possible.
We appreciate your patience.
XM Team 🚀
BIG. FAIR. HUMAN.
--------------------
Dear Nithin Guggilam,
We attempted to gather more information through Trustpilot's Find Reviewer process, but unfortunately, we haven't heard back from you. Without this information, it's difficult to address your concerns properly.
Please share your account details or any other information so we can assist you further.
XM Team 🚀
BIG. FAIR. HUMAN.
😀Sooo iam not complaining soo I have…
😀iam not complaining soo I have put my first witdrawl on xm trading broker 220 dollors iam from India so let me see how fast u r working and the transaction money coming to my bank acc if that was fast I can give u 4to 5 star because lots of negative comments but positive comments also but I need to check by my own iam not spam or bot or any thing iam from India that's all if it's good I will give update today morning I put my withdrawal let see🙂
March 20, 2026
Unprompted review
Reply from XM
Dear sanjay Decay,
Thank you for sharing your experience. We appreciate you giving XM a chance and understand that timely withdrawals are important. Our Customer Experience team processes withdrawal requests promptly, and you should receive your funds according to the standard processing time for your chosen method.
We look forward to your update and are here to assist if any issues arise.
XM Team 🚀
BIG. FAIR. HUMAN.
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Even though two months have passed
Even though two months have passed, no resolution has been provided for my complaint.
February 12, 2026
Unprompted review
Reply from XM
Dear Bhimabai Gokak,
We reached out through the Find Reviewer process on Trustpilot to obtain more details, but we haven't received a response. Without this information, we can't address your concerns effectively.
Please consider providing your account details or any additional information so we can assist you further.
XM Team 🚀
BIG. FAIR. HUMAN.
Not solved my problem worst broker
Not solved my problem worst broker
All our traders don't trust him he scam much clients I read on internet
Not give me 402 dollars withdrawal
Read he send me mail Violations
Dear Valued Client,XM START SCAM IN PAKISTANI CLIENTS MY ACCOUNT 402 DOLLAR NOT WITHDRAWAL
I THINK XM WORTHLESS COMPANY
WORST BROKER XM 0 STAR GIVE XM WORTHLESS BROKER
We’re reaching out today regarding your account number 323917660. After a thorough review of this account, we’ve identified that it is connected to another account which was terminated following violations of our Terms and Conditions.
Being connected to a blocked client is also in strict violation of our Terms and Conditions, and as a result, we are required to:
Close this and any other trading account you may have with our Company and any other sister companies.
Nullify trades which were linked to the above-mentioned activities that were carried out in your trading account.
Nullify all profits or losses garnered from the trading accounts you hold with us and any of our sister companies (your deposited amount will not be affected).
Scam broker
Im shure 1000% he scam with me
February 27, 2026
Unprompted review
Reply from XM
Dear Qasir,
Following a thorough review, your account was identified as being directly connected to another profile that was previously terminated for violating our Terms and Conditions. As per our security and operational policies, such connections are considered a breach of our agreement. Consequently, the decision was made to nullify the trading profits and permanently close the account. We can confirm that your original deposited funds were not affected and have been made available for withdrawal.
Please be advised that this decision is final. These measures are necessary to ensure a fair and secure trading environment for all our clients. You were previously notified of these actions via an email titled "Violation of Terms and Conditions Detected," which explains the situation in detail.
For more information, we suggest reviewing the Important Notice email in your inbox. If you have further questions, you may contact our Customer Experience team at support@xm.com.
XM Team 🚀
BIG. FAIR. HUMAN.
poor support
I deposited $50 into the XM broker previously. The amount was deducted from my account, but the broker has not credited it yet. Despite multiple attempts, they haven't given me a proper response. They keep asking me to provide the same payment information again. I have contacted them several times via email and through their support chat, but I haven't received a correct answer. Everything about my experience with XM has been extremely disappointing. The support and service I received were poor, and I’m very dissatisfied.
March 6, 2026
Unprompted review
Reply from XM
Dear ninoxx,
As we cannot view your XM account on Trustpilot, please respond to our private message and provide the information required to help us with the investigation of your claims.
XM Team 🚀
BIG. FAIR. HUMAN.
--------------------
Dear ninoxx,
Thank you for providing us with the required information. Our team is currently investigating your case. A member of our team will be in contact with you as soon as the investigation is completed.
Thank you for your patience.
XM Team 🚀
BIG. FAIR. HUMAN.
-------------------
Dear ninoxx,
Following a review of your case, we can confirm that your deposit is currently being held by the Payment Processor for additional security checks. Once their review is complete, the funds will either be credited to your trading account or refunded to your original wallet. We are currently waiting for the processor to finalize this investigation, and you will be notified immediately via email as soon as there is an update.
Please note that your account has also been reviewed by our internal departments and remains restricted due to specific policy violations. Because of the nature of your case, we highly recommend that you submit a formal complaint to our Compliance team for a full investigation and final resolution.
For more information, please check the Important Notice email in your inbox. If you have further questions or need help filing your complaint, you can contact our Customer Experience team at support@xm.com.
XM Team 🚀
BIG. FAIR. HUMAN.
Worst broker I have been waiting since…
Worst broker I have been waiting since 17 days for just depositing the money it's not reflecting on main account prabhurajnbgmail
March 2, 2026
Unprompted review
Reply from XM
Dear Prabhu raj,
To address your concerns effectively, we kindly request more details about your account or specific issues. Unfortunately, without this information, it's challenging for us to assist you fully.
Please provide your account details so we can investigate and resolve the matter promptly. Your satisfaction is our priority, and we're committed to resolving any issues you may have.
XM Team 🚀
BIG. FAIR. HUMAN.
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One of the worst systems
One of the worst systems. While it's come to talk about exuction it's totally fraud. Hi spread and it's full of manipulation. Be careful. You don't get support from backend. They hang system automatically. Not net issue
March 18, 2026
Unprompted review
Reply from XM
Dear shaik ahmed,
We’re sorry to read about your experience, however we would like to clarify that XM operates with strict regulatory standards and does not engage in any form of price manipulation or system interference. Execution and spreads are influenced by real market conditions, especially during periods of high volatility.
We take such concerns seriously, and we encourage you to contact our Customer Experience team via live chat on our website or at support@xm.com so we can review your account activity and provide you with a clear explanation.
XM Team 🚀
BIG. FAIR. HUMAN.
I raised a complaint with the team
Update: I have already provided screenshots of the order numbers. Notnsure why your customer care team mentioned i have not shared..this is what i have told in my initial review..even after providing screenrecording screenshots and everything they repeatedly ask the same thing over and over. I dont have the option to provide screenshot here or else I would have shared it here as well.
I raised a complaint with the team. They dont even respond..once they find that the issue was on their part they start asking for same details over and over again throug email. Create frustration to a point where the user should feel enough and let go. They take 5 to 10 days to respond to each emails. This is the most horrible broker.
March 7, 2026
Unprompted review
Reply from XM
Dear arun kumar,
Thank you for your review. We are currently investigating your case. A member of our team will be in contact with you as soon as the investigation is completed.
Thank you for your patience.
XM Team 🚀
BIG. FAIR. HUMAN.
--------------------
Dear arun kumar,
Following a thorough review, we can confirm that the issue you encountered was related to a temporary technical disruption on March 2nd and 3rd. We sincerely apologise for any inconvenience this may have caused and fully acknowledge the frustration resulting from not being able to monitor your positions in real time.
We also note that our Customer Experience team requested specific deal order IDs in order to proceed with a detailed investigation, but these were not received. This information is essential for us to accurately assess and address such cases.
That said, your case has already been escalated internally, and our relevant teams have been informed for further review. Additionally, we can see that your previous account has been closed as per your request and that you are currently operating a new active account.
A member of our team will be reaching out to you shortly to clarify the situation further and assist you directly. We appreciate your patience and understanding while we work to resolve this matter.
XM Team 🚀
BIG. FAIR. HUMAN.
I deposited ₹50,000 into my XM Broker…
I deposited ₹50,000 into my XM Broker trading account via bank transfer on15/03/2026. Despite submitting complete supporting documentation—including the bank statement, UTR number, and all other requested proofs—to the customer support team on multiple occasions, the deposit has still not been credited to my account.
Instead of processing the deposit, the support team repeatedly demands the exact same documents I have already provided, ignoring previous submissions. They have also refused to verify or even review the corresponding statements from their own associated/shell companies to resolve the matter.
This is my hard-earned money, and the ongoing delay and lack of resolution have caused significant inconvenience and financial stress. I have followed every instruction provided, yet XM Broker continues to withhold the funds without any valid explanation.
I urge XM to immediately credit the full amount to my account or provide a clear, documented reason for the refusal. Potential clients should be extremely cautious before depositing funds with this broker.
March 15, 2026
Unprompted review
I deposited ₹10,000 via UPI on 13 March…
I deposited ₹10,000 via UPI on 13 March 2026 into my XM trading account (Account ID: 321313720). As of today, the amount has still not been credited.
Since the date of the transaction, I have repeatedly contacted customer support. However, I have only received generic responses stating that the issue is under investigation, that the finance team is coordinating with the payment provider, and that I will receive an update via email “soon.” It has now been over 5 days with no resolution or meaningful update.
To investigate the issue independently, I visited my bank and obtained the full UPI transaction details, including the recipient information. I was able to contact the payment receiver directly. The receiver informed me that their account has been blocked by XM.
This creates a serious concern:
If I can directly contact the receiver using the transaction details, why is XM still stating that they are “coordinating with the provider” without progress?
Both the sender (myself) and the receiver are currently affected, while the funds remain unaccounted for.
There has been no clear timeline, transparency, or accountability from XM regarding resolution.
This situation is causing financial stress and raising concerns about the safety of funds.
I request the following immediately:
A clear status update on the transaction.
Confirmation of where the funds are currently held.
A definite timeline for resolution.
Immediate credit of the deposit or a full refund.
If this issue is not resolved promptly, I will be forced to escalate the matter to relevant financial authorities and consumer protection platforms.
Transaction Details:
Amount: ₹10,000
Date: 13 March 2026
Payment Method: UPI
XM Account ID: 321313720
I expect a concrete resolution at the earliest.
March 13, 2026
Unprompted review
Reply from XM
Dear vikram saravag,
Thank you for providing us with the required information. Our team is currently investigating your case. A member of our team will be in contact with you as soon as the investigation is completed.
Thank you for your patience.
XM Team 🚀
BIG. FAIR. HUMAN.
-------------------
Dear vikram saravag,
Following an investigation by our team, we can confirm that your case is currently being handled in coordination with the third-party Payment Service Provider (PSP). Because these providers operate as independent entities, we must wait for their official verification to locate and verify the funds within the banking network. While we understand you have gathered independent information, we are required to follow formal banking protocols to ensure the transaction is resolved securely and correctly.
We appreciate your patience while we work with our partners to complete this investigation. Please be assured that we are pushing for a resolution as quickly as possible.
A member of our team will reach out to you soon. They will be able to discuss the details of your case more clearly, provide further guidance on the process, and address your concerns directly.
XM Team 🚀
BIG. FAIR. HUMAN.
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Scammer
I have deposited 38000/- inr on 4 March 2026 still not credited in My Xm account and there is no proper response from customer care and I don't know what to do next to get my money back .
Finally after 16 days I got my money in my Xm account thanks to Xm team
March 4, 2026
Unprompted review
Reply from XM
Dear Arpit Sood,
Thank you for your review. We are currently investigating your case. A member of our team will be in contact with you as soon as the investigation is completed.
Thank you for your patience.
XM Team 🚀
BIG. FAIR. HUMAN.
Extremely Disappointing Experience with XM – Funds Debited but Not Credited
I recently opened a new account with XM, largely influenced by several well-known YouTube creators who strongly recommend this broker. Based on their endorsements, I decided to give XM a try and proceeded to fund my account using the UPI payment option, which was listed as an available deposit method (My XM Account ID is: 92243578)
Unfortunately, my experience has been extremely disappointing.
It has now been over a week since the amount was debited from my bank account, yet the funds have still not been credited to my XM trading account.
I immediately contacted XM’s support team through the official channels, including their support form and email, and shared complete transaction details along with proof of payment. Despite multiple follow-ups, I have not received any meaningful update or resolution.
The only response I keep receiving is the same generic automated message:
"Your case is under investigation with the relevant department, and we will revert back to you once we have a reply from their end."
As someone who has been involved in trading for some time, this is by far one of the most frustrating onboarding experiences I’ve had with any broker. When a customer deposits money, especially through a payment method provided by the broker itself, the issue should be treated with priority and transparency.
What is even more concerning is that UPI is actively listed as a supported deposit option. If XM is experiencing technical or operational issues with UPI payments, it would be far more responsible to disable that option rather than allowing customers to face situations like this.
I also believe that financial influencers promoting brokers on YouTube should take greater responsibility before recommending platforms to their audience. Many traders trust these recommendations and act on them without hesitation.
At this point, the money has already been deducted from my bank account, and I have no control over the situation other than waiting and hoping the issue gets resolved.
Because of this problem, I haven’t even had the chance to properly explore the XM platform or evaluate their trading services. Regardless of how good the trading platform may be, deposit handling and customer support are fundamental to any broker’s credibility.
I sincerely hope XM resolves this issue soon and improves the way such cases are handled for new customers.
March 9, 2026
Unprompted review
Reply from XM
Dear P P,
We are sorry for the frustration caused by the delay in crediting your deposit. We understand that waiting over a week for funds to reflect, especially after following expert recommendations, is a disappointing onboarding experience.
While we aim for seamless UPI transactions, delays can occasionally occur due to processing issues with local payment providers. We take your feedback regarding the availability of this method and our communication standards very seriously.
Please reply to the "Find Reviewer" request we sent on Trustpilot and provide your personal details. This will allow our team to locate your account and investigate the matter further.
XM Team 🚀
BIG. FAIR. HUMAN.
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Dear P P,
Thank you for providing us with the required information. Our team is currently investigating your case. A member of our team will be in contact with you as soon as the investigation is completed.
Thank you for your patience.
XM Team 🚀
BIG. FAIR. HUMAN.
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Dear P P,
Following an investigation by our Customer Experience team, we have identified that your case required further internal review to ensure all payment proofs were correctly processed. We have now escalated a new investigation to prioritize the tracking of your funds with our payment provider. We truly regret that our previous communications felt repetitive, please be assured that we are taking full responsibility for resolving this oversight.
Regarding your concerns about the UPI payment method, while we strive for instant processing, local banking networks can occasionally experience technical delays that require manual reconciliation. We are working closely with our partners to improve this experience for all our traders in India.
A member of our team will reach out to you soon to provide a direct update and ensure your account is correctly credited as quickly as possible.
XM Team 🚀
BIG. FAIR. HUMAN.
My 501$ Usdt Deposit Is Pending from 55…
My 501$ Usdt Deposit Is Pending from 55 days was made on 25 January 2026 I have provided all requirements proofs And transaction is confirmed by blockchain but still again again xm support is saying it is still Still under investigation for 55 days.
Very bad experience.. 🥲🥲
January 25, 2026
Unprompted review
Reply from XM
Dear Sohail Kareem,
We are very sorry to hear about the delay with your USDT deposit and understand how frustrating this must be. XM takes all transactions seriously and wants to ensure every deposit is reviewed and credited correctly.
Please reply to the “Find Reviewer” request we sent on Trustpilot and provide your personal details so our team can locate your account and investigate the pending deposit from 25 January 2026 thoroughly.
XM Team 🚀
BIG. FAIR. HUMAN.
-------------------
Dear Sohail Kareem,
Following a thorough investigation by our team, we found that the delay was caused by the funds being sent using a different network protocol than what was instructed on the deposit page. Because the transaction was sent incorrectly, it requires a manual recovery process through our payment provider. This technical procedure can take up to 60 days to complete, and we are currently working to retrieve the funds for you.
We have attempted to call you twice to explain this process directly, but we were unable to reach you. We have also sent an email to coordinate a better time for a conversation.
XM Team 🚀
BIG. FAIR. HUMAN.
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