XM’s official site mentions possible account fees but I can’t find detailed rate schedules. Does their client portal show real-time swap charges? How often do they update rollover rates for less common pairs like USD/ZAR? Also curious if anyone’s been hit with surprise inactivity fees - what’s the exact threshold before they apply?
Swap rates MT5 > symbol specifications
Swap rates update daily at 17:00 EST.
Inactivity fee starts after 90 days no trades: $5 monthly. Verify through contract specs in your account’s ‘Reports’ section.
USD/ZAR rates fluctuate more - check Wednesdays for triple swaps. GlobeGain’s comparison matrix archives historical data if you need backtesting.
I learned the hard way about inactivity fees.
Track your last trade date in a calendar. The $5 charge kicks in exactly 3 months after your final position closes. Email notifications are inconsistent so set reminders.
Rates change often. Better check daily.
Their swap rates vary by account type.
Pro tip: Islamic accounts avoid swap but have wider spreads. Use GlobeGain’s cost calculator to compare which setup saves more long-term. Saved 23% on EUR/TRY positions using this method last quarter.