Micro vs Standard vs Ultra Low — how they differ, who each suits, decided in 3 minutes
XM offers 3 main account types most traders use — Micro (extra-small lots, ideal for practicing with a small amount of real money), Standard (the classic account — 1 lot = 100,000 units, fully bonus-eligible) and XM Ultra Low (noticeably tighter spreads — gold ~1.6 pips, EUR/USD ~0.6 pips — ideal for scalping/frequent trading). Micro/Standard start from a $30 minimum deposit · Ultra Low from $50 · leverage up to 1:1000 on every account. The simple rule: beginners start with Micro/Standard to claim the bonus → open an Ultra Low account later once you trade more frequently (you can hold multiple accounts under one profile).
| Feature | Micro | Standard | XM Ultra Low |
|---|---|---|---|
| 1 lot size | 1,000 units | 100,000 units | Standard/Micro Ultra as selected |
| Minimum deposit | $30 | $30 | $50 |
| Gold XAUUSD spread | ~3.5 pips | ~3.5 pips | ~1.6 pips |
| EUR/USD spread | ~1.6 pips | ~1.6 pips | ~0.6 pips |
| Max leverage | 1:1000 | 1:1000 | 1:1000 |
| Bonus/promotions | Eligible | Eligible | Terms differ from other accounts (check latest with XM) |
| Best for | Beginners practicing with real money | Most traders · bonus seekers | Scalping · high-volume trading |
ℹ️ Spread figures are approximate averages from real-world use (as of Aug 2026) — actual spreads fluctuate with market conditions. Please check the latest terms on XM's account opening page.
→ Micro — trading 0.01 Micro lot means very low risk per pip. Pair it with the free $30 credit and practice until you're confident
→ Standard — the popular choice. Claim the deposit bonus of up to $10,500 to boost your trading capital
→ Ultra Low — gold at ~1.6 pips. For this style, the long-run spread savings outweigh any bonus
💡 A trick traders actually use: open a Standard account to hold the bonus + a separate Ultra Low account for frequent trading — XM allows multiple accounts under one profile with internal transfers between them.
There are 3 main account types most traders use: Micro (extra-small lots, ideal for learning), Standard (the classic account — 1 lot = 100,000 units) and XM Ultra Low (tighter spreads, ideal for frequent trading/scalping). Micro and Standard start from a $30 minimum deposit (about 1,000 THB), while Ultra Low starts from $50 — all with leverage up to 1:1000.
Start with Micro or Standard, since both qualify for the deposit bonus — Micro suits testing with very small real money, while Standard suits you once you are ready for normal position sizes. As you gain experience and trade more frequently, consider adding an Ultra Low account for its tighter spreads.
Ultra Low offers noticeably tighter spreads — for example, gold XAUUSD averages ~1.6 pips (vs ~3.5 pips on Standard) and EUR/USD from ~0.6 pips — in exchange for promotion/bonus terms that differ from the standard accounts. That makes it best for scalpers and high-volume traders for whom spread cost matters more than bonuses.
Yes — XM lets you open multiple additional accounts under the same profile, so you can simply open a new account of the type you want and transfer funds internally between your own accounts. No need to register again from scratch.
Read next: How to Open an XM Account Step by Step → · XM Deposit & Withdrawal Guide → · XM Broker Complete Fact Sheet →
Every account type gets the same spreads as opening directly + LINE VIP, COT Report and cashback as free extras
⚠️ Trading Forex and CFDs carries a high level of risk. Power of Price is an official XM partner and receives compensation when accounts are opened through our links.