XM 

XM GLOBAL was fraud company they are cheating to clients while withdraw funds even complaint also they are not bother and chat support agent behavior like rude .
Subject: Formal Complaint – Immediate Release of Delayed Withdrawal Funds

Date: 25 July 2026

To: XM Global Complaints Department, Compliance Department, Finance Department, and Senior Management

I am submitting this formal complaint regarding the unacceptable delay in processing my withdrawal request.

My withdrawal details are as follows:

- XM Account Number: 92061116
- Withdrawal Amount: USD 421.97
- Withdrawal Request Date: 14 July 2026

It has now been more than 10 days since I submitted my withdrawal request. I have already provided all the documents requested by XM, including my bank statement and proof of the withdrawal request. Despite complying with all verification requirements, I have still not received my funds.

I have contacted XM customer support several times, but I have not received a satisfactory response or any clear explanation for the delay. This prolonged withholding of my funds is unacceptable and has caused me significant inconvenience.

I formally request that XM:

1. Process and release my withdrawal of USD 421.97 immediately.
2. Provide a written explanation for the delay.
3. Confirm the current status of my withdrawal.
4. Ensure that no further unnecessary delays occur.

If this matter is not resolved without further delay, I will escalate my complaint to the appropriate financial regulatory authorities, dispute resolution bodies, and consumer protection agencies. I will provide all supporting evidence, including my withdrawal request, bank statements, transaction records, and correspondence with XM, to support my complaint.

I expect your urgent response and immediate confirmation that my withdrawal has been processed.

Sincerely,

Pavan Kumar BM
XM Account Number: 92061116

My Honest review, they are big scammers, first they dont give full withdrawal, second when they give withdrawal, your bank account gets freeze, and when asked to bank about it, bank replies - Money has come from mule account.

I had two real trading accounts with XM.

Account 1:321653295

I deposited approximately $500 (₹50,000).
The money was debited from my bank account but was not credited to my XM trading account for a significant period.
Since the funds appeared to be missing, I contacted my bank and initiated a chargeback.
After the chargeback request had already been initiated, XM eventually credited the deposit to my trading account.
The bank later completed the chargeback and returned the funds to me.
After that i added $500 to XM account to prevent any problems. but they terminated all my accounts.

Account 2: 321651382

I made a completely separate deposit of $350, unrelated to the chargeback.
This account later had an equity of approximately $541.

When I submitted a withdrawal request, XM's Financial Risk team requested multiple verification documents, including:

Bank statements,
Proof of deposits,
Identity verification,
A selfie video.

I provided all of the requested documents.

After that, instead of receiving a final settlement, I received an email stating that XM had terminated my entire business relationship because of the chargeback.

I understand that brokers have policies regarding chargebacks. However, I believe my situation deserves individual consideration because:

The chargeback was initiated only after my deposit failed to appear in my trading account.
The deposit was credited only after the chargeback request had already been submitted.
I also had a separate trading account funded by an independent deposit that was not related to the disputed transaction.
I have requested clarification regarding the final settlement of my remaining balances.

I hope XM will provide a transparent reconciliation of all accounts and clearly explain what funds, if any, are eligible for withdrawal.

Bad broker, Cheat broker. THEY WILL CANCEL SWAP FEE IF LONG TIME HOLD ORDER.
.....................................
Everyone you no need to believe me.
But you can try hold order a long time (more than 3 months).
Long time trade then you will get e-mail from XM to cancel swap free. Cheat broker (XM) to pressure trader to close order. Very bad broker. I suggest everyone to choose other broker is better.

this is my honest review with this company full of theft, I got my account verified passing all checks, traded and made profits and the problem now was withdrawal, they claimed I did not pass facial verification yet account was verified all this to stay with my money and profits. I did a withdrawal on Thursday and passed facial verification again now it's Sunday they send an email saying I don't own the account to nullify my profits. Let me warn you , xm.com, xm.ke, xmglobal.com if you don't send my money am going to destroy your presence in Kenya with my 300k followers on TikTok, 122k on telegram, you can't do that , trading account number 381909990
I don't even why I went to this useless broke company from HFM they cant pay $100 profit with shameless excuses to deny payouts. Avoid this filthy broker at all cost they buy positive reviews Even trustpilot systems have flagged them for the deceptive behavior. I'll ensure you loose 10 Kenyan clients each day proceed with your deceptive behaviors
I see they just replied in here I dropped my account on this message, don't be filled by their replies meant to deceive new clients wishing to trade with them if my issue is not addressed accordingly and fairly with my huge social communities here in Kenya just beware I'll destroy you following this matter, also I have requested formerly and legally via my registered email in the constitution of CMA here in Kenya any of my data that you may be holding under your company, I have seen companies pay heavy fines don't fall a victim. Treat this matter with utmost urgency.

I am writing to report a serious and ongoing problem with my withdrawals at XM.
For the last 7 days, my cryptocurrency withdrawals with a total value of 934.96 USD have remained in pending status without being processed. During this period, I have sent approximately 10–15 emails, contacted Live Chat multiple times and also spoken with my Account Manager. Each time I was only told to “please wait,” without any proper explanation, no estimated processing time and no Blockchain TXID being provided.
This level of customer support is unacceptable, especially for a brokerage firm. Clients’ funds should not be held pending for a week without clear, transparent communication and traceable transaction details. I have now exhausted all internal support channels and therefore I am submitting this public complaint.
My clear expectation is that XM immediately investigates my case and either completes and releases my pending cryptocurrency withdrawals, or provides a transparent and detailed explanation of the reason for the delay, together with the Blockchain TXIDs if the transactions have already been processed. My trading account numbers are 86299376 and 324157964, and the total pending withdrawal amount is 934.96 USD.
I request that this issue be resolved as soon as possible so that I can update this complaint accordingly. Until this matter is properly handled, I cannot recommend this experience to other traders.

Stay away from XM! My account number is 317408331. I used this platform honestly, but the exact moment I requested a withdrawal, they intentionally banned my account. They made a completely fake excuse that I violated their policies. I provided all my documents and every piece of evidence they asked for, but they ignored it and confiscated my entire fund. This is the biggest fraud. Please do not trust them and never deposit your hard-earned money here!

I recently made a $2,000 profit trading the CPI news event on XM. However, the moment I submitted a withdrawal request, my account was terminated and my profits were entirely nullified. The broker claimed my account is "connected" to a blocked user, which only happened because I innocently connected to a friend's mobile hotspot network. I am a completely separate individual with unique ID documents, unique payment methods, and a unique device, Be very careful trading here—your profits can be wiped out instantly over a shared Wi-Fi or hotspot connection. I am very frustrating because of this simple mistake my whole life is gone why they do like this to people.please look in xm i have no connection between trading with ban individual he is just my friend. I have no Trading connection with him.

In my experience, XM has been one of the worst and most unreliable platforms for forex trading. I strongly advise traders to be extremely cautious and avoid depositing funds unless they are fully confident.

I had been using XM for the past one year. On 01-Jul-2026, I deposited INR 1,00,000 into my trading account through UPI. However, the amount was apparently credited to a different trading account at their backend instead of my own account.

I submitted all required proofs and followed up multiple times with customer support, the manager, and through several emails. Initially, their response was that they had investigated the matter and that the deposit was successful. After a few days, they acknowledged that the same amount had been credited to a different trading account without any action or intervention from my side.

I then requested them to reverse the wrongly credited amount back to my trading account. They responded that the relevant team would investigate and get back to me. However, after one or two days, they suspended my trading account without refunding my money.

Please do not blindly trust recommendations on social media platforms, as many people promote brokers only to earn through referral codes. Be careful, do your own research, and stay cautious before depositing your hard-earned money.

I am very disappointed with XM's customer support. On 29 June 2026, I reported a serious issue regarding a withdrawal from my trading account that resulted in my SBI bank account being placed on hold due to a Cyber Cell investigation. I provided all the requested details and documents, but I have not received any meaningful update or resolution to date.

Because of this unresolved issue, part of my money remains frozen, causing significant financial inconvenience and stress. I understand that investigations can take time, but I expected regular communication and assistance from the support team. Instead, I have been left waiting without clear information about the status of my case.

I hope XM improves its customer support, especially for customers facing urgent payment-related issues. At this point, I am still waiting for a proper response and a resolution.

I deposited ₹20,000 into my XM trading account on 29 June 2026, but the funds have still not been credited. Customer support keeps telling me to verify the transaction with my bank. I have done this multiple times, and my bank has confirmed that the transaction was successful at the time of payment. They advised me to ask the beneficiary (XM) to check from their end. I emailed XM all the required proof and transaction details, but I have still not received any response. This has been a very disappointing experience with their customer support.

When you deposit your money it's very easy but if you gonna withdraw it ahhh🥀, it's gonna be one of the most extremely complicated thing in your life, completely total disgusting scammers, if they reply my review don't ever hear/trust their word, I hope y'all don't get scammed like me 🙏😭

Name: Uzair Khan
XM Standard Account Number: 321315207

This broker is a scam. I deposited money and made a profit, but when I tried to withdraw my funds, I was told that I was not eligible to withdraw my profits using cryptocurrency. They claimed that I needed to reach a trading volume of more than 100,000 and upgrade my account to the Gold tier before I could use crypto withdrawals.

Their support team then told me to use a different withdrawal method instead. I followed their instructions, but I still did not receive my money. When I contacted them again, they told me I had to deposit even more money before they would enable the withdrawal method and allow me to withdraw my existing balance.

In short, they are asking me to deposit more money just to withdraw the funds that are already in my account. Based on my experience, I strongly advise others to be very cautious before using this broker.

No legitimate broker should require you to deposit additional funds just to access your own money. Based on my experience, I strongly advise others to be very cautious before using this broker.

Hello! My name is Kathia Lorena Wende.
XM nullify all my profit $1267 and terminated my verified account.
Account #113515135
I losted time with this scammed company named XM or same as XMglobal

I entered a trading contest on account number 322122971. I have conclusive evidence of execution failure and gross negligence on the part of XM Global.

1. Evidence of API Failure: On July 2, I documented a critical server synchronization bug where my actual balance was $2,603.94, while the leaderboard showed $2,471.36. I have screenshots showing this $132 discrepancy, proving a flaw in XM's servers.

2. Gross Negligence: Despite reporting this bug 9 hours prior (ticket D6E7F4), XM support explicitly told me to "continue trading" instead of fixing the platform. This is a clear violation of their duty of care.

3. Execution Trap: According to them, the platform froze again at 4:45 AM on July 3. I tried to close my winning gold trades (profiting $20), but the UI buttons went transparent and the action didn't execute (API timed out). This freeze prevented me from trading until the trade was blocked, and I was disqualified from the competition due to a bug on your end and my inability to close the trade.

Result: I ranked 12th on the leaderboard (with a balance of $2,777) with a $350 prize. XM is now refusing to review its internal logs to conceal this technical glitch.

Action: I have filed a formal complaint with the Financial Conduct Authority (FinaCom) and the Forex Peace Army (FPA). I ​​will not delete this complaint until my ranking and balance are restored based on server log evidence. I have screenshots and videos documenting some of the errors in my account.

(Important Update): I have now obtained an official transcript of a conversation from July 2nd, which confirms gross negligence. At 4:47 PM, XM Support (Nouras) explicitly admitted: "The relevant department is aware [of the bug] and is investigating it." Despite this admission of a platform bug, the employee instructed me to "trade" at 4:53 PM. This constitutes "misleading negligence." XM instructed me to trade on a malfunctioning system, resulting in a loss of $2,777. The transcript also reveals system errors, as my name was changed between "Maher" and "Mohammed." XM, your internal records prove your responsibility. I demand my $350 prize immediately. Formal dispute proceedings have been initiated with the Financial Conduct Authority.

STORY UPDATE: I just confronted the agent (Naouras) who gave me the faulty advice. He tried to deny his previous written admission of the bug! When I confronted him with the transcript, they quickly transferred me to someone else and claimed he was 'unavailable.' XM is now actively trying to cover up the evidence. I have updated my regulatory file with this new proof of bad faith."

FINAL REGULATORY UPDATE (July 21, 2026): OFFICIAL INVESTIGATION BY FSC BELIZE INITIATED 🚨
The Financial Services Commission (FSC) of Belize has officially acknowledged my complaint and launched a formal investigation into XM Global Limited (Ref: Alvan Gentle).
The Cover-up is Blown:
In a final confrontation on July 20, the agent (Naouras) ADMITTED on record that a "technical problem" DID occur on the platform that day. This completely contradicts XM’s previous 3 automated rejections where they claimed "no glitch existed."
The Evidence Provided to Regulators:
The "Transparent Button" Trap: I have submitted video proof showing the execution buttons became transparent and unresponsive while I was in profit—a fatal system failure.
Induced Risk: Evidence that XM instructed me to trade on a server they knew was malfunctioning.
URN Violation: XM is in breach of CySEC/FSC protocols for refusing to provide a Unique Reference Number to block my access to the Ombudsman.
The case is now a high-level regulatory probe. XM is caught between their agent's written admission and their compliance department's false denials. I demand my $350 prize immediately. To all investors: XM is hiding server logs to cover up execution failures. STAY AWAY.

Assessment update July 23
XM publicly states that there were "no inconsistencies," but this contradicts my documented evidence.
On July 2, 2026, an XM representative informed me that the company was already aware of a technical issue affecting the platform. I have the official chat transcript confirming this.On July 20, 2026, I contacted the same representative again, and he acknowledged that there had been a technical issue that day. I also have documented evidence of this conversation.

I asked a support representative to speak with a manager, and they referred me to my account manager. I contacted him via email at ‏‪Ahmed Khaled Mohamed Metwaly‬‏ at 8:08 PM on July 22nd, but he did not respond.

XM has caused me major psychological problems.

You stated that a member of your team would get in touch with me to resolve the issue. You should expedite this communication with me.

Verry bed serice .. from last 7,8 month I try & retry withdrow my payment from xm acount.. but I not received any solution from back office ... verry bad service about withdrow... when i withdrowal process in xm App I fill my account details like bank acount no. And adress which all the they want.. but when I proceed , paymet is cut from xm account but not recived in my account... so kindly recherche before use there Services.. thay have not any office in india,, just send email them and whats app them..they have not any solution about my prob.. back office ,, support, xm globle, hindi suport,, and many there email id's but not any solution for me.. very verry bad service,, they are trapped Indians and when you want your payment back ..they send you email again and again.. and waist my time .. and we do verification your acount.. bala bala bla... but they don't solve my problem... very very bad platform.. I have taken action against them
In indian ministry of affairs and it cell as well .. if we all together.. then we take strong action against xm 360.. they r cheater ..kindly save your money.. if they not given my paymet I have take legal action against them..and 100% this platform is totally banned in India.. so our innocent and poor people protected from these manipulative and cunning people.. so all users of xm plz withdraw your xm accounts payment...

I deposited USD 100 into my XM trading account (Account No. 362138406, Name: Meenal Dhuriya) on 03 July 2026. Despite the payment being completed, the amount has still not been credited to my XM Wallet.

I have contacted XM customer support multiple times, but my issue remains unresolved. It has been several days, and I have neither received my funds nor a clear timeline for resolution.

As a trader, timely processing of deposits is extremely important. Delays like this affect trading opportunities and reduce confidence in the broker’s customer service.

I hope XM takes this matter seriously, investigates the issue immediately, and credits my deposit without any further delay.

Account Number: 362138406
Deposit Amount: USD 100
Deposit Date: 03 July 2026

I had a very disappointing experience with XM. My account balance of $10 was removed due to inactivity without any proper warning or notification. I never received a reminder email or message informing me that my funds would be deducted if I remained inactive.

What made the experience even worse is that after the money was deducted, I did not receive any notification explaining what had happened. I had to find out on my own, which was frustrating and confusing.

A broker should communicate clearly with its clients before and after taking any action that affects their account balance. Better transparency and customer communication are essential.

Because of this experience, I am disappointed with XM and hope they improve their notification system and treat inactive clients more fairly.

My trading account (430077177) has been under review for over a month. Although XM refunded my funds after suspending my account and told me they were ready for withdrawal, I cannot withdraw because no withdrawal methods are available. My bank withdrawal was rejected despite submitting all requested verification documents. Support only says they are "checking" and honestly its frustrating to be told the same thing over and over again.I have screenshots of the rejected withdrawals and missing withdrawal options. Please resolve this urgently. I just want you refunf me my money. Thank you

Their No deposit bonus is just a BAIT! They will give you the bonus, but only expecting you to LOSS all of it. I created my one and only account, received $50 no deposit bonus, trade with my own laptop with home WiFi, open more than 5 trades with volume more than min requirements. I made profit $159, and they just rejected my withdrawal and forfeited all the profits. And their reason is:
"Your account is using the same trading information (including but not limited to IP address) to trade with the accounts of other clients of ours who also received the No Deposit Trading Bonus."
HOW COULD IT BE POSSIBLE??? I traded and analysed by my own, I only know few traders and none of them using XM. If you profit without deposit, they won't let you go. TOTALLY A SCAM!