XS.com Account Types and Minimum Deposit: Micro, Cent, Standard, Pro and Elite Compared

Short answer: XS.com sets no minimum deposit on its Cent, Micro and Standard accounts and $500 on its Pro and Elite accounts, according to the account pages on xs.com read on 7 November 2026. The XS Micro account trades micro lots of 1,000 units (minimum 0.1 lot, so the smallest trade is 100 units of currency), charges no commission, runs on MetaTrader 5 only and shows no demo account. The global XS.com website is run by offshore entities, offers leverage of up to 1:2000 and says it is not directed at EU residents.

XS.com is not a broker we hold an affiliate relationship with; this page is information only. We earn a commission from some links on this site, including the alternatives named further down; it can influence which providers we feature.

Sources: the XS.com home page and the account pages for Cent, Micro, Standard, Pro and Elite, all read on 7 November 2026. Spreads are XS's own published averages, not something we measured.

What the XS Micro account actually is

XS describes the Micro account as aimed at newer traders and at traders who want to test a strategy with real money, using "much smaller trading units (1 Micro Lot = 1,000)". The specification table on the same page lists:

• Contract size: 1,000 units per micro lot, base currency USD
• Minimum volume: 0.1 lot, so the smallest order is 100 units
• Minimum deposit: none
• Commission: none; the cost is in the spread (1.1 pips average on EUR/USD, per XS)
• Products: currencies, metals, energy and indices
• Platform: MetaTrader 5 only
• Demo account: marked as not available for this account type
• Margin call / stop-out: 40% / 10%
• Swap-free option: available

The point of a micro account is position size, not a cheaper price. On EUR/USD, one pip on 1,000 units is worth about $0.10, so the 0.1-lot minimum moves about $0.01 per pip. A Standard account's smallest order (0.01 of a 100,000-unit lot) is also 1,000 units, about $0.10 per pip. So the Micro account lets you trade ten times smaller than the Standard account's minimum. That is useful for learning order handling with real money at near-zero stakes; it does not make the spread cheaper, because the average spread XS publishes is the same 1.1 pips.

The Cent account: the same idea, shown in cents

The Cent account also has no minimum deposit and the same 1.1-pip average spread, but the balance is shown in US cents (base currency USC) and the minimum volume is 0.01 of a "Standard Cent" lot. It suits the same purpose as the Micro account: small real-money trades while the numbers on screen look bigger than they are. It too is MT5-only with no demo account listed. Pick one of the two, not both; they solve the same problem.

XS minimum deposit: "no minimum" is not the number that matters

"No minimum deposit" tells you what XS will accept, not what an account needs. Three floors apply, and only the first is XS's:

• The broker's floor: none on Cent, Micro and Standard; $500 on Pro and Elite.
• The payment floor: your card, bank or e-wallet can set its own minimum. XS's funding page says it charges no internal deposit or withdrawal fees but that third-party providers and banks may charge their own.
• The risk floor: the amount below which you cannot place a stop-loss at a sensible distance. On the Micro account's 100-unit minimum, a 20-pip stop on EUR/USD risks about $0.20, so even $20 lets you risk 1% per trade. On a Standard account's 1,000-unit minimum, the same stop risks about $2, which needs roughly $200 for the same 1% rule.

One condition on the funding page is worth reading before you deposit: XS "reserves the right to apply a withdrawal fee of up to 3% in cases where there has been no trading activity" or where it identifies abusive or fraudulent activity. Depositing and withdrawing without trading can therefore cost money.

For the general version of this arithmetic, see what "no minimum deposit" really means and starting forex with $100.

What each XS account costs per standard lot

Using XS's own published averages and the usual EUR/USD pip value of $10 per 100,000-unit lot, the round-trip cost of one standard lot works out like this. This is arithmetic on XS's figures, not a measurement of fills:

Two things stand out. First, the Pro and Elite accounts land at roughly the same cost on these averages, so the choice between them is about whether you prefer the cost in the spread or as a commission. The Elite page notes that the total round-turn commission "is charged fully at position opening". Second, the $500 minimum on Pro and Elite buys about $4 less cost per standard lot than the Standard account, which only matters if you trade full lots often. Our raw vs standard account guide shows where that break-even sits. Swaps and any spread widening around news come on top.

Leverage up to 1:2000: what it means in money

The account pages list maximum leverage of 1:2000 on all five accounts (the XS.com home page shows up to 1:1000 for Cent and Micro, so the two pages disagree). Leverage changes how little margin a position needs, and so how quickly a loss can use up the account.

A worked example, assuming EUR/USD at 1.1000 (an assumed price for the arithmetic, not a quote): one standard lot has a notional value of $110,000.

• At 1:2000, the margin required is $110,000 / 2,000 = $55.
• At the 30:1 retail cap that applies in the EEA and the UK, it is $110,000 / 30 = about $3,667.

So an account holding $100 can open a full standard lot at 1:2000, where a 10-pip move against it is a $100 loss: the whole account. The 10% stop-out level on the Micro and Cent accounts (20% on Standard, Pro and Elite) means the platform starts closing positions only when equity has fallen to a tenth of the margin in use. Our explainer on offshore leverage of 1000:1 covers what the extra zeros cost, and ESMA leverage limits shows the caps regulated EU and UK brokers work under.

Who is behind XS.com, and does it matter where you live?

The XS.com footer, read on 7 November 2026, lists a group of entities, including:

• XS Ltd, regulated by the Financial Services Authority of Seychelles (licence SD089)
• XS Prime Ltd, regulated by ASIC in Australia (licence 374409)
• XS Markets Ltd, regulated by CySEC in Cyprus (licence 412/22)
• XS Finance Ltd, regulated by the Labuan FSA in Malaysia (MB/21/0081)
• XS ZA (Pty) Ltd, regulated by South Africa's FSCA (53199)
• XS Trade Services Ltd, regulated by the FSC of Mauritius (GB25204786)

The same site states: "This website is not directed at EU residents and falls outside the European and MiFID II regulatory framework", and that its information is not directed at residents of countries "including but not limited to the United States, the European Union, Australia, Japan". In plain terms: the accounts and the 1:2000 leverage above belong to the global, offshore offering. A CySEC or ASIC licence elsewhere in the group does not mean those protections cover an account opened through the global site. Check which entity your client agreement names, then confirm that entity on its regulator's own register. Our step-by-step regulator check shows how.

XS vs XM: two different brokers

The names are one letter apart and both brokers offer a Micro account, which is why searches mix them up. They are separate companies with separate licences, account rules and minimums. If you meant XM, our XM account types guide compares XM's Micro, Standard, Ultra Low and Shares accounts from XM's own partner document.

Regulated alternatives with a low entry point

If the attraction of the XS Micro account is a small first deposit, regulated brokers in the EEA, the UK and Australia also have low floors, with retail leverage caps and negative balance protection attached. All three below are held by this site (we earn a commission if you open an account), and each figure was read on the broker's own page on 7 November 2026:

Compare XTB's account (no minimum initial deposit) or see Pepperstone's account types. If you want raw pricing with a $100 floor, Eightcap's Raw account lists spreads from 0.0 pips plus $3.50 commission per lot, per side. Micro lots are not unique to offshore brokers: the smallest order on most MT4/MT5 accounts is 0.01 lot (1,000 units), and our guide to the nano lot covers the even smaller sizes some accounts accept.

Checklist before opening any micro account

• Find the entity named in the client agreement, not the brand on the website.
• Check the leverage you are actually given, and set it lower if the platform lets you.
• Look for a demo first. The XS Micro and Cent accounts list none, so practise on a Standard demo or on another broker's demo. Our demo account guide covers what a demo can and cannot teach.
• Read the withdrawal terms, including any fee for withdrawing without trading.
• Use a stop-loss sized to a fixed risk, which the position size tutorial shows step by step.

Risk warning

CFDs and margin forex are complex, leveraged products and you can lose money rapidly. XS.com's own risk warning reads: "it is possible to lose all your capital." Retail loss rates published by regulated brokers sit between 70% and 80% on the pages we read for this article. This page is general information, not financial advice; check every figure on the broker's own site before you open an account.