XM Holding My Money for 20+ Days — Zero Accountability, Zero Support

I’ve been trading for years and decided to test XM. Biggest mistake.

I deposited ₹8,000 via their UPI method. Payment went through instantly on my end — but even after 20+ days, the money is STILL not credited to my XM account.

I’ve chased their support team repeatedly for weeks. Every single time, I get the same copy-paste response: “The relevant team has not replied yet.”

No timeline. No escalation. No ownership. Just complete negligence.

Meanwhile, I missed a trade worth over $300 because MY OWN MONEY was stuck in their system.

At this point, it’s not about ₹8,000 anymore — it’s about how casually they waste your time and ignore you like you don’t matter.

This is unacceptable for any trading platform. If they can’t even process a basic deposit or resolve an issue in 3 weeks, how can anyone trust them with serious capital?

Red flags I experienced:

Deposit successful but not credited for weeks

Support gives robotic, useless replies

No escalation or accountability

Zero urgency despite repeated complaints

Honestly, this feels like a platform that simply doesn’t care once they have your money.

Advice to others:

Avoid using UPI with XM

Don’t sit quietly — escalate immediately

Be extremely cautious before trusting them with larger funds

I’m now seriously considering legal action — not just for the money, but for the sheer negligence and disrespect for users.

If you’ve faced anything similar with XM, speak up. People need to know what they’re dealing with.