FXTM Rewards 2026: Tiers, Reward Points and Cash Value

FXTM Rewards is FXTM's loyalty programme. Every qualifying trade earns two kinds of points. Tier Points move you up the ladder from Entry to VIP Master, and Reward Points, which you start earning at Bronze, are redeemable for cash at 500 points to $1. Redeemed cash lands in your trading account as a deposit, and you can trade it or withdraw it.

The tiers

Reward Points are calculated as Tier Points multiplied by your tier's multiplier, so the same trade earns more as you climb. Tier Points reset every 12 months; your tier for the new year is based on the previous year's trading, and you keep it by earning the minimum again.

What a trade earns

FXTM's example values are 200 Tier Points per lot for gold and USD instruments and 480 per lot for Bitcoin, credited half when you open and half when you close. The Tier Point calculator in the FXTM app shows the value of any instrument.

Account type matters too. FXTM says its Rewards account earns up to 2x Reward Points and Rewards Plus up to 3x, while the Advantage account, its raw-spread account with commission, earns standard Reward Points. Pick the account for its trading costs first: a higher multiplier on a more expensive account can still leave you worse off.

Redeeming and expiry

• Redeem any time under Hub, Loyalty and Bonuses, Rewards, Redeem, Cash.
• 500 Reward Points equal $1; the cash is credited instantly and shows as a deposit.
• Reward Points expire three months after they are earned.
• The programme covers live trading accounts only.

What a year of trading might earn

Reward Points depend on your tier multiplier, which FXTM shows in the app rather than publishing as a fixed table, so take this as an outline. A trader who reaches Silver with 10,000 Tier Points in a year has traded around 50 lots of gold or USD instruments at 200 Tier Points per lot. If their multiplier were 1x, that would mean 10,000 Reward Points, or $20; at 2x on a Rewards account, $40.

How FXTM Rewards compares

Bonuses that feed into Rewards

FXTM pays several of its promotions in Reward Points, including the welcome bonus and Refer a Friend. Special promotions, competitions and gamified quests also award bonus points from time to time.

Key terms explained

• Tier: a level in a loyalty programme. Higher tiers usually earn more points for the same trading.
• Rebate or cashback: part of your trading cost paid back to you, usually as cash you can withdraw.
• Spread: the gap between the buy and sell price, and the main cost of a trade on commission-free accounts.
• Expiry: the date after which unused bonus or points are removed, whatever is happening in your account.

Who this offer suits

FXTM Rewards suits regular traders who redeem points every few weeks and choose accounts on cost first. It suits less occasional traders, whose points may expire before they redeem them.

Mistakes to avoid

Traders often pick an account for its multiplier and pay more in spread than the points return. Another mistake is letting points expire: Reward Points last three months. Assuming your tier carries over without trading is the third; Tier Points reset every 12 months.

Before you claim: a quick checklist

• Activate FXTM Rewards in the app.
• Compare account costs before multipliers.
• Redeem points within three months.
• Track your Tier Points against the next tier.

Our verdict

FXTM Rewards is a sensible loyalty scheme with a published cash value, 500 points to the dollar, and no redemption hoops. Its value depends on your account's multiplier and how much you trade, and points expire after three months, so redeem regularly. Choose your FXTM account on cost first and let the points follow.

Frequently Asked Questions

How much are FXTM Reward Points worth?

500 Reward Points equal $1. You can redeem them as cash in your trading account and withdraw it.

How do I join FXTM Rewards?

Log in to the FXTM app or web account, go to Hub, Loyalty and Bonuses, activate the programme and start trading on an eligible live account.

Do FXTM Reward Points expire?

Yes, three months after they are earned. Tier Points reset every 12 months.

Which FXTM account earns the most points?

Rewards Plus earns up to 3x Reward Points and Rewards up to 2x; Advantage earns standard points. Compare trading costs before choosing on points alone.

Are FXTM Reward Points the same as Tier Points?

No. Tier Points decide your tier; Reward Points are what you redeem for cash. Reward Points equal Tier Points multiplied by your tier's multiplier.

Can I keep my FXTM tier next year?

Your tier for the new year is based on the previous year's trading. To keep or raise it, you need to earn the tier's minimum Tier Points again.

Where are FXTM Rewards shown?

In the FXTM app and web account under Hub, Loyalty and Bonuses, Rewards.

What is the top FXTM Rewards tier?

VIP Master, at 5,000,000 Tier Points in an account year.

How are redeemed FXTM points shown?

As a “Deposit” in your account balance history, credited instantly to the trading account you choose.

Do all FXTM instruments earn Tier Points?

Points vary by instrument; FXTM's examples are 200 per lot for gold and USD instruments and 480 for Bitcoin. The app's calculator lists the rest.

Can I lose FXTM Reward Points?

Yes, if you don't redeem them within three months of earning them.

How do Tier Points decide my FXTM tier?

Your tier depends on the Tier Points you earn in your account year: 1,000 for Bronze, 10,000 for Silver, 100,000 for Gold, 1,000,000 for VIP, 2,500,000 for VIP Expert and 5,000,000 for VIP Master.

Can I use FXTM Reward Points to trade instead of withdrawing?

Yes. Redeemed points arrive as funds in the trading account you choose, so you can trade them or withdraw them.

Does FXTM Rewards work on the Micro account?

FXTM's Rewards pages describe Rewards, Rewards Plus and Advantage accounts as earning points. Check the app for the accounts eligible in your region.