The process between giropay and XM should be instant, as it is processed online and doesn’t even take a few minutes to transfer funds to any accounts all over the world.
If you can not see the fund transferred in your XM account, please send the transaction statement to XM support desk.
Then, XM can confirm the deposit by matching the amount and the time.
There are many funding methods which you can fund your MT4/MT5 account instantly.
To find out the list of available deposit and withdrawal methods, please visit XM Official Website and login to the client portal.