The process speed for credit card deposit is instant.

You should be able to confirm the fund in your account right after the card deposit.

If the fund is not reflected in the account instantly, the reason could be as follows:

  1. This is the first time to deposit via card to XM.
  2. The card has expired.
  3. The card has reached its maximum limit.
*UnionPay deposit may take 24 hours to be processed by XM.

Please make sure that you have verified your account and also submitted a copy of your credit/debit card to XM beforehand.

For more information, you can find it in XM’s client portal.

XM Client Portal

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