Every licensed & regulated Online FX broker requires the same types of documents to verify your accounts.

In case, you are not able to verify your accounts because you cannot acquire a proper ID or POA(Proof of Address) for yourself, you may face the following problems.

• Not being able to open an account
• Not being able to make a deposit
• Not being able to withdraw funds

In the case of XM, you can 1. open accounts and 2. make a deposit to your live trading account without verifying your accounts, but you cannot withdraw your profits.

If you have already funded(made deposits) to your XM trading account, and cannot verify your account, please contact XM support team to resolve this problem.

Normally, you can get refund back to your original source of the payment(deposit).

XM Official Website