Notice
[Important Announcement] XS has dramatically improved! Cashback rate has increased by up to approximately 103%!
The cashback conditions for XS purchased through MoneyChat have been revised, and the cashback amount has been significantly increased.
For MT5 only, the previous "fixed amount" has been changed to a "44% spread return (spread-linked)" system,
which is an update that will significantly reduce trading costs, especially for those who mainly trade gold and Bitcoin.
What has changed?
Previously, XS cashback was calculated as a "fixed amount," but with this revision, it
has been changed to
"44% of the spread." *Only applies to MT5 FX Major, Gold, and Bitcoin.
Because the wider the spread on a particular instrument, the larger the return on investment, this creates a very favorable environment for traders who trade highly volatile instruments such as gold and Bitcoin
Increased impact (gold and Bitcoin)
- Bitcoin (BTCUSD)
*When the spread is 3700 points- Old: $8.0/lot → New: $16.28/lot
- [About 2 times (+103%UP)]
- Gold (XAUUSD)
*When the spread is 20 points- Old: $7.2/lot → New: $8.8/lot
- [About 1.2 times (+22%UP)]
*The new cashback amount is linked to the spread and will fluctuate depending on market conditions. The above is an estimated value under normal circumstances
What is "actual cost"? — A concept explained in 30 seconds
In overseas forex trading, a spread (the difference between the buying and selling price) is incurred as a cost with each trade
Using MoneyChat, a portion of this spread is returned to you as cash back
[Spread - Cashback = Effective Cost]
these actual costs, the greater the profit you will end up with.
Below, we compared the actual cost of gold membership at seven popular companies that support MoneyChat
Gold Actual Cost Comparison - 7 Companies Supporting Money Chat
This compares the actual cost and cashback (CB) when trading 1 lot of gold (XAUUSD) in a standard account
| Company Name | Actual cost (the lower the better) | CB cashback amount |
| XS (new) | $11.2 | $8.8 |
| Company A | $11.4 | $3.6 |
| Company B | $12.0 | $8.0 |
| Company C | $15.0 | $3.0 |
| Company D | $18.5 | $3.5 |
| Company E | $19.5 | $4.5 |
| Company F | $26.5 | $8.5 |
*Prices are per round trip for each company's standard (STP) account and 1 lot. Spreads are estimates based on the official average values of each company. Cashback amounts are estimated values via MoneyChat. These may vary depending on the time of day and market conditions
XS achieves virtually the same effective cost as other companies with the narrowest spreads, thanks to its high cashback rate of 44% of the spread
On the other hand, with brokers that offer wider spreads, the actual cost can be around twice that of XS, even after factoring in cashback.
For those who trade gold frequently, this difference can amount to a significant sum on a monthly and annual basis.
Comparison of actual costs when trading 50 lots per month (Gold)
| Company Name | Actual monthly cost | Difference from XS |
| XS | $560/month | (CB cashback amount: $440/month) |
| Company B | $600/month | +$40 |
| Company E | $975/month | +$415 |
| Company F | $1,325/month | +$765 |
Hidden benefits of spread-linked systems
This "44% cashback" offer has a more important point than just the increased base amount
Fixed-amount method (conventional)
Even if the spread widens, the amount of cashback remains the same → Increased costs become a direct burden
Spread-linked (44% - New)
As the spread widens, the refund amount automatically increases → Automatically covers increased costs
Even before and after economic indicator announcements or during periods of sharp volatility, the payout increases in conjunction with the spread, automatically mitigating upward fluctuations in trading costs .
This structural difference is particularly significant for assets with volatile price fluctuations, such as gold and cryptocurrencies
How to use
- If you already have an XS account via MoneyChat, no action is required. The new rates have been automatically applied.
- If you don't already have an XS account , take this opportunity to experience our enhanced cashback environment.
With MoneyChat, withdrawal fees are zero and funds arrive in as little as one minute
Click here for XS account opening and details
*Registration and use of MoneyChat are completely free
This revision will directly impact the profit margins of those who primarily trade gold and cryptocurrencies. Make the most of the new XS trading environment and use it to your advantage in your daily trading
We kindly ask for your continued patronage of Money Charger