They promised me swap-free trading and I got it. For sure, there is a special list of assets that can be traded without any swaps, while others still have them, but it's ok. I trade major forex pairs and almost all of them are free of swaps when you choose ultra low standard account. GBP/USD, AUD/USD and others can be traded positionally and you will take the biggest cut of made profits, it's quite attractive and very thoughful of the broker. XM also has clear depositing system, everything is done quickly without side hassle. I easily get my money in and out and it saves up some time which I tend to spend when I was working with other brokers. The aspect of safety of funds and reliability of the broker shouldn't be doubted.