I am using XM since 1 year ago. My only complaint is the withdrawal process. Several times my withdrawal process lasted for more than 3 days. The longest is 7 days. I got the money eventually in my account. But, the process that I had to fight for so that I got the money into my account was not comparable. Just waiting at the next 3 months. If I'm still experiencing the same thing, maybe I'll switch brokers and won't use XM anymore.