Capital.com Logo
Written by:
Fact checked by:
Updated:
Dec 2022
Recommended for
  • forex trading 4.3/5
Trusted broker
  • Top-tier regulation in the UK
  • Compensation in case of broker bankruptcy (terms apply)
  • Negative balance protection (terms apply)
Popularity
27,219 people chose this broker in the last 6 months

Our take on Capital.com

Capital.com is highly recommended for CFD traders looking for excellent trading platforms, an outstanding CFD selection and a smooth account opening experience. Capital.com’s trading platforms are intuitive and easy to use, making it suitable even for beginner traders. Still, Capital.com is far from being an all-round broker, as popular asset classes such as real stocks or options are not available. Spread bets and CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Clients from the United Kingdom: 79% of retail investor accounts lose money when trading spread bets and CFDs with this provider. You should consider whether you understand how spread bets and CFDs work and whether you can afford to take the high risk of losing your money.

BrokerChooser score
4.6 4.6 /5
Visit broker 84% of retail CFD accounts lose money
Capital.com is not available in United States
Check out the best alternatives
S&P 500 CFD benchmark fee
$2.5
Credit/debit card deposit
Yes
Minimum deposit
$20
Negative balance protection
Yes
Pros
Cons
Low forex CFD fees
Only CFD and spread betting (for UK clients) available
Great account opening experience
Smaller account currencies not available
Excellent email and chat support
Missing price alert on the web platform
Expert opinion
“I often recommend Capital.com to friends who are just taking their first steps in trading. Beginner traders can learn a lot using Capital.com’s platforms, and they won’t have problems navigating the account application process. It’s a bit of a shame that only CFDs are available, and I also wished I could hold accounts in multiple currencies at the same time.”
Gergely Korpos
Co-founder / CPO

Capital.com main highlights

🗺️ Country of regulation UK, Cyprus, Australia, Seychelles
💰 Trading fees class Low
💰 Inactivity fee charged No
💰 Withdrawal fee amount $0
💰 Minimum deposit $20
🕖 Time to open an account 1 day
💳 Deposit with bank card Available
👛 With electronic wallet Available
💱 Number of base currencies 5
🎮 Demo account provided Yes
🛍️ Products offered CFD (equity, index, crypto- the latter not available to UK clients -, commodity, forex), spread betting for UK clients

Capital.com summary

Legitimacy
What can you trade at Capital.com?
Fees
Account opening
Capital.com withdrawal
Customer service
Trading at Capital.com
Research and charting
Glossary
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To read much more details about the broker's services and features, expand on the sections below.

Capital.com review
Legitimacy

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Capital.com is a thoroughly regulated broker, overseen by a number of highly reputable authorities around the world. Many of its clients are entitled to investor protection, depending on their country of residence.

Is Capital.com legit?

Capital.com's activities are regulated by:

  • the UK's Financial Conduct Authority (FCA),
  • the Australian Securities and Investments Commission (ASIC),
  • the Cyprus Securities and Exchange Commission (CySEC),
  • the Financial Services Authority of Seychelles (FSA).

The broker provides negative balance protection to all its clients.

What happens if Capital.com goes bankrupt?

In the unlikely event of insolvency, you may be eligible for investor compensation from your country’s compensation scheme.

Capital.com investor protection
Client country Protection amount Regulator
UK £85,000 Financial Conduct Authority (FCA)
EU (except Belgium), Norway and Cyprus €20,000 Cyprus Securities and Exchange Commission (CySEC)
Australia No protection Australian Securities and Investments Commission (ASIC)
All other countries No protection Financial Services Authority of Seychelles (FSA)

Still not sure Capital.com is legit? Read on.

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84% of retail CFD accounts lose money

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Capital.com review
What can you trade at Capital.com?

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Capital.com is ideal if you want to trade CFDs, as the broker offers an impressive range of CFD products.

Spread betting is available to UK investors but they are not allowed to invest in crypto CFDs.

If you want to buy and sell bonds, real stocks, mutual funds and options or futures, Capital.com is not your broker.

Product selection at Capital.com
Capital.com
Currency pairs (#) 138
Stock index CFDs (#) 26
Stock CFDs (#) 5,430
ETF CFDs (#) 150
Commodity CFDs (#) 48
Cryptos (#) 490

Here's a detailed description of all the asset types you can trade at Capital.com.

Disclaimer: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 84% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

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Capital.com review
Fees

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Overall, commissions and spreads charged by Capital.com are at the lower end of the industry average.

Fees for trading CFDs

At Capital.com, CFD fees are built into the spread. If you hold your positions overnight, the broker charges an overnight fee (financing rate or swap cost).

Capital.com CFD fees
Assets Fee Fee level
S&P 500 CFD spread 1.1 Average
EUR/USD spread 0.6 Low
Apple stock CFD commission The fees are built into the spread, 0.1 is the average spread cost during peak trading hours (tested as of Nov 04, 2022). Low

If you want more info on spreads, commissions and financing rates, we compiled a detailed breakdown of how much trades cost at Capital.com.

Other fees

Capital.com clients do not have to pay any fees for brokerage service. Account maintenance, depositing and withdrawal are free of charge. In addition, Capital.com does not charge an inactivity fee, which is not standard practice among CFD brokers. Sounds too good to be true? See for yourself whether Capital.com is really free.

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Capital.com review
Account opening

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Capital.com has one of the best account opening processes we encountered: it's simple, quick, well-designed and intuitive. We were impressed with the ease of the process.

Capital.com accepts clients from all over the world with a few exceptions, most notably the US.

To find out why it's safe to open an account at Capital.com, read further.

Minimum deposit at Capital.com

The required minimum deposit at Capital.com is $20 if the funds are transferred via credit/debit card, Apple Pay, or PayPal. For bank transfers, the minimum deposit is $250.

Our ultimate guide to the Capital.com minimum deposit is updated regularly.

Account types at Capital.com

The default account at Capital.com is the standard account. You will be categorized as either a retail or a professional client by the broker. You will be upgraded to a professional client if you:

  • had 10 trades of a significant size in the previous quarter
  • your portfolio exceeds €500,000
  • you worked in the financial sector for at least one year

Professional clients have access to higher leverage.

Depositing at Capital.com

You can deposit money into your Capital.com brokerage account via bank transfer, credit/debit card, and electronic wallets such as Apple Pay or PayPal (for UK and EU clients).

Depositing money is free of charge at Capital.com. You can only deposit money from accounts that are in your name.

Find out more details about how to deposit in our guide.

Read more

Capital.com review
Capital.com withdrawal

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You can withdraw money from your Capital.com brokerage account via bank transfer, credit/debit card, and electronic wallets such as Apple Pay or PayPal (for UK and EU clients).

Withdrawals are free of charge at Capital.com. You can only withdraw money to accounts that are in your name.

Read our withdrawal guide to find out how to access your funds at Capital.com.

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Capital.com review
Customer service

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Capital.com's customer support is exemplary, one of the best in the sector. We received fast and comprehensive answers.

How can I contact Capital.com?

Clients can contact the brokerage via a multitude of channels: live chat, email, phone, WhatsApp, Telegram, Facebook Messenger and Viber.

For more info on getting in touch with Capital.com, read our detailed customer service review.

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Capital.com review
Trading at Capital.com

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At Capital.com users can trade on 3 interfaces.
  • Mobile app - the broker's proprietary platform
  • Web platform - the broker's proprietary platform, MetaTrader4 and TradingView
  • Desktop platform - MetaTrader4

We gave almost the maximum score to the Capital.com app because it has a great design, it's intuitive and secure.

See how our experts rated the app features after testing it.

Capital.com has its own self-developed web trading platform but clients can also use the MetaTrader 4 platform (not available for UK clients) and TradingView.

We tested the broker’s proprietary trading platform in this review.

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Capital.com review
Research and charting

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Capital.com has great charting tools and market analyses on its website. The broker also provides a great news feed, which is available under the Discover menu icon.

Check out the trading statistics, such as the most traded or most volatile assets, on the platform in the Discover section.

If you need more info on the research tools available at Capital.com, we’ve got you covered.

How can you learn trading and investing at Capital.com?

Capital.com offers excellent means to educate yourself about trading and markets. The tools include a demo account, videos, articles and courses. The educational articles are mostly grouped by asset type (e.g. forex, commodities, shares), and include integrated videos.

Is Capital.com good for beginners?

Despite ample opportunities to educate yourself about trading offered by the broker, Capital.com is not an ideal broker for beginners as it focuses mostly on CFDs, which are complex and highly risky products.

Compare Capital.com to alternatives

If you are only starting out on your investment journey or have doubts whether Capital.com is the best broker for you, check out some of the alternatives to Capital.com. Our brokerage experts consider the following brokers as the best alternatives to Capital.com:

Capital.com alternatives
Broker Info Read review
XTB Global CFD broker XTB full review
Trading 212 Global CFD broker, but real stocks/ETFs are also available Trading 212 full review
eToro Global social trading broker eToro full review
IG Global CFD and forex broker IG full review

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84% of retail CFD accounts lose money

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Capital.com review
Glossary

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Not sure what some of the terminology means? Here are the most important and relevant terms used in our review:

CFD: short for contract for difference. When you trade CFDs, you speculate whether the price of a particular financial asset (i.e. a stock index, commodity or a currency pair) will increase or decrease in value. You essentially bet on whether the price will rise or fall and if your bet is right, your trade will make a profit.


Deposit fee: a fee that is charged when you send money to your trading account at a broker. The fee may differ depending on the method of transfer (i.e. bank card, bank transfer, e-wallets, etc.).


Inactivity fee: a fee that is charged when a customer has not done any buying or selling on their brokerage account for a specific amount of time determined by the brokerage.


Investor protection: a guarantee that - up to a certain limit - you will get your money back if the broker goes bankrupt or commits fraud. Click on the link to find out more about investor protection.


Non-trading fees: charges not directly related to trading, such as deposit/withdrawal fees or the inactivity fee.


Overnight fee: also called overnight rate, financing rate or swap fee. It is a brokerage fee charged when you hold a leveraged position for more than a day. If you open an Islamic/swap-free account, you won’t pay overnight fees, but usually you will pay higher spread fees.


Regulators: entities typically established by governments to oversee the functioning and fairness of financial markets. They lay out rules and regulations for financial market participants to ensure investors are not fooled by scams, and in case of wrongdoing, they try to provide some level of financial and legal backing.


Spread: the difference between the buy and the sell price, or in other words, the bid and the ask price.


Trading fees: fees charged by your brokers when you make a trade. Trading fees include commissions, spreads, financing rates, margin rates or conversion fees. For a better understanding of these very important charges, head on to our article on brokerage fees.


Withdrawal fee: the amount that you need to pay your broker when you withdraw money from your trading account to your bank account (or electronic wallet).

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Author of this review

Adam Nasli

Author of this review

Adam is a motivated finance expert. He is one of the first hires at BrokerChooser and has since tested almost all 100+ brokers covered by BrokerChooser. Adam holds a professional degree from CEU and he helps teach finance and programming courses at his alma mater. Previously he worked in the banking sector, including at Citi Bank. He loves researching the financial industry, managing his long-term investments, and trading with algorithms.

Adam Nasli

Analyst Head

Adam is a motivated finance expert. He is one of the first hires at BrokerChooser and has since tested almost all 100+ brokers covered by BrokerChooser. Adam holds a professional degree from CEU and he helps teach finance and programming courses at his alma mater. Previously he worked in the banking sector, including at Citi Bank. He loves researching the financial industry, managing his long-term investments, and trading with algorithms.

Everything you find on BrokerChooser is based on reliable data and unbiased information. We combine our 10+ years finance experience with readers feedback. Read more about our methodology

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84% of retail CFD accounts lose money

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