Capital.com is aimed squarely at CFD traders but clients from certain countries can also trade real stocks commission free. In addition to being regulated by several top-tier authorities worldwide, Capital.com's real value proposition lies in its low fees for trading forex and stock CFDs. We were impressed by the fast and seamless account opening at Capital.com, which we rated as one of the best in the industry. Customer support is equally exceptional.
Capital.com is overseen by 2 top-tier regulators (the FCA in the UK and ASIC in Australia) and provides negative balance protection to all its clients.
Our overall Capital.com rating: 4.6 stars
|🗺️ Country of regulation||UK, Cyprus, Australia, Seychelles|
|🛍️ Products offered||Stock, ETF, CFD (equity, index, crypto- the latter not available to UK clients -, commodity, forex), spread betting for UK clients|
|💰 Capital.com trading fees class||Low|
|💰 Capital.com inactivity fee||No|
|💰 Capital.com withdrawal fee||$0|
|💰 Capital.com minimum deposit||$20|
|🕖 Account activated in||1 day|
|💳 Depositing with bank card||Yes|
|👛 Depositing with electronic wallets||Yes|
|🎮 Capital.com demo account||Yes|
|📞 Customer service channels||Live chat, phone, email|
Disclaimer: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 87.41% 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.
Is Capital.com available in your country?
Is Capital.com legit?
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.
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.
|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.
What can you trade at Capital.com?
Capital.com is ideal if you want to trade CFDs as the broker offers an impressive range of CFD products. Some clients (typically those who come from the UK and Europe) can also invest in real stocks and a handful of real ETFs without paying commission.
Eligible clients can invest in stocks traded in the following markets: the US, the UK, Germany, France, Italy, Spain, and the Netherlands.
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, mutual funds and options or futures, Capital.com is not your broker.
|Currency pairs (#)||138|
|Stock index CFDs (#)||26|
|Stock CFDs (#)||5,430|
|ETF CFDs (#)||150|
|Commodity CFDs (#)||48|
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Is Capital.com cheap?
Overall, commissions and spreads charged by Capital.com are at the lower end of the industry average. Real stocks (where available) can be traded commission free.
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).
|S&P 500 CFD spread||1.1||Average|
|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.
Fees for trading real stocks
Capital.com charges zero commission on real stock trades. In other words, you will not have to pay anything extra for buying and selling real stocks through Capital.com.
Nevertheless, real stocks are only available to investors who opened an account at Capital.com’s UK and Cyprus regulated entities (typically clients from the UK and EU countries). Real stocks can only be traded on the mobile app.
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.
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.
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.
How can I contact Capital.com?
Capital.com's customer support is exemplary, one of the best in the sector. Clients can contact the brokerage via a multitude of channels: live chat, email, phone, WhatsApp, Telegram, Facebook Messenger and Viber.
Expect fast and relevant answers.
For more info on getting in touch with Capital.com, read our detailed customer service review.
Trading at Capital.com
If you open an account at Capital.com, you will be able to 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.
Research and charting
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.
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:
|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|
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).