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Overall equity fees at CapTrader

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Krisztián G.
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Broker fees as of January 2024 - a quick overview

My key findings in a nutshell
Krisztián Gátonyi
Method-Man | Forex • Market Analysis • Stock Market

I've thoroughly tested CapTrader services with our analyst team by opening a real-money account and these are my most important findings:

  • CapTrader is a cheap broker for equity investors
  • Trading fees at stockbrokers are key; they're usually small but watch out for flat charges
  • Long-term investors should avoid inactivity and custody fees if possible

When you decide to open a brokerage account, costs will probably be among your top considerations, and rightly so. But brokers often have a menacingly long list of fees in their terms and conditions, and it's not always evident at first which ones are relevant to you. In this article, we'll sort out which fees you need to pay attention to if you are a long-term equity investor, and how these fees are charged by CapTrader.

Of all fees, trading fees will probably make the biggest impact on your overall costs. Trading fees (sometimes called commissions) are charged when you buy or sell an asset such as a stock, ETF, mutual fund or bond. Often, trading fees can be zero. But in other cases, you may have to pay a $10 flat charge even if all you want to buy is a single stock. So keep an eye on these if you want to keep your overall costs low.

Anything that's not a trading fee is usually called a non-trading fee. There are quite a few of these, but some are more relevant to equity investors than others. For example, inactivity fees, custody fees or conversion fees can make a visible impact on your overall costs, so it's best to avoid them if possible. Then there are other fees that you'll run into less often, if at all, such as withdrawal fees, account fees or deposit fees. We'll walk you through all of these below.

To read more about possible expenses you may face as a long-term investor, check out our summary of the most common brokerage fees.

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CapTrader stock trading fees

Stock trading fees at CapTrader are considered low.
CapTrader main highlights
💰 CapTrader stock trading fee class Low
💰 CapTrader US stock commission $0.01 per share; min. $2, max. 1% of trade value
💰 CapTrader UK stock commission £8 + 0.05% of trade value for trade value more than £50,000; fixed £8 for trade value less than £50,000
💰 CapTrader German stock commission 0.1% of trade value with €4 min and €99 max

Data updated on January 25, 2024

Stock trading fees explained

There are several ways your broker may charge you for trading stocks and ETFs Ideally, they won't charge you anything - indeed, commission-free stock and ETF trading is increasingly common, especially in the US.

Other than that, you may face a small commission per share (usually something in the range of $0.01 per share), or a tiny percentage of the total trade volume (typically around 0.1% or less). However, beware of flat minimum charges (terms like “0.1% of trade volume or $10, whichever is higher”); these can make smaller transactions prohibitively expensive.

Stock trading fees may also differ by region. For example, a US broker may let you trade US stocks for free but charge a commission for UK stocks; while the opposite may be true for a UK broker. Have an idea of what assets you want to invest in and choose your broker accordingly.

For most investors, it's tempting to opt for a commission-free stockbroker. However, these brokers will probably charge you in other ways. Maybe their other fees will be higher, or their services will be more basic. More likely, they'll profit from payment for order flow for you, this means you may not get the best 'Buy' price available on the market at any given moment.

CapTrader mutual fund trading fees

Mutual fund trading fees at CapTrader are considered average.
CapTrader mutual fund trading fees
💰 CapTrader mutual fund trading fee class Average
💰 CapTrader mutual fund commission $14.95 per transaction or 3% of trade value, whichever is lower

Data updated on January 25, 2024

Mutual fund fees explained

Brokers usually charge a small percentage of the traded volume for buying or selling mutual funds, or a flat minimum fee, whichever is higher. Brokers that manage funds under their own custody often allow you to trade these funds for free; while charging a fee for trading mutual funds by third-party fund providers.

CapTrader non-trading fees

Non-trading fees at CapTrader are considered low.
CapTrader non-trading fees
💰 CapTrader non-trading fee class Low
💰 CapTrader custody fee No custody fee
💰 CapTrader inactivity fee If your portfolio is below $1,000 and no trades have been carried out during the month, then a monthly fee of $1 applies
💰 CapTrader withdrawal fee Free in the current calendar month, every additional bank transfer in the current month costs 8 Euro.
💰 CapTrader account fee No account fee
💰 CapTrader deposit fee Free deposit
💰 CapTrader conversion fee Trade value less than $1 billion: 0.3 bps * trade value; min. $3.75

Data updated on January 25, 2024

Non-trading fees explained

If you're a long-term equity investor, make sure to check out the following non-trading fees when shopping around for an online broker; and try to find a broker that doesn't charge them.

  • Inactivity fees must be paid at some brokers if you don't use your account for trading or other transactions for a longer period (usually a few months or a year). Once it kicks in, you have to pay it regularly until you start trading again. Exact terms - such as what counts as an activity - differ from broker to broke
  • Custody fees (also sometimes called custodial fees) are applied by some brokers in exchange for holding your stock, ETF, mutual fund or bond investments. It is calculated as a percentage of your total holdings, and usually amounts to about 0.1-0.5% annually, to be paid once a year, quarterly or monthly; there is often also a minimum fee and/or a ceiling. Most brokers do not charge a custody fee, or waive it for all but the smallest and least active accounts.
  • Conversion fees are charged by some brokers when you buy or sell an asset denominated in a currency other than that of your account - like buying a US stock from your GBP account. Brokers usually charge a small mark-up of up to 1% on top of the market exchange rate. A conversion fee may also be applied when you deposit money to your broker account from a credit/debit card or bank account that's in a different currency.

There are some other non-trading fees that are less relevant for long-term stock investors, but it's nonetheless good to know what they are.

  • Account fees may be applied monthly or quarterly simply for maintaining your broker account. The vast majority of online brokers no longer charge account fees.
  • Deposit fees may be applicable when you transfer money to your brokerage account. Luckily, virtually no online brokers charge deposit fees these days.
  • Withdrawal fees may be applied when you take money out from your broker account. If you're a long-term investor, you probably won't face this situation too often; and when you do, you'll be glad to find that many brokers don't charge a withdrawal fee for simple
  • Margin rates are only charged for leveraged trading; if you're a simple stock investor, you can safely ignore them.

Looking for the best brokers with the most affordable fees?

If you are looking for a reliable and excellent broker with the best possible fees, check out our top list of the best discount brokers compiled by BrokerChooser's team of brokerage analysts after testing more than 100 brokers globally.

Check out this short video for a behind-the-scenes peek into how our experts personally test and evaluate brokers.

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Further reading

Author of this article

Krisztián Gátonyi

Method-Man | Forex • Market Analysis • Stock Market

I have 15 years of experience in proprietary trading, mainly in the interbank currency market as a foreign exchange risk manager. I'm actively involved in reviewing the 100+ brokers listed on our site. I personally open accounts with real money, execute trades, test customer services. I hold an MSc in International Business from the University of Middlesex. My purpose is to help people find the best investment provider.

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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