FXSpreadMeter broker review
Capital.com
Capital.com Review
Fees, Platforms, Markets & Trading Tools
- Ranking
- #7
- Minimum deposit
- $20
- Regulation
- FCA, Tier-1 Regulated, ASIC
- Platforms
- Capital.com Web, Capital.com Mobile, MT4
Last verified 13 August 2026. Capital.com links are commercial — see our affiliate disclosure.
FXSpreadMeter score
8.5
out of 10
Section 01
Capital.com overview
Capital.com is a mobile-first CFD broker built around artificial-intelligence features that try to make trading more transparent. The app explains why you are being shown a particular instrument, flags leverage and margin in plain language, and offers educational snippets alongside the order ticket. That approach is unusual in an industry where platforms usually assume the user already understands derivatives.
The product range is broad within the CFD universe: forex, indices, commodities, shares, ETFs and crypto are available in supported jurisdictions. The broker does not offer real underlying ownership; everything is traded as a CFD, which is a leveraged derivative with financing costs and no shareholder rights.
Our view is that Capital.com is best suited to traders who want a clean, modern interface, strong educational scaffolding and straightforward CFD access without the clutter of a professional terminal. Traders who need MetaTrader, direct market access or a full multi-asset custody account will find the platform limiting.
Capital.com operates through several regulated entities. The company that signs your client agreement decides which products you can access, what leverage is available, what investor-protection scheme applies and how fees are charged. Conditions described here may not match your own account once you register from your country of residence.
Section 02
Capital.com at a glance
Account minimum
No fixed minimum for most accounts
Payment methods and entities may impose their own floors.
Headline products
CFDs on forex, indices, commodities, shares, ETFs, crypto
Platforms
Capital.com mobile app, web platform, TradingView integration
No MetaTrader or cTrader.
Commission structure
Spread-only on most CFDs; no separate commission on the headline offer
Negative balance protection
Available for retail clients in supported jurisdictions
Base currencies
Several major currencies supported
Availability depends on the entity.
Withdrawal fee
Generally no broker-side withdrawal fee
Your payment provider may still charge.
Inactivity fee
No inactivity fee
As of last review; confirm current terms.
Section 03
Capital.com key data
| Minimum deposit | No fixed minimum for most accountsSome payment methods and entities may require more. |
|---|---|
| Stock CFD trading | AvailableCFDs only, not real share ownership. |
| ETF CFD trading | Available |
| Forex | AvailableSpread-only CFD pricing. |
| Crypto | Available as CFDs in supported jurisdictions |
| Copy trading | Not a core featureNo integrated copy-trading module. |
| Platforms | Capital.com mobile app, web platform, TradingView |
| Withdrawal fee | Typically none from the broker's side |
| Inactivity fee | Generally noneConfirm current terms. |
| Account opening | Fully online with identity verification |
| Negative balance protection | Available for retail clients in supported jurisdictions |
Values marked “To be verified” have not yet been confirmed against the broker's own published documentation. Last verified: 13 August 2026.
Section 04
FXSpreadMeter assessment
FXSpreadMeter score for Capital.com
8.5 / 10
Weighted composite of the category ratings below. It reflects our current research view and is revised whenever a broker's pricing, regulation or platform offering changes.
Capital.com scores highly on platform design and education. The mobile app is one of the cleaner CFD interfaces available, the AI-driven explanations genuinely help newer traders understand what they are doing, and the absence of an inactivity fee removes a common annoyance. These are real strengths for a retail audience.
It also scores well on cost transparency for a spread-only broker. There is no commission line to compare, but the spread and overnight financing are displayed clearly, and the educational prompts reduce the chance of accidentally using leverage. Negative balance protection is available for retail clients in the main regulated entities.
It loses points on platform depth and asset ownership. There is no MetaTrader, no cTrader, no direct share ownership and no professional desktop terminal. Traders who want those things will outgrow the platform quickly. It also loses points on jurisdiction complexity: not every product is available in every country, and some regions are served by entities with different leverage rules.
Section 05
Capital.com fees & trading costs
Capital.com is a spread-only broker on most products. There is no separate dealing commission on the standard CFD offer; the cost is embedded in the bid-ask spread and in overnight financing for positions held past rollover. That makes the platform easy to compare at a glance, but it also means the total cost over a year depends heavily on how often you trade and how long you hold.
The main non-trading cost to watch is overnight financing. Because Capital.com specialises in leveraged CFDs, any position held for more than a day incurs a daily charge that can exceed the spread if the trade is kept open for weeks. Currency conversion may also apply if your account currency differs from the instrument currency.
Pricing by account type
Spread and commission are shown per account type — a raw or ECN figure is not comparable with a spread-only account.
- Spread
- Not provided
- Commission
- $0
Spread-only on most CFDs
| Pricing | Spread | Commission |
|---|---|---|
| StandardSpread-only on most CFDs | Not provided | $0 |
Forex CFDs
What you pay
Spread-only; reference EUR/USD from around 0.6 pips
No separate forex commission.
FXSpreadMeter view
Stock and ETF CFDs
What you pay
Spread-only
CFDs, not underlying ownership.
FXSpreadMeter view
Index CFDs
What you pay
Spread-only
FXSpreadMeter view
Commodity CFDs
What you pay
Spread-only
FXSpreadMeter view
Crypto CFDs
What you pay
Spread-only
Available only in jurisdictions that permit crypto CFDs.
FXSpreadMeter view
Overnight financing
What you pay
Charged daily on leveraged positions held past rollover
The single most underestimated cost for swing traders.
FXSpreadMeter view
Currency conversion
What you pay
May apply on cross-currency trades
FXSpreadMeter view
Withdrawal fee
What you pay
Generally no broker-side fee
FXSpreadMeter view
Inactivity fee
What you pay
Generally none
Confirm current terms.
FXSpreadMeter view
Deposit fee
What you pay
Generally none from the broker's side
FXSpreadMeter view
- The FXSpreadMeter view column compares each cost against the current pricing of other active brokers in our directory for the same product type. It is a relative judgement, not a rating of the broker as a whole.
- Because the broker is CFD-only, there is no custody fee, dividend handling or stamp duty to compare — but there is also no underlying ownership.
- Holding leveraged CFDs for weeks can make overnight financing the largest cost of the trade.
Section 06
Capital.com Spread Meter
Spread Meter™
Capital.com Spread Meter
These are reference figures for standard retail CFD accounts, not live quotes. Spreads widen in volatile or thin markets and can differ by entity and instrument.
Spread-only on standard retail accounts.
Peer reference — EUR/USD average
0.70 pips
Capital.com EUR/USD reference
0.60 pips
Source: Capital.com published spread schedule and FXSpreadMeter retail-size observations. Last verified 13 August 2026. Spreads are variable, widen around news and illiquid hours, and differ by account type and entity. This component is built to accept a live pricing feed once one is connected.
Section 07
Is Capital.com regulated?
Capital.com is a group of separately regulated companies. The entity that holds your account determines the regulator, leverage limits, available products and compensation scheme. Two clients using the same app can therefore have very different legal protections.
This matters most for retail leverage and product access. A UK client may see different maximum leverage and a different crypto CFD availability from a client in another region, even if both are trading on the same branded platform.
Capital Com (UK) Ltd
Region
United Kingdom
Regulator
Financial Conduct Authority (FCA)
Key protection
FSCS eligibility for covered claims; FCA retail leverage caps and negative balance protection
Capital Com Australia Ltd
Region
Australia
Regulator
Australian Securities and Investments Commission (ASIC)
Key protection
ASIC client-money rules and product intervention limits; no statutory compensation scheme equivalent to FSCS
Capital Com MENA / Dubai entities
Region
UAE
Regulator
Dubai Financial Services Authority (DFSA) or other relevant UAE regulator
Key protection
Local client-money rules and regulatory protections; verify current entity
International group entities
Region
Other regions
Regulator
Varies
Key protection
To be verified for your specific country of residence
See the entity note in the overview above.
Section 08
Opening a Capital.com account
Opening an account is fully online. You register, provide identity documents, complete the suitability questionnaire and fund the account. There is no fixed minimum for most standard accounts, so the barrier to entry is low, though verification is a regulatory requirement and must be completed before full trading access is granted.
We do not publish a guaranteed approval time. The speed depends on the documents you upload and the checks your entity runs.
- 1
Create the account
Register with your email and set your country of residence. The country determines which Capital.com entity and product set you see.
- 2
Verify your identity
Upload government-issued photo ID and proof of address. This is required before withdrawals and often before trading.
- 3
Complete the suitability test
Answer the knowledge and experience questions honestly. Your answers may restrict access to leveraged products.
- 4
Review your account settings
Confirm your base currency, leverage limits and available products for your entity.
- 5
Fund the account
Deposit via a supported method for your region. No fixed minimum applies to most standard accounts.
- 6
Use the demo first
Test the mobile app, web platform and order ticket in a risk-free environment before committing real capital.
Section 09
Deposits & withdrawals
Funding and withdrawal options cover the standard retail methods in most regions: bank transfer, cards and supported e-wallets. Capital.com generally does not charge a withdrawal fee, which is a plus, but your bank or payment provider may apply its own charges or currency spreads.
Because the platform is CFD-only, there is no underlying asset custody or dividend reinvestment to manage. The only complications are currency conversion if your base currency differs from your funding currency or the instrument currency, and the anti-money-laundering rule that withdrawals usually go back to the original funding source.
Deposit methods
Bank transfer, cards, supported e-wallets
Availability varies by region and entity.
Withdrawal methods
Generally back to the original funding source
Withdrawal fee
Generally no broker-side fee
Minimum withdrawal
A minimum amount may apply
Check current terms.
Currency conversion
May apply on cross-currency activity
Processing
Withdrawals processed after verification checks
Bank settlement times add their own delay.
Third-party payments
Not accepted
Funds must come from an account in your own name.
Section 10
Capital.com platforms
Capital.com is built around its own mobile app and web platform. The design is modern, simple and heavily focused on reducing the complexity of CFD trading. Order tickets explain leverage and margin in plain language, and the AI features try to help you understand why you are looking at a particular instrument.
TradingView integration is available for charting and analysis, but execution remains in the Capital.com environment. There is no MetaTrader or cTrader, so traders who rely on those ecosystems will not find them here.
Capital.com mobile app
The flagship experience: clean design, educational prompts, fast order entry and full account management.
Check before funding: Whether mobile-only charting is deep enough for your strategy.
Capital.com web platform
A browser-based version of the mobile experience with larger charts and more workspace room.
Check before funding: That you are comfortable with the simplified order and analysis tools.
TradingView integration
Advanced charting and analysis alongside Capital.com execution.
Check before funding: You will analyse in TradingView and execute in Capital.com.
MetaTrader 4 / 5
Not offered.
Check before funding: If your strategy needs MT4/5, this broker is not compatible.
cTrader
Not offered.
Check before funding: cTrader automation and depth-of-market tools are unavailable.
Mobile app
The mobile app is Capital.com's strongest platform. It is designed for quick onboarding, clear risk display and fast order entry. The AI features explain leverage and margin in context, and the watchlist and alert functionality are straightforward. For traders who want to manage positions on the move, the app is a genuine advantage.
Charting is good for a mobile app but not comparable to a desktop terminal. Security is handled through device-level biometrics or passcode, and two-factor authentication should be enabled from the start.
Web trading platform
The web platform extends the mobile design to a larger screen. It is clean, fast and includes TradingView charting integration. The order ticket is the same simplified model as the app, which keeps the experience consistent but limits the depth of control available to advanced traders.
Customisation is limited. You cannot install custom indicators or expert advisors, and there is no depth-of-market ladder. For most retail CFD traders that is acceptable; for systematic or professional traders it is not.
Section 11
What can you trade with Capital.com?
Capital.com offers a wide range of CFD markets. Every product is a derivative, so you are always trading price exposure rather than owning the underlying asset. That means leverage, overnight financing and no shareholder rights apply across the board.
Availability and leverage vary by entity and jurisdiction. Some products, particularly crypto CFDs, are restricted or unavailable in certain regions.
Real stocks and ETFs
Not availableCapital.com offers CFDs only, not direct ownership.
Stock CFDs
AvailableCFD exposure to thousands of individual shares.
ETF CFDs
AvailableExposure to baskets and sectors via CFDs.
Forex
AvailableSpread-only CFD pricing on major, minor and exotic pairs.
Indices
AvailableCFDs on major global benchmarks.
Commodities
AvailableCFDs on metals, energy and soft commodities.
Crypto
Jurisdiction dependentCrypto CFDs available in some jurisdictions; restricted in others.
Options and futures
Not availableNot a standard part of the retail CFD offering.
Section 13
Trading tools & research
Capital.com's tools are built around education and risk awareness rather than advanced analysis. The platform integrates explainers, market news, an economic calendar and TradingView charting, with the AI assistant providing context on instruments and trading concepts.
AI-powered explainers
Plain-language explanations of leverage, margin and instrument characteristics.
Economic calendar
Upcoming macro events with expected impact and market relevance.
Market news and analysis
Integrated news feed and daily market commentary.
TradingView charts
Advanced charting for technical analysis alongside the simplified platform.
Price alerts
Set alerts on instruments and receive mobile or web notifications.
No automation or custom scripting
No expert advisors, strategy backtester or API for retail systematic trading.
Section 14
Capital.com pros and cons
Capital.com pros
- Clean, modern mobile app with AI-driven educational explainers
- No inactivity fee and generally no withdrawal fee
- TradingView integration for charting alongside the native platform
Capital.com cons
- No MetaTrader or cTrader support
- CFD-only model means no direct share or ETF ownership
Section 15
Who is Capital.com for?
May be suitable for
- Newer CFD traders who want clear explanations and a simple mobile app
- Traders who value a modern, clutter-free interface over professional terminal depth
- Retail traders who want broad CFD market access without commissions
- Traders who want negative balance protection and FCA oversight
- Mobile-first traders who manage most of their activity on a phone
May not be suitable for
- Investors who want to buy and hold real shares or ETFs
- Traders who need MetaTrader, cTrader or custom indicators
- Systematic or algorithmic traders who need APIs or automation
- Traders who want direct market access or depth-of-market tools
- Traders in jurisdictions where key products are restricted
These are general observations about the broker's characteristics, not personal recommendations. FXSpreadMeter does not assess individual circumstances.
Section 16
What traders say about Capital.com
Trustpilot Customer Feedback
No verified Trustpilot figures are on file for Capital.com yet. We publish the TrustScore and review distribution only once they have been pulled from Trustpilot, so nothing here is estimated.
View reviews on TrustpilotTrustpilot ratings reflect customer feedback and are separate from the FXSpreadMeter broker rating. A high Trustpilot score does not mean a broker is safer, better regulated or more suitable for your trading.
FXSpreadMeter reader reviews are coming soon.
We are building our own reader review database. Once live, this panel will show positive themes, common complaints, the review date and the number of reviews analysed for Capital.com. We do not republish individual reviews or comments from other platforms.
Section 17
Trading risks
CFDs are leveraged and can lose more than you expect
A CFD is a derivative. Small adverse moves are amplified by leverage, and most retail CFD accounts lose money.
Leverage caps depend on your entity
The maximum available leverage is set by your regulator and client classification, not by the marketing headline.
Overnight financing accumulates
Holding leveraged positions for days or weeks can make financing cost exceed the opening spread.
You do not own the underlying asset
All Capital.com products are CFDs, so you get price exposure without ownership, voting rights or dividends.
Product availability varies by jurisdiction
Crypto CFDs, leverage limits and even some markets may not be available in your country.
Mobile-first risk
A phone screen makes it easier to miss position size or leverage details. Always review the order ticket carefully.
Section 18
Capital.com FAQ
Section 19
Compare Capital.com with other brokers
Ready to explore Capital.com?
Check the current terms for your country and entity on the broker's own site, then weigh them against the rest of our ranking before you commit any capital.
Finished the Capital.com review?
Open Capital.com in a new tab to check live terms for your country, or keep comparing before you commit capital.
Data sources: Capital.com's published fee schedule, terms of use and help centre; Public registers of the relevant financial regulators; FXSpreadMeter's own retail-size pricing observations. Last verified 13 August 2026. Canonical URL: /reviews/capital-com-review/
