Reviews Brokers Capital.com

Capital.com Review & Trader Rating in 2026

4.5/ 5
Highly ratedAvailability not yet confirmed in United States
Traders · 3 votes
4.750%
Editorial
4.025%
External · 3
4.625%
capital-com website homepage
MetaTrader 4 on capital-com

Capital.com in a nutshell

Multi-jurisdiction regulation

Verified FCA, CySEC, ASIC, UAE CMA, SCB, BMA, Kenya CMA, and South Africa FSCA authorisations sit across separate entities. UK FSCS and client-money protections apply only where the UK entity and eligibility rules do.

Commission-free, spread-based pricing

No commissions on most instruments. Revenue comes from the spread, keeping the cost structure simple — though overnight financing applies to leveraged positions.

65% of retail accounts lose money

Capital.com's own risk disclosure states 65% of retail investor accounts lose money trading spread bets and CFDs. Leverage amplifies both gains and losses.

Proprietary platform plus MT4/MT5/TradingView

Traders get a choice of four platforms including the broker's own behavioural-finance-focused interface and full TradingView integration.

Spread betting is UK-only

The tax-efficient spread-betting product is restricted to UK-resident clients. Traders outside the UK access markets via CFDs only.

Editorial summary

Capital.com is a multi-regulated CFD and spread-betting broker founded in 2016, offering 5,500+ instruments across its proprietary platform, MT4, MT5, and TradingView. Low minimum deposit and no commissions make it accessible, though 65% of retail accounts lose money.

Capital.com launched in 2016 and has grown into a globally recognised CFD and spread-betting broker, reporting more than 3 million registered accounts and $1.7 trillion in client trading volumes in 2024. Headquartered in Limassol, Cyprus, the firm operates offices in London, Melbourne, Dubai, Warsaw, Nassau, Sofia, Vilnius, and Milan — a footprint that reflects its multi-jurisdictional regulatory structure.

Regulation and Safety

Capital.com publishes a multi-jurisdiction group structure. Verified entities include Capital Com (UK) Limited (FCA 793714), Capital Com SV Investments Limited (CySEC 319/17), Capital Com Group Ltd (CySEC 463/25), Capital Com Australia Pty Ltd (ASIC 513393), CAPITAL COM MENA SECURITIES TRADING L.L.C. (UAE CMA 20200000176), and Capital Com Online Investments Ltd (SCB SIA-F245). Current official sources also confirm Capital Com Investments (Bermuda) Ltd under the BMA, CC Kenya Securities Limited under Kenya CMA licence 244, and recent South African ODP and Category 1 FSP approvals under the FSCA. The entity that contracts a client depends on residence and onboarding. Eligible UK clients may receive FSCS protection up to £85,000 and UK client money is held under FCA CASS rules; these protections must not be applied globally. The record is not incident-free: CySEC imposed a €10,000 fine in 2022 relating to the Market Abuse Regulation, and ASIC oversaw remediation in 2023 after the Australian entity self-reported leverage-ratio breaches. Both remain relevant to the safety score, but neither is evidence of a current licence failure.

Platforms and Tools

Traders can access markets through Capital.com's proprietary web and mobile platform, MT4, MT5, and a TradingView integration. The proprietary platform is built around behavioural-finance principles — the firm describes its design philosophy as protecting decision quality rather than accelerating trade execution. Features include real-time market data, advanced charting, AI-assisted analysis tools, and a non-leveraged CFD product called 1X for risk-conscious traders. The TradingView integration extends charting and scripting capabilities for technically oriented users.

Products and Markets

Capital.com publishes access to 5,500+ instruments spanning forex, indices, shares as CFDs, commodities, bonds, interest rates, and crypto derivatives. Crypto derivatives are not available to retail clients registered with Capital Com (UK) Ltd. Spread betting is available exclusively to UK-resident clients. The 1X product offers non-leveraged CFD exposure for traders who want market access without standard CFD leverage.

Fees and Pricing

Capital.com earns revenue through the spread — the difference between buy and sell prices — rather than charging commissions on most instruments. The fees and charges page confirms this model. Overnight financing charges apply to leveraged positions held past the daily rollover. The firm publishes a dedicated pricing page explaining how markets are priced, providing transparency on the spread-based model.

Education and Research

The broker maintains a learning section covering trading strategies, technical analysis, and trading psychology. Market analysis and pricing commentary are published on the platform. In 2024, Capital.com released a research report titled 'Fear or Fortune?' examining UK investor attitudes to risk — an example of original research output beyond standard market commentary.

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What other platforms say about Capital.com

Reviews aggregated from 3 independent sources. Backed by 109,371 verified ratings.

4.6/ 5 Aggregate score

Ratings auto-collected by the TraderJury agent; methodology →

Is Capital.com right for you?

Best for

  • UK retail CFD traders — FCA-regulated access with entity-scoped CASS segregation and potential FSCS protection up to £85,000 for eligible clients
  • Beginners — low minimum deposit, commission-free trading, and free demo accounts across all platforms (proprietary, MT4, MT5, TradingView)
  • Multi-asset traders — 5,500+ instruments across several asset classes, with crypto derivatives unavailable to UK retail clients
  • Platform-agnostic traders — choice of proprietary web/mobile app, MT4, MT5, or TradingView integration
  • UK spread-betting traders — dedicated spread-betting account type available to UK clients only

Avoid if

  • US-resident traders — Capital.com is not registered with the NFA/CFTC and does not accept US clients
  • Traders outside the EU/UK/Australia seeking leverage above 1:30 — retail accounts in regulated jurisdictions are capped at 1:30 by ESMA/CySEC rules; higher leverage requires pro-account status
  • Spread-betting traders outside the UK — spread betting is available to UK clients only; other regions trade CFDs
  • Traders seeking specific pip spreads before account opening — exact spreads for major pairs (EUR/USD, GBP/USD, gold) are not published; they vary by market conditions and account type
  • Risk-averse traders — 65% of retail accounts lose money trading CFDs and spread bets with Capital.com; leveraged trading carries substantial capital-loss risk

Evidence and transparency breakdown

Dimensions our methodology can assess from the evidence stored for this review.

  • Regulator strength4.3 / 5 · Good

    Verified regulation spans FCA 793714, CySEC 319/17 and 463/25, ASIC 513393, UAE CMA 20200000176, SCB SIA-F245, BMA authorisation, Kenya CMA 244, and recent South Africa FSCA approvals across separate entities.

  • Segregated funds4.5 / 5 · Excellent

    Eligible UK client funds are held in segregated accounts under FCA CASS rules with daily reconciliation.

  • Compensation scheme4.5 / 5 · Excellent

    Eligible UK retail clients may receive FSCS protection up to £85,000 if the firm fails.

  • Company history4.0 / 5 · Good

    Founded in 2016 and operating for about a decade. A €10,000 CySEC fine in 2022 and an ASIC-supervised remediation event in 2023 are historic but relevant.

  • Transparency4.0 / 5 · Good

    Entity and licence sources, client-money treatment, payment methods, withdrawal timing, and location-specific risk disclosures are published; exact dynamic spreads and some entity-scoped policies remain unresolved.

Leverage by region

Caps on retail and professional accounts vary by regulator.

Region / RegulatorRetail maxPro maxRestricted assets
FCA (UK)1:30Up to 1:500 on major FX, major indices, and major commodities; lower limits apply to other assetsCrypto derivatives (retail only)
CySEC (Cyprus)1:30——
ASIC (Australia)1:30——
SCB (Bahamas)———

Fees

Spreads, commissions, swaps and inactivity fees per account type.

Account typeMin depositCommissionSwap (long)Swap (short)
Retail CFD20 GBP/EUR/USDNo commissionVariableVariable
Spread Betting (UK only)20 GBP/EUR/USDNo commission——
Pro Account20 EUR/USD/GBPNo commission——
1X Non-Leveraged CFD20 GBP/EUR/USDNo commissionNo overnight fee (except limited markets)No overnight fee (except limited markets)
  1. Minimum deposit: 20 GBP/EUR/USD; wire transfer: 50 EUR equivalent. Minimum withdrawal is generally 20 GBP/EUR/USD and varies by payment method. Capital.com publishes no broker deposit or withdrawal fee.
  2. Overnight funding applies to leveraged positions held overnight. Rates vary by instrument, position direction, benchmark rates, and market conditions.
  3. 1X positions are not subject to overnight funding, except Natural Gas, US Cocoa, VIX and forex pairs involving TRY.
  4. Pro clients receive a 0.5% FX conversion mark-up (vs. 0.7% for retail) on currency conversions.
  5. Guaranteed stop-loss orders incur a fee if triggered; GSL fees are not applicable to 1X accounts.
  6. 65% of retail investor accounts lose money when trading spread bets and CFDs with Capital.com.

Asset coverage

Tradable instruments per asset class.

Forex120
Stocks4,500
Indices35
Commodities65
Crypto
Bonds
Options
Futures

Trading platforms

Supported clients and automation features per platform.

PlatformWinMacWebiOSAndroidEAsIndicators
Capital.com Proprietary Platform✓✓✓✓✓——
MetaTrader 4✓✓✓✓✓✓30
MetaTrader 5✓✓✓✓✓✓38
TradingView——✓✓✓——

Platform screenshots

A look at the Capital.com trading interface.

Mobile app

App store ratings checked Aug 2026.

Account opening

Min age
18
Documents
Government-issued ID (passport, driving licence, or national ID card), Proof of address (utility bill, bank statement, or similar document dated within last 3 months)
Residency restrictions
Spread betting available to UK clients only, Crypto derivatives not available to retail clients registered with Capital.com (UK) Ltd

  1. Create your account

    Visit Capital.com and click 'Open account'. Provide your email address and create a password.

  2. Complete identity verification

    Submit a government-issued ID (passport, driving licence, or national ID card) for identity verification as part of KYC requirements.

  3. Verify your address

    Provide proof of address (utility bill, bank statement, or similar document dated within the last 3 months) to complete address verification.

  4. Make your first deposit

    Fund your account using a method available for your country. For the reviewed UK offering, current options include bank transfer, Visa/Mastercard/Maestro, Apple Pay, Google Pay, and TrueLayer. The published minimum is 20 GBP/EUR/USD for most methods and 50 EUR equivalent for bank wire.

  5. Start trading

    Access the proprietary platform, MT4, MT5, or TradingView and begin trading CFDs, spread bets (UK only), or 1X non-leveraged CFDs.

Demo account

Available
Virtual balance
Live prices, virtual funds (no expiry)
Duration
Unlimited
Can convert to live
Yes
Requires KYC
No

Available on proprietary platform, MT4, MT5, and TradingView. Features include all indicators, chart types, risk management tools, and portfolio management. Execution and liquidity may differ from live trading environment.

Deposit methods

Funding options, minimums, fees, and processing times.

MethodMinFeeProcessingCurrencies
Bank transfer500Usually up to 3 business daysEUR equivalent
Visa / Mastercard200Usually immediateGBP, EUR, USD
Apple Pay200E-wallet deposits usually within 48 hoursGBP, EUR, USD
Google Pay200E-wallet deposits usually within 48 hoursGBP, EUR, USD
Open banking (TrueLayer)200—GBP

Withdrawal methods

How and when you can take money back out.

MethodMinMaxFeeProcessing
Bank transfer20—0Request usually handled within 24 hours; receipt can take up to 5 business days
Visa / Mastercard20Up to the amount deposited by card0Request usually handled within 24 hours; receipt can take up to 5 business days
Apple Pay20Up to the amount deposited by this method0Request usually handled within 24 hours; receipt can take up to 5 business days
Google Pay20Up to the amount deposited by this method0Request usually handled within 24 hours; receipt can take up to 5 business days

Customer support

Supported languages: Arabic, Bulgarian, Chinese (Simplified), Croatian, Czech, Danish, Dutch, English, Estonian, Finnish, French, German, Greek, Hungarian, Italian, Latvian, Lithuanian, Polish, Portuguese, Romanian, Russian, Spanish, Swedish, Thai, Vietnamese

ChannelHoursLanguages
Email24/7Arabic, Bulgarian, Chinese (Simplified), Croatian, Czech, Danish, Dutch, English, Estonian, Finnish, French, German, Greek, Hungarian, Italian, Latvian, Lithuanian, Polish, Portuguese, Romanian, Russian, Spanish, Swedish, Thai, Vietnamese
Phone24/7English
Live chat24/7English
WhatsApp24/7Available · WhatsApp

Fees

3.8 /5

Capital.com charges no commissions on most instruments, earning revenue through the bid-ask spread. Overnight financing fees apply to leveraged positions held past the daily rollover.

Pros

  • No commissions on most CFD and spread-betting instruments
  • Transparent spread-based pricing model explained on a dedicated pricing page
  • No deposit fee charged by the broker

Cons

  • Overnight swap/financing charges apply to all leveraged positions held overnight
  • No raw-spread or commission-based account tier for high-volume traders
Capital.com earns revenue through the bid-ask spread rather than charging a trading commission on most instruments. Overnight financing applies to leveraged positions held overnight, with rates varying by instrument, direction, benchmark rates, and market conditions. The UK fees page publishes no broker deposit or withdrawal fee, a 20 GBP/EUR/USD minimum deposit for most methods, a 50 EUR-equivalent wire minimum, and a minimum withdrawal generally of 20 GBP/EUR/USD that varies by method. Exact EUR/USD spreads remain dynamic and were not captured as a stable pip figure. The 1X non-leveraged CFD product generally avoids overnight financing, with published exceptions for a limited set of markets.

Safety

4.0 /5

Capital.com operates through multiple regulated entities. Current verified sources cover FCA, two CySEC firms, ASIC, UAE CMA, SCB, BMA, Kenya CMA, and recent South Africa FSCA approvals; client protections depend on the contracting entity.

Pros

  • FCA authorisation 793714 with FSCS protection up to £85,000 for eligible UK clients
  • CySEC licences 319/17 and 463/25 and ASIC licence 513393 provide regulated EU and Australian coverage
  • Official sources also verify UAE CMA 20200000176, SCB SIA-F245, BMA authorisation, Kenya CMA 244, and recent South Africa FSCA approvals
  • UK client funds are held in segregated accounts under FCA CASS rules

Cons

  • CySEC imposed a €10,000 fine in 2022 relating to the Market Abuse Regulation
  • ASIC oversaw remediation in 2023 after Capital Com Australia self-reported leverage-ratio breaches
Capital.com publishes a multi-jurisdiction group structure. Verified entities include Capital Com (UK) Limited under FCA 793714; Capital Com SV Investments Limited under CySEC 319/17; Capital Com Group Ltd under CySEC 463/25; Capital Com Australia Pty Ltd under ASIC 513393; CAPITAL COM MENA SECURITIES TRADING L.L.C. under UAE CMA 20200000176; and Capital Com Online Investments Ltd under SCB SIA-F245. Current regulator and company sources also confirm Capital Com Investments (Bermuda) Ltd under the BMA, CC Kenya Securities Limited under Kenya CMA licence 244, and recent South African ODP and Category 1 FSP approvals under the FSCA. The contracting entity is determined during onboarding. Eligible UK retail clients receive FCA CASS client-money segregation and may receive FSCS protection up to £85,000 if the firm fails; those protections are not universal. The regulatory history includes a €10,000 CySEC fine announced in April 2022 and a 2023 ASIC-supervised remediation programme after leverage-ratio breaches were self-reported. These historic matters temper the safety score but do not amount to evidence of a current licence suspension or warning.

Deposit & withdrawal

3.8 /5

For the reviewed UK offering, Capital.com publishes a 20 GBP/EUR/USD minimum for most payment methods and a 50 EUR-equivalent bank-wire minimum. Verified deposit routes include bank transfer, cards, Apple Pay, Google Pay, and TrueLayer; bank withdrawals are supported.

Pros

  • 20 GBP/EUR/USD minimum deposit for most payment methods
  • UK deposit methods are documented for bank transfer, Visa/Mastercard/Maestro, Apple Pay, Google Pay, and TrueLayer
  • No broker deposit or withdrawal fee is published; withdrawal requests are usually handled within 24 hours

Cons

  • Method availability and bank arrival times vary by jurisdiction, payment rail, and receiving bank
Capital.com publishes a minimum deposit of 20 GBP, EUR, or USD for most payment methods and 50 EUR or equivalent for bank wires. Its UK fees page states that the broker charges no deposit or withdrawal fee and that the minimum withdrawal is generally 20 GBP, EUR, or USD, varying by method. The current deposit-method guide supports bank transfer, Visa/Mastercard/Maestro, Apple Pay, Google Pay, and TrueLayer for UK clients. Capital.com says card deposits normally appear immediately, bank transfers can take up to three business days, and e-wallet deposits are usually received within 48 hours; it does not publish one precise TrueLayer time. The bank-withdrawal guide confirms withdrawals to a bank account and explains that funds may be returned to the original payment method. Withdrawal requests are usually handled within 24 hours, while receipt can take up to five business days. These are process ranges, not a guarantee for every bank or jurisdiction.

Account opening

4.2 /5

Account opening follows a standard KYC process with identity and address verification. A free demo account is available on the proprietary platform, MT4, MT5, and TradingView without requiring a live deposit.

Pros

  • Free demo account available across all four supported platforms
  • Low minimum deposit to activate a live account
  • Online application process with no requirement to visit a branch

Cons

  • Services and available products vary by country and regulated entity; eligibility must be confirmed during signup
Opening a live account at Capital.com involves identity and address verification. A free demo account is available across the proprietary platform, MT4, MT5, and TradingView, allowing prospective clients to practise without a live deposit. The published minimum is 20 EUR, USD, or GBP for card and online-payment deposits, while bank wire transfers require 50 EUR or the equivalent. Country eligibility and the contracting regulated entity must be confirmed during signup; no country-level availability claim is made here without explicit evidence.

Web platform

4.3 /5

Capital.com's proprietary web platform is supplemented by a full TradingView integration and MT4 web access, offering advanced charting, multiple order types, and AI-assisted analysis tools.

Pros

  • Proprietary web platform with AI-assisted analysis and behavioural-finance features
  • Full TradingView integration for advanced charting and Pine Script strategies
  • MT4 web platform available for traders preferring the MetaTrader environment
  • 1X non-leveraged CFD product accessible via web for risk-managed exposure

Cons

  • No cTrader or other third-party platform beyond MT4/MT5 and TradingView
The Capital.com web platform is the broker's flagship interface, built in-house and designed around the principle that the environment shapes trading decisions. It incorporates real-time market data, advanced charting tools, and AI features positioned as analytical aids rather than trade-recommendation engines — the firm explicitly states its AI does not generate buy/sell recommendations. Order types available on the web platform include standard market, limit, and stop orders, with risk management tools such as loss limits and position ceilings built into the interface. For traders who prefer established third-party environments, TradingView is fully integrated, providing access to Pine Script indicators, community scripts, and TradingView's charting suite. MT4 is also available via web. The web platform page on the UK site confirms these options. The spread-betting interface is available to UK clients through the same web environment.

Product selection

4.2 /5

Capital.com publishes 5,500+ instruments across forex, indices, shares, commodities, bonds, interest rates, and crypto derivatives. Spread betting is available to UK clients only; crypto derivatives are not available to retail clients registered with Capital Com (UK) Ltd.

Pros

  • 5,500+ instruments across six major asset classes including bonds and interest rates
  • Crypto derivatives are offered outside the UK retail entity, subject to entity and country availability
  • Spread betting on all major markets available to UK-resident clients
  • 1X non-leveraged CFD product for traders seeking market exposure without leverage

Cons

  • Spread betting restricted to UK clients — non-UK traders access markets via CFDs only
  • No direct share ownership (stocks are CFDs only)
Capital.com publishes access to 5,500+ instruments across forex, global indices, shares as CFDs, commodities, bonds, interest rates, and crypto derivatives. Crypto derivatives are not available to retail clients registered with Capital Com (UK) Ltd; availability elsewhere varies by entity and country. UK-resident clients can also use spread betting. The 1X product provides non-leveraged CFD exposure for traders who want directional market access without standard CFD leverage.

Customer service

3.8 /5

Capital.com advertises 24/7 human support by phone, email, live chat, and WhatsApp, backed by a searchable help centre. The reviewed site is available in 25 distinct languages.

Pros

  • 24/7 human support advertised across phone, email, live chat, and WhatsApp
  • Dedicated UK phone number and support email are published
  • Help centre covers account, funding, withdrawal, and trading questions
  • Client-vulnerability and complaint pathways are published
Capital.com advertises 24/7 human support through phone, email, live chat, and WhatsApp. The UK contact route publishes +44 203 097 8888 and support@capital.com, while the help centre provides searchable operational guidance. The reviewed site exposes 25 distinct language options after normalising the duplicate generic Chinese label. Channel-specific language coverage is not fully itemised, so the global language list should not be read as a promise that every channel serves every language.

Research & education

4.0 /5

Capital.com publishes market analysis, trading strategy guides, technical analysis resources, and trading psychology content. The firm also produces original research, including a 2024 report on UK investor attitudes to risk.

Pros

  • Original research output: 2024 'Fear or Fortune?' report on UK investor risk attitudes
  • Educational content spans trading strategies, technical analysis, and trading psychology
  • Market analysis and pricing commentary published on the platform
  • AI tools integrated into the platform to support trade analysis (not recommendations)
Capital.com's educational offering covers trading strategies, technical analysis, and trading psychology — three pillars that address both the mechanical and behavioural dimensions of trading. The firm's design philosophy, centred on reducing impulsive decision-making, extends into its educational content, which frames risk management and behavioural awareness as core topics. Market analysis is published on the platform, providing commentary on current market conditions. In 2024, Capital.com released 'Fear or Fortune?', an original research report assessing attitudes to investment and risk among UK investors — a level of research output that goes beyond standard broker market commentary. The platform's AI features are positioned as analytical support tools, helping traders contextualise positions without generating directional recommendations. The help centre provides practical guidance on platform use, account management, and regulatory topics.

Frequently asked questions

  • Is Capital.com regulated?
    Capital.com operates through separate regulated entities. Verified sources cover FCA 793714, CySEC 319/17 and 463/25, ASIC 513393, UAE CMA 20200000176, SCB SIA-F245, BMA authorisation, Kenya CMA 244, and recent South Africa FSCA approvals. Your contracting entity and protections depend on residence and onboarding.
  • What is the minimum deposit?
    The published minimum is 20 EUR, USD, or GBP for card and online-payment deposits. Bank wire transfers require 50 EUR or the equivalent.
  • What platforms does Capital.com offer?
    Capital.com provides a proprietary web and mobile platform (iOS and Android), plus MT4, MT5, and TradingView integration.
  • How many instruments can I trade?
    Capital.com publishes 5,500+ instruments spanning forex, indices, shares, commodities, bonds, interest rates, and crypto derivatives. Crypto derivatives are unavailable to retail clients registered with Capital Com (UK) Ltd; broader availability varies by entity and country.
  • What are the fees and spreads?
    Capital.com charges no commissions on most instruments. Revenue comes from the bid-ask spread. Overnight financing fees apply to leveraged positions held past the daily rollover. Specific spread values are not published.
  • What leverage is available?
    EU retail clients are capped at 1:30 leverage under ESMA/CySEC rules. International and professional clients may access higher leverage.
  • How do I deposit and withdraw?
    For the reviewed UK offering, verified deposit routes include bank transfer, Visa/Mastercard/Maestro, Apple Pay, Google Pay, and TrueLayer. Bank withdrawals are supported. Capital.com states that requests are usually handled within 24 hours and bank receipt can take up to five business days; jurisdiction and bank differences apply.
  • What customer support is available?
    Capital.com advertises 24/7 human support through phone, email, live chat, and WhatsApp, plus a help centre. The reviewed site exposes 25 distinct language options, although every channel is not guaranteed in every language.
  • What is the retail loss rate?
    65% of retail investor accounts lose money when trading spread bets and CFDs with Capital.com.

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