Capital.com review

Capital.com applies a transparent CFD fee model based on spreads, overnight funding, and guaranteed stop-loss orders, with no hidden commissions. Traders can calculate costs upfront and tailor leverage or location settings to minimize charges.

Spreads

Capital.com embeds its fees within market spreads—for example, ~0.6 pips on EUR/USD and ~0.8 points on US 500 CFDs during peak hours. These vary by asset class and liquidity conditions.

Overnight Funding

When holding leveraged positions overnight, a daily funding rate applies—calculated as the benchmark rate (e.g., SOFR/SONIA) ± a 4% annual admin fee (≈0.0111% daily). Example: a US Tech 100 long costs ~0.0237% per night.

0% Overnight for Unleveraged Stock/Crypto (1X)

Nonleveraged (1:1) positions in shares or cryptocurrencies benefit from 0% overnight funding, allowing longer-term holding without funding costs.

Guaranteed Stop-Loss Order (GSLO) Fee

GSLOs guarantee execution at your specified level, even during gaps, but carry a one-off premium charged only if triggered. The fee is shown upfront on the trade ticket and depends on size and asset volatility.

Inactivity Fee

Accounts branded under EU/Cyprus or Bahamas entities incur a $10 monthly inactivity fee after 12 months of no trading.

Capital.com’s fee structure is designed for clarity and flexibility, especially for CFD traders using short- or mid-term strategies. With commission-free pricing and optional protection features like GSLOs, it offers a cost-efficient environment for most trading styles.

Capital.com operates under a globally diversified regulatory structure, providing clients with trusted oversight, investor protection, and compliance transparency. Each regional entity is licensed by a respected financial authority, ensuring that the platform meets high operational standards wherever you’re trading from.

Regulatory Entities & Licenses

Capital.com holds multiple licenses across key jurisdictions:

• Cyprus (EU): Capital Com SV Investments Ltd is licensed by the Cyprus Securities and Exchange Commission (CySEC) under license number 319/17. This entity operates under MiFID II, enabling EU passporting rights. (EU + Norway Clients)
• United Kingdom: Capital Com (UK) Ltd is authorized and regulated by the Financial Conduct Authority (FCA) under license number 793714. It adheres to strict consumer protection rules, including access to the Financial Ombudsman Service. (Only UK Clients)
• Australia: Capital Com Australia Pty Ltd is regulated by the Australian Securities and Investments Commission (ASIC) under AFSL number 513393. (Only Australian Clients)
• United Arab Emirates: Capital Com MENA Securities Trading LLC is regulated by the Securities and Commodities Authority (SCA) of the UAE. (Only UAE Client)
• Bahamas: Capital Com Online Investments Ltd is authorized by the Securities Commission of The Bahamas (SCB) under license number SIA-F245, operating as the global offshore entity. (For other countries)

Client Protection Measures

All regulated entities at Capital.com are required to:

• Hold client funds in segregated accounts, separate from operational capital.
• Offer negative balance protection for retail clients to prevent losses exceeding deposits.
• Maintain regular audits and compliance reporting to their respective regulators.
• Adhere to best execution practices, ensuring fair pricing and order processing.

Compensation Schemes

Investor compensation varies by region:

• CySEC: Clients are protected by the Investor Compensation Fund (ICF) up to €20,000 per eligible client.
• FCA (UK): Clients may be eligible for compensation up to £85,000 under the Financial Services Compensation Scheme (FSCS).
• ASIC, SCA, and SCB: These regions do not offer formal investor compensation schemes, though they enforce strong fund protection rules.

Data Security & Compliance

Capital.com complies with international data security standards and holds certifications including:

• ISO 27001 for information security management
• PCI DSS compliance for payment security

The platform also uses encryption, firewalls, and internal risk monitoring systems to protect user data and funds.

Capital.com offers a variety of deposit and withdrawal methods to suit users around the globe, emphasizing speed, security, and convenience. Both deposits and withdrawals are generally free of charge from the broker’s side, though third-party processing fees may apply depending on the provider.

Deposit Methods

Capital.com supports the following deposit methods:

• Credit/Debit Cards (Visa, MasterCard, Maestro)
• Bank Transfers (local and international SWIFT/SEPA transfers)
• E-Wallets: PayPal, Skrill, Neteller, Apple Pay, Google Pay, Trustly, iDeal, Sofort, Giropay, and others depending on the user’s region.

Deposits are typically processed instantly for cards and e-wallets, while bank transfers can take 1–3 business days. The minimum deposit is usually:

• $20 for credit/debit cards and e-wallets
• $50 for bank transfers
• $40 for LEAN (UAE)

All accounts must be verified (KYC-compliant) before funding, and deposits must originate from a payment method registered in the client’s name.

Withdrawal Methods

Withdrawals are processed using the same method used for the deposit (where possible) to comply with anti-money laundering regulations. The following options are available:

• Bank Transfers
• Credit/Debit Cards
• E-Wallets: PayPal, Skrill, Neteller, Trustly, etc.

Capital.com does not charge withdrawal fees, and most requests are processed within 24 hours. In practice, e-wallets and card withdrawals are often completed within a few minutes to hours, while bank transfers can take up to 5 business days to reflect in the user’s account.

The minimum withdrawal amount is $50, or the full available balance if less. If you used a card to deposit, any profits must usually be withdrawn via a verified bank account.

Additional Notes

• All payment methods must be under the same name as the trading account holder.
• Currency conversion may be applied by banks or e-wallet providers if your account currency differs.
• Capital.com reserves the right to request additional verification documents for large or suspicious withdrawals.

Capital.com’s payment system is designed to offer fast, fee-free, and flexible funding for both new and experienced traders, with support for a wide range of global and local methods.

By regulation, every new client must go through some basic compliance checks to ensure that you understand the risks of trading and are admitted to trading. When you open an account, you will probably be asked for the following items, so it is good to have them handy: A scanned colour copy of your passport or national ID A utility bill or bank statement from the last six months with your address You will also need to answer a few basic compliance questions to confirm how much trading experience you have. It is therefore best to take at least 10 minutes to complete the account opening process. Although you can explore the demo account immediately, it is important to note that you cannot make any real trading transactions until you have passed compliance, which can take up to several days depending on your situation.

Capital.com provides a selection of account types tailored to accommodate the needs of retail traders, professionals, and region-specific users. While the core trading features remain consistent across most accounts, the leverage, overnight charges, and regulatory protections can vary depending on the chosen account type and jurisdiction.

CFD Account

The standard CFD account at Capital.com is designed for everyday traders and is available to both retail and professional clients. It grants access to over 4,500 instruments including forex, stocks, indices, commodities, cryptocurrencies, ETFs, and futures-based CFDs. This account supports all trading platforms—web, mobile, MT4, and TradingView—and includes features such as negative balance protection and free educational tools. Retail users benefit from regulatory safeguards, while the account remains commission-free with competitive spreads. It is the default account provided upon signup.

Swap-Free (Islamic) Account

For clients who follow Islamic finance principles, Capital.com offers a swap-free account that excludes overnight interest or swap charges. This account is particularly useful for traders in the UAE, Middle East, and other Muslim-majority regions. Users must request the swap-free feature manually and can only enable it when there are no open positions. The account structure is otherwise identical to the standard CFD account, offering access to the same instruments, platforms, and tools, but ensures that trades remain compliant with Sharia law.

Spread Betting Account

Capital.com offers a spread betting account exclusively to residents of the United Kingdom and Ireland. This account allows traders to speculate on price movements without owning the underlying assets, with profits typically exempt from capital gains tax under local tax laws. The spread betting account operates on the same platform as CFDs and provides access to similar instruments, but profits and losses are measured in currency per point of market movement. It’s an attractive option for UK-based traders seeking tax-efficient strategies.

1X (Unleveraged) Account

The 1X account is tailored for traders who prefer low-risk exposure by trading without leverage. This means users can only trade using their deposited funds, eliminating the risk of margin calls. A key advantage of the 1X account is the absence of overnight fees for unleveraged trades, especially on shares and cryptocurrencies. The account is ideal for longer-term investors or those new to trading who want to avoid the risks associated with leveraged products. Capital.com highlights this option as a safer, more transparent way to engage with the markets.

Professional Account

Experienced traders who meet specific eligibility criteria—such as sufficient trading activity, large portfolio value, or relevant financial background—can apply for a Professional account. This account lifts many of the regulatory limitations imposed on retail clients. Most notably, it offers access to significantly higher leverage (up to 300:1 or more, depending on the jurisdiction), as well as priority customer support and exclusive events or insights. While professional clients gain more flexibility and potential trading power, they forfeit certain protections like negative balance protection, margin close-out limits, and access to investor compensation schemes. The Professional account is best suited for high-volume, well-capitalized traders who understand and can manage increased risk.

Demo Account

All users can access a free and unlimited demo account upon registration. The demo account replicates live market conditions and allows trading across all instruments using virtual funds. It’s an ideal environment for beginners to practice strategies and for experienced traders to test new tools or setups without risking real capital.

Capital.com’s account structure ensures flexibility for different trading styles and levels of experience. Whether you’re a new trader looking to get started risk-free or a seasoned professional seeking high-leverage opportunities, there’s a tailored account type to match your goals.

The best way to close your account is to send an e-mail to support@capital.com with the e-mail that you signed up with. Make sure that you have withdrawn all of your funds before the closure.

Capital.com offers a robust and responsive customer support system designed to assist traders at every step of their journey. The broker provides multiple support channels and operates with 24/7 availability in English, ensuring help is always within reach regardless of your location or trading schedule.

Live Chat & WhatsApp Support

Capital.com’s live chat is available 24/7 in English and during regional business hours in languages such as German, Spanish, Italian, Arabic, and Russian. Response times average under five minutes, making it one of the fastest live chat experiences in the industry. Additionally, WhatsApp support is available for those who prefer mobile-based messaging, offering quick access to basic assistance and account-related queries.

Email Support

Traders can reach out to Capital.com via email at support@capital.com. The broker generally responds within 12 to 24 hours, with most inquiries answered in under 13 hours. Email support is ideal for more complex questions that may require detailed follow-up or documentation.

Phone Support

Capital.com provides direct phone support through region-specific numbers, including lines in the UK (+44 203 769 3577) and UAE (+971 4 576 8641). Phone queries are typically answered within one minute, and support agents are known for their professionalism and ability to resolve issues promptly.

Help Center & Ticket System

The broker maintains an extensive Help Center filled with FAQs, platform tutorials, deposit and withdrawal guides, and regulatory information. When live support is unavailable or additional verification is required, users can also submit a support ticket through the website.

User Feedback

Capital.com has received strong reviews on platforms like Trustpilot (4.5★ from 12,600+ reviews) and BrokerChooser. Users frequently commend the platform’s quick response times, especially on chat and phone channels. However, a few reviews mention delays for complex issues or during peak trading periods. Still, most feedback is positive, especially for onboarding, funding issues, and platform navigation support.

Capital.com provides a flexible range of trading platforms designed to accommodate traders of all experience levels. Whether you prefer simplicity, mobility, automation, or technical precision, Capital.com has a platform to match your trading style. Its platform ecosystem is built with an emphasis on intuitive user experience, advanced tools, and seamless connectivity.

Web Platform

The proprietary web platform is browser-based and requires no installation, making it ideal for traders who value convenience and performance. It features a modern and highly intuitive interface, integrated TradingView charts with advanced drawing tools, over 75 technical indicators, and real-time price alerts. The platform also includes an in-built economic calendar and breaking news via Newsquawk. One-click trading functionality and customizable watchlists enhance speed and control, making it a solid choice for both new and experienced traders.

Mobile App

The Capital.com mobile app is available on iOS and Android and has received high ratings for its clean design and ease of use. It includes over 100 technical indicators, real-time market updates, in-app education, and seamless trade execution with biometric login options. Users can set smart alerts for price movements and market news, making it highly responsive for intraday opportunities. Whether you’re commuting, traveling, or away from your desk, the app ensures you never miss a trade.

MetaTrader 4 (MT4)

Capital.com supports MetaTrader 4 (MT4), a globally popular platform known for its depth and customizability. MT4 offers multi-window charting, backtesting capabilities, and automated trading through Expert Advisors (EAs). Traders can develop and deploy their own strategies, use custom indicators, and run scripts for precision execution. It also supports multiple order types and advanced risk management tools, making it the platform of choice for algorithmic and professional traders.

TradingView Integration

Capital.com provides full integration with TradingView, one of the most powerful and popular charting platforms worldwide. Traders can log in using their Capital.com credentials and place trades directly from the TradingView interface. This integration opens access to a vibrant trading community, unique custom indicators, and highly advanced technical analysis features. It’s a favorite among traders who want cutting-edge charting while keeping their execution smooth and intuitive.

Capital.com’s platform offerings combine performance, versatility, and professional-grade features, allowing traders to operate seamlessly across devices and strategies. Whether you’re charting on TradingView, automating through MT4, or executing quick trades on mobile, Capital.com ensures a reliable and enriching trading experience.

Capital.com offers a broad range of CFD instruments, allowing traders to access global markets without owning the underlying assets. Whether you’re trading currencies, stocks, indices, commodities, crypto, ETFs, or futures, the platform provides leveraged exposure and seamless execution across its web, mobile, MT4, and TradingView interfaces.

Forex

You can trade over 120+ currency pairs, including majors, minors, and exotics, with tight spreads and high liquidity on a 24/5 CFD market.

Shares

Access CFDs on over 4,000 global stocks, such as Tesla, Apple, and Meta, with extended trading hours and no-commission pricing.

Indices

Trade major global indices like US 500, UK 100, Germany 40, Japan 225 via CFDs, gaining diversified exposure to entire markets rather than single stocks.

Commodities

Include energy (oil, gas), metals (gold, silver), and agricultural items — all offered as CFDs for long or short positions with leverage.

Cryptocurrencies

Explore 400+ crypto CFDs, including Bitcoin, Ether, Cardano, and Dogecoin, available 24/7 on the platform.

ETF CFDs

Trade ETFs tracking indices, sectors, and commodities, all structured as CFDs with leveraged exposure and zero commission.

Futures-based CFDs

Engage with rolling CFD instruments derived from futures—such as volatility, carbon, and commodities futures—without managing contract expiry.

Capital.com’s instrument offering is designed to meet the needs of traders across all styles and asset preferences. With its CFD-only structure and global coverage, the platform ensures flexibility, accessibility, and a user-friendly trading experience.