The Capital.com Decision Map
| Decision Question | FxFind Finding |
|---|---|
| Main reason to consider it | Commission-free access to a range of CFD markets, with proprietary, MT4 and TradingView platform options. |
| Main limitation | Costs may include overnight funding and a 0.7% currency-conversion fee; protections and leverage depend on entity and client status. |
| Most natural fit | Newer and active retail traders seeking commission-free CFDs and cryptocurrency markets. |
| Relevant account/platform setup | CFD, 1X and eligible UK spread-betting accounts; proprietary web/app, with MT4 and TradingView available for specified setups. |
| FxFind Rating | 9.11/10 |
View the FxFind rating breakdown
| Category | Score |
|---|---|
| Trust and Safety | 8.9 |
| Fees and Commissions | 10.0 |
| Deposits and Withdrawals | 9.0 |
| Tradable Instruments | 9.0 |
| Setup | 9.0 |
| Account Opening | 9.5 |
| Customer Support | 8.5 |
| Trading Conditions | 9.0 |
| Market Research and Education | 9.0 |
The main consideration is whether commission-free access and platform choice outweigh the funding costs and entity-specific protections that apply to your account.
Pros
-
No trading commission; spreads float and vary by instrument.
-
Access to Capital.com's proprietary web and mobile platforms, MT4 and TradingView.
-
Retail client funds are segregated, and negative balance protection applies to standard retail accounts.
Cons
-
Overnight funding may apply to leveraged positions, and currency conversion costs 0.7%.
-
Leverage, product access and investor protections depend on the contracting entity and client classification.
-
Capital.com does not provide its own VPS hosting.
Capital.com by Client Region and Legal Entity
Legal Entities by Client Region
| Client Location / Group | Contracting Entity | Regulator | Licence | What Changes for the Client |
|---|---|---|---|---|
| Australia | Capital Com Australia Pty Ltd | ASIC | AFSL 513393 | Australian retail CFD rules apply to retail clients, including leverage limits, margin close-out and negative-balance protections; treatment differs for professional clients. |
| EEA / Cyprus | Capital Com SV Investments Limited | CySEC | 319/17 | The Cyprus/EEA MiFID framework applies. Retail leverage and product rules, investor-protection arrangements and complaint routes differ from those of offshore entities; compensation eligibility depends on the entity and client. |
| United Kingdom | Capital Com (UK) Limited | FCA | 793714 | The UK FCA framework applies, including retail-client leverage and product rules, client-money safeguards, and complaint or compensation routes. Eligibility rules apply. |
| International / Bahamas entity (subject to exclusions) | Capital Com Online Investments Ltd | SCB (Bahamas) | SIA-F245 | The Bahamas framework applies. UK, EU and Australian retail protections and compensation schemes do not automatically apply; leverage, products and dispute routes may differ. |
Protection by Entity
Capital.com segregates retail client funds from its corporate funds. Eligible UK retail clients may be covered by the FSCS up to £85,000, while eligible EU clients may be covered by the ICF up to €20,000. Additional private insurance is described for eligible EU clients above that initial limit, up to €1,000,000, and for clients onboarded through the Bahamas entity, up to $1,000,000. Eligibility and coverage depend on jurisdiction and client status, so these arrangements do not apply uniformly. Standard retail accounts have negative balance protection. Professional clients may lose certain regulatory protections, including negative balance protection.
Corporate Transparency and Ownership
Founded in 2016, Capital.com is privately held and is not publicly traded.
Trading Costs by Account and Instrument
Representative Trading Costs
Capital.com charges no trading commission. The spreads below are broker-reported averages; they float by instrument and are not guaranteed fixed rates.
| Instrument | Spread Basis | Commission | Important Condition |
|---|---|---|---|
| EUR/USD | Broker-reported average: 0.7 pips | No commission | Floating spread; overnight funding may apply to leveraged positions. |
| GBP/USD | Broker-reported average: 0.9 pips | No commission | Floating spread; overnight funding may apply to leveraged positions. |
| Gold (XAU/USD) | Broker-reported average: 0.32 points | No commission | Floating spread; overnight funding may apply to leveraged positions. |
| S&P 500 CFD | Broker-reported average: 0.6 points | No commission | Floating spread; overnight funding may apply to leveraged positions. |
The 1X account uses the same quoted market-spread framework as the leveraged product, but has no leverage or overnight funding. The figures above are averages for the named instruments, not separate quotes for each account type.
Costs Outside the Trade
| Trader Behavior | Possible Cost | Broker Rule |
|---|---|---|
| Holding a leveraged position overnight | Overnight funding adjustment | Applies to leveraged positions. The amount depends on the instrument, trade direction, prevailing rates and the position’s nominal exposure. Positions closed before market close on the same day do not incur the adjustment. |
| Trading an asset denominated in a currency different from the account’s base currency | 0.7% currency-conversion fee | Applied as a markup on the prevailing spot exchange rate. Multiple currency sub-accounts can help match the account currency to the markets traded. |
| Depositing or withdrawing | No broker fee | Capital.com charges no deposit or withdrawal fee; a bank, card issuer or payment provider may charge separately. |
| Leaving an account inactive | No inactivity fee | No inactivity fee is charged. |
For leveraged traders, holding time and currency mismatch are the main costs beyond the spread. Same-day trading avoids overnight funding; the 1X account removes leverage and overnight funding but retains the quoted spread framework.
Key Trade-Offs to Consider
Commission-free trading still has spread and holding costs
Capital.com charges no trading commission, but floating spreads remain part of the trade cost. Leveraged positions may also incur overnight funding, so holding time matters for traders who keep CFDs open beyond the trading day.
Platform choice comes with different automation boundaries
Capital.com offers a proprietary platform, MT4 and TradingView. MT4 supports Expert Advisors in its desktop/VPS environment. TradingView strategy orders, by contrast, are evaluated by its broker emulator; a Pine strategy alone does not provide universal unattended live execution. Automated traders need to account for this distinction, and Capital.com does not supply its own VPS.
Higher leverage can mean fewer protections
Retail leverage is capped under applicable rules, while eligible professional clients can access higher limits. Professional status can also mean giving up protections such as negative balance protection. Those considering professional classification should weigh the higher leverage against the retail safeguards they would relinquish.
Build a Trading Setup
Account and Platform Compatibility
| Account | Compatible Platforms | Pricing Model | Automation | Important Constraint | Natural Use Case |
|---|---|---|---|---|---|
| 1X | Capital.com web and app | 1:1 exposure; same quoted market-spread framework as the leveraged product; no overnight funding. | No separate user-programmable automation engine is documented for 1X; trading uses Capital.com’s web/mobile platform and integrated tools. | No leverage; an exposure cap applies. | Trading without leverage or overnight funding. |
| CFD | Capital.com web/app; TradingView and MT4 where available | No trading commission; dynamic, instrument-specific spreads; overnight funding may apply to leveraged positions. | MT4 Expert Advisors; TradingView alerts, Pine strategies and webhooks with a compatible execution route; API trading is also supported. | UK/EU retail leverage is up to 1:30; limits depend on entity elsewhere. Currency conversion can add a 0.7% fee. | Retail CFD trading across the offered markets, including setups using MT4 or TradingView. |
| Spread Betting | Capital.com web and app | Dynamic, instrument-specific spreads; UK retail leverage is subject to regulatory caps. | No separate user-programmable automation engine is documented for the proprietary spread-betting platform. | Available to eligible UK clients. | Spread betting for eligible UK clients. |
Platform-Specific Differences
| Platform | Web | Desktop | Mobile | Automation | Main Limitation |
|---|---|---|---|---|---|
| TradingView | Yes | Yes — desktop app | Yes — iOS/Android | Partial — Pine strategies, server-side alerts and webhooks; direct unattended live execution requires a compatible broker/API/bridge. | TradingView strategy orders are evaluated by its broker emulator; a Pine strategy alone is not universal live broker auto-execution. |
| MetaTrader 4 | Yes — MetaTrader 4 WebTrader | Yes — desktop terminal | Yes — iOS/Android | Yes — Expert Advisors (MQL4) on the desktop/VPS environment. | Full MQL4/EAs/custom-script functionality is desktop/VPS-centric; browser and mobile clients do not provide the full desktop automation environment. |
Capital.com also offers a proprietary web and mobile platform with integrated charting, TradingView integration and AI-powered analysis of trading history. Its API supports REST and WebSocket connections, with a limit of 10 requests per second. The broker does not provide in-house VPS hosting, so continuous MT4 automation requires a third-party VPS.
Practical Setup Assessment
- Manual trading: Use the proprietary web or mobile platform, or connect TradingView for chart-led trading.
- Automated trading: MT4 supports EAs on desktop or a VPS; API users can build automated order flows, subject to the 10-requests-per-second limit.
- Copy trading: Capital.com has no native copy-trading tool. MT4 Signals or TradingView alert-to-trade functionality offer third-party routes, subject to their own setup requirements.
Trading Conditions and Position Management
Entering the Market
Capital.com primarily operates as a market maker. It acts as the counterparty to retail trades by default and hedges large or excess positions with external liquidity providers. Retail orders are processed through automated internal systems. Fast or thin markets can cause slippage, meaning the execution price may differ from the requested price; guaranteed stop-loss orders are available for a fee.
Position sizing is flexible rather than tied to one fixed lot structure. Minimum trade sizes vary by market: forex is typically 100 or 500 base-currency units, cryptocurrency is 0.01 units, and shares, commodities and indices are 0.1 units or contracts.
Leverage
| Market | Maximum Retail Leverage | Professional / Other Eligible Leverage | What Determines It |
|---|---|---|---|
| Forex | 1:30 | 1:500 | Asset and client classification; cited UK schedule. The maximum can fall at larger position sizes, during volatility or news, or under another legal entity. |
| Indices | 1:20 | 1:500 | Asset and client classification; cited UK schedule. The maximum can fall at larger position sizes, during volatility or news, or under another legal entity. |
| Commodities | 1:20 | 1:500 | Asset and client classification; cited UK schedule. The maximum can fall at larger position sizes, during volatility or news, or under another legal entity. |
| Stocks | 1:5 | 1:33 | Asset and client classification; cited UK schedule. The maximum can fall at larger position sizes, during volatility or news, or under another legal entity. |
| Bonds | - | - | Not offered. |
| Cryptocurrencies | 1:2 | 1:100 | Crypto access varies by entity and jurisdiction. The maximum can fall at larger position sizes, during volatility or news, or under another legal entity. |
| Other | N/A | N/A | Not applicable for the stated market/status. |
Margin Calls and Stop-Outs
The stated margin call level is 100%, and the stop-out margin level is 50%.
Trading Restrictions
| Trading Activity | Status | Important Conditions |
|---|---|---|
| Scalping | Allowed | Retail leverage limits still apply; overnight funding can apply if a position remains open past market close. |
| Hedging | Allowed | Hedging Mode lets opposing positions run independently. By default, an opposing trade can close or reduce an existing position. |
| News trading | Allowed | Market news is integrated into the platform; slippage can occur in fast or thin markets. |
| API trading | Supported | REST and WebSocket are supported, with a maximum of 10 requests per second. |
| Copy trading | No native tool | Third-party routes include MT4 Signals and TradingView alert-to-trade functionality. |
Tradable Markets: Range and Restrictions
| Asset Class | Approx. Instruments | What Is Notable | Main Restriction / Gap |
|---|---|---|---|
| Forex | 147 | Margin FX trading; swaps may apply | Maximum can fall at larger position sizes, during volatility/news, or under another legal entity. |
| Indices | 48 | Cash- and futures-referenced index derivatives | Maximum can fall at larger position sizes, during volatility/news, or under another legal entity. |
| Commodities | 83 | Spot- and futures-referenced commodity derivatives | Maximum can fall at larger position sizes, during volatility/news, or under another legal entity. |
| Stocks | 5100 | Share CFDs; no ownership or voting rights | Maximum can fall at larger position sizes, during volatility/news, or under another legal entity. |
| Bonds | Not Offered | - | - |
| Cryptocurrencies | 553 | Crypto access varies by entity and jurisdiction | Maximum can fall at larger position sizes, during volatility/news, or under another legal entity. |
| Other | 120 | ETFs, futures, options and other markets | Instrument availability, leverage and contract terms can vary by account, legal entity and jurisdiction; check the current product specification. |
Share exposure is through CFDs, not direct share ownership, so it carries no voting rights. Crypto availability depends on entity and jurisdiction; asset counts do not guarantee that every market is available to every client.
Opening, Funding, and Withdrawing From an Account
Account Opening and Verification
Capital.com requires identity and address verification before clients can fund an account or trade. Verification requires a government-issued photo ID and recent proof of address, such as a utility bill or bank statement issued within the previous three to six months. Documents can be uploaded through the platform or mobile app; review typically takes from a few hours to 48 hours.
Capital.com restricts clients in numerous jurisdictions, including the United States, Canada, India, Japan, New Zealand, Russia and South Africa. The full list is broader, and eligibility depends on the client's residence and the entity serving the account.
Deposit Methods
| Method | Deposit Minimum | Broker Fee | Expected Arrival | Important Restriction |
|---|---|---|---|---|
| Airtel | $20 | No broker deposit fee | Immediate | Available only in supported Airtel Money markets. An eligible local mobile-money account and account verification may be required. |
| Apple Pay | $20 | No broker deposit fee | Immediate | Requires a supported Apple device, eligible card and supported country or region. Availability also depends on the broker's payment provider. |
| Google Pay | $20 | No broker deposit fee | Immediate | Requires a supported device or country and an eligible card or bank account. Availability depends on the issuer and the broker's payment provider. |
| Maestro | $20 | No broker deposit fee | Immediate | Only existing Maestro cards may still be available, and acceptance can be limited. No new Maestro cards have been issued in Europe since July 2023. |
| Mastercard | $20 | No broker deposit fee | Immediate | Your card must support online payments and be accepted by the broker. Issuer, country, currency and authentication limits may apply. |
| Neteller | $20 | No broker deposit fee | Immediate | Requires an eligible NETELLER account. Country availability, account verification and transaction limits may apply. |
| Orange Money | $20 | No broker deposit fee | Immediate | Available only in supported Orange Money markets. An eligible local mobile-money account and applicable verification are required. |
| PayPal | $20 | No broker deposit fee | Immediate | Requires an eligible PayPal account in a supported country. Currency, account status and payment-feature availability may vary. |
| Skrill | $20 | No broker deposit fee | Immediate | Requires an eligible Skrill account. Country availability, account verification and transaction limits may apply. |
| Tether | $20 | No broker deposit fee | Immediate | USDT is available on multiple networks. Use only the exact network and address shown in the deposit instructions; a network mismatch may result in permanent loss. |
| Visa | $20 | No broker deposit fee | Immediate | Your card must support online payments and be accepted by the broker. Issuer, country, currency and authentication limits may apply. |
| Wire Transfer | $50 | No broker deposit fee | up to 3 business days | Use the exact beneficiary, bank details and payment reference provided. Intermediary bank fees, currency conversion and processing delays may apply. |
Withdrawal Methods
| Method | Withdrawal Minimum | Broker Fee | Expected Arrival | Important Restriction |
|---|---|---|---|---|
| Maestro | 20 GBP/USD/EUR | No broker fee, receiving bank/provider may charge | Usually handled within 24 hours; card settlement may take up to 5 business days | Legacy card brand; availability depends on the broker and issuer of the existing card. |
| Mastercard | 20 GBP/USD/EUR | No broker fee, receiving bank/provider may charge | usually processed within 24 hours; provider settlement may take up to 5 business days | Available only through supported card-payout or refund routes; issuer and regional restrictions apply. |
| PayPal | 20 EUR/USD/GBP (50 AUD in Australia) | No broker fee, receiving bank/provider may charge | usually processed within 24 hours; provider settlement may take up to 5 business days | Requires an eligible PayPal account; country, verification, currency and account limits apply. |
| Skrill | 20 EUR/USD/GBP | No broker fee, receiving bank/provider may charge | usually processed within 24 hours; provider settlement may take up to 5 business days | Requires an eligible Skrill account; verification, country and wallet limits apply. |
| Visa | 20 GBP/USD/EUR | No broker fee, receiving bank/provider may charge | usually processed within 24 hours; provider settlement may take up to 5 business days | Available only through supported card-payout or refund routes; issuer and regional restrictions apply. |
| Wire Transfer | method/account-currency limit shown at withdrawal | No broker fee, receiving bank/provider may charge | usually processed within 24 hours; bank settlement may take up to 5 business days | Enter bank, recipient and SWIFT/BIC details exactly; fees and processing delays may apply. |
Card and e-wallet deposits are typically credited immediately; bank wires can take up to three business days. Withdrawals are generally processed within 24 hours, with settlement taking up to five business days depending on the method. Capital.com charges no broker withdrawal fee, though banks and payment providers may charge their own fees.
Customer Support
| Route | Access | Hours | Human / Automated | Languages / Conditions |
|---|---|---|---|---|
| 24/7 | Human / agent-assisted | English; language coverage can vary by entity/region. | ||
| Live Chat | Live Chat | 24/7 | Human / agent-assisted | English; language coverage can vary by entity/region. |
| Phone | +44 2080893577 | 24/7 | Human / agent-assisted | English; regional numbers and languages can vary. |
| [email protected] | 24/7 | Human / agent-assisted | English; asynchronous, and verification may be required. |
Customer feedback often describes prompt responses and practical guidance. Other customers report unclear communication or difficulties with deposits and funding, although these concerns do not appear to dominate the reported experience.
Research, Trading Tools, and Education
| User Need | Available Resources | Provider | Access Requirement | Depth / Limitation |
|---|---|---|---|---|
| Market context and scheduled events | Market Analysis, Economic Calendar, Market News | Market Analysis: Capital.com (first-party). Economic Calendar: Capital.com; underlying calendar vendor not identified. Market News: Capital.com. | Access can vary by entity and platform; no universal public-versus-login rule is specified. | Commentary coverage and publishing frequency vary. The calendar covers scheduled events with actual, forecast and previous data, but not unscheduled news or every market-moving event. News coverage, latency and provider mix vary. |
| Positioning and chart review | Market Sentiment, Price Charts | Market Sentiment: Capital.com platform. Price Charts: TradingView / Capital.com. | Sentiment may require broker-platform access. TradingView chart trading requires a Capital.com account connected to a TradingView account. | Sentiment can be limited by sample size, source coverage and update cadence. Chart depth depends on timeframe, data feed and platform features. |
| Learning and risk management | Trading Essentials, risk-management material, market guides, courses, Investmate app and glossary | Capital.com | Access conditions are not stated as a single universal rule; availability may vary by account, platform, region or login status. | Resources cover trading concepts and risk management; availability and depth vary by resource. |
Who Capital.com Fits
| Trader Profile | Why It May Suit Them | Main Reservation |
|---|---|---|
| Newer retail CFD traders | The proprietary platform includes charting tools and AI-assisted analysis of trading history; Capital.com also offers educational materials and a demo account. | CFDs are leveraged products; overnight funding can apply, and retail leverage depends on the market and governing entity. |
| Active traders using several markets | Commission-free trading covers forex, shares, indices, commodities and cryptocurrencies, with floating spreads and flexible position sizing. | Spreads vary by instrument, and currency conversion or overnight funding can add costs. |
| Algorithmic traders using MT4 or an API | MT4 supports EAs on desktop/VPS, and Capital.com’s API supports REST and WebSocket connections. | Capital.com does not provide in-house VPS hosting; TradingView strategies alone do not provide universal unattended live execution. |
| UK clients considering spread betting or 1X trading | Eligible UK clients can access spread betting; the 1X account offers 1:1 exposure without overnight funding. | Spread betting is limited to eligible UK clients. The 1X account has an exposure cap and retains the quoted market-spread framework. |
Before you deposit
Key Conditions to Verify Before Funding
Contracting entity and protection Tap to read the check Tap to collapse
Identify the entity serving your account; leverage, product access, complaint routes and compensation eligibility differ by jurisdiction.
Deposit minimum by payment method Tap to read the check Tap to collapse
Card and e-wallet minimums are $20 for the listed payment routes, while wire transfer starts at $50; account and regional requirements can differ.
Currency conversion Tap to read the check Tap to collapse
A 0.7% conversion fee applies when trading an asset denominated in a currency different from your account’s base currency.
Overnight funding Tap to read the check Tap to collapse
Leveraged positions can incur overnight funding; the 1X account has no leverage and is exempt from overnight funding.
Country eligibility Tap to read the check Tap to collapse
Capital.com restricts clients in numerous jurisdictions, including the United States, Canada, India and Japan; confirm your country is eligible before registering.
FxFind's Assessment on Capital.com
Capital.com combines commission-free market access with a choice of platforms: clients can use its proprietary platform, while MT4 and TradingView offer alternatives for charting and automation. The market range also includes shares, indices, commodities and cryptocurrencies alongside forex. Commission-free trading is not cost-free: floating spreads remain, leveraged positions may incur overnight funding, and trading across currencies adds a 0.7% conversion fee. The legal entity serving an account also determines its protections, leverage and product rules.
This structure is relevant to retail traders seeking a broad CFD range who can manage holding costs and account-currency exposure. Those who require direct share ownership, broker-provided VPS hosting, or a uniform protection and leverage framework across jurisdictions may find the setup less suitable. Professional clients should also weigh higher leverage against the protections they relinquish.
Review method: FxFind’s assessment uses the broker’s product and account information, regulatory and licensing details, structured pricing and payment terms, platform and market data, and customer-support feedback. See the FxFind Broker Review Methodology for scoring criteria and weightings.
Questions Readers Usually Have About Capital.com
Does Capital.com charge commission on trades?
Capital.com charges no trading commission. Costs still include floating, instrument-specific spreads, and leveraged positions may incur overnight funding. A 0.7% currency-conversion fee applies when the traded asset is denominated in a currency different from the account’s base currency.
What is Capital.com’s minimum deposit?
The listed minimum is $20 for cards, e-wallets and mobile payment methods, and $50 for wire transfer. The minimum applicable to an account can differ by region and payment arrangement.
Which Capital.com entity will serve my account?
Capital.com has regulated entities in Australia, Cyprus, the United Kingdom and the Bahamas. The entity depends on the client’s location and eligibility, and determines the applicable regulatory framework, protections, leverage and product rules.
Can I use automated trading with Capital.com?
MT4 supports Expert Advisors on its desktop/VPS environment, and Capital.com supports REST and WebSocket API trading with a maximum of 10 requests per second. TradingView automation is partial: Pine strategies alone do not provide universal unattended live execution. Capital.com does not provide its own VPS hosting.
Does Capital.com offer native copy trading?
No. Capital.com does not have a native copy-trading tool. Third-party routes include MT4 Signals and TradingView alert-to-trade functionality, which require their own setup.
How long do Capital.com withdrawals take?
Withdrawals are usually processed within 24 hours, while settlement can take up to five business days depending on the payment method. Capital.com charges no withdrawal fee, but a receiving bank or provider may charge separately.
Does Capital.com offer negative balance protection?
Standard retail accounts have negative balance protection. Professional clients may give up this protection when electing professional status, alongside other regulatory safeguards.
Are all Capital.com markets available in every country?
No. Capital.com restricts clients in numerous jurisdictions, and cryptocurrency access varies by entity and jurisdiction. Product availability and leverage also depend on the account’s governing entity and client classification.