Capital.com vs Plus500: Which Is Better in 2026?
Choosing between Capital.com and Plus500? Here is the short answer, then the full breakdown on fees, features, and who each one is best for.
Reviewed by Yaniv Barshaf, CPA · Fees verified 12 October 2026 · Our methodology
Disclosure: FeesWizard may earn a commission if you open an account through links on this page. This never affects our fee data or rankings — how we make money.
Capital.com: 65% of retail investor accounts lose money when trading spread bets and CFDs with Capital.com UK; 74% with Capital.com EU (CySEC).
Capital Com (UK) Limited is authorised and regulated by the Financial Conduct Authority (FRN 793714). Capital Com SV Investments Limited is authorised and regulated by the Cyprus Securities and Exchange Commission (Licence 319/17). Capital Com Online Investments Ltd is authorised by the Securities Commission of The Bahamas (SIA-F245).
Plus500: 76% of retail CFD accounts lose money.
Additional fees apply, including an Overnight Funding Fee, a Currency Conversion Fee, an Inactivity Fee, and a Guaranteed Stop Order (a wider spread is applied once used).
Plus500CY Ltd is authorized & regulated by CySEC (#250/14).
Best overall: Capital.com
Both are commission-free, spread-based CFD brokers, so cost is the deciding factor. Capital.com generally has tighter spreads, a low $20 minimum deposit, and — crucially — no inactivity fee, whereas Plus500 charges up to $10/month after just three months idle. Plus500's counterweight is its long track record and publicly listed parent. For lower ongoing cost, Capital.com; for an established name, Plus500. Both are CFD-only, not share-ownership platforms.
- Lower minimum deposit: Capital.com
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 65% of retail investor accounts lose money when trading spread bets and CFDs with Capital.com UK; 74% with Capital.com EU. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Capital.com vs Plus500 at a glance
| Feature | Capital.comCFD | Plus500CFD |
|---|---|---|
| Rating | 3.6 / 5 | 3.6 / 5 |
| Stock commission | No commission; cost is in the spread (from 0.6 pips on EUR/USD) | No commission, cost is in the spread |
| Withdrawal fee | Free; minimum 20 GBP/EUR/USD by card, varying by payment method (no minimum via TrueLayer in the UK) | Free — Plus500 charges no deposit or withdrawal fees; your own bank or card issuer may charge on international transfers or unsupported-currency conversions |
| Inactivity fee | None | Up to $10/month after 3 months without logging in |
| Min deposit | $20, €20 or £20 by card or Apple Pay ($50 by bank transfer) | set per payment method, shown in the platform's Funds Management screen (Plus500 publishes no single figure) |
| Fractional shares | No | No |
| Demo account | Yes | Yes |
| Regulators | FCA, CySEC, ASIC, SCB | FCA, CySEC, ASIC |
Pros and cons
Capital.com
Pros
- +Tight spreads, no commission
- +No inactivity, deposit or withdrawal fees
- +Low $20 minimum deposit
- +Well-regulated across multiple jurisdictions
Cons
- −CFD-only — no real share ownership
- −Overnight funding on positions held overnight
- −0.7% currency conversion fee
Plus500
Pros
- +User-friendly trading platform
- +Tight spreads on major instruments
- +Strong regulation
- +Free demo account
Cons
- −CFDs only — no real share ownership
- −Inactivity fee after just 3 months
- −Not suited for buy-and-hold investing
Capital.com
Best for low-cost CFD trading with tight spreads
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 65% of retail investor accounts lose money when trading spread bets and CFDs with Capital.com UK; 74% with Capital.com EU. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Frequently Asked Questions
Is Capital.com or Plus500 cheaper?
Withdrawals: Capital.com — Free; minimum 20 GBP/EUR/USD by card, varying by payment method (no minimum via TrueLayer in the UK); Plus500 — Free — Plus500 charges no deposit or withdrawal fees; your own bank or card issuer may charge on international transfers or unsupported-currency conversions. Trading commission: Capital.com — No commission; cost is in the spread (from 0.6 pips on EUR/USD); Plus500 — No commission, cost is in the spread. Your real cost depends on how often you trade and withdraw.
Is Capital.com safe?
Capital.com is regulated by FCA, CySEC, ASIC, SCB. Regulation does not remove investment risk, but it means client funds are subject to oversight in those jurisdictions.
Are Capital.com and Plus500 suitable for beginners?
Both are CFD brokers. CFDs are complex, leveraged products and the majority of retail accounts lose money trading them, so neither is a sensible starting point for a beginner, however simple the app. If you are new to investing, a share-dealing platform where you own the underlying shares is the usual place to start. Only trade CFDs with money you can afford to lose.
Capital.com
Best for low-cost CFD trading with tight spreads
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 65% of retail investor accounts lose money when trading spread bets and CFDs with Capital.com UK; 74% with Capital.com EU. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.