Capital.com Review 2026
Capital.com is a CFD broker with tight spreads, no commission, and — unusually for the category — no inactivity or withdrawal fees. It is well-regulated and cheap to run for CFD traders, with a low $20 minimum deposit. As with all CFD brokers, you trade leveraged contracts on price movements rather than owning real shares.
Reviewed by Yaniv Barshaf, CPA · Fees verified 21 September 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: 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) Limited, and 74% lose money when trading CFDs with Capital Com SV Investments Limited, the EU entity; the international entity, Capital Com Online Investments Ltd, publishes 79.75%. 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 (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).
Our verdict on Capital.com
Capital.com is one of the lower-cost CFD brokers thanks to tight spreads and no dormancy fees — but like all CFD platforms it is built for short-term trading, not long-term investing.
Get started with Capital.comCFDs 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.
Fees
- Stock commission: No commission; cost is in the spread (from 0.6 pips on EUR/USD)
- Withdrawal: Free
- Inactivity: None
- Currency conversion: 0.7% markup when trading a market in a non-base currency
- Custody and spreads: Variable spreads on CFDs; overnight funding on held positions
Wondering how your money is protected? Read what happens if a broker goes bust →
Who Capital.com is best for
Capital.com suits cost-focused CFD traders who want tight spreads and no dormancy fees. It is not designed for long-term investors who want real share ownership and a buy-and-hold portfolio.
Capital.com fees in plain English
There is no commission — the cost is in the spread, from 0.6 pips on EUR/USD. There are no inactivity, deposit, or withdrawal fees. A 0.7% currency-conversion fee applies when you trade a market in a non-base currency, and positions held overnight incur overnight funding. The minimum deposit is just $10 by card (bank transfer $50).
Safety and regulation
Capital.com is regulated by the FCA, CySEC, ASIC, and the SCB, and has operated since 2016. As with any broker, regulation addresses counterparty risk, not the market risk you take on trades.
Important: CFDs carry high risk
CFDs are leveraged and high-risk, and a large majority of retail CFD accounts lose money. Capital.com is for short-term trading, not long-term investing. Only trade with money you can afford to lose, and be sure you understand how leverage works.
Our Capital.com score: 3.6/5
How this is calculated →Computed from the fee data on this page, not assigned by hand. Our commercial relationships are not an input.
- Cost (45% of the score)50/100
Spread-based pricing cannot be compared like-for-like with share-dealing fees, so this dimension is scored neutrally.
- Regulation & protection (20% of the score)100/100
Regulated by FCA, CySEC, ASIC, SCB. Tier-one regulators (FCA, BaFin, SEC and equivalents) carry the most weight.
- Market & account breadth (15% of the score)66/100
Covers 2 of the asset classes we price and 1 account type.
- Accessibility (10% of the score)70/100
Minimum deposit $20, €20 or £20 by card or Apple Pay ($50 by bank transfer); no fractional shares; has mobile app.
- Fee transparency (10% of the score)55/100
Prices through the spread, so the true cost is not published as a schedule.
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
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.
Capital.comfees & safety, in depth
Compare Capital.com head-to-head
Capital.com vs alternatives
| Feature | Capital.comCFD | Lightyear | Trading 212 |
|---|---|---|---|
| Rating | 3.6 / 5 | 5 / 5 | 4.9 / 5 |
| Stock commission | No commission; cost is in the spread (from 0.6 pips on EUR/USD) | UK personal accounts (GIA and ISA): no execution fee on UK, US and European stocks or ETFs. EU accounts: GBP 1 per order on UK stocks, EUR 1 per order on EUR-denominated stocks, 0.1% on other European stocks, and 0.10% (min $0.10, max $1) on US stocks. ETFs are execution-fee-free on both. | 0% |
| Withdrawal fee | Free | Free by local bank transfer. USD wire payments are charged (up to $8.50 UK, $6.11 EU). | Free |
| Inactivity fee | None | None | None |
| Min deposit | $20, €20 or £20 by card or Apple Pay ($50 by bank transfer) | None | £1 |
| Fractional shares | No | Yes | Yes |
| Demo account | Yes | No | Yes |
| Regulators | FCA, CySEC, ASIC, SCB | FCA, EFSA | FCA, CySEC |
Frequently Asked Questions
Is Capital.com safe and legit?
Capital.com is regulated by FCA, CySEC, ASIC, SCB and has operated since 2016. 65% of retail investor accounts lose money when trading spread bets and CFDs with Capital.com UK; 74% with Capital.com EU (CySEC).
What are Capital.com's fees?
Stock commission: No commission; cost is in the spread (from 0.6 pips on EUR/USD). Withdrawal: Free. Inactivity: None.
What is the minimum deposit for Capital.com?
The minimum deposit is $20, €20 or £20 by card or Apple Pay ($50 by bank transfer).
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.