Capital.com Holding Fee: Is There an Annual or Monthly Charge?
Capital.com does not charge an annual fee, a monthly account fee or an inactivity fee, and opening or closing an account is free. The only cost of holding a position is overnight funding, charged on leveraged CFD positions held overnight. It is built from a 4% annual platform fee, applied daily, adjusted by a benchmark interest rate. Buyers pay it; on a short position you can end up receiving it.
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).
No annual, monthly or inactivity fee
Capital.com's charges schedule lists opening an account, closing an account and using the demo account as free, and it lists no account-maintenance, monthly, annual or inactivity charge. That is a genuine difference from several rivals in the same category. Plus500 charges up to $10 a month after three months without logging in. AvaTrade charges 50 a quarter in your account currency after three months of non-use, plus a 100 annual administration fee after twelve months. Fortrade charges $10 a month after six months with no transactions. A Capital.com account left untouched is not billed for sitting idle.
How overnight funding works
When a leveraged CFD position is held overnight, Capital.com applies an interest adjustment made of two parts: its own daily fee and a benchmark interest rate for the currency of the market. The daily fee is 4% a year, divided by 365 days for GBP and similar currencies such as CAD and SGD, which is 0.01096% a day, and by 360 days for USD, EUR, CHF, JPY and similar currencies, which is 0.01111% a day. On a long position, meaning you bought, the charge is the benchmark plus the daily fee, and you pay it. On a short position, meaning you sold, it is the benchmark minus the daily fee. When the benchmark is higher than the fee, that difference is paid to you rather than charged.
A worked example, in Capital.com's own figures
Capital.com illustrates the calculation with 0.6 contracts of US Tech 100 at $20,140, a position worth $12,084. The benchmark, SOFR, is 5.01448% a year, or 0.01393% a day. For a long position the overnight rate is 0.01393% plus the 0.01111% platform fee, 0.02504%, so the buyer pays $3.03 for that night. For a short position it is 0.01393% minus 0.01111%, 0.00282%, so the seller receives $0.34. The long figure is the one to take seriously: it applies again every night the position stays open. At those rates, holding the same position for 100 nights costs about $303, or roughly 2.5% of its value, before any price move. That is why leveraged CFDs are built for short-term trading, not for holding.
When overnight funding does not apply
Unleveraged positions, opened at 1:1, are not subject to overnight funding at Capital.com, with a short list of exceptions where it still applies: Natural Gas, US Cocoa, the Volatility Index (VIX) and forex pairs that include the Turkish lira. If you want exposure you intend to keep for weeks rather than days, trading at 1:1 removes the overnight charge on most markets, although you give up the leverage that is the point of a CFD for many traders.
The other Capital.com costs worth knowing
There is no trading commission; the cost sits in a variable spread, from 0.6 pips on EUR/USD. A 0.7% currency-conversion fee applies for retail clients on markets denominated in a currency other than your account's, built into the exchange rate rather than shown as a separate charge. A guaranteed stop-loss costs nothing to set but carries a fee if it is triggered, which varies by market, price and position size and is shown on the deal ticket before you confirm. Deposits and withdrawals are free.
The bottom line
Capital.com charges nothing to hold an account: no annual, monthly or inactivity fee, which puts it ahead of Plus500, AvaTrade and Fortrade for anyone who trades occasionally. The cost that matters is overnight funding, and on a long leveraged position it adds up quickly enough that Capital.com is a tool for short-term trading, not for holding.
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
Does Capital.com charge an annual fee?
No. Capital.com's charges schedule lists no annual fee, no account-maintenance fee and no inactivity fee. Opening and closing an account are free.
Does Capital.com charge a monthly fee?
There is no monthly account fee. The only recurring cost is overnight funding, which accrues each night on leveraged CFD positions you keep open. With no open leveraged positions, nothing accrues.
How much is Capital.com's overnight fee?
A 4% annual platform fee, charged daily, adjusted by the benchmark interest rate for the market's currency. That is 0.01096% a day for GBP and similar currencies and 0.01111% a day for USD, EUR, CHF and JPY. Long positions pay the benchmark plus the fee; short positions get the benchmark minus the fee.
Can you receive overnight funding at Capital.com?
Yes, on a short position when the benchmark rate is higher than Capital.com's daily fee. In Capital.com's own US Tech 100 example, the buyer pays $3.03 for the night and the seller receives $0.34.
Is there an overnight fee on unleveraged positions?
Not on most markets. 1:1 positions are exempt from overnight funding, except on Natural Gas, US Cocoa, the VIX and forex pairs involving the Turkish lira.