Is Capital.com Legit?
Capital.com is a legitimate CFD broker founded in 2016 and regulated by the FCA, CySEC, ASIC and the SCB. UK clients of its FCA-regulated entity are covered by the FSCS up to £85,000 for eligible claims. CFDs are complex instruments with a high risk of losing money rapidly due to leverage; the majority of retail investor accounts lose money (as of June 2026).
Reviewed by Yaniv Barshaf · Fees verified June 2026 · Our methodology
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Risk warning: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. The majority of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Who regulates Capital.com
Capital.com is a relatively young broker, founded in 2016, but it has built out a robust regulatory footprint. It is authorised and regulated by the UK's Financial Conduct Authority (FCA), the Cyprus Securities and Exchange Commission (CySEC), the Australian Securities and Investments Commission (ASIC) and the Securities Commission of The Bahamas (SCB). That combination spans multiple recognised regulators and means clients in different regions deal with a locally authorised entity. FCA authorisation in particular is a meaningful marker for UK traders, since it brings strict requirements on client-money segregation, capital adequacy, marketing conduct and reporting. For a broker of its age, this breadth of regulation is reassuring and places Capital.com firmly among the mainstream, accountable CFD providers rather than lightly supervised offshore operators.
How your money is protected
Regulated brokers must hold client money in segregated accounts, separate from the firm's own funds, so client balances are ring-fenced if the company fails. For UK clients, Capital.com's FCA-regulated entity falls under the Financial Services Compensation Scheme (FSCS), which covers eligible investment claims up to £85,000 per person, per firm, in the event of firm failure. Clients dealing through the CySEC-regulated entity fall under the Cyprus Investor Compensation Fund, which can pay eligible claims up to €20,000. As always, these schemes exist to address firm failure and shortfalls in segregated client funds; they do not compensate for money lost through trading. Confirm which entity holds your account, since the applicable compensation scheme follows the regulating entity you contract with (as of June 2026).
No dormancy or account fees
One of Capital.com's clearer advantages is its fee structure around account maintenance. It charges no inactivity fee, no deposit fee and no withdrawal fee. This compares favourably with several rivals: Plus500 charges up to $10 per month after three months without logging in, while AvaTrade charges $50 per quarter after three months of inactivity plus a $100 annual administration fee after twelve months. For a trader who wants to open an account and hold funds without worrying about it being eroded during quiet periods, the absence of any dormancy fee is a genuine practical benefit. It also lowers the friction of moving money in and out, since there is no charge on the deposit or the withdrawal itself.
What to watch on costs
No inactivity or transfer fees does not mean trading is free. Capital.com charges no commission, with its cost built into the spread, and spreads start from 0.6 pips on EUR/USD, which is competitive. However, two costs deserve attention. First, overnight funding applies to positions held open past the daily cut-off, accruing daily for as long as the position stays open, which makes CFDs unsuitable for long-term holding. Second, a currency conversion fee of 0.7% applies when you trade a market denominated in a currency other than your account's base currency. Neither is unusual for a CFD broker, but both can add up: overnight funding on longer-held positions and the 0.7% conversion charge on non-base-currency trades. Factor them into any assessment of the true cost of trading here (as of June 2026).
The underlying CFD risk
Regulation and compensation cover the risk that the firm fails; they do nothing to protect you from the market. This distinction is central to any honest safety assessment. CFDs are complex instruments with a high risk of losing money rapidly due to leverage, and the majority of retail investor accounts lose money. Leverage magnifies losses just as it magnifies gains, and it is entirely possible to lose money quickly even with a well-regulated, financially sound broker such as Capital.com. So when the question is whether Capital.com is legit, the answer has two parts: yes, the firm is genuine, FCA-regulated and transparent about its structure, but the CFD trading it offers is inherently high-risk and unsuitable for anyone who cannot afford to lose the money they put in.
The bottom line
Capital.com is a legitimate, well-regulated broker: authorised by the FCA, CySEC, ASIC and the SCB, with client funds segregated and UK clients covered by the FSCS up to £85,000 for eligible claims. Its standout practical advantages are competitive spreads from 0.6 pips and the complete absence of inactivity, deposit and withdrawal fees, with a low $20 minimum deposit. Watch overnight funding on longer-held positions and the 0.7% currency conversion fee on non-base-currency trades. Above all, CFDs are complex instruments with a high risk of losing money rapidly due to leverage; the majority of retail investor accounts lose money.
Capital.com
Best for low-cost CFD trading with tight spreads
Capital at risk. This is not financial advice. Investing involves risk of loss.
Frequently Asked Questions
Is Capital.com a legit and safe broker?
Yes. Founded in 2016, Capital.com is regulated by the FCA, CySEC, ASIC and the SCB, holds client funds in segregated accounts, and provides FSCS cover up to £85,000 for eligible UK clients if the firm fails. The CFD trading itself remains high-risk (as of June 2026).
Is Capital.com regulated by the FCA?
Yes. Capital.com's UK entity is authorised and regulated by the Financial Conduct Authority, which means UK clients are covered by the FSCS up to £85,000 for eligible investment claims if the firm fails. It is also regulated by CySEC, ASIC and the SCB.
Does Capital.com charge inactivity fees?
No. Capital.com charges no inactivity fee, no deposit fee and no withdrawal fee. This is more generous than Plus500's up to $10 per month or AvaTrade's $50 per quarter plus a $100 annual administration fee, and it lets you hold a dormant account without erosion.
What fees should I watch with Capital.com?
Two main costs: overnight funding, charged daily on positions held past the cut-off, which makes CFDs unsuitable for long-term holding; and a 0.7% currency conversion fee when trading markets in a currency other than your account's base currency. Spreads start from 0.6 pips with no commission.