Capital.com review

Our rating

Capital.com scores 7.9 out of 10 on our table. That figure is an average of six things we assess, and it hides the shape of the broker: its strongest area is regulation at 9.6, its weakest is education at 5.5. Whether that gap matters depends entirely on which of the six you were going to use.

In its favour: low minimum deposit. Against it: limited advanced tools.

Regulation and safety9.6/10

Capital.com lists its authorisations as FCA (793714); ASIC (AFSL 513393); CySEC (319/17 and 463/25); Securities Commission of The Bahamas (SIA-F245); UAE Capital Market Authority (20200000176). That is a mixed structure, and the mix is the point: it holds at least one tier-one licence alongside offshore entities, and which one takes your account depends on where you live rather than on which you would prefer.

The licence that matters to you is the one held by the entity that opens your account, and at a multi-entity broker that is decided by your country of residence. Its registration can be checked directly on the FCA Financial Services Register, FRN 793714. It is a two-minute check and it is the only way to confirm that the firm taking your deposit is the firm named on the website.

Client money is held separately from the firm's own funds, with top-tier regulated banks - so that if the business fails, client balances are not part of what its creditors can reach. Negative balance protection applies to retail clients, so a gap through your stop cannot leave you owing the broker money.

On compensation: FSCS up to £85,000 for eligible UK clients; ICF up to €20,000 for eligible CySEC clients; additional private insolvency insurance up to €1 million for eligible EU clients. That covers the broker failing, not your trades losing money - the two are frequently confused and only one of them is insured.

Capital.com does not accept clients from Afghanistan, American Samoa, Bahamas, Barbados, Belarus, Belgium, Burkina Faso, Cameroon, Canada, Congo, Cuba, DR Congo, Eritrea, Gibraltar, Guam, Haiti, India, Indonesia, Iran, Iraq, Israel, Japan, Kosovo, Libya, Malaysia, Mali, Marshall Islands, Micronesia, Myanmar, New Zealand, North Korea, Northern Mariana Islands, Palestine, Palau, Philippines, Puerto Rico, Russia, Samoa, Senegal, Singapore, Somalia, South Africa, South Sudan, Sudan, Syria, Turkey, United States, Vanuatu, Venezuela, Yemen and other restricted territories. Restriction lists move, so confirm your own country before you spend time on an application.

What it costs to trade7.8/10

Capital.com advertises spreads from 0.6 pips. There is no separate commission on its standard pricing, so the whole of the broker's charge sits inside that spread - one number to think about, and no arithmetic at the end of the month. Put the two together and a EUR/USD round turn works out at approx. 0.6 pips, which is the figure worth comparing against other brokers.

An advertised minimum is the best price a broker has ever quoted, not the price you will get. On our record its measured average on EUR/USD is approx. 0.6 pips, and approx. 1.3 pips on GBP/USD. Spreads are variable, so they move with liquidity and widen around releases and the daily rollover.

Positions held overnight accrue a financing charge, which is irrelevant to a day trader and compounds for anyone holding for weeks. Currency conversion costs 0.7% retail / 0.5% professional where your account and the instrument use different currencies - worth avoiding by funding in the currency you intend to trade.

Platforms and tools9.1/10

Capital.com runs Capital.com Web Platform, Capital.com App, MetaTrader 4, MetaTrader 5, TradingView. Both MetaTrader versions are available, which matters more than it sounds: an expert advisor written for MT4 will not run on MT5, so a trader arriving with existing software needs the specific version it was written for. TradingView integration means you can analyse and execute in the same window rather than charting in one tool and trading in another.

Automation is supported: yes. There is API access (yes) for anyone connecting their own software. Copy trading is not offered.

Charting runs to 100+ on Capital.com app. Additional tools include TradingView, MetaTrader 4, MetaTrader 5. On mobile: both proprietary and third-party.

Markets, leverage and execution9.0/10

Capital.com covers Forex, Shares, Indices, Commodities, Cryptocurrencies, Bonds, Interest Rates. That comes to 4,500+ instruments in total. On the currency side specifically it lists 120+ pairs. Breadth is worth less than depth in the markets you actually trade - a hundred instruments priced well beats a thousand you will never open.

Leverage is capped at 1:30, which is the retail limit under tier-one regulation - a protection rather than a restriction. Our record for this broker reads "1:30 retail", and the difference between those figures is the entity you are onboarded to rather than anything you can choose. Whatever the headline, the number that governs your position is the margin requirement on the specific instrument - it is always lower on shares and crypto than on major currency pairs.

Execution is market maker / principal, meaning the broker is the counterparty to your trade rather than routing it to an external venue. It is a legitimate and very common model, and it is worth knowing which one you are dealing with. Measured speed is approx. 32ms. Its servers sit in global financial data-centre infrastructure, which is what determines latency more than any software choice.

Order types available: market, limit, stop, stop-loss, take-profit, trailing stop, guaranteed stop-loss. Stops and limits are table stakes; what separates platforms is whether the ones you rely on are there and how quickly they can be modified once a position is open.

Accounts

Account types run to CFD, Spread Betting, Professional, MT4, Demo. The minimum deposit is $10. The smallest position it will take is 0.01 lots equivalent / instrument-dependent, which is what actually governs how precisely you can size risk on a small account.

A demo account is available, which is the cheapest way to find out whether the platform suits you. Professional classification is available for clients who qualify, which lifts leverage caps and lowers the protections that come with retail status - a trade rather than an upgrade. Opening takes typically a few minutes.

Accounts can be denominated in USD, EUR, GBP, AUD, PLN. Funding in the currency you trade removes a conversion charge from every position, which is a small saving repeated indefinitely.

Deposits and withdrawals

Deposits can be made by Visa, Mastercard, bank transfer, Apple Pay, Google Pay, PayPal and regional payment methods. They clear in instant for cards and most digital wallets.

Withdrawals go out by bank transfer, cards, digital wallets and applicable original funding methods. Expect usually processed within 24 hours. The minimum withdrawal is $20. Check the withdrawal routes rather than the deposit ones. They are frequently not the same list, anti-money-laundering rules usually require funds to return the way they came, and the difference only becomes apparent at the point you want your money back.

Local payment methods include Apple Pay; Google Pay; PayPal and jurisdiction-specific bank/payment methods - which matters more than it looks if you are outside the broker's home market, since an international wire is slow and expensive compared with a domestic transfer.

Support and education6.4/10

Support runs 24/7. That is worth more than it sounds on a leveraged account: markets gap at inconvenient hours, and a position you cannot get help with is a position you carry until somebody answers. You can reach them by live chat, email, phone, support request. Live chat typically answers in under 2 minutes. Support is offered in multilingual.

Its education is substantial - Investmate, trading courses, educational articles, guides, videos, webinars and platform tutorials - which is the difference between a broker that will teach you and one that will simply take the deposit. Research output covers extensive: market analysis, news, technical/fundamental analysis, AI-powered tools, market insights and sentiment.

The company behind the brand

The company behind the brand is Capital Com (UK) Limited, registered as 10506220. It operates from London, United Kingdom. It has been trading since 2016, so there is about 10 years of record to look at.

It sits within Capital.com Group. It is privately held, so its finances are not published the way a listed group's are. Headcount is in the 700+ range.

You may also see it under Capital.com; Capital Com. Brands and legal entities rarely map one to one in this industry, and the name on the website is not always the name on the client agreement.