Capital.com Review 2026: Fees, Stocks, CFDs and Platforms
Capital.com offers real shares and ETFs, CFDs and knock-out options on more than 5,500 markets in one app. EU clients are served by two Cypriot investment firms supervised by CySEC: Capital Com SV Investments Limited (licence 319/17) and Capital Com Group Ltd (licence 463/25).
In short: Capital.com is a convenient platform with no commission on CFDs, no deposit or withdrawal fees, a low entry threshold (from €20) and a choice of platforms: its own app, MT4, MT5 and TradingView. Watch the currency conversion fee — 0.7% on CFDs in a currency other than your account’s (0.4% on shares) — and the high loss rate: between 74% and 89% of retail accounts lose money on CFDs. We checked Capital.com’s EU website on 25 October 2026.
| Capital.com at a glance | Checked 25 Oct 2026 |
|---|---|
| Companies for EU clients | Capital Com SV Investments Ltd — CySEC 319/17; Capital Com Group Ltd — CySEC 463/25 |
| CFD risk warning | Between 74-89% of retail investor accounts lose money when trading CFDs. |
| Products | shares and ETFs (asset ownership), CFDs, knock-out options — 5,500+ markets |
| CFD commission | none — cost in the spread, plus overnight funding |
| Currency conversion | 0.7% (CFDs, retail); 0.4% (shares) |
| Minimum deposit | 20 USD/EUR/GBP (bank transfer: €50) |
| Deposits and withdrawals | no fees; minimum card withdrawal 20 EUR/USD |
| Platforms | web platform, mobile app, MT4, MT5, TradingView |
? Table of Contents
- 1. Is Capital.com safe?
- 2. Fees and costs
- 3. Shares, CFDs and knock-out options
- 4. Platforms
- 5. Pros, cons and verdict
- 6. Alternatives
- 7. How to open a Capital.com account — step by step
- 8. What trading with Capital.com really costs
- 9. Withdrawing money from Capital.com — how it works
- 10. Capital.com compared with other brokers
- 11. Leverage and client protection in the EU (ESMA)
- 12. Tax on profits from Capital.com
- 13. Glossary: terms to know before opening a Capital.com account
- 14. FAQ
1. Is Capital.com safe?
Yes. EU clients are served by Cypriot investment firms Capital Com SV Investments Limited (CySEC 319/17) and Capital Com Group Ltd (CySEC 463/25), passported across the EU under MiFID II.
- Cyprus Investor Compensation Fund covers eligible clients of CySEC-licensed firms (up to €20,000).
- Negative balance protection and ESMA leverage limits for retail CFD clients.
- Knock-out options have a maximum loss defined before you open the position.
Between 74-89% of retail investor accounts lose money when trading CFDs.
2. Fees and costs
| Fee | Capital.com (EU) |
|---|---|
| Account opening, closing, demo | free |
| CFD commission | none |
| Spread | variable |
| Overnight funding | on leveraged CFD positions held overnight |
| Currency conversion — CFDs | 0.7% (retail), 0.5% (Pro) |
| Currency conversion — shares | 0.4% |
| Guaranteed stop | fee if triggered, shown before opening |
| Deposits and withdrawals | free; minimum deposit 20 USD/EUR/GBP (bank transfer €50) |
3. Shares, CFDs and knock-out options
- Shares and ETFs with ownership of the underlying assets.
- CFDs on forex, indices, shares, commodities, crypto, bonds and interest rates — leverage up to 1:30 for retail clients.
- Knock-out options with a known maximum loss.
- 5,500+ markets in total; demo and Pro accounts.
4. Platforms
- Capital.com web platform and mobile app.
- MetaTrader 4 and MetaTrader 5.
- TradingView.
5. Pros, cons and verdict
✅ Capital.com pros
- Two CySEC licences; negative balance protection.
- Shares, ETFs, CFDs and knock-out options in one account.
- No CFD commission and no payment fees.
- Low minimum deposit (€20).
- Own app, MT4, MT5 and TradingView.
❌ Capital.com cons
- 0.7% conversion on CFDs in another currency.
- Variable spreads only — no raw-spread commission account.
- Between 74% and 89% of retail CFD accounts lose money.
ForexRev verdict
Capital.com is a polished, EU-regulated broker for traders and investors who want shares and CFDs in one place without commissions or payment fees. Opening an account in the currency of the instruments you trade helps reduce conversion costs.
Between 74-89% of retail investor accounts lose money when trading CFDs.
6. Alternatives
- XTB — 0% commission on stocks and ETFs up to €100,000 a month.
- Plus500 — simple CFD app.
- FxPro — MT4, MT5, cTrader and TradingView.
7. How to open a Capital.com account — step by step
- Register on the Capital.com website — EU clients should be served by an EU company: Capital Com SV Investments Ltd — CySEC 319/17. Check the company name in your client agreement before depositing.
- Enter your personal details and complete the questionnaire. Before offering CFDs, an EU broker must assess your knowledge and experience (the MiFID II appropriateness test) and warn you if CFDs are not appropriate.
- Verify your identity with a passport or ID card and a proof of address (e.g. a utility bill or bank statement), as required by anti-money-laundering rules.
- Choose the account type and base currency. An account in the currency you deposit in saves conversion costs.
- Fund the account — minimum deposit according to the broker: 20 USD/EUR/GBP (bank transfer: €50). Deposits are accepted only from accounts or cards in your own name; available methods: no fees.
- Install the platform (web platform, mobile app, MT4, MT5, TradingView) or log in via your browser. Practise on a demo account first, if the broker offers one.
8. What trading with Capital.com really costs
Below are the costs from the summary table above — taken from Capital.com’s website and documents when we updated this review:
- CFD commission: none — cost in the spread, plus overnight funding
- Deposits and withdrawals: no fees; minimum card withdrawal 20 EUR/USD
How to work it out: on EUR/USD one pip on a 1-lot position (€100,000) is worth about $10, so a 1-pip spread costs about $10 when you open the trade. A commission quoted “per lot per side” is charged twice — on opening and on closing. Add overnight swaps for every night the position stays open and any currency conversion if your account currency differs from the instrument’s. On 0.1 lot all these amounts are ten times smaller.
9. Withdrawing money from Capital.com — how it works
You request a withdrawal in the client area. Under anti-money-laundering rules, funds usually go back via the method used to deposit (e.g. to the card up to the amount deposited by card) and only to an account or card in your own name. The first withdrawal may require full account verification, so upload your documents right after registering. Only free funds that are not used as margin can be withdrawn.
10. Capital.com compared with other brokers
For comparison, here is Capital.com next to other brokers whose reviews we updated in October 2026. Figures come from their summary tables — see the full reviews for details.
| Broker | Company / regulator | Minimum deposit | Inactivity fee |
|---|---|---|---|
| Capital.com | Capital Com SV Investments Ltd | 20 USD/EUR/GBP (bank transfer: €50) | — |
| Pepperstone | Pepperstone EU Limited (Cyprus) | €10 (cards, Apple Pay, Google Pay, PayPal) | none |
| Admirals | Admirals Europe Ltd (Limassol, Cyprus) | Trade and Zero: €100 / $100 | €10 per month after 24 months without trading (positive balances only) |
| FOREX.com | StoneX Europe Ltd (Nicosia, Cyprus) | 100 units of the account currency | €15 per month after 12 months without trades or open positions |
| Dukascopy | Dukascopy Europe IBS AS (Riga, Latvia) | $100 | up to €50 per 180 days without trading (after the first 180 days) |
11. Leverage and client protection in the EU (ESMA)
As an EU investment firm, Capital.com applies the restrictions introduced by ESMA and adopted permanently by national regulators to retail clients:
- leverage up to 1:30 on major currency pairs, 1:20 on other pairs, gold and major indices, 1:10 on other commodities and indices, 1:5 on shares and 1:2 on crypto;
- margin close-out at 50% of required margin;
- negative balance protection — retail clients cannot lose more than they deposited;
- a ban on bonuses and trading incentives for retail CFD clients;
- a mandatory risk warning with the share of losing retail accounts — for Capital.com: Between 74-89% of retail investor accounts lose money when trading CFDs.
Higher leverage is only available to professional clients who meet the MiFID II criteria — at the cost of some protections, including negative balance protection.
12. Tax on profits from Capital.com
Tax treatment depends on your country of residence. Capital.com generally does not file tax returns for you, so keep the annual statement of trades from the client area. For Polish residents: profits from a foreign broker are reported in the PIT-38 return (19% tax), with foreign-currency amounts converted at the National Bank of Poland average rate from the business day before each trade.
13. Glossary: terms to know before opening a Capital.com account
- Spread — the difference between the buy and sell price, paid on every trade.
- Pip — the smallest typical price move of a currency pair (0.0001 for EUR/USD).
- Lot — the standard position size: 1 forex lot is 100,000 units of the base currency; 0.01 lot (micro lot) is 1,000.
- Commission — a fixed fee per trade, usually on raw-spread (ECN/Raw) accounts.
- Swap — the daily cost or credit for holding a position overnight, based on the interest-rate differential.
- Margin — the part of the position value set aside as collateral; at 1:30 leverage about 3.33% of the position.
- Margin call and stop out — a warning and automatic closing of positions when equity falls relative to required margin.
- Slippage — execution at a different price than requested, common around news releases and price gaps.
14. FAQ – Frequently Asked Questions
Is Capital.com safe?
What is the minimum deposit at Capital.com?
Does Capital.com charge commission?
Can I buy real shares at Capital.com?
How do I open a Capital.com account?
What leverage does Capital.com offer?
How are profits from Capital.com taxed?
?️ How we checked this review
On 25 October 2026 we checked Capital.com’s EU website: fees for shares and for CFDs and knock-out options, the legal notice of its companies, the risk warning and available platforms.
Risk warning: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 74-89% of retail investor accounts lose money when trading CFDs. The value of shares and ETFs can fall. This review is for information only and is not investment advice or a recommendation.
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