Capital.com review

Regulated by

FCA (793714); ASIC (AFSL 513393); CySEC (319/17 and 463/25); Securities Commission of The Bahamas (SIA-F245); UAE Capital Market Authority (20200000176)

Regulator tier

Tier 1

Register entry

FCA Financial Services Register, FRN 793714

Client money segregated

Yes

Held at

Top-tier regulated banks

Negative balance protection

Yes, retail clients

Compensation scheme

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

Audited by

Independent external auditors

Not available to

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

The licence is what decides where your money sits and who is obliged to do something about it.

Capital.com holds tier-one authorisations from ASIC, FCA and CySEC. That matters more than any headline spread: it determines your leverage cap, whether losses can exceed your deposit, and what happens to your money if the firm fails.

ASIC caps retail leverage at 1:30, requires negative balance protection, and obliges the broker to hold client money in a separate trust account.

The FCA caps retail leverage at 1:30, mandates negative balance protection, and covers eligible clients under the Financial Services Compensation Scheme.

CySEC licences passport across the EU and follow the 1:30 retail leverage cap, with the Investor Compensation Fund covering eligible claims.

Check the licence yourself: the FCA Register, ASIC Connect, the CySEC register of investment firms.

Legal entity

Capital Com (UK) Limited

Company number

10506220

Headquarters

London, United Kingdom

Founded

2016

Publicly listed

No

Parent company

Capital.com Group

Employees

700+

Also trades as

Capital.com; Capital Com

Spread from

0.6 pips

EUR/USD spread

Approx. 0.6 pips

GBP/USD spread

Approx. 1.3 pips

Commission

$0

All-in cost, EUR/USD

Approx. 0.6 pips

Spread type

Variable

Overnight swap

Both: overnight funding may be charged or credited

Currency conversion

0.7% retail / 0.5% professional

Cost is the last thing to weigh here, and never the thing that should decide it.

Spreads from 0.6 pips suggest an all-in account, where the broker's fee is built into the price rather than charged separately. There is usually no commission on top, which makes the cost easier to predict.

Quoted spreads are best-case figures on the most liquid pair, in normal conditions. What you actually pay widens around news and at the session open.

Capital.com lists a minimum deposit of $10. Treat it as the cost of opening an account, not the cost of trading one - position sizing on a small balance is what tends to cause damage.

Platforms

Capital.com Web Platform, Capital.com App, MetaTrader 4, MetaTrader 5, TradingView

Own platform

Yes

Mobile app

Both proprietary and third-party

Browser trading

Yes

Automated trading

Yes; MT4 Expert Advisors and automated strategies

Copy trading

No

Indicators

100+ on Capital.com app; additional indicators through TradingView and MetaTrader

Third-party tools

TradingView, MetaTrader 4, MetaTrader 5

API access

Yes

MetaTrader 4 remains the most widely supported platform for expert advisors. If you rely on an existing EA, this is usually the deciding factor.

MetaTrader 5 handles more asset classes and order types than MT4, but expert advisors are not compatible between the two - an MT4 EA will not run on it.

TradingView integration lets you trade from charts you may already use, removing the need to run a second platform for analysis.

Markets

Forex, Shares, Indices, Commodities, Cryptocurrencies, Bonds, Interest Rates

Currency pairs

120+

Total instruments

4,500+

Crypto CFDs

Yes

Maximum leverage

1:30

Execution model

Market maker / principal

Execution speed

Approx. 32ms

Order types

Market, limit, stop, stop-loss, take-profit, trailing stop, guaranteed stop-loss

Servers

Global financial data-centre infrastructure

Leverage is capped at 1:30, which is the retail limit under tier-one regulation. It is a protection rather than a restriction: it caps how quickly a position can move against your balance.

Capital.com covers forex, shares, indices, commodities, cryptocurrencies, bonds, interest rates. A wider range matters less than depth in the instruments you actually trade.

Funding options: visa, mastercard, bank transfer, apple pay, google pay, paypal and regional payment methods. Check withdrawal routes as well as deposit ones - they are often not the same, and the difference only becomes apparent when you try to take money out.

Minimum deposit

$10

Account types

CFD, Spread Betting, Professional, MT4, Demo

Account currencies

USD, EUR, GBP, AUD, PLN

Islamic account

No

Demo account

Yes

Professional account

Yes

Minimum trade size

0.01 lots equivalent / instrument-dependent

Time to open

Typically a few minutes

Deposit methods

Visa, Mastercard, bank transfer, Apple Pay, Google Pay, PayPal and regional payment methods

Withdrawal methods

Bank transfer, cards, digital wallets and applicable original funding methods

Deposit time

Instant for cards and most digital wallets; bank transfers typically 1-3 business days

Withdrawal time

Usually processed within 24 hours; receipt typically 1-5 business days depending on method

Minimum withdrawal

$20

Local payment methods

Apple Pay; Google Pay; PayPal and jurisdiction-specific bank/payment methods

Support hours

24/7

Contact channels

Live chat, email, phone, support request

Languages

Multilingual

Telephone

+44 20 8089 9989

Email

support@capital.com

Live chat response

Typically under 2 minutes

Education

Extensive: Investmate, trading courses, educational articles, guides, videos, webinars and platform tutorials

Research

Extensive: market analysis, news, technical/fundamental analysis, AI-powered tools, market insights and sentiment