Review of Capital.com

Capital.com gives users access to over 3,000 CFDs to trade, along with industry-leading artificial intelligence to help improve your skills as a trader. Find out all the details in this in-depth review.
By: Theodor Tonca
Theodor Tonca
Having worked for a decade as an analyst, investment partnership founder, and writer - Theodor is a keen sportsman. When not… read more.
Updated: Aug 31, 2021
4.5/5 Star rating
18 min read
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78.77% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you can afford to take the high risk of losing your money.

Capital.com was founded in 2017 and is headquartered in Cyprus. The CFD broker is regulated by several authorities, including the FCA in the UK and its local regulator in Cyprus – CySEC, while offering its services across the world.

The broker bills itself as a fintech company with AI technology powering its trading platform, which has won many industry awards from The European to BrokerCheck.eu. To date, it has served nearly 800,000 clients, who have traded more than $88 billion through its platform. This review will take you through all you need to know about Capital.com.

Pros & Cons

Pros:

Regulated by the FCA, NBRB, CySEC and ASIC
Low spreads, no commissions, and no deposit or withdrawal fees
Wide variety of CFDs across multiple asset classes with over 3,000+ overall

Cons:

What can I do with Capital.com?

Capital.com is a relatively new CFD broker offering 3,000 CFDs across multiple asset classes including forex (major and minor), stocks, indices, commodities, and cryptocurrencies. It is one of the first CFD brokers to integrate Artificial Intelligence (AI) into its trading platform, providing traders with in-depth analysis and insights to hone their strategies.

One can trade across all devices, and also invest on the go via the Capital.com mobile app. No commissions are charged and it offers low spreads, along with an impressively comprehensive educational section, all of which make it an all-round complete broker for beginners and professionals alike.

Capital.com markets, assets, and options

What assets and products can you trade on Capital.com?

Capital.com allows trading in over 3,000 CFDs across various asset classes. This includes major and minor forex pairs, shares, indices, commodities, and cryptocurrencies. Here’s a full breakdown of the tradeable CFDs on Capital.com:

Product (CFDs)Offering
Forex (Major and Minor)138
Stocks3,419
Indices26
Commodities35
Cryptocurrencies201
View all tradeable assets >

What leverage trading options are there?

Capital.com offers leveraged trading across all its products. Leverage starts from 1:30 for forex which is on the lower end for forex brokers, but leverage of up to 1:500 is available for professional accounts. 

Please note that leveraged trading is highly risky and is not recommended for beginners. Readers are recommended to use leverage with caution and to only invest what they can afford to lose. Here’s a summary of the leverage available on Capital.com for each asset type:

Product (CFDs)Maximum leverage (standard account)Margin
Forex (Major and Minor)1:303.33%
Stocks1:520%
Indices1:205%
Commodities1:1010%
Cryptocurrencies1:250%
See all available leverage trading options >

What are the spreads?

Capital.com offers floating spreads across all its account types. Like many other similar brokers, the platform charges no commissions and makes its money from spreads between the bid (buy) and ask (sell) prices on each asset, such as shares.

For example, on Capital.com EUR/USD has a bid of 1.12582 and an ask of 1.12650 which is a spread of 0.7 pips. So Capital.com sells at 1.12650 and buys at 1.12582 from traders, making the spread its profit. Here are the spreads you can expect:

ProductAverage spreadFixed or variable
Forex (Major and Minor)Starting from 0.6 pipsVariable
StocksStarting from 14 pipsVariable
IndicesStarting from 70 pipsVariable
CommoditiesStarting from 18 pipsVariable
CryptocurrenciesStarting from 34 pipsVariable
Lean more about Capital.com’s spreads >

Fees, limits, and payment options on Capital.com

What are the deposit and withdrawal fees, limits, and speeds?

Capital.com offers a wide range of deposit & withdrawal options and does not charge any fees for deposits and withdrawals. The individual payment service provider may charge for its services, however, so check before using any method to deposit money into your Capital.com account.

A minimum deposit of US$20 is mandatory for all payment types except wire transfer and bank transfer where minimum deposits are $250. Here’s a full breakdown:

Payment methodDepositWithdraw
Cards (Visa & MasterCard)
– min/max
– fees
– speed
Yes
20 USD, EUR, GBP/No Limit
Free
1-2 Business days
Yes
No limit
Free
2-3 Business days
Bank Transfer/Wire Transfer
– min/max
– fees
– speed
Yes
250 EUR/No Limit
Free
2-3 Business days
Yes
No limit
Free
4-5 Business days
Sofort
– min/max
– fees
– speed
Yes
20 USD, EUR, GBP/No Limit
Free
Instant
Yes
No limit
Free
1-2 Business days
iDeal
– min/max
– fees
– speed
Yes
20 USD, EUR, GBP/No Limit
Free
Instant
Yes
No limit
Free
1-2 Business days
Giropay
– min/max
– fees
– speed
Yes
20 USD, EUR, GBP/No Limit
Free
Instant
Yes
No limit
Free
1-2 Business days
Multibanko
– min/max
– fees
– speed
Yes
20 USD, EUR, GBP/No Limit
Free
Instant
Yes
No limit
Free
1-2 Business days
Przelewy24
– min/max
– fees
– speed
Yes
20 USD, EUR, GBP/No Limit
Free
Instant
Yes
No limit
Free
1-2 Business days
QIWI
– min/max
– fees
– speed
Yes
20 USD, EUR, GBP/No Limit
Free
Instant
Yes
No limit
Free
1-2 Business days
Webmoney
– min/max
– fees
– speed
Yes
20 USD, EUR, GBP/No Limit
Free
Instant
Yes
No limit
Free
1-2 Business days
ApplePay
– min/max
– fees
– speed
Yes
20 USD, EUR, GBP/No Limit
Free
Instant
Yes
No limit
Free
1-2 Business days
Trustly
– min/max
– fees
– speed
Yes
20 USD, EUR, GBP/No Limit
Free
Instant
Yes
No limit
Free
1-2 Business days
2c2p
– min/max
– fees
– speed
Yes
20 USD, EUR, GBP/No Limit
Free
Instant
Yes
No limit
Free
1-2 Business days
Astropay TEF
– min/max
– fees
– speed
Yes
20 USD, EUR, GBP/No Limit
Free
Instant
Yes
No limit
Free
1-2 Business days
Find all details about payment methods >

How much are Capital.com fees and commissions?

Capital.com makes money through spreads only. They do not charge an inactivity fee but reserve the right to do so.

Fee typeFee amountCommission
Trade commissionNoneNone
OvernightVariableNone
InactivityNoneNone
See Capital.com’s full fee and commission structure >

Capital.com trade sizes and limits

Capital.com offers a minimum lot size of 0.01 lot (i.e. a micro lot). No maximum lot limits are mentioned and there are no restrictions on the number of trades which can be executed in a day. Here are Capital.com’s trading limits:

ProductMinimum tradeMaximum trade
Forex (Major and Minor)0.01 lotNone
Stocks0.01 lotNone
Indices0.01 lotNone
Commodities0.01 lotNone
Cryptocurrencies0.01 lotNone
See all trading limits >

Capital.com trading platform

What devices can I use Capital.com on?

Capital.com is available through browsers on any device, and the platform also has its own mobile app and web platform. In addition to this, the broker is compatible with the MetaTrader 4 desktop platform. You can use Capitcal.com on:

  • Desktop (Windows/Mac)
  • Web (Web Browser based platform)
  • Mobile App (iOS and Android tablets and phones)

Can I use Capital.com in my country?

Capital.com is available across the world in over 180 countries. However, traders of the United States and Canada cannot use Capital.com at this time. Also, due to legal restrictions in each territory, some of Capital.com’s features & products might not be available in your country. It is recommended that users check the Capital.com website for information before transacting as they regularly update any restrictions on the sign-up page itself.

Is Capital.com available in my language?

Capital.com is available in 29 languages:

  • English
  • Spanish
  • Romanian
  • Arabic
  • French
  • Russian
  • Indonesian
  • Hungarian
  • Slovenian
  • Malaysian
  • Italian
  • Bulgarian
  • Latvian
  • Finnish
  • Czech
  • Lithuanian
  • Swedish
  • Danish
  • Vietnamese
  • Croatian
  • German
  • Nordic
  • Thai
  • Estonian
  • Polish
  • Mandarin
  • Greek
  • Portuguese

How easy is it to use Capital.com?

Capital.com is a very user-friendly broker, offering a range of proprietary user-friendly trading platforms alongside well-known platforms such as MetaTrader 4. 

The registration process is similar to other online CFD brokers, but perhaps a little more involved due to Capital.com’s status as a regulated broker. There is step-by-step guidance to walk you through the ID checks necessary to create an account and then you’re good to go.

Overall, it is easy to execute trades in just a few clicks, with ample tutorials readily available for those that are just getting started – whether you’re new to investing altogether or venturing into a new asset type, such as cryptocurrency. One of the best features of Capital.com is its wealth of educational materials and guides, making it an ideal platform for less experienced investors looking to learn the ropes.

Key features

Capital.com offers traders access to a plethora of markets, services, and features. Here are some of the top ones:

Artificial intelligence assisted trading

Capital.com offers a one-of-a-kind Artificial Intelligence trade monitoring system which provides analysis and insights based on your trading activities. As an example, if you are executing money-losing trades, it will provide custom recommendations to change this based on an analysis of your trading behavior and biases. 

This is a unique feature and based on one of the core focuses of Capital.com – financial technology.

Investmate financial mentoring app

Capital.com offers a dedicated trading education app, which is rich in content and comes packed with various courses and gamified educational goals. 

The app includes a demo mode to familiarise yourself with all facets of the trading experience by simulating the most volatile markets and identifying the best trading opportunities using a host of indicators.

Ability to invest in upcoming IPOs

With Capital.com a newly listed stock means a new trading opportunity. The platform keeps an up-to-date list of both upcoming IPOs among the stocks that are available to trade on the platform.

Security and regulation

Is Capital.com safe?

Capital.com is regulated in multiple jurisdictions and is both authorised and regulated by institutions such as the Financial Conduct Authority (FCA) and by the Cyprus Security and Exchange Commission (CySEC). The CFD broker also keeps a segregated account and protects client privacy under MiFID II.

Am I and my funds protected?

Yes, Capital.com is a member of Financial Services Compensation Scheme (FSCS) and Investor Compensation Fund (ICS) and hence traders in certain jurisdictions are protected up to a maximum amount by each scheme. 

Capital.com also keeps segregated accounts, separating investor funds from company funds so that they do not mix and investor funds are never utilised by the company for any other reason. It is worth noting that cryptocurrency trades are not covered under the FSCS and ICS protection schemes, however.

Is Capital.com regulated?

Yes, Capital.com is regulated by the Financial Conduct Authority (FCA), Cyprus Securities and Exchange Commission (CySEC), The National Bank of the Republic of Belarus (NBRB), and The Australian Securities and Investments Commission (ASIC).

Do I have to verify my account with Capital.com?

Yes, investors and traders have to verify their account information as Capital.com is a licensed and regulated broker which adheres closely to KYC processes. The following documents are required:

  1. Proof of ID: International Passport or National ID card
  2. Proof of residence: Any address proof like utility bills containing both name and address issued within the last six months

Extra information

Educational resources 

This is one of Capital.com’s main strengths. The site has so many educational materials available, from eBooks to video tutorials, infographics, a glossary, and more, that anyone can find the information they’re looking for. 

The available materials cater for both beginners as well as those with more advanced trading skills. It also conducts live trading webinars from time to time, which is a unique offering among CFD brokers.

Tools and charting

Capital.com offers both its own as well as the popular MetaTrader 4 trading platform, both of which are customisable, allowing traders across the board to manage and execute their trades with precision. 

The web platform alone consists of more than 75 technical indicators with multiple chart types. These features also carry over to the mobile app as well.

Customer support

Capital.com offers customer support via telephone numbers for their offices in the UK, Cyprus, Gibraltar and Belarus. The broker can also be reached directly via email and there is a detailed FAQ section addressing common queries.

Our verdict

Capital.com places a heavy emphasis on financial technology and even exclaims that its platform is where “Artificial intelligence meets trading”. The platform they have built provides a host of educational materials to help traders improve, and machine-learning tools to help identify and correct any flaws in your approach.

Whether AI can deliver on all the fantastical things it promises remains to be seen. What we can say for certain at this time is that the trading platforms Capital.com does offer are robust, with zero commissions and access to more than 3,000 instruments across a multitude of markets.

Leverage remains one of the biggest shortcomings of Capital.com, with below average leverage for standard account clients for a CFD broker. The platform also does not readily make available information on individual country restrictions. Overall however, it is a strong platform for traders who need/want access to multiple asset classes and to improve their trading skills.

How to open an account with Capital.com

Opening an account with Capital.com is pretty simple and straightforward. Step by step guidance is also provided on the website. Here’s the process:

  1. Click on “Trade Now” on the Capital.com website in the top right corner.
  2. Sign up using an email address and provide a password. Alternatively one can sign up via Facebook, Google or Apple ID. 
  3. The user is directed to the web trader platform where one can create an account.
  4. Verify your ID by uploading identification documents (proof of identification and proof of address).
  5. Make a deposit via any one of the available deposit methods.
Who owns Capital.com?
How does Capital.com make money?
Do I have to pay tax on Capital.com profits?
Does Capital.com offer CFD trading?
How do I sell on Capital.com?
How do I delete my Capital.com account?
How can I short on Capital.com?
What if I forget my account password?
Can I transfer from my Capital.com account into my PayPal account?
What if Capital.com closes down while I have open trades?
Can I access my full trading history on Capital.com?
Can I pay in Cryptocurrency with Capital.com?
Does Capital.com offer bonuses?

Fact-checking & references

Our editors fact-check all content to ensure compliance with our strict editorial policy. The information in this article is supported by the following reliable sources.

Risk disclaimer

Invezz is a place where people can find reliable, unbiased information about finance, trading, and investing – but we do not offer financial advice and users should always carry out their own research. The assets covered on this website, including stocks, cryptocurrencies, and commodities can be highly volatile and new investors often lose money. Success in the financial markets is not guaranteed, and users should never invest more than they can afford to lose. You should consider your own personal circumstances and take the time to explore all your options before making any investment. Read our risk disclaimer >

Theodor Tonca
Financial analyst
Having worked for a decade as an analyst, investment partnership founder, and writer - Theodor is a keen sportsman. When not working, he can most commonly… read more.

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