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Trust and Regulation: Is Capital.com Safe?
If you’re placing your hard-earned money under the care of a broker, then security should be your top concern. It is important to know that society is fair and your money is always safe. Luckily, capital.com is viewed as extremely reliable. It holds an overall Trust Score of 89 out of 99 from top industry reviewers. The company is not publicly traded and has no traditional bank, but it is under the strict supervision of several global Regulators.| Capital.com | General Information |
|---|---|
| Support for your country | |
| Rating | |
| Regulations | CySEC (CY), ASIC (AU), FCA (GB), FSCA (ZA) |
| Licenses | United States, Canada, Belgium, India, Japan, Singapore, South Africa, New Zealand, Malaysia, Indonesia, Philippines, Russia, Turkey, Iran, Iraq, Israel, North Korea, Syria, Cuba, Venezuela |
| Established Year | 2016 |
| Headquarters | Limassol, Cyprus |
| Trading Options | |
| Trading Instruments | 5,560 |
| Trading Platforms | MetaTrader 4, TradingView, MetaTrader Web |
| Account Information | |
| Deposit Fees | |
| Min Deposit | $20 |
| Min Trade Size | 0.01 lot |
| Avg. Spread EUR/USD | 0.6 pips |
| Max. Leverage | 1:500 |
| Open Account |
Global Regulatory Framework
Three Tier-1 regulators, the top level of financial regulation, give Capital.com its complete authorization and monitoring. The broker is licensed by the Financial Conduct Authority in the United Kingdom, the Australian Securities and Investments Commission in Australia, and the Cyprus Securities and Exchange Commission, with a license to operate throughout the European Union. Apart from those heavy-hitters Tier-1 regulators, Tier-2 regulators such as the Securities and Commodities Authority (SCA) in the UAE also regulate Capital.com. The Tier-4 regulated Securities Commission of The Bahamas also licenses it.Security and Client Protections
As Capital.com is fully compliant with the highest-level standards worldwide, retail traders benefit from many essential safeguards.- Segregated Funds: Your funds are separate from the broker’s corporate funds. This means that Capital.com will not be able to distribute your funds back on trading on their own operating costs.
- Negative Balance Protection: It helps you avoid getting into negative amounts. When a trade goes wrong in very volatile markets, you won’t be left with a negative account.
- Investor Compensation: In case the broker experiences severe financial difficulties, you may be provided with investor protection schemes depending on your jurisdiction.
Capital.com Trading Fees, Commissions, and Spreads
Knowing the price of trading is critical to safeguarding your profit. Hidden high fees can gradually take a bite out of your profits. Capital.com is one of the ones that has a very simple and transparent fee structure.Zero-Commission Model
Capital is a 100% commission-free broker for all asset classes. There will be no flat opening or closing charge for a position. Rather, the main point of broker profits depends on the spread; the spread represents the distinction amongst the offer price and the purchase price of an asset.Competitive Spreads
When it comes to major currency pairs, Capital.com has very competitive rates. The EUR/USD is, for instance, averaging just 0.7 pips, which is below the industry average. Trading fees are directly incorporated in the spread, so you always understand the upfront expenses of your trade before you plow into your money.Active Trader Rebate Program
Capital.com offers tiered volume rebates for all traders who trade in high volumes. This scheme is a refund of a part of the spread amount every month, according to the volume of your trading. They fall into three categories with the rebate system. Tier 1 is up to $50 million per month and earns you a 5 percent rebate. Tier 2 is from $50m to $150m and gets you a 10 per cent rebate. If your volume is greater than $150 million, you can qualify for Tier 3, which offers a 20 percent rebate on up to $10,000 monthly purchases. For the majority of retail traders who are day trading, the 5% tier will be the most attainable, but it’s a nice way to lower trading costs over time. Be aware that the volume threshold might differ depending on the region. The volumes in standard CFDs do not match MetaTrader volumes.Non-Trading Costs
Capital.com is very flexible when it comes to non-trade costs.- Deposits and Withdrawals: 0% commissions are charged for funding or withdrawing your profits.
- Inactivity Fee: Unlike many competitors that penalize you for taking a break from the markets, Capital.com does not charge any hidden inactivity fees.
- Overnight Financing: There is an overnight financing charge if a CFD trader is holding a leveraged position overnight. This is common procedure throughout the industry, with precise swap rates clearly specified in contract specs of each asset on the platform.
Capital.com Account Types: Standard vs. Professional
Capital.com offers two primary types of live accounts, suitable for distinct levels of experience, and a practice option.Standard Account
The Standard account is for regular retailers. It has an extremely easy registration process with a $20 minimum fund, normal credit card, debit card, Apple Pay, or Google Pay. The minimum deposit amount might be higher for those who elect to use a standard bank wire transfer. Fully digital registration with rapid verification on the smartphone’s camera, to speed up the account activation process in 24 hours.Professional Account
The Professional account provides advanced features and increased leverage for highly experienced individuals. But strict thresholds of financial and activity criteria apply for eligibility. Some retail protections are absent, including automatic negative balance protection in some areas, for the professional client. Some Middle Eastern areas do not allow this type of account.Free Demo Account
The free demo account is a great tool for those wanting to try out the broker platform risk-free, or for newcomers to the markets. It has a variety of base currencies, is never-ending, and allows virtual trading with real market conditions.Tradable Markets and Asset Selection
Capital.com has a vast repository of financial instruments with access to more than 5,000 CFD markets from five major asset classes. With such a large variety, it is possible to create a diversified portfolio.| Asset Class | Number of Instruments | Key Details |
| Forex | 128 Currency Pairs | Includes majors, minors, and exotic pairs with tight spreads. |
| Indices | 20+ Global Indices | Trade major stock indexes from around the world. |
| Commodities | 22+ Commodities | Trade popular hard and soft assets including gold, silver, and crude oil. |
| Shares | 2,400+ Share CFDs | Trade global stocks across major international exchanges. |
| Cryptocurrencies | 450+ Crypto CFDs | Massive selection of digital tokens including Bitcoin and Ethereum. |
The Share CFD Innovation
One important thing to note about Capital.com is that it mainly works with CFDs, which is short for Contracts For Difference. There is no Direct Market Access or trading of ETCs through the traditional exchange. The broker instead proposes to trade with an alternative instrument called 1X. The 1X instrument refers to a share CFD which is not leveraged. This is because it doesn’t require any leverage, which means there are no overnight funding costs for long-term positions, which makes it a lot more sensible if you’re thinking of holding on to a stock for a longer-term financing position. However, it is still a CFD, and you do not gain any real ownership of the underlying shares. There are platform limits set on position sizes on 1X instruments.A Note on Crypto Trading
There is a wide range of 450+ cryptocurrency CFDs on Capital.com, winning an industry award. This works great for crypto traders who want to guess on price moves but don’t wish to establish a digital wallet. However, keep in mind that due to local regulatory restrictions, crypto CFDs are completely unavailable to retail traders registered under the United Kingdom entity of Capital.com.Trading Platforms and Tools
Regardless of your preferred platform, laptop vs mobile, Capital.com offers a multi-platform solution that allows you to trade flexibly and seamlessly.Proprietary Web and Mobile Apps
The highlight of the entire event is Capital.com’s custom-built web platform and mobile app. Confusing clutter on older software is eliminated since the interface is clear, modern, and very easy to use. The internal server speed of the platform for executing trades is truly impressive, with 0.014 seconds. The proprietary software includes more than 100 technical indicators, advanced drawing tools, and risk-management popups, which show you the financial risk before you trade. A minor drawback is that you cannot filter search results by sub-exchanges within a country and that listings are accordingly grouped under a larger region-specific tab.TradingView Integration
Advanced technical analysis fans will adore Capital.com’s ability to flawlessly integrate with TradingView. You can directly link your account to the world-class charts at TradingView and take advantage of community trade ideas to take trades seamlessly.MetaTrader 4 Support
Capital.com includes assistance for MetaTrader 4, for traditionalists who appreciate automated trading software or algorithmic expert advisors. It may not be as developed as some other third-party platforms, but the MetaTrader 4 option is available to those who already know how to work with it and prefer to continue using their familiar tools.Research, Education, and Customer Support
Capital.com places a massive focus on helping its clients become better traders. Their educational ecosystem is of the highest standard, whether you are a beginner or are looking for new ideas in the market.Educational Resources
The broker will provide a full-fledged learning academy that contains a lot of structured courses, video guidelines, detailed articles, and also in-platform quizzes. They also offer extensive deep-dive fundamental and technical analysis articles to keep you up to speed on what is going on in the world markets.Customer Service
Customer support at Capital.com is highly praised, with acclaim from countless review sites such as Trustpilot, where the broker boasts an impressive 4.6-star rating from thousands of individual reviews. The most frequent feedback given by users about the support is the quick response times and professional helpfulness of the support team. The support team is on duty round the clock in various languages like English, Arabic, Spanish, German, French, and Italian. Higher volume traders may additionally be able to receive a devoted client supervisor for personal help.Pros and Cons of Capital.com
Let’s wrap up our Capital.com review by examining the key pros and cons.| ✓ Pros | ✕ Cons |
|---|---|
| Highly Regulated: Regulated by the best bodies globally such as the FCA, ASIC and CySEC. | No Direct Share Ownership: Trades consist of CFDs rather than direct share ownership, so you are not able to purchase any underlying stocks. |
| 100 Percent Commission Free: Spread-based pricing with no hidden fees on your account. | Cryptocurrency CFDs: They are not available to all United Kingdom retail customers under Crypto Limits. |
| Massive Asset Catalog: Over 5,000 tradeable markets, including a huge crypto CFD catalog. | Platform Choices: Users who do not prefer MetaTrader 4 platforms may lack some options for their preferences for algorithmic trading. |
| Low Account Minimum: Get started with just $20 via card or mobile payment options. | |
| Excellent Platforms: Smooth proprietary software, MetaTrader 4 support, and extensive TradingView integration. |
Final Verdict: Is Capital.com Right for You?
Overall, Capital.com is a great option for active retail traders, short-term day traders, and crypto enthusiasts who prioritize simplicity and cost-effectiveness. The broker’s commission-free approach, low forex spreads, and solid own apps render it extremely easy to enter the financial markets. But if you’re a traditional Australian investor who wants a long-term investment as a means of owning a stock, you may wish to consider alternative investments. For the vast majority of modern multi-asset traders, Capital.com offers a highly secure, well-rounded, and satisfying trading environment.Frequently asked questions
A minimum of just $20 is required when funding with a credit card, debit card, Apple Pay, or Google Pay. For regular bank transfers, the minimum might be more.
No, Capital.com does not allow for actual stock trading or share ownership. All stock trading is done via Contracts for Difference. They also provide 1X non-leveraged share CFDs, where overnight positions are free of fees, but you still do not own the underlying asset.
Yes, various financial authorities around the world regulate Capital.com. These include top-notch regulators like the Financial Conduct Authority in the UK, Australia’s Securities and Investments Commission, and the Cyprus Securities and Exchange Commission.
Unfortunately, Capital.com does not charge an inactivity fee. You can use the account balance without being affected for a considerable period of time if you take a break from trading.
According to Capital.com, they are offering a huge library of digital asset CFDs. Because of strict financial regulations in the UK, none of these types of cryptocurrency CFDs are available for retail traders in the country.
