Capital.com review 2026

Quick verdict

Capital.com is a regulated broker with its own platform and well-known third-party platforms. It is a reasonable pick for a careful beginner, but the lack of one clear minimum deposit and our missing spread figures mean you should test before you commit.

These facts come from Capital.com's own website, checked on 16 October 2026:

• Regulation: CySEC licence 319/17 (Capital Com SV Investments Limited) and CySEC licence 463/25 (Capital Com Group Ltd).
• Minimum deposit: depends on the payment method, the account currency and the entity.
• Maximum leverage: 30:1 for retail clients of Capital Com SV Investments Limited.
• Platforms: the Capital.com web platform, the Capital.com app, MetaTrader 4, MetaTrader 5 and TradingView.
• Deposit methods: bank transfer, cards and digital wallets.

What we could not confirm: spread figures, commission, withdrawal methods, any withdrawal time and the share of retail accounts that lose money. We do not guess any of these. The review explains what to check.

A CFD (contract for difference) lets you speculate on a price without owning the asset. It is a high-risk product.

Is Capital.com legit and safe?

Yes. Capital.com works through two companies that hold CySEC licences, so it is a regulated broker. You should still find out which company will hold your account, because the leverage limit we verified applies to one of them.

A regulator is a public body that licenses brokers and can punish rule breaking. A broker group usually has several companies. Each has its own licence, rules and protections. What protects you depends on the company in your client agreement.

CySEC licence (Capital Com SV Investments Limited)

CySEC is the Cyprus Securities and Exchange Commission. Capital Com SV Investments Limited is listed under licence number 319/17. CySEC is part of the European system, so European rules for retail clients apply. These include a leverage limit, a required risk warning and complaint routes. The leverage fact we verified, 30:1 for retail clients, belongs to this company.

CySEC licence (Capital Com Group Ltd)

Capital Com Group Ltd is listed under CySEC licence number 463/25. The number suggests a newer licence than the first. We did not verify what services this company offers or which clients it serves. Ask which of the two companies would hold your account, and why.

Both licences are from the same regulator. That is a good sign for transparency, but it is also a reason to ask careful questions. If you are outside Europe, check whether Capital.com accepts clients from your country and under which company.

How to check a licence yourself:

1. Write down the company names and licence numbers from Capital.com's regulation page.
2. Go to CySEC's own website and open its public register of regulated entities.
3. Search by licence number.
4. Confirm the name, the status and the website address.
5. Save a screenshot.

Questions to put to Capital.com in writing:

• Which company will hold my account?
• Which regulator supervises it?
• What protections apply to my money?
• Do you accept clients from my country?
• What is the minimum deposit for my payment method?

We did not find a verified loss-rate figure. European brokers must show one, so ask for the number that applies to your entity and read it before you deposit.

Capital.com fees and spreads explained

We could not confirm Capital.com's spread figures or commission from the facts we checked. We will not state a number we cannot source.

Let us explain the words, so you know what to look for.

• Pip: the smallest standard price step in most currency pairs.
• Spread: the gap between the buy price and the sell price. You pay it each time you open a trade.
• Commission: a fixed fee per trade. We could not confirm if Capital.com charges one.
• Swap or overnight fee: a cost or credit for holding a trade past the end of the day.
• Slippage: when your order fills at a different price from the one you saw.

How to measure the real cost yourself.

1. Open a demo account on the platform you plan to use.
2. Watch the spread on the pairs or markets you want, such as EUR/USD, gold or a stock index.
3. Check at different hours: calm periods, the London open, the New York open and around major news.
4. Write down the numbers.
5. Do the same at one or two other brokers.

This gives you a fair comparison, which is better than an advert.

Where the costs hide. A broker without a visible commission usually earns from the spread. A broker with a commission may have a narrow spread. Add both for one typical trade. Also look at the overnight fee if you hold trades for days, at currency conversion fees if your deposit currency differs from your account currency, and at any inactivity or withdrawal fee. We did not verify these for Capital.com, so look at its fee pages for your entity.

Different platforms can show different costs. Capital.com's own platform and the MetaTrader platforms may not charge in the same way. Test on the exact one you will use.

Account types at Capital.com

We could not confirm a full list of Capital.com account types from the facts we checked. What we can say is that you can choose between five platform routes.

Rather than invent a table, here is what to look at when comparing account types at any broker.

• Which entity is it for? The same brand can offer different terms to different regions.
• How is the cost charged? Spread only, or spread plus commission.
• Which platforms are available? For Capital.com these include its own web platform and app, MetaTrader 4, MetaTrader 5 and TradingView.
• What leverage applies? We verified 30:1 for retail clients of Capital Com SV Investments Limited. Professional clients may have different rules.
• Which markets can I trade? Forex pairs, indices, shares, commodities and crypto may be offered differently between entities.

Demo account. A demo account lets you practise with virtual money at live prices. It is free. Use it long enough to learn how to place market orders and pending orders, and how to set a stop-loss, an order that closes your trade at a loss level you choose.

Account currency. Choose a currency that matches how you will fund your account, to avoid conversion costs.

Platform decides features. Some features, such as certain order types or charts, differ between Capital.com's own platform and MetaTrader. Choose the platform first, then check what your account offers on it.

Minimum deposit: how much do you need to start?

Capital.com does not publish a single minimum deposit. The amount depends on your payment method, your account currency and the entity that holds your account.

This is a common and important detail. If a broker says "depends", you cannot rely on a number from a forum. Only the figure shown in your own client area counts.

How to find your number:

1. Register an account.
2. Open the deposit page.
3. Choose your payment method and currency.
4. Read the minimum shown before you confirm.
5. If it is unclear, ask support and keep the reply.

How to decide how much to deposit:

• Use only money you can afford to lose completely.
• Do not borrow, and do not use rent, food or school money.
• Choose an amount that lets you trade small. A common beginner rule is to risk about 1% of the balance on one trade.
• Keep your savings outside the broker.

Payment fees on your side. Your bank, card or wallet can add charges. A currency conversion margin may be hidden in the rate. Check your own costs before sending.

A smart start. Deposit a small amount, trade a tiny size with a stop-loss, then request a small withdrawal. Add more only after it works. A note on currency. When you open an account you choose its currency, and Capital.com says the minimum can depend on that choice. If you fund in a currency that differs from the one your bank uses, the bank or wallet will convert the money, and the conversion rate usually includes a margin. Try to fund in a currency you already hold, so you lose less to conversion. Write down the rate you were given on the day, because it helps if you later compare a deposit with a withdrawal and want to understand why the two amounts differ.

Deposit and withdrawal methods

Capital.com lists bank transfer, cards and digital wallets for deposits. We could not confirm a list of withdrawal methods.

• Bank transfer: a transfer from your bank account. International transfers can carry bank fees.
• Cards: credit or debit card payments.
• Digital wallets: online wallets that hold money. The exact wallets available depend on your country.

We did not find crypto among the verified methods, and we did not find fees or limits per method. Which methods you see depends on your country and your entity. After you register, open the deposit page and read the list for your account.

Withdrawals. Capital.com's verified facts do not list withdrawal methods. In the industry, money often goes back by the route used to deposit. This is an anti-money-laundering rule. We have not verified Capital.com's exact policy, so ask support.

Safe payment habits:

1. Pay only from accounts in your own name.
2. Complete identity verification early.
3. Keep copies of every receipt.
4. Use only the official client area. Do not send money to a person who messages you.
5. Check card and bank limits for international payments.

For traders in our regions. Cards and bank transfers can be restricted in some countries. Digital wallets may help, but only if they are offered for your country. Make sure you can both pay in and take out before you deposit.

How long do Capital.com withdrawals take?

We could not confirm a stated Capital.com withdrawal time, so we do not quote one. Test it yourself with a small amount.

Capital.com's verified facts do not give a processing time. Any figure you read in a chat group is unverified. A withdrawal normally has two parts:

1. Broker processing: how long Capital.com takes to review and approve your request.
2. Payment provider time: how long your bank, card or wallet takes to show the money. Cross-border bank transfers can be slow.

How to run your own test:

1. Deposit a small amount.
2. Make a tiny trade or leave the money.
3. Request a small withdrawal to the same route.
4. Write down the date and time of the request.
5. Write down when the money arrives.
6. Repeat later with a larger amount.

What can delay a withdrawal. Verification not finished, a name that does not match, open trades using the money as margin, or a bank problem. Plan for these in advance.

If it is stuck: contact support in writing, quote your request number and ask for a clear reason. Keep the messages. If the problem continues, look for the complaint route of the regulator for your entity.

Trading platforms

Capital.com offers its own web platform and app, plus MetaTrader 4, MetaTrader 5 and TradingView.

• Capital.com web platform: the broker's own platform in a browser. No installation is needed.
• Capital.com app: the phone app for trading and managing your account.
• MetaTrader 4 (MT4): a simple, widely used forex platform that supports automatic trading programs called expert advisors.
• MetaTrader 5 (MT5): the newer version with more order types and markets.
• TradingView: a charting platform known for clear charts and a large community.

How to choose. If you want the simplest start, use the Capital.com web platform or app. If you follow a course on MetaTrader, use MetaTrader. If you love charts, try TradingView.

Practise first. On the demo, place a market order, a pending order, change a stop-loss and close a trade.

Phone safety. Use a screen lock and two-step login. Do not trade on public Wi-Fi without protection. Check lot size before you tap.

Leverage and risk

For retail clients of Capital Com SV Investments Limited the maximum leverage is 30:1. That is a lower, more protective limit than many offshore brokers offer.

Leverage lets you control a bigger position with a small deposit. At 30:1, each $1 controls $30 in the market. A small price move can create a profit or a loss many times larger than your deposit share. It multiplies both.

Why a lower limit helps. A 30:1 limit makes it harder to open huge positions on a small account. That is useful for beginners. It does not remove risk, because 30 times your money is still a lot.

Note for other entities. The limit we verified applies to the retail clients of one company. Clients of another company, or professional clients, may have different rules. Ask which limit applies to you.

Risk words you should know:

• Margin: the money held to keep your trade open.
• Margin call: a warning that your free margin is low.
• Stop-out: the level where the broker closes trades automatically.
• Negative balance protection: a rule that stops you losing more than your deposit. We did not verify it for each entity, so ask.

Rules to protect yourself:

1. Always use a stop-loss.
2. Risk only a small part of your balance on each trade.
3. Never add money to chase a loss.
4. Avoid trading during big news if you are new.
5. Stop for the day when you reach your loss limit.

Who is Capital.com best for?

Capital.com suits traders who value regulation, a lower leverage limit and a choice of platforms, including TradingView. It is less suited to anyone who needs a published minimum deposit, spreads or withdrawal times before registering.

Capital.com could be a good match if you:

• want a broker with CySEC licences;
• prefer a lower leverage limit as a safety measure;
• want to use TradingView, MetaTrader or an easy built-in platform;
• can fund by bank transfer, card or a digital wallet;
• will test everything on a demo account first.

Think carefully if you:

• want to see exact spreads and a fixed minimum deposit before you register;
• need high leverage. The retail limit we verified is 30:1;
• need a withdrawal time in writing;
• cannot afford to lose the money you deposit.

For beginners. A regulated broker with a leverage cap and a simple built-in platform is a gentle start. Keep trades small.

For experienced traders. The mix of platforms is a plus. Test costs on the instruments you trade.

How to open a Capital.com account

1. Go to the official website, capital.com, by typing the address yourself. Do not click links from unknown messages.
2. Check your country. Confirm that Capital.com can serve you and ask which company will hold your account.
3. Register with your email and a strong password.
4. Answer the experience questions honestly. They help the broker decide what is suitable for you.
5. Upload identity documents. A photo ID and proof of address are normal. Do this early.
6. Open a demo account and practise on your chosen platform.
7. Open a live account when your plan is ready.
8. Check the minimum deposit for your payment method and currency.
9. Deposit a small amount from a method in your own name.
10. Place a tiny trade with a stop-loss, then test a small withdrawal.

Screens change from time to time. Follow what the official site shows.

The fine print

Read the client agreement and the risk warning before you deposit. These are the points that catch people out.

• Two companies, two licences. Your rights depend on which one holds your account.
• The 30:1 limit is for retail clients of Capital Com SV Investments Limited. Other client types and companies may differ.
• The minimum deposit "depends". Only the figure in your client area counts.
• We did not verify: spreads, commission, swap rates, inactivity fees, withdrawal fees, withdrawal methods or withdrawal times.
• Bank and card fees may be charged by your own bank, even when the broker charges nothing.
• Impersonators. Scammers copy well-known brands on messaging apps. Capital.com will not ask you to send money to a private person.
• Promotions. If you are offered a bonus anywhere, read the conditions on withdrawals before you accept.

Complaints. Start with support, in writing. If unresolved, look for the process of the regulator for your entity.

Our checks. We read Capital.com's official pages on 16 October 2026. If you find a difference, tell us.

Our final verdict

Capital.com is a regulated broker with a leverage cap, a simple built-in platform and access to MetaTrader and TradingView. It is a sound option for a careful trader who checks the entity, the minimum deposit and the withdrawal route before sending money.

What we like: two CySEC licences, a retail leverage limit of 30:1, five platform choices and funding by bank transfer, cards and digital wallets.

What we do not like: no single published minimum deposit, no verified spread or commission figures, and no confirmed withdrawal methods or times.

Our advice: confirm the company that holds your account, practise on a demo, deposit a small amount, test a withdrawal and keep trades small.

Trading CFDs is risky and you can lose all the money you put in. This review is information, not financial advice.