Sofi Active Investing vs Capital.com : Fees, Safety & Trading Conditions Compared (2026)

Broker Name

Sofi Active Investing

Capital.com

Broker Overview

Broker Type (e.g., Market Maker, ECN/STP)

Market maker

Years of Existence / Established Year

2019

2016

Customer Base / Number of Accounts

6.2+ Million

660k

Regulation & Security

Regulations (governing bodies)

SEC, FINRA

CySEC, ASIC, FCA, MiFID, SCB

Awards Won (count for the last 2 years)

No major awards listed

Best Overall Trading Platform (Online Money Awards 2024) and Best Trading App 2023 (Good Money Guide), Fastest Growing Broker

Security Measures

SIPC

AML

SSL Encryption / 2FA

Yes

Segregated Funds

Yes

Negative Balance Protection

Yes

Trading Instruments/Products Offered

Assets Types / Trading Instruments (total count and breakdown)

IPO, IRA, Shares

3000+ assets including shares, ESG

Currency Pairs

Yes

Commodities

Yes

Indices

Yes

Cryptocurrencies

Yes

CFDs

Yes

ETFs

Yes

Stocks

Yes

Options

Yes

Futures

Bonds

Mutual Funds

Yes

Fractional Shares

Yes

Exchange Traded Notes (ETNs)

Precious Metals

Yes

Real Estate Investment Trusts (REITs)

Equities

Trading Platforms & Technology

Trading Platform Availability

Yes

MT4

Yes

MT5

cTrader

Social Trading

Yes

Copy Trading

Yes

Other Trading Platforms (proprietary, etc.)

Mobile and Web app

Mobile apps, CFD trading App, Capital.com API

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Account Types & Conditions

Account Types (Retail, Pro, VIP, etc.)

Individual brokerage, IRA (Traditional, Roth, SEP)

CFD Live, MTA account, CFD corporate account, Individual account-Retail, professional account

Demo Account (Yes/No)

Yes

Islamic Accounts (Yes/No)

Minimum Deposit

20 EUR / USD / GBP

Leverage Available

2:1- 30:1

Trade Limit (maximum per trade)

Account Equity < $25,000: No Day Trades

$25,000

Commission (per account type)

Best Suited For (e.g., beginners, experienced traders)

Passive investors

Beginners to experienced traders

Deposit & Withdrawal Options

Deposit Methods

Bank transfers (ACH), direct deposit from linked bank accounts

Bank transfer, Bank cards, Pay ID, e-wallets

Withdrawal Methods

ACH transfer back to linked bank accounts

Bank cards, e-wallets

Other E-Wallets Supported

Apple Pay, Google pay, PayPal, Neteller, Skrill, Sofort, PRZELEWY, Truelayer, Ideal, Trustly, SPEI, Lean, Volt

Tools & Educational Resources

Economic Calendar

Yes

Tools & Educational Resources (tutorials, webinars, market news, etc.)

Learn (Investing Education), Market Insights and Analysis, Webinars, Investing Guides, Financial Planning Tools, Sofi Insights (Market News)

For trading beginners- Trading Essentials, Risk management, Market guides, For experienced traders- Trading Strategies, Technical analysis, Market analysis, Trading Psychology

Fees & Commissions

Trading-Related Fees

Stocks, ETFs-$0,Commission -$0

Commission: $0

Spread (typical, fixed, variable)

Variable

Per Lot Fees

Options Contract Fees

$0- $5

Futures Contract Fees

Markup Fees on Spread

Guaranteed Stop Loss Fees

GSL fee value will be displayed on the deal ticket

Maximum Leverage

30:1

Non-Trading Fees

Dormant Fees

$25

Subscription Fees (for premium features, data feeds)

Advisory Fees

Depending on assets type, Professional charges- 1% , annual advisory fees as low as 0.25%

Swap Fees (Overnight Financing)

Statement or Document Fee

$5 paper statement fee

Account Opening Fee

Account Maintenance Fee

Deposit Fee

0.7% of the spot forex rate

Currency Conversion Fee

Withdrawal Fee

Outgoing ACAT transfers $100

Bonuses, Promotions & Benefits

Bonuses, Promotions, and Referrals

Yes

Customer Benefits (e.g., Retirement Plan)

Yes

Trading Hours

Trading Hours (for each asset class if applicable)

Depends on the instrument offer

opens at 9.30am and closes at 4pm local time (2.30pm-9pm London time)

Customer Support

Support Hours (e.g., 24/7, weekdays only)

Monday - Friday 5am-5pm PT

24/7

Customer Support Methods (phone, email, live chat)

Live chat, Phone: 855-456-7634, Virtual assistant

Live chat, Phone: +61 3 8658 0539, E-mail: [email protected]

Support Languages

10+

Additional Information

Headquarters Location

San Francisco, California.

Limassol, Cyprus

Complaints (for crypto brokers)

At TradingCritique, we don't just list brokers. We test, compare, and simplify your decision-making. Whether you're a beginner or a pro, our data-driven comparisons are built to match your trading style and region. Learn how we Evaluate a broker.

If minimizing trading costs is your top priority, Sofi Active Investing might be more attractive due to its lower commissions. Meanwhile, Capital.com justifies its moderate fees with more robust tools and professional-grade features.

Sofi Active Investing offers a quick and paperless account setup that appeals to traders on the go, whereas Capital.com more involved onboarding process adds an extra layer of safety and regulatory checks.

Sofi Active Investing integrates well with algorithmic trading tools and third-party plugins. In contrast, Capital.com emphasizes educational content and built-in research features within its platform.

Sofi Active Investing delivers a robust ecosystem for seasoned traders, whereas Capital.com focuses on ease of access and modern usability.

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