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Capital.com vs XTB : Fees, Safety & Trading Conditions Compared (2026)
Broker Name
Capital.com
XTB
Broker Overview
Broker Type (e.g., Market Maker, ECN/STP)
Market maker
Market maker
Years of Existence / Established Year
2016
2002
Customer Base / Number of Accounts
660k
2 Million
Regulation & Security
Regulations (governing bodies)
CySEC, ASIC, FCA, MiFID, SCB
FCA, KNF, CySEC, DFSA, BaFin, FSCA, and FSC.
Awards Won (count for the last 2 years)
Best Overall Trading Platform (Online Money Awards 2024) and Best Trading App 2023 (Good Money Guide), Fastest Growing Broker
Best for low cost ISA 2025, Best CFD Broker of 2025, Europe's fastest growing company 2025, Highly Recommended Finder Awards 2024,
Security Measures
AML
FSCS
SSL Encryption / 2FA
Yes
Yes
Segregated Funds
Yes
Yes
Negative Balance Protection
Yes
Yes
Trading Instruments/Products Offered
Assets Types / Trading Instruments (total count and breakdown)
3000+ assets including shares, ESG
11400+ trading instruments, including an investment plan
Currency Pairs
Yes
Yes
Commodities
Yes
Yes
Indices
Yes
Yes
Cryptocurrencies
Yes
Yes
CFDs
Yes
Yes
ETFs
Yes
Yes
Stocks
No
Yes
Options
No
No
Futures
No
No
Bonds
No
No
Mutual Funds
No
No
Fractional Shares
Exchange Traded Notes (ETNs)
No
No
Precious Metals
Yes
Yes
Real Estate Investment Trusts (REITs)
No
No
Equities
No
Yes
Trading Platforms & Technology
Trading Platform Availability
Yes
Yes
MT4
Yes
No
MT5
No
No
cTrader
No
No
Social Trading
No
Copy Trading
Yes
No
Other Trading Platforms (proprietary, etc.)
Mobile apps, CFD trading App, Capital.com API
X station
Platform Compatibility (Windows, Mac, iOS, Android)
Yes
Yes
Account Types & Conditions
Account Types (Retail, Pro, VIP, etc.)
CFD Live, MTA account, CFD corporate account, Individual account-Retail, professional account
Standarad, Professional
Demo Account (Yes/No)
Yes
Yes
Islamic Accounts (Yes/No)
No
Yes
Minimum Deposit
20 EUR / USD / GBP
$0
Leverage Available
2:1- 30:1
1:2 to 1:500
Trade Limit (maximum per trade)
$25,000
Depends on assets class
Commission (per account type)
$0
$0
Best Suited For (e.g., beginners, experienced traders)
Beginners to experienced traders
Beginners to experienced traders
Deposit & Withdrawal Options
Deposit Methods
Bank transfer, Bank cards, Pay ID, e-wallets
bank transfers, credit and debit cards, e-wallets
Withdrawal Methods
Bank cards, e-wallets
bank transfers, credit and debit cards, e-wallets
Other E-Wallets Supported
Apple Pay, Google pay, PayPal, Neteller, Skrill, Sofort, PRZELEWY, Truelayer, Ideal, Trustly, SPEI, Lean, Volt
Skrill, Neteller
Tools & Educational Resources
Economic Calendar
Yes
Yes
Tools & Educational Resources (tutorials, webinars, market news, etc.)
For trading beginners- Trading Essentials, Risk management, Market guides, For experienced traders- Trading Strategies, Technical analysis, Market analysis, Trading Psychology
Educational Articles and Market Articles
Fees & Commissions
Trading-Related Fees
Commission: $0
Spread 0.1 to 0.8 pips, Stock transfer fee- USD 25, ETF commission- 0.2%
Spread (typical, fixed, variable)
Variable
Variable
Per Lot Fees
NA
0.08% per lot, or 0.16% per round turn
Options Contract Fees
NA
NA
Futures Contract Fees
NA
NA
Markup Fees on Spread
NA
NA
Guaranteed Stop Loss Fees
GSL fee value will be displayed on the deal ticket
NA
Maximum Leverage
30:1
(1:500)
Non-Trading Fees
Dormant Fees
$0
Charges apply 12 months of inactivity
Subscription Fees (for premium features, data feeds)
NA
NA
Advisory Fees
NA
0% advisory fee for cash-enhanced portfolio, 0.30% annual advisory fee for market-focused portfolio, 0.75-0.85% annual advisory fee for personal advice
Swap Fees (Overnight Financing)
NA
No
Statement or Document Fee
NA
$0
Account Opening Fee
$0
$0
Account Maintenance Fee
NA
$0
Deposit Fee
0.7% of the spot forex rate
$0- Bank transfer, Visa, Mastercard, or Maestro, 2% fee for deposits via Skrill.
Currency Conversion Fee
$0
0.50%
Withdrawal Fee
$0
$0 - above $50, £5 or $20 fee for withdrawals below £50 or $50
Bonuses, Promotions & Benefits
Bonuses, Promotions, and Referrals
Yes
Yes
Customer Benefits (e.g., Retirement Plan)
No
No
Trading Hours
Trading Hours (for each asset class if applicable)
opens at 9.30am and closes at 4pm local time (2.30pm-9pm London time)
22:00 on Sunday to 21:00 on Friday GMT.
Customer Support
Support Hours (e.g., 24/7, weekdays only)
24/7
(24/5)
Customer Support Methods (phone, email, live chat)
Live chat, Phone: +61 3 8658 0539, E-mail: [email protected]
Phone: +48 222 739 976, Live chat, E-mail: [email protected]
Support Languages
10+
10
Additional Information
Headquarters Location
Limassol, Cyprus
Poland
Complaints (for crypto brokers)
No
No
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