Capital.com Review for 2022

Franklin Silva| Updated January 18th, 2022

Hi investors, here is our honest review of Capital.com to help you see if it is a good fit for your investing needs.

We recommend Capital.com for people looking for a reputable CFDs trading platform. It has low spreads on Forex and Stocks CFDs and excellent customer support. On the downside, it is missing some common products such as ETFs, Options and Bonds. It also may be overwhelming for beginners to get used to, but many learning materials help you get up to speed quickly.

Capital.com is an award-winning broker with a massive base of +1,000,000 clients and operating in over 50 countries.

Want to know more about Capital.com? Here’s what we’ll cover:

Capital.com Review

1. Capital.com Overview

Founded in 2016, Capital.com is a fintech company committed to building the world’s best trading experience. They utilise AI-enabled technology and integrations with the likes of Trading view to offer a unique trading platform. Capital.com have offices in the UK, Cyprus, Gibraltar, Belarus and Australia.

With a strong presence in Europe, they are Authorised and Regulated by the Financial Conduct Authority (FCA), the National Bank of the Republic of Belarus (NBRB) and the Cyprus Security and Exchange Commission (CySEC). They are also regulated in Australia by the Australian Securities and Investments Commission (ASIC).

Clients of Capital.com will primarily have access to CFDs on Shares, Indices, Cryptos and Commodities, and Forex. Depending on your country of origin, you may also have access to over 1,000 markets within real stocks and spread betting. See the ‘Products and Markets’ section for further details.

Capital.com Review

2. Pros and Cons

Pros

  • Commission-free real stocks trading for Germany, UK and French investors (through iOS/Android App only)
  • Spread betting available for the UK and Irish customers
  • Easy to open an account
  • Demo Account
  • Minimum deposit of €20
  • Extended trading hours
  • Lots of educational content
  • Strong customer support

Cons

  • The product offering is still limited to CFDs in most countries (missing ETFs, bonds and other real assets)
  • To trade real stocks, users have to contact customer support to open a separate account for that purpose
  • It may be overwhelming for beginners
  • Not available in United States, Canada, Belgium, Spain and other countries

Capital.com Review

4. Trading Platform

Capital.com is available via mobile app, web trader or desktop app (only for CySEC regulated markets).

The mobile app’s user experience is excellent and is straightforward to use when you are on the move. Price alerts can be set on any stocks you are invested in or keeping an eye on with a click of a button. You also can opt to have push notifications on your mobile for significant market movements, portfolio-related news and other important events.

The web trader may be more overwhelming for beginners, but Capital.com have simplified the language and terminology with beginners in mind. For example, instead of a ‘limit order’, they changed the wording to “buy when the price is”.

The discover section is well designed and gives the user a very concise but helpful snapshot of the market. At a glance, you can see what stocks are most traded, most volatile, the biggest risers/fallers, and read the latest news. One downside of the web trader is that you cannot set any price alerts.

The web trading platform has a lot of functionality compared to other brokers. Capital.com have integrated with Trading View to offer advanced charting (over 70 different Technical indicators available).

Capital.com Review – Web Trading Platform

Finally, Capital.com also has a desktop app that is powered by Metatrader 4. This is only an option available to clients in CySEC regulated markets and may be more suited to advanced traders. The additional benefit of the desktop is that MT4 allows you to highly customise your individual trading preferences and automate trading using algorithms.

Investing requires emotional intelligence as well as technical knowledge. Now and then, we all need a little help to know when we are making investment decisions based on emotional biases. Capital.com has integrated a unique AI technology feature into the platform to analyse your trading behaviour to help you make more profitable trading decisions. This may be a valuable tool for new investors to understand better the emotional aspect of investing.

Capital.com’s news feeds is very useful, allowing you to find all the relevant news stories for your research stocks. There are lots of bite-sized stories to help you see what is happening in the markets.

Another great feature of the trading platform is that you can trade outside market hours. Extended trading hours allows you to trade between 04:10 – 20:00 EST making this a suitable app for clients in many different time zones.

In terms of order types, you can execute market orders, limit orders and stop losses on Capital.com. Some order types missing from the platform are trailing stop losses and OCO (One Cancels the Other).

Capital.com Review – Limit Order

Capital.com Review

5. Products and Markets

The products offered by Capital.com are limited, and what you can trade will be dependent on where you are in the world. Some standard products are not available on Capital.com, such as ETFs, Options and Bonds.

See below a breakdown of product offerings in each geographical area:

Products

Countries accepted

CFDs on Shares, Indices, Crypto, Forex and Commodities

Available in all countries where Capital.com operates

Real Stocks (Mobile App only – iOS/Android)

Germany, France and UK

Spread betting

UK and Ireland

Capital.com presents a general statement about commission-free real stocks: “Available for FCA and CySEC clients”. However, when you contact the support team, you notice that it only applies to German, UK and French investors:

Capital.com Review – Real Stock Account

Besides, to get a real stock trading account with capital.com, you must contact customer support to forward your request to the relevant department. Once you get your real stock trading account, it will be added as a separate account under your current profile using the same e-mail address (if you already have a CFD account with them).

It is the first time we have encountered such a “messy” procedure to access stocks. We feel that clarity should be added. It would improve the users’ experience and save some time to its customer support for other pertinent issues.

Concerning spread betting, it is only currently for UK and Ireland clients. Spread betting is a way of speculating on the upward or downward movement of the market. The key benefit being is that the profits are completely tax-free.

Capital.com have a wide range of CFDs available to its clients, including CFDs on Stocks, Indices, Commodities, Forex and Crypto.

CFDs

Further detail on each category

Stocks

Over 3,600 different stocks

Indices

22 Indices including the FTSE 100, S&P 500 and Euro Stoxx 50 indices

Commodities

21 Commodities including Brent Crude Oil, Gold and Silver, Natural Gas

Crypto

Popular Cryptocurrencies such as Bitcoin, Ethereum, Doge, Cardano and many more

Forex

138 currency pairs

Note for UK clients: the FCA banned crypto derivatives as of January 2021.

Fractional shares (a portion of a share) is available for popular stocks like Amazon. This way, investors with small capital can still have exposure to stocks with high share prices. Still, this one is quite tricky because fractional are mixed with CFDs. Indeed, a fractional share works the same manner as a CFD on any asset since it is a derivative contract (bilateral agreement between you and the broker) whose performance is linked to an underlying price development. In the same way as a CFD, you do not have ownership of the underlying asset.

Capital.com Review

6. Fees snapshot

Capital.com has no fees on trades, deposits or withdrawals, which are all free. There are also no fees charged to your account for inactivity and even no currency conversion fees!

Capital.com makes its money in two ways: spreads and overnight fees. The spread is the difference in the price you can buy and sell products on the trading platform.

Here is how the spreads on Capital.com compares with its competitors:

Capital.com Review – Competitors Analysis

The overnight fees are charged when trading with leverage which will be approximately 2-3% above the overnight rate charged by the central bank. This fee is only charged on the leverage provided.

Here’s an example of how to calculate the overnight premium on a long CFD position.

Capital.com Review – Overnight fees

Capital.com Review

7. Safety and Regulation

Capital.com have several safety measures in place to protect clients. These include:

  • Regulated Broker: Regulated by the Financial Conduct Authority (FCA) in the UK, the National Bank of the Republic of Belarus (NBRB), the Cyprus Security and Exchange Commission (CySEC) and Australian Securities and Investments Commission (ASIC).
  • Investor Protection Schemes: which compensates your investments (assets) up to a certain amount if Capital.com goes bankrupt:
    • £85K for clients covered by UK regulation (under FCA);
    • €20k for clients in the EEA and some other selected countries (under CySEC).
  • Negative Balance Protection: this protection ensures that you can’t lose any more than you deposit to your account (only applicable to retail investors).
  • Segregated funds: Capital.com keeps its clients’ money in segregated bank accounts to avoid any exposure to unexpected financial difficulties arising in the company.
  • Two-factor Authentication
  • Data protection: Capital.com place a strong emphasis on protecting your data and information.

Capital.com Review

8. Supported countries

Capital.com accepts clients from 183 countries around the world. Some notable exceptions include the United States and Canada.

Capital.com Review

9. Customer Support

Having strong customer support is very important for any broker. Capital.com has partnered with customer support experts Zendesk who offer multiple different resources and options for clients to troubleshoot issues, log tickets, and speak directly to representatives.

You can contact customer support through multiple different channels. Capital.com have a 24/7 live chat, you can also speak to them through e-mail, WhatsApp, Viber, Telegram and Facebook Messenger. We have tested their e-mail support, and the replies came within an hour!

They also have a bank of articles on common issues and questions clients have.

Capital.com Review for 2022 7

Capital.com Review – Customer Support Page

Capital.com Review

10. Customer Reviews

Here is what clients of Capital.com think about the trading platform. It is rated 4.8 on the Apple App Store, 4.2 on the Google store and has a Trust Pilot rating of 4.

Capital.com Review for 2022 8

Capital.com Review – Customer Reviews

Capital.com Review

11. The Bottom Line

Retail investors have more choice than ever when it comes to deciding what broker to invest with. It is essential to consider what features are most important to helping you achieve your investing goals. That may be the products offered, safety, fees and additional tools to help your analysis.

Capital.com is a good choice for all kinds of investors: although it may be a steep learning curve for beginners at the start, there is plenty of learning materials and supports to get you up to speed quickly. You have commission-free trading and investing tools, including an AI-powered coach, to help you make the best investing decisions.

With the Demo Account, you can easily explore the platform for yourself and see if it is right for you.

Was this review helpful? Did it help you make your decision regarding opening a Capital.com account? Let us know your feedback!

Disclaimer: Investing in financial products involves taking risks. Your investments may increase or decrease in value, and losses may exceed the value of your original investment. Past performance is not an indication of future results.