Written by ForexBrokers.com
In this head to head comparison of XTB vs Capital.com, we will compare the trading platforms, mobile apps, range of investments, costs, market research, and more. Let's dive in.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 51% and 89% of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
When comparing online brokers XTB and Capital.com, both companies boast impressive regulatory backgrounds, though they differ slightly in terms of trust ratings and company status. Founded in 2002, XTB has a longer history in the financial markets and is a publicly traded entity, which often implies additional layers of transparency. It holds 2 Tier-1 licenses and 2 Tier-2 licenses, contributing to its high Trust Score of 96 on ForexBrokers.com. Meanwhile, Capital.com, established in 2016, is not publicly traded but demonstrates a strong regulatory standing with 3 Tier-1 licenses and 1 Tier-2 license, earning it a Trust Score of 87, indicating it is trusted.
Despite these distinctions, neither XTB nor Capital.com operates as a bank, which is fairly common for online brokers focusing on trading services rather than traditional banking. The fact that both entities adhere to high regulatory standards, with multiple Tier-1 and Tier-2 licenses, ensures they provide a competitive and secure platform for users. In terms of trust, XTB holds a slightly higher rating, marking it as highly trusted, while Capital.com remains firmly trusted, making both viable choices for traders prioritizing regulatory compliance and trust.
| Feature |
XTB
|
Capital.com
|
|---|---|---|
| Year Founded | 2002 | 2016 |
| Publicly Traded (Listed) | Yes | No |
| Bank | No | No |
| Tier-1 Licenses | 2 | 3 |
| Tier-2 Licenses | 2 | 1 |
| Tier-3 Licenses | 1 | 0 |
| Tier-4 Licenses | 2 | 2 |
Comparing XTB vs Capital.com on commissions and fees, Capital.com comes out cheaper on typical forex trades while XTB sits closer to the industry average. Capital.com earns 5 stars and ranks #3 out of 63 brokers for Commissions and Fees at ForexBrokers.com. XTB earns 4.5 stars and ranks #12 out of 63. If low spreads on EUR/USD are your priority, Capital.com’s pricing is generally more attractive; if you want volume-based rebates and a simple, spread-only setup, XTB has a clear value proposition.
XTB offers a spread-only Standard account for retail traders and a commission-based Professional account that’s largely being phased out and is limited to qualifying elective professionals in select regions. Using Q4 2023 data, the average EUR/USD spread at XTB was 1 pip. Minimum deposits start at 250 base currency (GBP, EUR, or USD). For most retail traders, the Standard account is the practical choice; pricing between Standard and Pro narrows at higher volumes, but the Standard account tends to be cheaper for smaller trade sizes. Active traders can unlock XTB’s Lower Spread Group rebates, returning 5% to 30% of the spread once monthly volumes hit 20 to 1,000 lots.
Capital.com uses a universal retail account with tight, floating spreads and an optional professional account for eligible traders (note that professional status reduces regulatory protections). In April 2024, Capital.com’s average EUR/USD spread was about 0.6712 pips, which is lower than the industry average and typically below XTB’s published average. This lean spread structure helps Capital.com deliver consistently low trading costs for frequent forex traders.
| Feature |
XTB
|
Capital.com
|
|---|---|---|
| Minimum Deposit | $0 | $10 |
| Average spread (EUR/USD) - Standard account | 1.00 | 0.67 |
| All-in Cost EUR/USD - Active | 1.00 | 0.67 |
| Non-wire bank transfer | No | No |
| PayPal (Deposit/Withdraw) | Yes | Yes |
| Skrill (Deposit/Withdraw) | Yes | Yes |
| Bank Wire (Deposit/Withdraw) | Yes | Yes |
Dive deeper: Best Low Spread Forex Brokers.
XTB and Capital.com both let you trade forex as CFDs or spot, and each offers crypto via CFDs (but not actual coins). XTB lists 7,184 tradeable symbols, while Capital.com offers 5,585. If you care most about forex breadth, Capital.com has the edge with 125 currency pairs versus 71 at XTB. Neither broker offers copy trading.
For stock investing, XTB stands out by providing access to real shares on U.S. and international exchanges (so you can buy companies like Apple and Vodafone outright), whereas Capital.com does not offer share dealing on those exchanges. In independent ratings for Range of Investments, XTB scores 5 stars and ranks 15th out of 63, while Capital.com earns 4.5 stars and ranks 23rd. In short, XTB suits those who want a large selection including real stocks, and Capital.com fits traders who prioritize more forex pairs and CFD-based markets.
| Feature |
XTB
|
Capital.com
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 7184 | 5585 |
| Forex Pairs (Total) | 71 | 125 |
| U.S. Stocks (Shares) | Yes | No |
| Global Stocks (Non-U.S. Shares) | Yes | No |
| Copy Trading | No | No |
| Cryptocurrency (Underlying) | No | No |
| Cryptocurrency (CFDs) | Yes | Yes |
| Disclaimers | Note: Crypto CFDs are not available to retail traders from any broker's U.K. entity, nor to U.K. residents (except to Professional clients). | Note: Crypto CFDs are not available to retail traders from any broker's U.K. entity, nor to U.K. residents (except to Professional clients). |
Dive deeper: Best Copy Trading Platforms.
XTB vs Capital.com: both brokers offer a free demo (paper trading) account, their own proprietary platforms, a Windows desktop download, and a web-based platform. Each lets you place trades directly from charts, and neither offers copy trading.
The key difference is MetaTrader. XTB does not support MT4 or MT5, while Capital.com supports MT4 (but not MT5). For Trading Platforms and Tools, both are rated 4.5 out of 5 stars; ForexBrokers.com ranks XTB #9 of 63 brokers and Capital.com #10. Pick XTB if you’re happy with an in-house platform across desktop and web, or choose Capital.com if MT4 access is important to you alongside a proprietary platform.
| Feature |
XTB
|
Capital.com
|
|---|---|---|
| Virtual Trading (Demo) | Yes | Yes |
| Proprietary Desktop Trading Platform | Yes | Yes |
| Desktop Platform (Windows) | Yes | Yes |
| Web Platform | Yes | Yes |
| Copy Trading | No | No |
| MetaTrader 4 (MT4) | No | Yes |
| MetaTrader 5 (MT5) | No | No |
| Charting - Indicators / Studies (Total) | 39 | 97 |
| Charting - Trade From Chart | Yes | Yes |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
XTB and Capital.com both deliver polished mobile trading experiences on iPhone and Android. Each app earns 4.5 stars for Mobile Trading Apps from ForexBrokers.com, though XTB is ranked #8 out of 63 brokers while Capital.com is #11. Both apps support price alerts, so you can stay on top of stock and forex moves while on the go.
For charting, XTB offers 39 technical studies compared with Capital.com’s 30. Both apps let you draw trendlines, and your drawings will auto-save. One shared limitation is watchlist symbol syncing: changes made in the mobile app do not sync with the online account for either broker. If a larger set of built-in indicators matters to you, XTB has the edge; otherwise, the day-to-day mobile features are closely matched.
| Feature |
XTB
|
Capital.com
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Price Alerts | Yes | Yes |
| Mobile Watchlists - Syncing | No | No |
| Mobile Charting - Indicators / Studies | 39 | 30 |
| Mobile Charting - Draw Trendlines | Yes | Yes |
| Mobile Charting - Trendlines Autosave | Yes | Yes |
Dive deeper: Best Forex Trading Apps.
When comparing the market research offerings of XTB and Capital.com, both brokers provide daily market commentary and access to forex news from top-tier sources like Bloomberg and Reuters. Additionally, each platform offers sentiment-based trading tools that illustrate the ratio of long and short positions across various instruments. While neither broker supplies technical analysis tools from Autochartist or Trading Central, they both include economic calendars showing key global events. However, when it comes to individual research services, Capital.com distinguishes itself by offering market research from TipRanks, a feature that XTB lacks.
XTB is rated five stars for research, ranking 7th out of 63 brokers on ForexBrokers.com, whereas Capital.com receives a 4.5-star rating and holds the 14th spot. This information suggests that while both platforms provide solid market research features, XTB slightly edges out with a higher overall ranking and star rating, making it a preferred choice for those seeking top-tier research capabilities. Nonetheless, each broker caters to different needs, offering traders valuable insights for making informed trading decisions.
| Feature |
XTB
|
Capital.com
|
|---|---|---|
| Daily Market Commentary (Articles) | Yes | Yes |
| Forex News (Top-Tier Sources) | Yes | Yes |
| Autochartist | No | No |
| Trading Central | No | No |
| Client sentiment data | Yes | Yes |
| TipRanks | No | Yes |
| Acuity Trading | No | No |
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
XTB and Capital.com both make it easy for beginners to learn trading. Each offers at least 10 beginner-friendly videos and a deeper set of advanced lessons, so you can start simple and progress as you gain confidence. A key difference is live classes: XTB runs online client webinars at least once a month, letting newcomers hear from educators and ask questions in real time, while Capital.com does not currently host monthly educational webinars. If you prefer a self-paced video library, both work well; if you want live guidance, XTB stands out.
Independent ratings reflect this. ForexBrokers.com rates XTB’s education 5 out of 5 stars and Capital.com 4.5 out of 5. In its Education category ranking out of 63 brokers, Capital.com places #8 and XTB #11. In short, pick XTB if live webinars plus a top score matter most; choose Capital.com if a highly ranked, video-heavy learning path suits you. Both provide broad coverage of trading topics, including forex and CFDs, for first-time traders.
| Feature |
XTB
|
Capital.com
|
|---|---|---|
| Webinars | Yes | No |
| Videos - Beginner Trading Videos | Yes | Yes |
| Videos - Advanced Trading Videos | Yes | Yes |
Dive deeper: Best Forex Brokers for Beginners.
After testing 63 of the best forex brokers, our research and account testing finds that XTB is better than Capital.com. XTB finished with an overall rank of #7, while Capital.com finished with an overall rank of #10.
As a trusted multi-asset broker, XTB offers outstanding customer service, a wide variety of forex and CFDs, and an excellent overall trading experience. Its xStation 5 trading platform is well-designed and packed with innovative features, and XTB’s offers comprehensive educational content and market research.
| Feature |
XTB
|
Capital.com
|
|---|---|---|
| Overall Rating |
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| Trust Score | 96 | 87 |
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XTB vs Capital.com: neither broker lets you buy actual (delivered) cryptocurrencies, but both allow trading cryptocurrency CFDs.
XTB vs Capital.com: Both brokers support PayPal, Skrill, and bank wire deposits and withdrawals, do not offer ACH or SEPA transfers, and have no specified information on Visa or Mastercard card funding.
Please note:
We review each broker’s overall global offering – a “Yes” checkmark in our Compare Tool does not guarantee the availability of any specific features in your country of residence. To verify the availability of any features within your country of residence, please contact the broker directly.
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| Trust Score | 96 | 87 | |
| Winner | check_circle | ||
| Review | XTB Review | Capital.com Review |
| Broker Screenshots | XTB | Capital.com | |
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