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.
XTB, founded in 2002, is a publicly traded broker (not a bank) with 2 Tier-1 and 2 Tier-2 licenses. It holds a 96/99 Trust Score from ForexBrokers.com, placing it in the “highly trusted” band (90–99). Being exchange-listed and long established may appeal to traders who value extra transparency alongside strong licensing coverage.
Capital.com, launched in 2016, is privately held (also not a bank) and carries 3 Tier-1 and 3 Tier-2 licenses. Its 89/99 Trust Score sits in the “trusted” range (80–89). While Capital.com shows wider top-tier licensing by count, XTB earns the higher overall Trust Score; your choice may come down to preferring a listed veteran with a higher rating or a newer broker with broader Tier-1 and Tier-2 coverage.
| 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 | 3 |
| Tier-3 Licenses | 1 | 0 |
| Tier-4 Licenses | 2 | 2 |
XTB and Capital.com both offer pricing that is competitive, but Capital.com comes out ahead on commissions and fees. XTB has a spread-only Standard account and a commission-based Professional account for eligible clients in the U.K. and Europe, with EUR/USD spreads averaging 1 pip based on Q4 2023 data. Its pricing is about average overall, though the Standard account is usually the better choice for most retail traders, especially since the Professional account is being phased out in many regions. XTB also offers an active trader rebate program, known as Lower Spread Group, which can return 5% to 30% of spread costs based on trading volume. XTB is rated 4.5 out of 5 stars and ranked #13 out of 36 brokers for Commissions and Fees.
Capital.com has slightly better-than-average pricing and is generally the cheaper option for forex trading. It offers a universal retail account plus a professional account for qualifying traders, and its EUR/USD dynamic spread averaged 0.67 pips in April 2024, which is lower than the industry average. This makes Capital.com a strong pick for traders looking to keep trading costs down. Capital.com is rated 5 out of 5 stars and ranked #3 out of 36 brokers for Commissions and Fees.
In simple terms, if your main focus is lower trading costs, Capital.com has the edge over XTB. XTB still offers fair pricing and may appeal to active traders who can benefit from its spread rebates, but Capital.com’s lower average spread and higher ranking make it the stronger overall choice in this category.
| Feature |
XTB
|
Capital.com
|
|---|---|---|
| Minimum Deposit | $0 | $20 |
| Average spread (EUR/USD) - Standard account | 0.92 | 0.7 |
| All-in Cost EUR/USD - Active | 0.92 | 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, and both also offer cryptocurrency CFDs rather than actual crypto ownership. Neither broker supports copy trading or lets you buy delivered cryptocurrency. Where they differ most is in the wider investment menu: XTB lists 10,900 tradeable symbols, compared with 5,585 at Capital.com, and XTB also offers exchange-traded shares on both U.S. and international exchanges, such as Apple and Vodafone. Capital.com does not offer these exchange-traded securities.
Capital.com does have a larger selection of forex pairs, with 125 compared with XTB’s 71, so it may appeal more to traders focused mainly on currency markets. Still, for overall range of investments, XTB comes out ahead with a 5-star rating and a #14 ranking out of 36 brokers, while Capital.com is rated 4.5 stars and ranked #18.
| Feature |
XTB
|
Capital.com
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 10900 | 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 and Capital.com both give traders a wide choice of platform options, including a free demo account, their own in-house platform, a Windows desktop download, and a web-based platform you can use in your browser. Each broker also lets you trade directly from a stock chart, and both are rated 4.5 out of 5 stars for Trading Platforms and Tools. In ForexBrokers.com’s ranking of 36 brokers, XTB placed #9 and Capital.com came in at #10, putting them very close overall.
The main difference is that Capital.com supports both MetaTrader 4 and MetaTrader 5, while XTB does not offer either platform. Neither broker offers copy trading, so if that feature matters to you, you will need to look elsewhere. For traders who want a simple, flexible setup with desktop, web, and demo access, both brokers are strong choices, but Capital.com has the edge if you want MetaTrader support.
| 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 | Yes |
| 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 offer iPhone and Android apps, along with key mobile tools like stock and forex price alerts, trendline drawing, and auto-saving chart drawings. Each broker also earns a strong 4.5-star rating for mobile trading apps, so both are well suited for traders who want to manage positions on the go. One limitation to note is that neither app syncs watchlists with the online account, so changes made on mobile do not carry over automatically to the web platform.
Where XTB pulls ahead is in charting depth. Its mobile app includes 39 technical studies, compared with 30 at Capital.com, which may give active traders a little more flexibility when analyzing price movements on a phone or tablet. That extra charting range also helps explain XTB’s stronger mobile ranking from ForexBrokers.com, where it places #8 out of 36 brokers, versus Capital.com at #11 out of 36.
| 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.
XTB and Capital.com both give traders a strong mix of market research tools. Each one offers daily market commentary, forex news from major sources like Bloomberg and Reuters, a sentiment tool that shows long-versus-short positioning, and an economic calendar for tracking upcoming global events. Neither broker includes research from Autochartist, Trading Central, TipRanks, or Acuity Trading, so their research lineups are fairly similar in that respect.
Where they differ is in overall research recognition. XTB is rated 5 stars for research and ranks #9 out of 36 brokers at ForexBrokers.com, while Capital.com is rated 4.5 stars and ranks #14. In simple terms, both are good choices for staying informed, but XTB has the edge when it comes to market research quality and depth.
| 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 | No |
| Acuity Trading | No | No |
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
XTB and Capital.com both give beginners plenty of learning material, including at least 10 beginner trading videos and at least 10 advanced videos for more experienced users. XTB also stands out for forex and CFD education, with at least 10 learning pieces focused on those topics, and it offers live educational webinars at least once a month. Capital.com also provides forex and CFD education, but it does not offer monthly live webinars for clients.
When it comes to overall education quality, Capital.com is rated slightly higher by ForexBrokers.com, with 4.5 out of 5 stars and a #8 ranking out of 36 brokers, compared with XTB’s 5-star education rating and #11 ranking. For beginners who want a mix of videos, topic-based lessons, and regular webinars, XTB may feel a little more hands-on, while Capital.com still offers a strong set of educational tools, especially for self-paced learning.
| 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 #12.
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
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Capital.com
|
|---|---|---|
| Overall Rating |
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| Trust Score | 96 | 89 |
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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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0 of 5| Overall Rating | XTB | Capital.com | |
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| Trust Score | 96 | 89 | |
| Winner | check_circle | ||
| Review | XTB Review | Capital.com Review |
| Broker Screenshots | XTB | Capital.com | |
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| Regulation | XTB | Capital.com | |
|---|---|---|---|
| Trust Score | 96 | 89 | |
| Year Founded | 2002 | 2016 | |
| Publicly Traded (Listed) | Yes | No | |
| Bank | No | No | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | Yes | |
| Tier-1 Licenses | 2 | 3 | |
| Tier-2 Licenses | 2 | 3 | |
| Tier-3 Licenses | 1 | 0 | |
| Tier-4 Licenses | 2 | 2 |
| Tier-1 Licenses (Highly Trusted) | XTB | Capital.com | |
|---|---|---|---|
| Australia (ASIC Authorised) | No | Yes | |
| Canada (CIRO Authorised) | No | No | |
| Hong Kong (SFC Authorised) | No | No | |
| Japan (FSA Authorised) | No | No | |
| Singapore (MAS Authorised) | No | No | |
| Switzerland (FINMA Authorised) | |||
| United Kingdom (U.K.) (FCA Authorised) | Yes | Yes | |
| USA (CFTC Authorized) | No | No | |
| New Zealand (FMA Authorised) | No | No | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | Yes |
| Tier-2 Licenses (Trusted) | XTB | Capital.com | |
|---|---|---|---|
| Kenya (CMA Authorised) | Yes | ||
| Israel (ISA Authorised) | No | No | |
| South Africa (FSCA Authorised) | Yes | No | |
| UAE (DFSA, FSRA, or CMA Authorised) | Yes | Yes | |
| India (SEBI Authorised) | No | No | |
| Jordan (JSC Authorised) |
| Investments | XTB | Capital.com | |
|---|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes | |
| Tradeable Symbols (Total) | 10900 | 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). |
| Cost | XTB | Capital.com | |
|---|---|---|---|
| Average spread (EUR/USD) - Standard account | 0.92 | 0.7 | |
| All-in Cost EUR/USD - Active | 0.92 | 0.67 | |
| Inactivity Fee | Yes | No | |
| Order execution: Agency | Yes | No | |
| Order execution: Market Maker | Yes | Yes |
| Funding | XTB | Capital.com | |
|---|---|---|---|
| Minimum Deposit | $0 | $20 | |
| PayPal (Deposit/Withdraw) | Yes | Yes | |
| Skrill (Deposit/Withdraw) | Yes | Yes | |
| Bank Wire (Deposit/Withdraw) | Yes | Yes | |
| Non-wire bank transfer | No | No |
| Trading Platforms | XTB | Capital.com | |
|---|---|---|---|
| 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 | Yes | |
| cTrader | No | No |
| Trading Tools | XTB | Capital.com | |
|---|---|---|---|
| Virtual Trading (Demo) | Yes | Yes | |
| Price Alerts | Yes | Yes | |
| Charting - Indicators / Studies (Total) | 39 | 97 | |
| Charting - Trade From Chart | Yes | Yes | |
| Charts can be saved | Yes | Yes |
| Mobile Trading | XTB | Capital.com | |
|---|---|---|---|
| Android App | Yes | Yes | |
| Apple iOS App | Yes | Yes | |
| Mobile Price Alerts | Yes | Yes | |
| Mobile Watchlist [DELETED] | |||
| Mobile Watchlists - Syncing | No | No | |
| Mobile Charting - Indicators / Studies | 39 | 30 | |
| Mobile Charting - Draw Trendlines | Yes | Yes | |
| Mobile Charting - Trendlines Autosave | Yes | Yes | |
| Mobile Research - Economic Calendar | Yes | Yes |
| Research | XTB | Capital.com | |
|---|---|---|---|
| Daily Market Commentary (Articles) | Yes | Yes | |
| Forex News (Top-Tier Sources) | Yes | Yes | |
| Autochartist | No | No | |
| Trading Central | No | No | |
| TipRanks | No | No | |
| Client sentiment data | Yes | Yes | |
| Economic Calendar | Yes | Yes |
| Education | XTB | Capital.com | |
|---|---|---|---|
| Webinars | Yes | No | |
| Videos - Beginner Trading Videos | Yes | Yes | |
| Videos - Advanced Trading Videos | Yes | Yes |
| Major Forex Pairs | XTB | Capital.com | |
|---|---|---|---|
| GBP/USD [DELETED] | |||
| USD/JPY [DELETED] | |||
| EUR/USD | Yes | Yes | |
| USD/CHF [DELETED] | |||
| USD/CAD [DELETED] | |||
| NZD/USD [DELETED] | |||
| AUD/USD [DELETED] | |||
| Review | XTB Review | Capital.com Review |
| Overall | XTB | Capital.com | |
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| Trust Score | 96 | 89 | |
| Winner | check_circle | ||
| Review | XTB Review | Capital.com Review |
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