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) - Spread-only account | 1.06 | 0.7 |
| All-in Cost EUR/USD - Raw spread account | N/A | 0.67 |
| Non-wire bank transfer (Deposit/Withdraw) | 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 offers a wider overall range of investments than Capital.com, with 10,521 tradable symbols compared with 5,585. Both brokers let you trade forex and forex CFDs, but Capital.com has more currency pairs on offer, with 125 compared with XTB’s 71. XTB also stands out for investors who want access to real shares, since it offers exchange-traded securities on both U.S. and international markets, while Capital.com does not.
When it comes to crypto, both brokers offer cryptocurrency CFDs, but only XTB lets clients buy actual cryptocurrency. Neither broker supports copy trading. Overall, XTB earns 5 stars for Range of Investments and ranks 14th out of 36 brokers in ForexBrokers.com’s review, while Capital.com scores 4.5 stars and ranks 18th, making XTB the better pick for investors looking for a broader choice of markets and products.
| Feature |
XTB
|
Capital.com
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 10521 | 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) | Yes | 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 simple way to get started, with free demo accounts, a web-based platform, and their own in-house trading apps. Each broker also lets you place trades straight from a stock chart, which can make order entry quicker and easier. In ForexBrokers.com’s Trading Platforms and Tools category, both are rated 4.5 out of 5 stars, showing that each one offers a strong experience for everyday traders.
The main difference is flexibility on desktop and third-party platform support. Capital.com offers a Windows desktop download and supports both MetaTrader 4 and MetaTrader 5, while XTB does not offer those options. XTB does, however, still provide a browser platform and its own proprietary tools, so it may suit traders who prefer a simpler setup. In ForexBrokers.com’s ranking of 36 brokers, XTB places #9 and Capital.com comes in at #10 for trading platforms and tools.
| Feature |
XTB
|
Capital.com
|
|---|---|---|
| Virtual Trading (Demo) | Yes | Yes |
| Proprietary Desktop Trading Platform | Yes | Yes |
| Desktop Platform (Windows) | No | Yes |
| Web Platform | Yes | Yes |
| Copy Trading | No | No |
| MetaTrader 4 (MT4) | No | Yes |
| MetaTrader 5 (MT5) | No | Yes |
| Charting - Indicators / Studies (Total) | 92 | 97 |
| Charting - Trade From Chart | Yes | Yes |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
XTB and Capital.com both offer mobile trading apps for iPhone and Android, and each includes stock and forex price alerts, trendline drawing, and auto-saving for chart drawings. Both apps also share the same user rating for mobile trading, at 4.5 out of 5 stars, so in basic app access and core trading tools, the two brokers are evenly matched.
The biggest difference is in charting and watchlist syncing. XTB supports watchlist symbol syncing, so changes made in the mobile app and online account stay linked, while Capital.com does not. XTB also offers far more technical studies in its mobile charts, with 104 compared with Capital.com’s 30. That edge is reflected in third-party rankings too, where XTB places #8 for Mobile Trading Apps and Capital.com ranks #11 out of 36 brokers.
| Feature |
XTB
|
Capital.com
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Price Alerts | Yes | Yes |
| Mobile Watchlists - Syncing | Yes | No |
| Mobile Charting - Indicators / Studies | 104 | 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 useful market research features, including daily market commentary, a sentiment tool that shows long and short positioning, and an economic calendar for tracking global events. Neither broker includes research from Autochartist, Trading Central, TipRanks, or Acuity Trading, so their built-in research options are fairly similar in that respect.
The main difference is that Capital.com offers forex news from top-tier sources such as Bloomberg, Reuters, and Dow Jones, while XTB does not. Even so, XTB comes out ahead overall for research, with a 5-star rating and a #9 ranking out of 36 brokers, compared with Capital.com’s 4.5-star rating and #14 ranking.
| Feature |
XTB
|
Capital.com
|
|---|---|---|
| Daily Market Commentary (Articles) | Yes | Yes |
| Forex News (Top-Tier Sources) | No | 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 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 allows traders to buy both actual delivered cryptocurrency and cryptocurrency CFDs, while Capital.com offers cryptocurrency CFDs only and does not provide direct ownership of crypto assets.
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) | 10521 | 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) | Yes | 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) - Spread-only account | 1.06 | 0.7 | |
| All-in Cost EUR/USD - Raw spread account | N/A | 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 (Deposit/Withdraw) | No | No |
| Trading Platforms | XTB | Capital.com | |
|---|---|---|---|
| Proprietary Desktop Trading Platform | Yes | Yes | |
| Desktop Platform (Windows) | No | 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) | 92 | 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 | Yes | No | |
| Mobile Charting - Indicators / Studies | 104 | 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) | No | 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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