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 | 0 | 0 |
| Tier-4 Licenses | 2 | 2 |
When comparing the commissions and fees of XTB and Capital.com, both brokers provide competitive offerings, but with distinct differences. XTB provides two account types: a spread-only Standard account and a commission-based Professional account, catered primarily to professional traders in the U.K. and Europe. It aligns with industry standards but falls short of the top-tier brokers in terms of pricing. For the EUR/USD currency pair, XTB's average spread stands at 1 pip. Although the Pro account is being phased out, the Standard account remains advantageous for retail traders. XTB also offers an active trader discount, where traders can earn back a portion of the spread through its Lower Spread Group program.
Capital.com, on the other hand, boasts a more favorable pricing model slightly better than the industry average, with a dynamic spread averaging 0.67 pips for the EUR/USD pair, which is confirmed at 0.6712 pips for April 2024. This makes Capital.com particularly appealing for those seeking low-cost forex trading. Capital.com also provides a universal account option for retail traders and a professional account for those who qualify, although professional clients miss out on some regulatory protections.
In terms of rankings and ratings, XTB achieves 4.5 out of 5 stars in the Commissions and Fees category, placing it 11th out of 63 brokers as per ForexBrokers.com. In contrast, Capital.com excels with a full 5-star rating, earning the 3rd spot in the same category, indicating a slightly superior offering in terms of commissions and fees.
| Feature |
XTB
|
Capital.com
|
|---|---|---|
| Minimum Deposit | $0 | $10 |
| Average Spread EUR/USD - Standard | 1.00 | 0.67 |
| All-in Cost EUR/USD - Active | 1.00 | 0.67 |
| Active Trader or VIP Discounts | No | Yes |
| ACH or SEPA Transfers | No | No |
| PayPal (Deposit/Withdraw) | Yes | Yes |
| Skrill (Deposit/Withdraw) | Yes | Yes |
| Visa/Mastercard (Credit/Debit) | Yes | Yes |
| Bank Wire (Deposit/Withdraw) | Yes | Yes |
Dive deeper: Best Low Spread Forex Brokers.
When comparing XTB and Capital.com in terms of their investment offerings, both brokers allow for forex trading through CFDs, providing users flexible access to currency markets. XTB offers an impressive collection of 7,184 tradeable symbols, compared to Capital.com's 5,585, which means XTB might be a better choice for those seeking a wider range of investment options. However, for those specifically interested in forex pairs, Capital.com leads the way with 125 pairs, surpassing XTB's 71 pairs, which could appeal to forex-focused investors.
Further differences arise in stock trading on US and international exchanges. XTB allows clients to buy exchange-traded securities such as shares of Apple and Vodafone, providing more direct exposure to these markets. In contrast, Capital.com lacks this offering, limiting users to CFD trading. Neither broker provides copy trading or the option to directly buy cryptocurrencies, but both support trading cryptocurrency derivatives. When evaluated by ForexBrokers.com, XTB scores slightly higher, receiving 5 stars for its range of investments and ranking 14th out of 63 brokers, which indicates a broader and potentially more appealing selection for various trading interests. Meanwhile, Capital.com, with a solid 4.5-star rating and a rank of 21st, remains a robust contender, especially for forex traders.
| Feature |
XTB
|
Capital.com
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 7184 | 5585 |
| Forex Pairs (Total) | 71 | 125 |
| U.S. Stock Trading (Non CFD) | Yes | No |
| Int'l Stock Trading (Non CFD) | Yes | No |
| Social Trading / Copy Trading | No | No |
| Cryptocurrency (Physical) | No | No |
| Cryptocurrency (Derivative) | 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.
When comparing the trading platforms and tools of XTB and Capital.com, both brokers provide a user-friendly experience with some distinct features. Both XTB and Capital.com offer free virtual demo accounts, which are ideal for practicing trades without financial risk. Each broker has developed their own proprietary platform and provides a Windows-based desktop application as well as a web-based platform for trading. However, when it comes to third-party platforms, Capital.com supports MetaTrader 4 (MT4), which many traders favor, while XTB does not offer any MetaTrader support. Neither broker supports copy trading services like DupliTrade or ZuluTrade.
In terms of charting tools and customization, Capital.com stands out with 60 drawing tools compared to XTB's 32. Both platforms allow users to trade directly from stock charts, adding to the seamless trading experience. The watchlist features differ slightly, as XTB offers 8 columns for customization while Capital.com provides 11. Despite these differences, both platforms receive a solid 4.5-star rating for their tools and features. In a wider industry comparison, XTB is ranked slightly higher at #9, with Capital.com close behind at #10, showcasing the strong reputation both brokers hold among the competition.
| Feature |
XTB
|
Capital.com
|
|---|---|---|
| Virtual Trading (Demo) | Yes | Yes |
| Proprietary Platform | Yes | Yes |
| Desktop Platform (Windows) | Yes | Yes |
| Web Platform | Yes | Yes |
| Social Trading / Copy Trading | No | No |
| MetaTrader 4 (MT4) | No | Yes |
| MetaTrader 5 (MT5) | No | No |
| DupliTrade | No | No |
| ZuluTrade | No | No |
| Charting - Indicators / Studies (Total) | 39 | 97 |
| Charting - Drawing Tools (Total) | 32 | 60 |
| Charting - Trade From Chart | Yes | Yes |
| Watchlists - Total Fields | 8 | 11 |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
If you're choosing between XTB and Capital.com for mobile trading, both platforms offer solid apps for iPhone and Android devices. Each provides features like stock and forex price alerts, the ability to draw trendlines, and automatic saving of chart annotations. They also support viewing different time frames on charts and allow you to create real-time watchlists. However, both lack the ability to sync watchlist symbols across their apps and online accounts, meaning those changes need to be managed manually.
In terms of charting capabilities, XTB offers 39 technical studies compared to Capital.com's 30, potentially making it a more attractive choice for traders who rely on detailed analysis. Despite this, both apps sit well with users, each receiving an impressive 4.5-star rating. However, XTB edges out slightly in rankings, taking the 8th spot for mobile trading apps according to ForexBrokers.com, while Capital.com is ranked 11th out of 63 brokers.
| Feature |
XTB
|
Capital.com
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Alerts - Basic Fields | Yes | Yes |
| Watchlist Syncing | No | No |
| Mobile Charting - Indicators / Studies | 39 | 30 |
| Mobile Charting - Draw Trendlines | Yes | Yes |
| Mobile Charting - Multiple Time Frames | Yes | Yes |
| Mobile Charting - Drawings Autosave | Yes | Yes |
| Mobile Watchlist | 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 | Yes | Yes |
| Forex News (Top-Tier Sources) | Yes | Yes |
| Autochartist | No | No |
| Trading Central (Recognia) | No | No |
| Social Sentiment - Currency Pairs | Yes | Yes |
| TipRanks | No | Yes |
| Signal Centre (Acuity Trading) | No | No |
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
When assessing the educational resources designed for beginners, XTB and Capital.com both provide substantial content on forex and CFDs, each offering over ten valuable educational materials such as articles, videos, and archived webinars. While both brokers offer comprehensive video libraries for beginner and advanced traders, XTB stands out by hosting monthly online educational webinars, which Capital.com does not. Additionally, XTB maintains a searchable archive of recorded webinars, a feature they share with Capital.com, ensuring learners have easy access to past sessions.
However, when it comes to providing an investor dictionary, Capital.com takes the lead with a collection of over 50 investing terms, a resource XTB does not offer. As per ratings, XTB is awarded a slightly higher score of five stars for education, compared to Capital.com's 4.5 stars. Interestingly, despite this, Capital.com holds a higher position in ForexBrokers.com's education ranking, sitting at #8, while XTB is ranked at #11. Thus, both brokers cater well to beginners, each with unique strengths that cater to different learning preferences.
| Feature |
XTB
|
Capital.com
|
|---|---|---|
| Education (Forex or CFDs) | Yes | Yes |
| Client Webinars | Yes | No |
| Client Webinars (Archived) | Yes | Yes |
| Videos - Beginner Trading Videos | Yes | Yes |
| Videos - Advanced Trading Videos | Yes | Yes |
| Investor Dictionary (Glossary) | No | 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
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Capital.com
|
|---|---|---|
| Overall Rating |
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| Trust Score | 96 | 87 |
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Both XTB and Capital.com do not provide the option to purchase actual (delivered) cryptocurrency, but they do offer the ability to trade cryptocurrency derivatives.
Both XTB and Capital.com do not support ACH or SEPA transfers for depositing or withdrawing funds, but they both offer options such as PayPal, Skrill, Visa, Mastercard, and bank wire transfers.
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 | 87 | |
| 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 | 87 | |
| 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 | 1 | |
| Tier-3 Licenses | 0 | 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 (SFC Authorised) | No | No | |
| Singapore (MAS Authorised) | No | No | |
| Switzerland (FINMA Authorised) | No | No | |
| 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) | No | No | |
| Israel (ISA Authorised) | No | No | |
| South Africa (FSCA Authorised) | Yes | No | |
| UAE (DFSA/Central Bank Authorised) | Yes | No | |
| India (SEBI Authorised) | No | No | |
| Jordan (JSC Authorised) | No | No |
| Investments | XTB | Capital.com | |
|---|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes | |
| Tradeable Symbols (Total) | 7184 | 5585 | |
| Forex Pairs (Total) | 71 | 125 | |
| U.S. Stock Trading (Non CFD) | Yes | No | |
| Int'l Stock Trading (Non CFD) | Yes | No | |
| Social Trading / Copy Trading | No | No | |
| Cryptocurrency (Physical) | No | No | |
| Cryptocurrency (Derivative) | 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 | 1.00 | 0.67 | |
| All-in Cost EUR/USD - Active | 1.00 | 0.67 | |
| Active Trader or VIP Discounts | No | Yes | |
| Inactivity Fee | Yes | Yes | |
| Execution: Agency Broker | Yes | No | |
| Execution: Market Maker | Yes | Yes |
| Funding | XTB | Capital.com | |
|---|---|---|---|
| Minimum Deposit | $0 | $10 | |
| PayPal (Deposit/Withdraw) | Yes | Yes | |
| Skrill (Deposit/Withdraw) | Yes | Yes | |
| Visa/Mastercard (Credit/Debit) | Yes | Yes | |
| Bank Wire (Deposit/Withdraw) | Yes | Yes | |
| ACH or SEPA Transfers | No | No |
| Trading Platforms | XTB | Capital.com | |
|---|---|---|---|
| Proprietary Platform | Yes | Yes | |
| Desktop Platform (Windows) | Yes | Yes | |
| Web Platform | Yes | Yes | |
| Social Trading / Copy Trading | No | No | |
| MetaTrader 4 (MT4) | No | Yes | |
| MetaTrader 5 (MT5) | No | No | |
| cTrader | No | No | |
| DupliTrade | No | No | |
| ZuluTrade | No | No |
| Trading Tools | XTB | Capital.com | |
|---|---|---|---|
| Virtual Trading (Demo) | Yes | Yes | |
| Alerts - Basic Fields | Yes | Yes | |
| Watchlists - Total Fields | 8 | 11 | |
| Charting - Indicators / Studies (Total) | 39 | 97 | |
| Charting - Drawing Tools (Total) | 32 | 60 | |
| 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 Alerts - Basic Fields | Yes | Yes | |
| Mobile Watchlist | Yes | Yes | |
| Watchlist Syncing | No | No | |
| Mobile Charting - Indicators / Studies | 39 | 30 | |
| Mobile Charting - Draw Trendlines | Yes | Yes | |
| Mobile Charting - Multiple Time Frames | Yes | Yes | |
| Mobile Charting - Drawings Autosave | Yes | Yes | |
| Mobile Economic Calendar | Yes | Yes |
| Research | XTB | Capital.com | |
|---|---|---|---|
| Daily Market Commentary | Yes | Yes | |
| Forex News (Top-Tier Sources) | Yes | Yes | |
| Autochartist | No | No | |
| Trading Central (Recognia) | No | No | |
| TipRanks | No | Yes | |
| Social Sentiment - Currency Pairs | Yes | Yes | |
| Economic Calendar | Yes | Yes |
| Education | XTB | Capital.com | |
|---|---|---|---|
| Education (Forex or CFDs) | Yes | Yes | |
| Client Webinars | Yes | No | |
| Client Webinars (Archived) | Yes | Yes | |
| Videos - Beginner Trading Videos | Yes | Yes | |
| Videos - Advanced Trading Videos | Yes | Yes | |
| Investor Dictionary (Glossary) | No | Yes |
| Major Forex Pairs | XTB | Capital.com | |
|---|---|---|---|
| GBP/USD | Yes | Yes | |
| USD/JPY | Yes | Yes | |
| EUR/USD | Yes | Yes | |
| USD/CHF | Yes | Yes | |
| USD/CAD | Yes | Yes | |
| NZD/USD | Yes | Yes | |
| AUD/USD | Yes | Yes | |
| Review | XTB Review | Capital.com Review |
| Overall | XTB | Capital.com | |
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| Trust Score | 96 | 87 | |
| Winner | check_circle | ||
| Review | XTB Review | Capital.com Review |
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