Capital.com Fees and Commissions Explained

Capital.com fees: overview

Capital.com is one of the most competitively priced brokers I've tested, and the fee structure is simple. There are no trading commissions on any product. What you pay to trade is the spread, which varies by market. Commission-free does not mean cost-free, though. Leveraged positions held overnight carry a funding charge, and a currency conversion fee applies when a trade settles in a currency other than your account's base. Those costs exist at every broker, and I break down each one below.

Universal CFD account

Capital.com keeps things simple with a single, universal account type, so there are no account tiers to compare or pricing levels to weigh up. Everyone trades on the same spreads and the same platforms. There is a Professional account, but that is a regulatory client category that affects your leverage and rebate eligibility, not your spreads or platform access. On top of the standard pricing, an active trader rebate can lower your costs further depending on your monthly volume and whether you trade as a retail or professional client. I cover how that rebate works in the spreads section below.

Capital.com spreads

Capital.com's pricing is competitive. With one universal account and no commissions, your cost on most positions is simply the spread. On EUR/USD, one of the most liquid pairs, that spread is low. On the test trade I opened, EUR/USD was quoting a 0.64-pip spread, which on a 10,000-unit position works out to about 64 cents. Spreads move through the day, though, so the figure that actually matters is the average. Capital.com's typical EUR/USD spread is around 0.7 pips, close to 70 cents at that same position size. Either way, it sits well below what many brokers charge once you combine their spread and any commission.

The Capital.com web platform layout provides transparent market pricing by displaying both the Bid and Ask prices directly within the asset list. Traders can observe the quoted spread before executing a trade, such as the 0.30 difference visible between the 4,119.36 Bid and 4,119.66 Ask prices for the Gold CFD, while adjusting their position size in the Capital.com order ticket panel.

Why average spreads matter

A single reading, like the 0.64 pips I happened to catch, only tells you what the market looked like at that moment. Many brokers advertise low minimum or "zero pip" spreads that show up for a fleeting instant and sit much higher the rest of the day. That is why our rankings use the average spread measured across a full month rather than a best-case snapshot. On that basis, Capital.com's roughly 0.7-pip EUR/USD average is among the tightest available, and it is the number to judge the broker on.

What low spreads save you

Small per-trade differences compound fast for active traders. Say you save half a pip per trade against another broker. On a 100,000-unit position, one standard lot, half a pip is about $5. That looks trivial on a single trade, but across 100 trades in a month it adds up to roughly $500. For a $10,000 account, that is 5% of your balance kept rather than paid away in spread, before you have made or lost anything on the trades themselves. Consistently low average spreads are a large part of why Capital.com scores well on cost.

Active trader rebates

Capital.com also runs a tiered rebate that refunds part of the spread you pay each month, lowering your effective cost further. It starts at 5% of the spread at the entry tier, which begins from zero monthly volume, and scales up to 20% at the top tier, around $150 million in monthly notional volume. The rebate is worth having if you trade in size, but it is not available to everyone. Eligibility depends on your country of residence and the entity that holds your account, and in the UK and EU, regulatory rules mean it is offered only to Professional clients.

Capital.com overnight fees

Capital.com charges overnight funding on leveraged CFD positions, and on knock-out options where available, that are held past the daily close at 21:00 UTC, which is 5pm in New York. This is standard across the industry. If you hold a leveraged position past that cutoff, you will see a small credit or debit on the trade for each night it stays open. Whether it lands as a credit or a debit depends on the position and the market, so it is worth understanding before you hold overnight.

How overnight funding works

Overnight funding is built from a benchmark interest rate, such as SOFR or SONIA, and Capital.com's own daily fee, applied to your position's full notional value. On forex, the direction of the charge also depends on the interest rate difference between the two currencies in the pair, which is why the same pair can cost you when held one way and pay you a small credit when held the other. So the adjustment can add to your account or subtract from it, depending on the market and the side you take.

What overnight fees cost in practice

On a small position the charge is easy to overlook. A 10,000-unit USD/JPY position, around $10,000 notional, worked out to roughly a $0.96 credit held long and a $1.78 cost held short at the time of my testing. That is negligible on a quick trade, but it repeats every night you hold.

On a larger position it adds up quickly. A $100,000 Bitcoin CFD held long cost about $61.64 a day, roughly 22.5% on an annualized basis, while the same position held short earned about $13.70. Held for weeks, that kind of carry can quietly erode a winning position, even when your trading gains or losses end up larger than the funding itself. Overnight funding is essentially the cost of using leverage, so it applies only when you trade on margin.

How to avoid overnight fees

There are two ways to avoid overnight funding. The simplest is to close leveraged positions before the 21:00 UTC cutoff, so nothing is held past the daily close. If you want to hold for longer, Capital.com's 1X feature lets you set an account to zero leverage. At 1X you trade unleveraged, which removes both the overnight charge and the risk of a margin call, at the cost of giving up leverage. That suits building a longer-term portfolio or holding a position for weeks, where avoiding the nightly funding matters more than leverage does. Note that in the U.K., there is a separate account for trading CFDs at 1X; users in other regions will need to go into their platform settings and adjust their leverage down to 1:1.

Capital.com inactivity fee

Capital.com does not charge an inactivity fee. It does reserve the right to close an account it considers dormant, which under its main entities means no trading for six months. Holding open positions counts as activity, so an account with live trades stays active even if you have not placed a new one in that window. The dormancy window is longer under some of Capital.com's other entities. Its Bahamas entity, regulated by the SCB, classifies an account as inactive after 12 months rather than six, and likewise charges no fee.

Capital.com currency conversion fee

A currency conversion fee applies when a trade settles in a currency other than your account's base currency. Say your account is in USD and you trade an asset priced in euros, such as France's CAC 40 index. Capital.com converts between USD and EUR when you open and again when you close, and a small conversion fee applies each way. The fee is not a separate line item. It is built into the exchange rate as a markup, so it is easy to miss unless you know to look for it.

The Capital.com trade confirmation receipt for a closed Bitcoin/USD CFD position details the full execution metrics of the transaction. For accounts denominated in a base currency different from the traded asset, the Capital.com ticket outlines the exact foreign exchange conversion rate applied to the final settlement, ensuring clarity regarding conversion costs.

How much the conversion fee is

The fee is a 0.7% markup for retail clients, reduced to 0.5% for Professional clients. It applies whenever profit, loss, overnight funding, dividends, or guaranteed stop-loss fees settle in a currency other than your base currency. When the instrument is priced in your base currency, there is no conversion fee at all.

Conversion fee example

Say a USD-denominated account closes a CAC 40 trade with a 10 EUR profit. At an EUR/USD rate of 1.1300, that profit is worth $11.30 before fees. Applying the 0.7% conversion markup brings the effective rate to about 1.1221, so the profit lands as $11.22, with the conversion fee coming to roughly $0.08 on this trade. Had the account been denominated in euros, there would have been no conversion and no fee.

How to avoid the conversion fee

The way to avoid it is to match your trading to your base currency. Where you can, trade instruments priced in your account currency, and fund and withdraw in that same currency so your bank does not add its own conversion on top. If you consistently trade a market priced in a different currency, it can be worth opening a second account denominated in that currency, since Capital.com does not let you change the base currency of an existing account. Weigh this against the opportunity, though. A strong setup in a foreign-currency market can easily be worth more than the small conversion cost of taking it.

Capital.com guaranteed stop-loss fee

A guaranteed stop-loss order, or GSLO, closes your position at exactly the price you set, even if the market gaps straight through that level. That removes the slippage risk a standard stop cannot protect against in fast or volatile conditions, and it matters most exactly when you are most exposed, such as to overnight gaps, news shocks, and thin liquidity moments. Capital.com charges a premium for this protection, but only if the GSLO is actually triggered.

The Capital.com order ticket for a Gold CFD includes an option to configure a Guaranteed Stop Loss Order. When the guaranteed stop loss is activated from the dropdown menu, the Capital.com interface displays the associated stop premium, shown here as a 0.03% charge that applies only if the protective stop level is triggered.

Why a guaranteed stop is different

A standard stop-loss becomes a market order once your level is reached, so it fills at the next available price. If the market gaps past your level and there is not enough liquidity to fill in between, that price can be well beyond where you intended to exit. Say you are long 10,000 EUR/USD at 1.1500 with a stop at 1.1450. A news shock drops the price from 1.1500 to 1.1300 in seconds. Your stop triggers at 1.1450, but the order may not fill until closer to 1.1300. You meant to risk 50 pips and instead lose 200 or more. Large gaps like that are rare, but smaller slippage during volatile periods is common. A GSLO removes that risk entirely by guaranteeing your exit price.

What a GSLO costs

Capital.com calculates the premium as the position's open price multiplied by the quantity and the premium rate, and it only charges you if the guaranteed stop is triggered. Say you open one gold contract at $2,000.30 with a guaranteed stop at $1,980 and a premium rate of 0.03%. If that stop is hit, you pay 0.03% times $2,000.30 times 1, which is about $0.60. That is 60 cents to guarantee your exit on a position a gap could otherwise blow through. The premium is always shown on the deal ticket before you commit, so you see the cost up front, and if the stop never triggers, you pay nothing.

Steven's take

"In my own trading, I would use a GSLO around news events, but only on a relatively large position where a gap could do real damage. On a small position, the protection has to be weighed against the premium."

Steven Hatzakis
Director of Online Broker Research

Capital.com deposit and withdrawal fees

Capital.com does not charge for deposits or withdrawals. It also does not add its own fee on international wires, though your bank may still charge for sending or receiving one. Opening or closing a live account is free, and so are demo accounts. Minimum deposits do apply, and they depend on the method: 20 EUR, USD, or GBP for bank cards, Apple Pay, and the other supported payment apps, and 50 for bank wires.

One tip that saves money

Deposit and withdraw in the same currency as your trading account. Funding in a different currency can trigger a currency conversion on your bank's side, sometimes as a dynamic currency conversion charge, on top of anything Capital.com applies on the trading side. Keeping everything in your base currency is an easy way to avoid that extra cost.

FAQs

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