Updated September 29, 2026 · BrokerCue Editorial Team
BMO InvestorLine vs Capital.com
BMO InvestorLine vs Capital.com: the differences
| Compare |  BMO InvestorLine |  Capital.com |
|---|---|---|
| Stock trade fee | CA$0 | $0 |
| Account fee | CA$0 | £0 |
| Inactivity fee | CA$0 | £0 |
| Markets | Stocks, ETFs, Options, Bonds, Funds | Stocks, ETFs, Forex, CFDs, Crypto, Bonds, Spread betting |
| Deposit and withdrawal fees | $0 EFT, $10 wire | Free deposits and withdrawals |
| Minimum deposit | Not confirmed | £20 |
| Regulators | Not confirmed | FCA, Cyprus Securities and Exchange Commission (CySEC) |
| Investor protection | Not confirmed | FSCS up to GBP 85,000 |
| Retail accounts that lose money | Not confirmed | 65% |
| Currency conversion fee | 0.4% to 1.6% | Not confirmed |
| Margin rate | 8.75% | Not confirmed |
| Options contract fee | CA$0.90 | Not confirmed |
| Platforms | Not confirmed | Web platform, Mobile app, MT4, TradingView |
| Maximum retail leverage | Not confirmed | 1:30 |
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Key differences
- BMO InvestorLine scores higher overall: 9.4 vs 9.3.
- Founded is lower at BMO InvestorLine: 1988 vs 2016.
- Markets: only BMO InvestorLine offers Options, Funds.
- Markets: only Capital.com offers Forex, CFDs, Crypto.
- Support channels: only BMO InvestorLine offers Phone.
- Support channels: only Capital.com offers Help centre.
- Features: only BMO InvestorLine offers Options.
- Features: only Capital.com offers Demo account.
- Pricing model: only Capital.com offers Low fees.
Our verdict on each
BMO InvestorLine
BMO InvestorLine suits Canadian investors who want a bank-backed broker without account or inactivity charges, trading stocks and ETFs commission free. What sets it apart is the pairing of a CAD 0 stock trade fee with a CAD 0 account fee, though currency conversion and options add cost.
Capital.com
Capital.com suits traders who want one account across shares, forex, CFDs, crypto and bonds without a monthly or inactivity charge. UK clients sit under FCA regulation with FSCS protection of FSCS up to GBP 85,000. The minimum deposit of £20 is the only cost barrier, above CFI at $0.
Score breakdown
| Area | BMO InvestorLine | Capital.com |
|---|---|---|
| Cost | 9.2Commission-free stock and ETF trades, no account fee and no inactivity fee, with options and margin priced separately at CAD 0.90 and 8.75%. | 9.2Account fee of £0, stock trade fee of $0 and no inactivity charge, with free deposits and withdrawals. |
| Offer | 9.2 | 9.5Higher |
| Trust | 9.6Higher | 9.1 |
Pick BMO InvestorLine if, pick Capital.com if
Pick BMO InvestorLine if trust matter most.
Pick Capital.com if offer matter most.
Sources behind this comparison
BMO InvestorLine
- finder.com: 5 facts, checked September 26, 2026
- newsroom.bmo.com: 3 facts, checked September 26, 2026
- hellosafe.ca: 2 facts, checked September 26, 2026
- stockwatch.com: 1 fact, checked September 26, 2026
- wowa.ca: 1 fact, checked September 26, 2026
Capital.com
- capital.com: 5 facts, checked September 26, 2026
- investingreviews.co.uk: 4 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- forexrev.com: 2 facts, checked September 26, 2026
- sashares.co.za: 2 facts, checked September 26, 2026
How they place
| Ranking | BMO InvestorLine | Capital.com |
|---|---|---|
| Stock and ETF brokers | 43 of 490 | 56 of 490 |
| Low-fee brokers | 6 of 11 | 7 of 11 |
Every fact side by side
| Fact | BMO InvestorLine | Capital.com |
|---|---|---|
| Features | Mobile app, Options | Demo account, Mobile app |
| Pricing model | Commission free | Commission free, Low feesCovers more |
| Legal entity | Not confirmed | CAPITAL VAULT LTD |
| Headquarters | Not confirmed | Cyprus |
| Founded | 1988Lower | 2016 |
| Support channels | Phone, Chat | Chat, Help centre |
Where each stands against the rest
| Fact | BMO InvestorLine | Capital.com | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | £20below the median | £25 |
| Retail accounts that lose money | Not confirmed | 65%lowest quarter | 70.375% |
| Currency conversion fee | 0.4% to 1.6%at the median | Not confirmed | 0.4 |
| Margin rate | 8.75%below the median | Not confirmed | 8.79% |
| Options contract fee | CA$0.90at the median | Not confirmed | CA$0.90 |
Median across 38 listed brokers.
Pros and cons
BMO InvestorLine
Pros
- Stock and ETF trades cost CAD 0 and the account fee is CAD 0, so holding a portfolio costs nothing.
- The inactivity fee is CAD 0, so an untouched account is not charged.
- Support runs on phone and chat, giving a phone line and live chat.
Cons
- Margin borrowing is priced at 8.75%, so a leveraged position carries a borrowing cost.
- Options contracts carry a fee of CAD 0.90 each.
- Currency conversion is the hidden cost, at 0.4% to 1.6%, and deposits and withdrawals run $0 EFT, $10 wire.
Capital.com
Pros
- No account fee at all, which puts it joint first on that measure in our data (£0).
- No inactivity charge, also joint first in our data, so an unused balance is not quietly billed (£0).
- Stock trades cost $0 under a commission-free model.
Cons
- The minimum deposit of £20 is far higher than CFI, which asks for $0.
- Support runs on chat and help centre, so there is no phone line for questions about a leveraged position.
- Retail accounts lose 65% of money, and the market is open around the clock.
Who each suits
BMO InvestorLine
Who it suits
- Investors who want a long term stock, ETF, bond and fund portfolio without a standing account charge.
- Traders who mainly trade Canadian equities and want phone and chat support for questions.
- Anyone already inside a bank relationship who values a long operating history.
Who should look elsewhere
- Day traders who live in currencies other than the Canadian dollar and would feel the 0.4% to 1.6% on every conversion.
- Options buyers who place frequent contracts and would pay CAD 0.90 each time.
- Leveraged traders, because margin costs 8.75%.
Capital.com
Who it suits
- Traders who want shares, forex, CFDs, crypto and bonds in one account
- UK residents who want FSCS protection alongside a CySEC regulated entity
- People who keep a balance and would otherwise pay inactivity fees
Who should look elsewhere
- eToro, if you want a social platform with copy trading
- Vantage, if you would rather start from a smaller deposit of $5
Questions about each
BMO InvestorLine
How much does it cost to open and hold a BMO InvestorLine account?+
The account fee is CAD 0 and the inactivity fee is CAD 0, so there is no standing or dormant charge on the account. Stock and ETF trades themselves cost CAD 0. The costs that do appear are on currency conversion, options and margin.
What does it cost to trade a stock or an ETF?+
Stock and ETF trades are commission free, priced at CAD 0. The platform is listed as a commission-free model. Costs appear elsewhere: currency conversion at 0.4% to 1.6%, options at CAD 0.90 per contract, and margin at 8.75%.
Capital.com
What is the minimum deposit at Capital.com?+
The minimum deposit is £20 in the UK. That is higher than CFI at $0 and Vantage at $5. Clients who want a smaller opening balance may prefer a rival on that measure.
What does it cost to open and hold an account?+
There is no account fee, so the account costs £0. There is also no inactivity charge, at £0. Both rank the brand joint first on our data, so an unused balance is not billed.