Updated September 29, 2026 · BrokerCue Editorial Team
Capital.com vs flatex Online-Broker (DE)
Where Capital.com and flatex Online-Broker (DE) differ
| Compare |  Capital.com |  flatex Online-Broker (DE) |
|---|---|---|
| Stock trade fee | $0 | €5.90 |
| Account fee | £0 | €0 |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, Bonds, Spread betting | Stocks, ETFs, Forex, CFDs, Options, Crypto, Bonds, Funds, Metals |
| Regulators | FCA, Cyprus Securities and Exchange Commission (CySEC) | BaFin |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Deposit and withdrawal fees | Free deposits and withdrawals | Free |
| Platforms | Web platform, Mobile app, MT4, TradingView | Web, Mobile |
| Minimum deposit | £20 | Not confirmed |
| Inactivity fee | £0 | Not confirmed |
| Retail accounts that lose money | 65% | Not confirmed |
| Currency conversion fee | Not confirmed | 0.4% |
| Account types | Not confirmed | Joint |
| Maximum retail leverage | 1:30 | Not confirmed |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Capital.com scores higher overall: 9.3 vs 8.8.
- Regulators: only Capital.com offers FCA, Cyprus Securities and Exchange Commission (CySEC).
- Regulators: only flatex Online-Broker (DE) offers BaFin.
- Capital.com is licensed in 1 more country.
- Markets: only Capital.com offers Spread betting.
- Markets: only flatex Online-Broker (DE) offers Options, Funds, Metals.
- Platforms: only Capital.com offers Web platform, Mobile app, MT4.
- Platforms: only flatex Online-Broker (DE) offers Web, Mobile.
- Support channels: only Capital.com offers Chat.
- Support channels: only flatex Online-Broker (DE) offers Email, Phone.
Our verdict on each
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.
flatex Online-Broker (DE)
flatex suits investors who prefer a flat fee per trade and no account charge. A stock trade costs €5.90, the account fee is €0 and deposits and withdrawals are free, so holding an account costs nothing beyond each order placed.
Score breakdown
| Area | Capital.com | flatex Online-Broker (DE) |
|---|---|---|
| Cost | 9.2HigherAccount fee of £0, stock trade fee of $0 and no inactivity charge, with free deposits and withdrawals. | 8.8Account fee of €0, a flat €5.90 per stock trade and free deposits. |
| Offer | 9.5Higher | 9.2 |
| Trust | 9.1Higher | 8.6 |
Feature by feature
| Markets | Capital.com | flatex Online-Broker (DE) |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | Yes |
| CFDs | Yes | Yes |
| Options | No | Yes |
| Crypto | Yes | Yes |
| Bonds | Yes | Yes |
| Funds | No | Yes |
| Metals | No | Yes |
| Spread betting | Yes | No |
Licences and countries
| Country | Capital.com | flatex Online-Broker (DE) |
|---|---|---|
| Cyprus | CySEC HE 354252 Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 984500C46B3B7B69Y904 | Not confirmed |
| Germany | Not confirmed | |
| United Kingdom | FCA 793714 | Not confirmed |
Positions in our rankings
| Ranking | Capital.com | flatex Online-Broker (DE) |
|---|---|---|
| Stock and ETF brokers | 65 of 471 | 178 of 471 |
| Forex brokers | 28 of 147 | 75 of 147 |
| Low-spread forex brokers | 26 of 145 | 73 of 145 |
| CFD brokers | 22 of 122 | 63 of 122 |
Where these facts come from
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
flatex Online-Broker (DE)
- flatex.de: 9 facts, checked September 26, 2026
- brokerchooser.com: 3 facts, checked September 26, 2026
- en.wikipedia.org: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Capital.com | flatex Online-Broker (DE) |
|---|---|---|
| Features | Demo account, Mobile app | Crypto, Demo account, Mobile appCovers more |
| Pricing model | Commission free, Low feesCovers more | Low fees |
| Legal entity | CAPITAL VAULT LTD | flatexDEGIRO SE |
| Headquarters | Cyprus | Germany |
| Founded | 2016 | Not confirmed |
| Support channels | Chat, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Capital.com | flatex Online-Broker (DE) | Median |
|---|---|---|---|
| Minimum deposit | £20at the median | Not confirmed | £20 |
| Retail accounts that lose money | 65%lowest quarter | Not confirmed | 72.05% |
| Currency conversion fee | Not confirmed | 0.4%below the median | 0.45% |
Median across 47 listed brokers.
Pros and cons
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.
flatex Online-Broker (DE)
Pros
- No account fee: €0 on the standard account.
- Deposits and withdrawals are free: free.
- A flat stock trade fee of €5.90 rather than a percentage, with currency exchange at 0.4%.
Cons
- The stock trade fee of €5.90 is higher than most rivals, where the site median is €0.
- Only a joint account type is listed in joint, so there is no ISA or SIPP wrapper for UK investors.
- Support runs on email, phone and help centre only, with no live chat listed.
Who each suits
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
flatex Online-Broker (DE)
Who it suits
- Investors in Germany who want a flat fee per trade and no account charge
- Long-term stock, ETF, fund and bond holders rather than active traders
- Anyone who needs crypto, forex, CFDs and options under the same account
Who should look elsewhere
- Day traders, who pay €5.90 on every small order where eToro charges $0
- UK investors after an ISA or SIPP wrapper, since joint lists a joint account only
Current offers
flatex Online-Broker (DE)
Current offer
Bonus
20 commission-free trades on account opening: 20 trades
upon account opening
Source, checked September 26, 2026
Country by country
| Country | Capital.com | flatex Online-Broker (DE) |
|---|---|---|
| Germany | No | Yes |
Questions about each
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.
flatex Online-Broker (DE)
What does it cost to trade a stock at flatex?+
A stock trade costs €5.90 per order, the same flat rate on every trade size. There is no account fee, at €0, so holding an account adds nothing to the bill. For comparison, the typical broker charges €0 per stock trade.
Is there any account or inactivity fee?+
The account fee is €0, so there is nothing to pay for holding the account open. No separate inactivity charge appears in the available details. Across the brokers listed, the highest account fee reaches €219.24.
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