Updated September 29, 2026 · BrokerCue Editorial Team
Capital.com vs M1
What sets them apart
| Compare |  Capital.com |  M1 |
|---|---|---|
| Minimum deposit | £20 | $0 |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, Bonds, Spread bettingCovers more | Stocks, ETFs, Crypto |
| Regulators | FCA, Cyprus Securities and Exchange Commission (CySEC) | SIPC |
| Investor protection | FSCS up to GBP 85,000 | SIPC up to USD 500,000 |
| Maximum retail leverage | 1:30 | Up to 50% of portfolio value |
| Account fee | £0 | Not confirmed |
| Inactivity fee | £0 | Not confirmed |
| Retail accounts that lose money | 65% | Not confirmed |
| Margin rate | Not confirmed | 5.9% |
| Deposit and withdrawal fees | Free deposits and withdrawals | Not confirmed |
| Platforms | Web platform, Mobile app, MT4, TradingView | Not confirmed |
| Account types | Not confirmed | IRA, Roth IRA, Joint |
| Interest on cash | Not confirmed | 3.35% |
Same on both: Stock trade fee ($0).
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Key differences
- Capital.com scores higher overall: 9.3 vs 9.0.
- Regulators: only Capital.com offers FCA, Cyprus Securities and Exchange Commission (CySEC).
- Regulators: only M1 offers SIPC.
- Founded is lower at M1: 2015 vs 2016.
- Capital.com is licensed in 1 more country.
- Markets: only Capital.com offers Forex, CFDs, Bonds.
- Support channels: only Capital.com offers Chat.
- Features: only Capital.com offers Demo account.
- Features: only M1 offers Crypto, Fractional shares.
- Pricing model: only Capital.com offers Low fees.
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.
M1
M1 is a low-cost brokerage built for retirement savers and small investors who want shares, ETFs and crypto in a single account. Stock trades run at $0 and it places 1 of 213 brands on minimum deposit, though the managed portfolios want $10,000 to start.
Score breakdown
| Area | Capital.com | M1 |
|---|---|---|
| Cost | 9.2Account fee of £0, stock trade fee of $0 and no inactivity charge, with free deposits and withdrawals. | 9.5Higher |
| Offer | 9.5Higher | 9.0Costs carry the offer: 0% management fee, $0 stock trades and a $0 minimum deposit. |
| Trust | 9.1Higher | 8.6 |
Which one suits you
Pick Capital.com if offer, trust, and markets matter most.
Pick M1 if cost matter most.
Side by side, item by item
| Markets | Capital.com | M1 |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | No |
| CFDs | Yes | No |
| Crypto | Yes | Yes |
| Bonds | Yes | No |
| Spread betting | Yes | No |
Positions in our rankings
| Ranking | Capital.com | M1 |
|---|---|---|
| Stock and ETF brokers | 65 of 471 | 145 of 471 |
What we checked
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
M1
- m1.com: 7 facts, checked September 26, 2026
- sipc.org: 3 facts, checked September 26, 2026
- millennialmoneyman.com: 2 facts, checked September 26, 2026
- thecollegeinvestor.com: 2 facts, checked September 26, 2026
- bestroboadvisors.org: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Capital.com | M1 |
|---|---|---|
| Features | Demo account, Mobile app | Crypto, Fractional shares, Mobile app |
| Pricing model | Commission free, Low feesCovers more | Commission free |
| Legal entity | CAPITAL VAULT LTD | M1 FINANCE LLC |
| Headquarters | Cyprus | United States |
| Founded | 2016 | 2015Lower |
| Support channels | Chat, Help centreCovers more | Help centre |
Robo-advisors
| Fact | Capital.com | M1 |
|---|---|---|
| Management fee | Not confirmed | 0% |
| Minimum investment | Not confirmed | $10,000 |
| Portfolio types | Not confirmed | ETF, Cash, Crypto |
Where each stands against the rest
| Fact | Capital.com | M1 | Median |
|---|---|---|---|
| Stock trade fee | $0at the median | $0at the median | $0 |
| Account fee | £0at the median | Not confirmed | £0 |
| Retail accounts that lose money | 65%lowest quarter | Not confirmed | 72.05% |
| Margin rate | Not confirmed | 5.9%below the median | 8.75% |
| Interest on cash | Not confirmed | 3.35%above the median | 3% |
Median across 91 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.
M1
Pros
- Placing 1 of 213 brands on minimum deposit, so an account opens without a funding hurdle.
- Placing 1 of 161 brands on stock trade fees, with a stock trade costing $0.
- Uninvested cash earns 3.35%, and Pie portfolios mix etf, cash and crypto.
Cons
- Margin borrowing at 5.9% can cost more over a held position than the $0 trade fee saves.
- Support runs on help centre only, with no phone or live chat listed.
- Managed portfolios want $10,000 to start, well above the $0 brokerage entry point.
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
M1
Who it suits
- Self-directed investors who want to trade shares and ETFs without a per-trade charge.
- Retirement savers, since accounts include ira, roth ira and joint.
- People who want crypto alongside equities in the same account, under stocks, etfs and crypto.
Who should look elsewhere
- Traders who need forex, CFDs or futures, since eToro lists stocks, etfs and forex and M1 stops at stocks, etfs and crypto.
- Readers who want a wider asset list in the same app, because CFI covers stocks, etfs and forex.
- Managed portfolio buyers starting below $10,000, a floor that sits well above the $5 deposit Vantage asks to open an account.
Country by country
| Country | Capital.com | M1 |
|---|---|---|
| United States | 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.
M1
What does it cost to trade shares at M1?+
Stock trades cost $0 and the account opens with a $0 minimum deposit, so there is no per-trade commission and no funding hurdle. The running cost sits in the spread and in currency conversion when shares priced in dollars are bought. Margin borrowing is charged at 5.9% and is the line most likely to run up a bill.
Is my money protected at M1?+
Protection runs through the scheme listed as SIPC, with cover stated as SIPC up to USD 500,000. It is the only regulator on file, so there is a single scheme to claim against and a single register to check. The membership record reads SIPC member 69670. The stated figure is a ceiling on the payout, not a stand-in for the balance itself.
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