Updated September 29, 2026 · BrokerCue Editorial Team
Capital.com vs OANDA
What sets them apart
| Compare |  Capital.com |  OANDA |
|---|---|---|
| Minimum deposit | £20 | $0 |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, Bonds, Spread bettingCovers more | Stocks, ETFs, Forex, CFDs, Crypto, Bonds |
| Regulators | FCA, Cyprus Securities and Exchange Commission (CySEC) | FCA, CFTC |
| Retail accounts that lose money | 65% | 72% |
| Stock trade fee | $0 | Not confirmed |
| Account fee | £0 | Not confirmed |
| Inactivity fee | £0 | Not confirmed |
| Deposit and withdrawal fees | Free deposits and withdrawals | Not confirmed |
| Platforms | Web platform, Mobile app, MT4, TradingView | Not confirmed |
Same on both: Investor protection (FSCS up to GBP 85,000), Maximum retail leverage (1:30).
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
- OANDA scores higher overall: 9.5 vs 9.3.
- Regulators: only Capital.com offers Cyprus Securities and Exchange Commission (CySEC).
- Regulators: only OANDA offers CFTC.
- Founded is lower at OANDA: 1996 vs 2016.
- Markets: only Capital.com offers Spread betting.
- Support channels: only Capital.com offers Chat, Help centre.
- Support channels: only OANDA 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.
OANDA
OANDA fits traders who want to open an account without a minimum deposit and sit under regulators on both sides of the Atlantic. Its overall score is 8.4 with a cost score of 8.4, though the retail loss rate of 72% is a reminder that most balances do not survive the trading.
Score breakdown
| Area | Capital.com | OANDA |
|---|---|---|
| Cost | 9.2Account fee of £0, stock trade fee of $0 and no inactivity charge, with free deposits and withdrawals. | 9.7Higher |
| Offer | 9.5Higher | 9.3 |
| Trust | 9.1 | 9.5Higher |
Where they rank in our lists
| Ranking | Capital.com | OANDA |
|---|---|---|
| Stock and ETF brokers | 65 of 471 | 51 of 471 |
| Forex brokers | 28 of 147 | 20 of 147 |
| Low-spread forex brokers | 26 of 145 | 18 of 145 |
| CFD brokers | 22 of 122 | 16 of 122 |
What each covers
| Markets | Capital.com | OANDA |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | Yes |
| CFDs | Yes | Yes |
| Crypto | Yes | Yes |
| Bonds | Yes | Yes |
| Spread betting | Yes | No |
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
OANDA
- oanda.com: 4 facts, checked September 26, 2026
- brokersway.com: 3 facts, checked September 26, 2026
- tradingpedia.com: 3 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Capital.com | OANDA |
|---|---|---|
| Features | Demo account, Mobile app | Demo account, Mobile app |
| Pricing model | Commission free, Low fees | Not confirmed |
| Legal entity | CAPITAL VAULT LTD | OANDA TMS Brokers S.A. |
| Headquarters | Cyprus | United States |
| Founded | 2016 | 1996Lower |
| Support channels | Chat, Help centre | Email, Phone |
Where each stands against the rest
| Fact | Capital.com | OANDA | Median |
|---|---|---|---|
| Stock trade fee | $0at the median | Not confirmed | $0 |
| Account fee | £0at the median | Not confirmed | £0 |
| Retail accounts that lose money | 65%lowest quarter | 72%below the median | 72.05% |
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.
OANDA
Pros
- No minimum deposit: $0 means the account opens without putting money in first, and OANDA sits at the top of our minimum deposit ranking, ahead of Vantage and its $5.
- Regulated in Britain and the US: FCA and CFTC covers an FCA licence 542574 and a CFTC registration 0325821.
- UK balances sit under protection of FSCS up to GBP 85,000, which pays compensation if the firm cannot return the money.
Cons
- Support runs on email and phone only, which leaves anyone wanting a live chat desk looking at other brokers.
- A retail loss rate of 72% is no better than the site figure of 70.15%, so the risk sits at the sector norm.
- Retail leverage of 1:30 magnifies losses as quickly as gains, and a $0 entry point makes it easy to size positions too large.
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
OANDA
Who it suits
- Traders who want to open an account and start small: the minimum deposit of $0 removes the barrier to funding later.
- Anyone who checks regulators before depositing, since FCA and CFTC and protection of FSCS up to GBP 85,000 are both on record.
- Forex traders who also want shares, ETFs, CFDs, crypto and bonds under one roof: stocks, etfs and forex.
Who should look elsewhere
- Futures traders, who get a longer list at eToro, where stocks, etfs and forex adds futures to the stocks, etfs and forex on offer here.
- Traders who want nothing beyond shares, ETFs, forex, CFDs and crypto, since CFI's stocks, etfs and forex covers that core without the bonds.
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.
OANDA
What is the minimum deposit for an OANDA account?+
OANDA lists a minimum deposit of $0, so you can open an account without funding it and add money later. On our minimum deposit ranking that places OANDA at position 1 of 213 brands, well clear of the field. Vantage, by contrast, asks for $5 before trading starts.
How is my money protected if something goes wrong?+
UK clients sit under investor protection of FSCS up to GBP 85,000, the compensation paid if the firm cannot return the balance. The regulator behind that cover is named in FCA and CFTC, and the FCA licence number is 542574. US clients fall under the CFTC registration, 0325821, which is a separate arrangement.
Other options to compare
Other matchups
- Capital.com vs Exness
- Capital.com vs iFOREX
- Capital.com vs Plus500
- Capital.com vs FxPro
- Capital.com vs VT Markets
- Capital.com vs BMO InvestorLine
- Capital.com vs ChoiceTrade
- Capital.com vs IC Markets
- Capital.com vs IG
- Capital.com vs Freedom24
- Capital.com vs Saxo
- Capital.com vs Swissquote
- Capital.com vs ActivTrades
- Capital.com vs XTB
- OANDA vs NAGA
- Capital.com vs Mintos
- Capital.com vs Bitpanda
- Capital.com vs Robinhood
- OANDA vs Kraken
- Capital.com vs CapTrader
- Capital.com vs BlackBull Markets