Updated September 29, 2026 · BrokerCue Editorial Team
Capital.com vs SoFi
What sets them apart
| Compare |  Capital.com |  SoFi |
|---|---|---|
| Minimum deposit | £20 | $0 |
| Account fee | £0 | $0 |
| Inactivity fee | £0 | $0 |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, Bonds, Spread betting | Stocks, ETFs, Options, Crypto |
| Regulators | FCA, Cyprus Securities and Exchange Commission (CySEC) | SIPC, FDIC |
| Investor protection | FSCS up to GBP 85,000 | SIPC up to USD 500,000 |
| Retail accounts that lose money | 65% | Not confirmed |
| 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 |
| Maximum retail leverage | 1:30 | Not confirmed |
Same on both: Stock trade fee ($0).
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Key differences
- Regulators: only Capital.com offers FCA, Cyprus Securities and Exchange Commission (CySEC).
- Regulators: only SoFi offers SIPC, FDIC.
- Founded is lower at SoFi: 2011 vs 2016.
- Capital.com is licensed in 1 more country.
- Markets: only Capital.com offers Forex, CFDs, Bonds.
- Markets: only SoFi offers Options.
- Features: only Capital.com offers Demo account.
- Features: only SoFi 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.
SoFi
SoFi suits retirement savers in the US, with a stock trade fee of $0, an account fee of $0 and a minimum deposit of $0. The named licences are US registrations, so readers outside the US should check the account types and terms first.
Score breakdown
| Area | Capital.com | SoFi |
|---|---|---|
| Cost | 9.2Account fee of £0, stock trade fee of $0 and no inactivity charge, with free deposits and withdrawals. | 9.5HigherRanks 1 of 161 on stock trade fee, 1 of 138 on account fee, 1 of 56 on inactivity fee. |
| Offer | 9.5Higher | 9.4 |
| Trust | 9.1 | 9.2Higher |
Where they rank in our lists
| Ranking | Capital.com | SoFi |
|---|---|---|
| Stock and ETF brokers | 56 of 490 | 71 of 490 |
| Low-fee brokers | 7 of 11 | 8 of 11 |
Feature by feature
| Markets | Capital.com | SoFi |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | No |
| CFDs | Yes | No |
| Options | No | Yes |
| Crypto | Yes | Yes |
| Bonds | Yes | No |
| Spread betting | Yes | No |
Every fact side by side
| Fact | Capital.com | SoFi |
|---|---|---|
| Features | Demo account, Mobile app | Crypto, Fractional shares, Mobile app |
| Pricing model | Commission free, Low feesCovers more | Commission free |
| Audience | Not confirmed | Beginners |
| Legal entity | CAPITAL VAULT LTD | SOFI SECURITIES LLC |
| Headquarters | Cyprus | United States |
| Founded | 2016 | 2011Lower |
| Support channels | Chat, Help centre | Not confirmed |
Robo-advisors
| Fact | Capital.com | SoFi |
|---|---|---|
| Portfolio types | Not confirmed | ETF, Cash, Crypto |
Where each stands against the rest
| Fact | Capital.com | SoFi | Median |
|---|---|---|---|
| Stock trade fee | $0at the median | $0at the median | $0 |
| Retail accounts that lose money | 65%lowest quarter | Not confirmed | 70.375% |
Median across 81 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.
SoFi
Pros
- A stock trade costs $0 on a commission free model, so cost does not decide which shares you can hold.
- The account fee is $0 and the inactivity fee is $0, so extra accounts and balances left untouched are not billed.
- The minimum deposit is $0 where Vantage asks $5, so a small amount can start an account.
Cons
- The account types listed are ira, roth ira and joint, retirement and joint accounts, and a general taxable account is not among them.
- Markets stop at stocks, etfs and options, while eToro lists stocks, etfs and forex, so forex, CFDs and futures are out of reach here.
- The group sits in US and its registrations are SIPC member 68389 and FDIC cert 26881, with no UK or EU regulator named.
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
SoFi
Who it suits
- Beginners, which the audience fact lists as beginners, who want to start small with a $0 minimum deposit.
- Retirement savers who want an IRA, a Roth IRA or a joint account at $0 in account fees.
- Fractional share buyers who want crypto and equities in the same app, as the feature list crypto, fractional shares and mobile app shows.
Who should look elsewhere
- Traders after forex, CFDs or futures, since eToro lists stocks, etfs and forex and SoFi lists stocks, etfs and options.
- Investors who want a broader spread of instruments than shares, ETFs, options and crypto, since CFI lists stocks, etfs and forex.
- Readers who need a UK or EU regulated provider, because the licences named are SIPC member 68389 and FDIC cert 26881.
Country by country
| Country | Capital.com | SoFi |
|---|---|---|
| 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.
SoFi
What does it cost to open and hold a SoFi account?+
The published minimum deposit is $0, the account fee is $0 and the inactivity fee is $0, so opening and holding an account adds no charge on the listed terms. Those are account level figures, which is the first thing to check before you choose a wrapper or leave a balance untouched.
What does a stock trade cost?+
A stock trade costs $0 and the pricing model is commission free, so commission does not decide which shares you can hold. Other brands on the site charge a stock trade fee as high as €17.54, and the account fee of $0 and inactivity fee of $0 add nothing on top.