Updated September 29, 2026 · BrokerCue Editorial Team
Capital.com vs Wealthify
Where Capital.com and Wealthify differ
| Compare |  Capital.com |  Wealthify |
|---|---|---|
| Minimum deposit | £20Lower | £1,000 |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, Bonds, Spread betting | Stocks, ETFs, Bonds, Funds |
| Regulators | FCA, Cyprus Securities and Exchange Commission (CySEC) | Financial Conduct Authority |
| Deposit and withdrawal fees | Free deposits and withdrawals | No fees for deposits, withdrawals or transfers |
| Platforms | Web platform, Mobile app, MT4, TradingView | Web, iOS app, Android app |
| Stock trade fee | $0 | Not confirmed |
| Account fee | £0 | Not confirmed |
| Inactivity fee | £0 | Not confirmed |
| Retail accounts that lose money | 65% | Not confirmed |
| Account types | Not confirmed | ISA, SIPP |
| Maximum retail leverage | 1:30 | Not confirmed |
Same on both: Investor protection (FSCS up to GBP 85,000).
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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 Wealthify offers Financial Conduct Authority.
- Minimum deposit is lower at Capital.com: £20 vs £1,000.
- Markets: only Capital.com offers Forex, CFDs, Crypto.
- Markets: only Wealthify offers Funds.
- Platforms: only Capital.com offers Web platform, Mobile app, MT4.
- Platforms: only Wealthify offers Web, iOS app, Android app.
- Support channels: only Wealthify offers Email, Phone.
- Features: only Capital.com offers Demo account.
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.
Wealthify
Wealthify suits UK beginners who want a managed portfolio rather than a dealing account, with a minimum investment of £1,000 to £5,000. The appeal is the managed approach and the ISA and SIPP choice; the drawback is a starting amount well above most rivals.
Score breakdown
| Area | Capital.com | Wealthify |
|---|---|---|
| Cost | 9.2HigherAccount fee of £0, stock trade fee of $0 and no inactivity charge, with free deposits and withdrawals. | 8.5Management fee of 0.6%, and a minimum investment running £1,000 to £5,000, both inside the robo-advisor field. |
| Offer | 9.5Higher | 9.4 |
| Trust | 9.1Higher | 8.7 |
Licences and countries
| Country | Capital.com | Wealthify |
|---|---|---|
| Cyprus | CySEC HE 354252 Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 984500C46B3B7B69Y904 | Not confirmed |
| United Kingdom | FCA 793714 | Not confirmed |
A third option
Spreadex has minimum deposit at £0, against £20 for Capital.com and £1,000 for Wealthify.
Spreadex reviewSources behind this comparison
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
Wealthify
- wealthify.com: 12 facts, checked September 26, 2026
How they place
| Ranking | Capital.com | Wealthify |
|---|---|---|
| Stock and ETF brokers | 65 of 471 | 190 of 471 |
Every fact side by side
| Fact | Capital.com | Wealthify |
|---|---|---|
| Features | Demo account, Mobile appCovers more | Mobile app |
| Pricing model | Commission free, Low feesCovers more | Low fees |
| Audience | Not confirmed | Beginners |
| Legal entity | CAPITAL VAULT LTD | Wealthify Limited |
| Headquarters | Cyprus | United Kingdom |
| Founded | 2016 | 2016 |
| Support channels | Chat, Help centre | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Capital.com | Wealthify | Median |
|---|---|---|---|
| Minimum deposit | £20at the median | £1,000highest quarter | £20 |
| 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 | Not confirmed | 72.21% |
Median across 92 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.
Wealthify
Pros
- A management fee of 0.6% sits below the 0.5% to 1.5% charged on Vivid Standard business plans.
- The whole account is reachable through Web, iOS app and Android app, so a phone and a browser cover it end to end.
- Support runs on email, chat and phone, putting phone and chat help alongside email.
Cons
- The minimum investment of £1,000 to £5,000 is well above the $100 entry point at Axos Invest, and Wealthify ranks 68 of 82 brands on this measure.
- The management fee of 0.6% is not the lowest available, since eToro charges a management fee of 0%.
- The account line-up covers isa and sipp only, with no joint, corporate or general investment account in the range.
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
Wealthify
Who it suits
- Beginners who want a portfolio chosen for them and an app in their hand, with Web, iOS app and Android app and an audience of beginners.
- Savers building an ISA or SIPP through isa and sipp who can clear a £1,000 to £5,000 minimum and prefer one recurring charge.
- Readers who value being able to ask a question, with email, chat and phone available across phone, chat and email.
Who should look elsewhere
- Anyone starting below £1,000 to £5,000: Axos Invest takes a managed portfolio minimum of $100, quoted in US dollars.
- Readers whose first question is the smallest ongoing charge: eToro's management fee is 0%.
- Traders who want to place their own orders: Wealthify runs the low fees managed model around portfolios in esg and cash rather than self-directed dealing.
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.
Wealthify
What does Wealthify charge?+
Wealthify charges a single management fee of 0.6% on the portfolio it manages, and the same fee applies to both account types in the range. Deposits, withdrawals and transfers are not charged either, so the recurring percentage is the number to hold on to when you compare. There is no order ticket to price on this account.
How much do I need to start with Wealthify?+
The minimum investment runs £1,000 to £5,000, and the minimum deposit is £1,000. That is a high starting point for a robo-advisor: Axos Invest quotes a managed portfolio minimum of $100 in US dollars, and the median minimum across the brands compared is €25. Anyone starting below Wealthify's threshold needs a different provider.
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