Updated September 29, 2026 · BrokerCue Editorial Team
Capital.com vs XTB
Where Capital.com and XTB differ
| Compare |  Capital.com |  XTB |
|---|---|---|
| Minimum deposit | £20 | €0 |
| Stock trade fee | $0 | €0 |
| Account fee | £0 | €0 |
| Inactivity fee | £0 | €10 |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, Bonds, Spread bettingCovers more | Stocks, ETFs, Forex, CFDs, Crypto |
| Regulators | FCA, Cyprus Securities and Exchange Commission (CySEC) | Cyprus Securities and Exchange Commission (CySEC), FCA, KNFCovers more |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Retail accounts that lose money | 65% | 77% |
| Deposit and withdrawal fees | Free deposits and withdrawals | Free deposits; free withdrawals above 100 EUR/USD |
| Platforms | Web platform, Mobile app, MT4, TradingView | XStation 5, XStation Mobile |
| Currency conversion fee | Not confirmed | 0.5% |
Same on both: Maximum retail leverage (1:30).
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Key differences
- Regulators: only XTB offers KNF.
- Founded is lower at XTB: 2002 vs 2016.
- XTB is licensed in 1 more country.
- Markets: only Capital.com offers Bonds, Spread betting.
- Platforms: only Capital.com offers Web platform, Mobile app, MT4.
- Platforms: only XTB offers XStation 5, XStation Mobile.
- Support channels: only Capital.com offers Help centre.
- Support channels: only XTB offers Email, Phone.
- Features: only XTB offers Crypto.
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.
XTB
XTB suits retail traders who want to hold stocks, ETFs, forex, CFDs and crypto under one Cyprus-based account without a monthly charge. The account fee is €0, deposits cost nothing, and CySEC, FCA and KNF authorisations sit behind a legal entity founded in 2002.
Score breakdown
| Area | Capital.com | XTB |
|---|---|---|
| Cost | 9.2HigherAccount fee of £0, stock trade fee of $0 and no inactivity charge, with free deposits and withdrawals. | 9.1 |
| Offer | 9.5Higher | 9.3 |
| Trust | 9.1 | 9.6Higher |
Positions in our rankings
| Ranking | Capital.com | XTB |
|---|---|---|
| Stock and ETF brokers | 65 of 471 | 3 of 471 |
| Forex brokers | 28 of 147 | 2 of 147 |
| Low-spread forex brokers | 26 of 145 | 2 of 145 |
| CFD brokers | 22 of 122 | 2 of 122 |
What each covers
| Markets | Capital.com | XTB |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | Yes |
| CFDs | Yes | Yes |
| Crypto | Yes | Yes |
| Bonds | Yes | No |
| Spread betting | Yes | No |
Sources 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
XTB
- xtb.com: 10 facts, checked September 26, 2026
- hello-brokers.com: 5 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- eupersonalfinance.eu: 1 fact, checked September 26, 2026
- linkedin.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Capital.com | XTB |
|---|---|---|
| Features | Demo account, Mobile app | Demo account, Mobile app, CryptoCovers more |
| Pricing model | Commission free, Low fees | Commission free, Low fees |
| Audience | Not confirmed | Beginners |
| Legal entity | CAPITAL VAULT LTD | XTB Limited |
| Headquarters | Cyprus | Cyprus |
| Founded | 2016 | 2002Lower |
| Support channels | Chat, Help centre | Email, Chat, Phone |
Where each stands against the rest
| Fact | Capital.com | XTB | Median |
|---|---|---|---|
| Retail accounts that lose money | 65%lowest quarter | 77%highest quarter | 72.05% |
| Currency conversion fee | Not confirmed | 0.5%above 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.
XTB
Pros
- Account fee of €0 on the standard account, and stock trades cost €0.
- Minimum deposit of €0, so the account opens without a funding floor.
- Regulated by CySEC, the FCA and KNF across Cyprus, the UK and Poland.
Cons
- An inactivity fee of €10 applies, unlike eToro, which has no such charge.
- Forex and CFD trading is not cost free: fx trading costs 0.5%.
- CFDs carry a high proportion of losing retail accounts, and XTB's own figure is 77%.
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
XTB
Who it suits
- Retail traders in the UK and Europe who want stocks, ETFs, forex, CFDs and crypto in one account
- Beginners who want a demo account and a mobile app before committing money
- Cost conscious traders who will not hold a balance large enough to trigger the inactivity fee
Who should look elsewhere
- Vantage, if a small minimum deposit of $5 suits a smaller starting balance better
- CFI, for traders who want forex and CFDs without paying an fx charge of 0.5%
- Anyone who plans to hold an idle balance for a long period, given the inactivity fee of €10
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.
XTB
What does XTB charge to open and hold an account?+
The account fee is €0, so there is no monthly or annual cost to keeping the account open. A stock trade costs €0 on the same account. The only recurring charge to watch is an inactivity fee of €10 for traders whose balance sits idle.
Is there a minimum deposit at XTB?+
The minimum deposit is €0, which means the account can be opened and funded with a small amount. It is a lower floor than the $5 asked by Vantage, so it suits a trader testing the platform before scaling up.
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