Updated September 28, 2026 · BrokerCue Editorial Team
CapTrader vs Wealthify
Where CapTrader and Wealthify differ
| Compare |  CapTrader |  Wealthify |
|---|---|---|
| Minimum deposit | $2,000 | £1,000 |
| Markets | Stocks, ETFs, Forex, CFDs, Options, Futures, Crypto, Bonds, FundsCovers more | Stocks, ETFs, Bonds, Funds |
| Deposit and withdrawal fees | Free withdrawal, bank transfer deposits | No fees for deposits, withdrawals or transfers |
| Platforms | Trader Workstation TWS, CapTrader Desktop, Trading App | Web, iOS app, Android app |
| Stock trade fee | $2 | Not confirmed |
| Account fee | $0 | Not confirmed |
| Inactivity fee | $0 | Not confirmed |
| Regulators | Not confirmed | Financial Conduct Authority |
| Investor protection | Not confirmed | FSCS up to GBP 85,000 |
| Options contract fee | €2 | Not confirmed |
| Account types | Not confirmed | ISA, SIPP |
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Key differences
- CapTrader scores higher overall: 8.9 vs 8.8.
- Markets: only CapTrader offers Forex, CFDs, Options.
- Platforms: only CapTrader offers Trader Workstation TWS, CapTrader Desktop, Trading App.
- Platforms: only Wealthify offers Web, iOS app, Android app.
- Support channels: only Wealthify offers Email, Chat, Phone.
- Features: only CapTrader offers Demo account, Fractional shares.
Our verdict on each
CapTrader
CapTrader suits experienced traders who want stocks, forex, CFDs, options, futures, crypto, bonds and funds under one roof with no account or inactivity fee. The catch is the entry size: a minimum deposit of $2,000 puts it out of reach for a small first account.
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 | CapTrader | Wealthify |
|---|---|---|
| Cost | 8.7HigherAccount fee and inactivity fee of $0 and $0 set against a $2,000 entry and $2 a trade. | 8.5Management fee of 0.6%, and a minimum investment running £1,000 to £5,000, both inside the robo-advisor field. |
| Offer | 9.2 | 9.4Higher |
| Trust | Not confirmed | 8.7 |
Feature by feature
| Markets | CapTrader | Wealthify |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | No |
| CFDs | Yes | No |
| Options | Yes | No |
| Futures | Yes | No |
| Crypto | Yes | No |
| Bonds | Yes | Yes |
| Funds | Yes | Yes |
How they place
| Ranking | CapTrader | Wealthify |
|---|---|---|
| Stock and ETF brokers | 19 of 471 | 190 of 471 |
What we checked
CapTrader
- captrader.com: 7 facts, checked September 26, 2026
- brokerchooser.com: 4 facts, checked September 26, 2026
Wealthify
- wealthify.com: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | CapTrader | Wealthify |
|---|---|---|
| Features | Demo account, Mobile app, Fractional sharesCovers more | Mobile app |
| Pricing model | Low fees | Low fees |
| Audience | Not confirmed | Beginners |
| Legal entity | Not confirmed | Wealthify Limited |
| Headquarters | Not confirmed | United Kingdom |
| Founded | Not confirmed | 2016 |
| Support channels | Help centre | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | CapTrader | Wealthify | Median |
|---|---|---|---|
| Stock trade fee | $2highest quarter | Not confirmed | $0 |
| Account fee | $0at the median | Not confirmed | $0 |
| Inactivity fee | $0at the median | Not confirmed | $0 |
Median across 91 listed brokers.
Pros and cons
CapTrader
Pros
- A single account covers stocks, etfs and forex, so instruments do not need splitting across brokers.
- Platform choice of Trader Workstation TWS, CapTrader Desktop and Trading App covers desktop terminals and mobile trading.
- Trading costs read plainly: $2 a stock trade and €2 an options contract.
Cons
- Minimum deposit of $2,000 ranks 197 of 213 on our data, against $0 at CFI and $5 at Vantage.
- Stock trade fee of $2 ranks 124 of 161, while eToro charges $0 a trade.
- Support runs on help centre only, with no phone or chat channel listed.
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
CapTrader
Who it suits
- Traders running a mixed book of stocks, etfs and forex rather than one narrow market.
- Anyone who dislikes dormant account charges, with an inactivity fee of $0.
- Desktop users who prefer the Trader Workstation TWS or CapTrader Desktop over a simple app.
Who should look elsewhere
- Small first-time accounts: CFI starts at $0 and Vantage at $5, well below CapTrader's $2,000.
- Cost-first stock buyers: eToro charges $0 a trade against CapTrader's $2.
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
CapTrader
What is the minimum deposit?+
The minimum deposit is $2,000, which is the main hurdle for a first account. On our data that places CapTrader at 197 of 213. CFI takes $0 and Vantage $5, so a smaller start is easy elsewhere.
Are there account or inactivity fees?+
Neither applies. The account fee is $0 and the inactivity fee is $0, so leaving money untouched does not trigger a charge. CapTrader ranks 1 of 138 on account fee and 1 of 56 on inactivity fee.
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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