Home · Reviews
Capital.com Review 2026
By Guilherme J. · Markets & broker analyst · Updated 2026-07-30 · How we rank
Capital.com is a stock CFDs broker offering spread only commission with a $20 minimum, regulated by FCA, CySEC, ASIC, SCB. Fractional shares: CFD only. Below is how it stacks up on cost, market access and safety.
Open Capital.com Account →Best for
Traders who want CFDs on shares with tight spreads and a genuinely good mobile app.
Not for
Long-term investors. You do not own the shares here, so there are no dividends or voting rights and holding costs accrue overnight.
Pros
- Low $20 minimum deposit
- 3,000+ markets with AI trade insights
- Fast KYC and funding
Cons
- CFDs only, no real share ownership
- Leverage risk
What it actually costs
- No commission; the cost is the spread, which widens outside main market hours.
- Overnight financing on every leveraged position held past the daily cut-off. This is the fee that compounds.
- Currency conversion on positions denominated in another currency.
- Inactivity fee after a prolonged period without trading.
Is your money safe
Regulated by the FCA, CySEC, ASIC and the SCB depending on the entity. Client money is segregated, and UK clients have FSCS cover to £85,000. Retail accounts carry negative balance protection in the UK and EU, so you cannot lose more than you deposit.
Questions people ask
Do you own real shares with Capital.com?
No. Share trading here is via CFDs, so you hold a contract tracking the price rather than the underlying share. That means no dividends or shareholder rights, and overnight financing while a leveraged position stays open.
What does Capital.com cost?
There is no separate commission. You pay the spread on entry and exit, plus overnight financing on leveraged positions, which is the charge that matters most if you hold for more than a few days.
How Capital.com compares
Most people deciding on Capital.com are weighing it against one or two others. These are the head-to-head breakdowns, each covering cost, market access and which one suits which kind of investor.
Verdict
Capital.com is a CFD broker, and that distinction matters more than any feature comparison. When you buy Apple here you are buying a contract that tracks Apple's price, not the share itself. That is fine for a trade you expect to hold for days. It is the wrong instrument for a pension.
Taken as a trading platform it is very good. Spreads are competitive, execution is quick, and the app is better designed than most of the incumbents. The built-in analytics that flag your own behavioural patterns are unusual and occasionally uncomfortable to read.
The cost that catches people is the overnight financing charge. Hold a leveraged position for weeks and the daily swap quietly becomes the largest line in your P&L. Check that number before you assume a position is cheap to keep.