Capital.com
FCA/CySEC/ASIC
XTB
KNF/FCA/CySEC
Capital.com vs XTB
Head-to-Head Comparison 2026
Our Verdict
XTB has a higher rating of 4.4/5 compared to Capital.com (4.3/5). XTB offers 7 instrument types, while Capital.com offers 6. The minimum deposit is lower at XTB with 0 €. XTB has been in the market since 2002, making it the more experienced provider. On spreads, Capital.com offers EUR/USD from 0.6 pip (typical), no commissions, while XTB offers EUR/USD from 0.5 pip (Standard).
Comparison Table
| Criteria | Capital.com | XTB |
|---|---|---|
| Rating | 4.3/5 (1600 reviews) | 4.4/5 (2100 reviews)✓ |
| Regulation | FCA/CySEC/ASIC | KNF/FCA/CySEC |
| Fees | Spread-based, no commission | 0% commission on stock CFDs (up to €100,000/month), spreads from 0.1 pip |
| Min. Deposit | 20 € | 0 € |
| Instruments | Forex, Stocks CFDs, Indices, Commodities, Crypto CFDs, ETFs CFDs | Stocks, ETFs, CFDs, Forex, Commodities, Indices, Crypto |
| Platforms | Capital.com App, Capital.com Web, MT4, TradingView | xStation 5, xStation Mobile |
| Options Trading | No | No, but over 6,000 stocks and ETFs commission-free |
| Spread (typical) | EUR/USD from 0.6 pip (typical), no commissions | EUR/USD from 0.5 pip (Standard) |
| Execution Speed | — | ~85 ms (Median) |
| Inactivity Fee | None | €10/month after 12 months of inactivity |
| Founded | 2016 | 2002 |
| Headquarters | London | Warsaw |
Detailed Comparison
Fee Comparison
Capital.com: Spread-based, no commission. Minimum deposit: 20 €. Spread: EUR/USD from 0.6 pip (typical), no commissions.
XTB: 0% commission on stock CFDs (up to €100,000/month), spreads from 0.1 pip. Minimum deposit: 0 €. Spread: EUR/USD from 0.5 pip (Standard). Inactivity fee: €10/month after 12 months of inactivity.
Execution Quality
Capital.com
No data available
XTB
Execution: ~85 ms (Median)
Product Range
Capital.com (6 categories)
XTB (7 categories)
Trading Platforms
Capital.com
- Capital.com App
- Capital.com Web
- MT4
- TradingView
XTB
- xStation 5
- xStation Mobile
Regulation & Security
Capital.com is regulated by FCA/CySEC/ASIC (HQ: London).
XTB is regulated by KNF/FCA/CySEC (HQ: Warsaw).
Who Is It For?
Capital.com
AI-powered trading platform with over 6,000 markets
✓ AI-powered trading signals
✓ Over 6,000 markets
✓ Low minimum deposit (€20)
✗ CFD trading only
✗ No MT5 support
XTB
Publicly traded CFD broker with award-winning xStation platform
✓ Award-winning xStation platform
✓ 0% commission on stocks up to €100,000
✓ Publicly traded company
✗ Inactivity fee after 12 months
✗ No MetaTrader 4/5
Frequently Asked Questions
Is Capital.com or XTB cheaper?
Which broker offers more products: Capital.com or XTB?
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Is Capital.com or XTB better for beginners?
Capital.com vs XTB: Which broker is better overall?
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Do Capital.com or XTB charge an inactivity fee?
XTB
Publicly traded CFD broker with award-winning xStation platform
Open Account →From 0 € min. deposit