Capital.com review: is it good? Regulation, fees and the honest verdict
Fazit
- Capital.com is regulated through six separate licences: the FCA (UK, 793714), two distinct CySEC-licensed entities (Cyprus, 319/17 and 463/25), ASIC (Australia, AFSL 513393), the Bahamas' SCB (SIA-F245) and the UAE's Capital Market Authority (20200000176).
- Minimum deposit is $20, and there is no published average-spread table for EUR/USD, GBP/USD, USD/JPY or gold — Capital.com describes spreads as set dynamically by its liquidity providers rather than quoting a fixed figure.
- Maximum leverage varies dramatically by which entity you're onboarded under: 30:1 on major forex pairs through the FCA, CySEC or ASIC entity, versus up to 300:1 (500:1 on 15 listed majors) through the UAE entity and 200:1 through the Bahamas entity — a higher number signals a lighter-touch regime, not a better deal.
- Capital.com states it typically handles withdrawal requests within 24 hours, with funds taking up to 5 business days to actually land — that's Capital.com's own claim, not a time we have measured ourselves yet.
- A swap-free Islamic account exists but is restricted to residents of 12 listed countries, and Capital.com does not publish its admin fee or grace-period terms for that account — a real gap, not filled in with a guess here.
"Is Capital.com good" doesn't have a one-word answer, because the honest answer depends on which of Capital.com's six regulated entities you actually end up trading under — and that changes your leverage cap and your regulatory protection, not just which flag is on the page. Here's what's actually published, sourced.
Is Capital.com regulated?
Capital.com runs six separately licensed entities rather than one. Two of them sit under CySEC in Cyprus — a newer entity (463/25) alongside its original one (319/17) — while the FCA, ASIC, the Bahamas' SCB and the UAE's Capital Market Authority (renamed from the Securities and Commodities Authority) cover its other regions.
| Regulator | Jurisdiction | Licence |
|---|---|---|
| FCA | United Kingdom | 793714 |
| CySEC | Cyprus (Capital Com SV Investments Ltd) | 319/17 |
| CySEC | Cyprus (Capital Com Group Ltd) | 463/25 |
| ASIC | Australia | AFSL 513393 |
| SCB | The Bahamas | SIA-F245 |
| CMA | UAE | 20200000176 |
Fees: no published average spread
Unlike Pepperstone, Capital.com's help centre describes spreads as variable and set by its liquidity providers, rather than publishing a fixed average-spread table for major pairs. That isn't necessarily worse pricing — dynamic spreads can be competitive — but it means there's no number here we can cite and verify the way we can for a broker that publishes one. What is verifiable: no commission on the standard account, and a $20 minimum deposit.
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Leverage depends heavily on which entity you're placed under
This is the part of Capital.com's terms most reviews skip: maximum leverage isn't one number, it's five, and they differ by a factor of ten depending on which regulated entity onboards you. The FCA, CySEC and ASIC entities cap retail leverage at 30:1 on major forex pairs, in line with EU/UK/AU retail rules. The Bahamas and UAE entities — regulated, but under regimes with materially lighter retail-protection requirements — publish leverage as high as 200:1 and 300:1 (500:1 on 15 listed majors) respectively.
- A higher leverage number is not automatically an advantage — it usually signals you're trading under a regime with fewer retail-protection requirements, not a better deal.
- Check your account confirmation for which entity you were actually onboarded under; it determines both your leverage cap and which regulator you can complain to.
| Entity | Regulator | Max leverage (major FX) |
|---|---|---|
| Capital Com (UK) Limited | FCA | 30:1 |
| Capital Com SV Investments Limited | CySEC | 30:1 |
| Capital Com Australia Pty Ltd | ASIC | 30:1 |
| Capital Com MENA Securities Trading L.L.C. | CMA (UAE) | 300:1 (500:1 on 15 listed majors) |
| Capital Com Online Investments Ltd | SCB (Bahamas) | 200:1 |
Withdrawals: what Capital.com claims
Capital.com's help centre states: "We typically handle withdrawal requests within 24 hours, but it may take up to 5 business days for the money to appear in your card or bank account." That's Capital.com's own published claim — we have not yet completed a first-party timed withdrawal test on Capital.com, so treat this figure as unverified by us until we do.
- Supported methods: bank cards, bank/wire transfer, Apple Pay, Google Pay, PayPal, Trustly, Neteller, Skrill, Przelewy24, TrueLayer, and USDT for eligible countries under the Bahamas entity.
Islamic (swap-free) account — restricted, and terms not fully published
Capital.com offers swap-free accounts, but only to clients resident in the UAE, Kuwait, Qatar, Bahrain, Oman, Jordan, Saudi Arabia, Egypt, Lebanon, Tunisia, Algeria and Morocco. Switching requires closing all open trades and contacting support directly — and Capital.com does not publish the admin-fee amount or grace-period length for this account, a gap we're not going to paper over with an estimate.
Who Capital.com accepts
Capital.com's published country list covers Australia, Hong Kong, the UK, Thailand, Mexico, Taiwan, the UAE, Germany, Saudi Arabia, Mongolia, Kenya, Colombia, Italy, Vietnam, Chile, Peru, Argentina, Qatar, Kuwait, Oman and Bahrain. It does not accept residents of mainland China, India, Indonesia, Malaysia, Singapore or Turkey, per its own onboarding terms.
The verdict
- Capital.com's six-licence footprint is genuinely broad, but it is not one uniform regime — check the register link above for the specific entity behind your account, not just the brand name.
- No published average-spread table is the clearest data gap here versus a broker like Pepperstone that quotes one — dynamic pricing can still be competitive, but it isn't independently checkable the same way.
- The leverage-by-entity spread (30:1 up to 300:1) is the single most important thing to confirm before you assume a number you saw somewhere applies to you.
- Withdrawal times above are Capital.com's own claim; we have not yet timed a real withdrawal ourselves, so treat the figure accordingly until we publish a first-party test.
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Is Capital.com good, or legit?
Capital.com is regulated by the FCA, two separate CySEC-licensed entities, ASIC, the Bahamas' SCB and the UAE's Capital Market Authority — check any of those licence numbers on the regulator's own register above. Whether it's "good" for you specifically depends on which entity you're placed under, since leverage and protections differ sharply between them.
Is Capital.com regulated?
Yes, across six separate licensed entities covering the UK, Cyprus (twice), Australia, the Bahamas and the UAE. It is not one uniform regulatory regime — the protections and leverage caps differ by entity.
What is Capital.com's minimum deposit?
$20, per Capital.com's own site.
Does Capital.com publish its spreads?
Not as a fixed average-spread table. Capital.com's help centre describes spreads as variable, set by its liquidity providers, rather than quoting the kind of static average a broker like Pepperstone publishes.
Does Capital.com accept Thai residents?
Yes — Thailand appears on Capital.com's own published list of accepted countries. It does not accept residents of mainland China, India, Indonesia, Malaysia, Singapore or Turkey.
Nothing here is investment advice. CFDs carry a high risk of losing money rapidly due to leverage, and most retail accounts lose money.