Capital.com vs XM: what each broker actually publishes
测评结论
- Both hold a UAE licence of a different kind: Capital.com's Dubai entity is licensed by the UAE Capital Market Authority (20200000176); XM's Trading Point MENA Limited is on the DFSA register (F003484) in the DIFC.
- Capital.com publishes its swap-free eligibility list — Saudi Arabia, the UAE, Kuwait, Qatar, Bahrain, Oman, Jordan, Egypt, Lebanon, Tunisia, Algeria and Morocco; XM says an Islamic account is available but does not publish its terms on its public pages.
- Both offer MT4 and MT5; Capital.com adds TradingView and its own app, XM its own XM App.
- XM's minimum deposit is $5 and Capital.com's is $20 (€50 by bank wire).
- Withdrawal claims: Capital.com typically handles requests within 24 hours with up to 5 business days to arrive; XM says requests are processed instantly, with bank wire and cards usually taking 2–5 business days. Both are the brokers' own claims.
Capital.com and XM both serve Gulf traders and both run MetaTrader, so the useful comparison is in the details each one publishes: which licence covers you, what the Islamic account terms say, and how withdrawals are described. Everything below is sourced to the broker's own site or a regulator register. In our overall order, Pepperstone ranks first and Capital.com second.
Side by side, from each broker's own pages
| Capital.com | XM | |
|---|---|---|
| UAE licence | UAE Capital Market Authority, licence 20200000176 (Capital Com MENA Securities Trading L.L.C., Dubai) | DFSA F003484 (Trading Point MENA Limited, DIFC) |
| Other licences | FCA 793714, CySEC 319/17 and 463/25, ASIC AFSL 513393, SCB SIA-F245 | CySEC 120/10; FSC Belize (XM Global Limited, listed as active) |
| Swap-free (Islamic) account | Yes, for clients in Saudi Arabia, the UAE, Kuwait, Qatar, Bahrain, Oman, Jordan, Egypt, Lebanon, Tunisia, Algeria and Morocco; admin fee and grace period not published | Available; terms not published on public pages |
| Platforms | Web platform, mobile app, MT4, MT5, TradingView | MT4, MT5, XM App |
| Minimum deposit | $20 (€50 by bank wire) | $5 |
| Maximum retail leverage | 30:1 majors under FCA/CySEC/ASIC; up to 300:1 (500:1 on 15 listed majors) under the UAE entity; 200:1 under the Bahamas entity | Up to 30:1 under CySEC; up to 1000:1 under FSC Belize |
| Withdrawal claim | Typically handled within 24 hours; up to 5 business days to arrive; no deposit or withdrawal fees | Processed instantly by its back-office system; bank wire and cards usually 2–5 business days |
| Gulf payment rails | AED accounts; LEAN open banking in the UAE; USDT for Saudi, UAE, Qatar, Bahrain and Oman clients (Bahamas entity); mada not listed | Funding methods sit behind the Members Area login, so none could be confirmed |
Islamic accounts: a published country list versus unpublished terms
Capital.com names the countries where its swap-free account is available — Saudi Arabia, the UAE, Kuwait, Qatar, Bahrain, Oman, Jordan, Egypt, Lebanon, Tunisia, Algeria and Morocco — and explains that you switch by closing open trades and emailing support@capital.com; it does not publish an admin fee or grace period. XM states that an Islamic account is available but does not publish its terms on its public pages. For a Saudi or UAE trader, Capital.com is the one of the two whose eligibility you can confirm before opening an account; for either broker, ask for the fee terms in writing.
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Leverage and regulation: the entity decides
Both brokers cap retail leverage at 30:1 on major pairs through their European entities. Outside Europe the ceilings diverge: Capital.com publishes up to 300:1 (500:1 on 15 listed majors) under its UAE-licensed entity and 200:1 under its Bahamas entity, while XM publishes up to 1000:1 under XM Global Limited in Belize. A higher ceiling reflects a lighter-touch regime, not better protection, so check which entity will open your account.
Platforms and minimum deposit
Both offer MT4 and MT5, so an existing expert advisor will run at either. Capital.com adds TradingView and its own web platform and app; XM adds its XM App. XM's $5 minimum is lower than Capital.com's $20, though at either level the minimum deposit is rarely the deciding factor.
Is Capital.com or XM licensed in the UAE?
Both hold a UAE-based licence of a different type. Capital.com's Dubai entity is licensed by the UAE Capital Market Authority (20200000176). XM's Trading Point MENA Limited is on the DFSA register (F003484) in the DIFC. Check which entity would open your account.
Which has a clearer Islamic account for Saudi traders, Capital.com or XM?
Capital.com publishes its eligibility list, which includes Saudi Arabia and the UAE among 11 countries. XM says an Islamic account is available but does not publish its terms on its public pages.
Do Capital.com and XM both support MT5 and expert advisors?
Both offer MT4 and MT5. Capital.com describes both platforms as supporting Expert Advisors and adds TradingView; XM offers its own XM App alongside MetaTrader.
What is the minimum deposit at Capital.com vs XM?
XM's minimum deposit is $5. Capital.com's is $20 for every payment method except bank wire (€50), and it charges no deposit or withdrawal fees.
Nothing on this page is investment advice. CFDs carry a high risk of losing money rapidly due to leverage, and most retail investor accounts lose money when trading CFDs.