Capital.com vs XTB (2026): regulation, platforms and costs compared
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Data refreshed 25 Aug 2026 · Compiled by David Ispiryan
Capital.com is a well-regarded forex broker offering access to a broad range of currency pairs on web and mobile platforms, with built-in education, research, and risk management tools. It operates under regulatory…
XTB is a forex and CFD broker offering a proprietary platform, broad instrument coverage, and integrated research and education. It is regulated in multiple jurisdictions.
Capital.com (United Kingdom, founded 2016) holds 3 regulatory licences (ASIC, CySEC, FCA), 2 of them tier-1, offers MT4, Proprietary, TradingView and sits in our low-fee bracket. XTB (Poland, founded 2002) holds 5 regulatory licences (DFSA, FCA, FSCA, IFSC, KNF), 1 of them tier-1, offers Proprietary and sits in our low-fee bracket. The two overlap in 42 countries; Capital.com is available in 143 countries where XTB is not, and XTB in 6 where Capital.com is not.
Verdict at a glance
Capital.com leads on platform choice, country coverage and tier-1 licences.
XTB leads on trust rank, track record and regulatory coverage.
Level on instrument range and fee level.
Scored on 8 measurable dimensions where both brokers have verified data. Dimensions missing for either side are excluded rather than guessed. This is a data summary, not a recommendation.
Capital.com vs XTB: side-by-side data
Criteria
Capital.com
XTB
Editorial rating
8.8 / 10
Not verified
Trust rank
#28
#7
Founded
2016
2002
Headquarters
United Kingdom
Poland
Regulators
ASIC, CySEC, FCA
DFSA, FCA, FSCA, IFSC, KNF
Broker type
Market Maker
Market Maker
Platforms
MT4, Proprietary, TradingView
Proprietary
Instruments
Commodities, Cryptocurrencies, Forex, Indices
Commodities, Cryptocurrencies, Forex, Indices
Countries accepted
185 countries
48 countries
Fee level
Low
Low
Trading types
CFD Trading
CFD Trading
Best-for use cases
Retail Trading
Professional Trading, Retail Trading
Highlighted cells mark the stronger value where a direction is objectively better (e.g. more licences, lower fees). "Not verified" means the field is not yet in our catalogue for that broker — we never fill gaps with estimates.
Pros
Capital.com
Multi-regulated broker
Spread-only FX pricing
MT4, TradingView, and proprietary platforms
Wide range of currency pairs
No deposit or withdrawal fees
XTB
Tier-1 multi-jurisdiction regulation
Proprietary xStation 5 platform with advanced charting and one-click trading
Official xAPI for algorithmic trading and data access
Competitive FX spreads with commission-free Standard account
Publicly listed broker with audited financials
Cons
Capital.com
- Not available to U.S. clients
- No MetaTrader 5 or cTrader support
- No guaranteed stop-loss orders
- Only CFD-based forex (no ECN/DMA)
- Retail leverage capped to 1:30 in EU/UK/AU
XTB
No MetaTrader 5 support
No guaranteed stop-loss orders (GSLOs)
Inactivity fee after prolonged inactivity
Withdrawal fees for small amounts below minimum threshold
No integrated social/copy trading
Key features
Capital.com
Multi asset CFD and spread betting on forex indices commodities shares and crypto
Tier one regulation FCA CySEC ASIC with segregated client funds and negative balance protection
Proprietary web and mobile platforms with advanced charting and over 70 indicators
TradingView and MetaTrader 4 integration and REST API for algorithmic trading
Commission free spread only pricing with fast market execution
AI powered insights education and risk management tools including Investmate
XTB
Multi asset CFD trading Forex Indices Commodities Shares ETFs Crypto
Real stock and ETF investing zero commission up to monthly cap
xStation 5 proprietary platform advanced charting sentiment and risk tools
Publicly listed broker segregated client funds and negative balance protection
Tier one regulation including FCA and KNF
Extensive education research and market news resources
Country availability: Capital.com vs XTB
Available at both (42): Angola, Austria, Bermuda, Bulgaria, Chile, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Georgia, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Mauritania, Moldova, Montenegro, Netherlands, North Macedonia, Poland, Portugal, Romania, Saint Kitts and Nevis, Serbia, Slovakia, Slovenia, Spain, Sweden, Thailand, Trinidad and Tobago, United Arab Emirates, United Kingdom and 2 more.
Only Capital.com (143): Albania, Algeria, Andorra, Anguilla, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Azerbaijan, Bahrain, Bangladesh, Belize, Benin, Bhutan, Bolivia, Bonaire, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Burundi, Cabo Verde, Cambodia, Cayman Islands and 118 more.
Only XTB (6): Belgium, Canada, Indonesia, Malaysia, Philippines, South Africa.
Both sit in the same fee bracket (low) in our catalogue; compare the spreads and commission rows above for detail.
Which is older, Capital.com or XTB?
XTB is the older of the two, founded in 2002; Capital.com was founded in 2016.
Are Capital.com and XTB available in the same countries?
They overlap in 42 countries. Capital.com is additionally available in 143 countries (Albania, Algeria, Andorra, Anguilla, Antigua and Barbuda, Argentina and 137 more) and XTB in 6 countries (Belgium, Canada, Indonesia, Malaysia, Philippines, South Africa).
Risk warning: CFDs and forex are complex, leveraged instruments and carry a high risk of losing money rapidly. A majority of retail investor accounts lose money when trading CFDs. Nothing on this page is financial advice; verify licence status on the regulator's register before depositing. Full risk disclosure.