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

Trust rank #28 · Editorial rating 8.8 / 10 · Founded 2016

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…

Read the Capital.com review

XTB

Trust rank #7 · Founded 2002

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.

Read the XTB review

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

CriteriaCapital.comXTB
Editorial rating8.8 / 10Not verified
Trust rank#28#7
Founded20162002
HeadquartersUnited KingdomPoland
RegulatorsASIC, CySEC, FCADFSA, FCA, FSCA, IFSC, KNF
Broker typeMarket MakerMarket Maker
PlatformsMT4, Proprietary, TradingViewProprietary
InstrumentsCommodities, Cryptocurrencies, Forex, IndicesCommodities, Cryptocurrencies, Forex, Indices
Countries accepted185 countries48 countries
Fee levelLowLow
Trading typesCFD TradingCFD Trading
Best-for use casesRetail TradingProfessional 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.

Availability reflects the countries each broker declares it serves. Local rules change; confirm on the broker's own site before signing up.

Capital.com vs XTB: common questions

Which broker is more regulated, Capital.com or XTB?

XTB holds more regulatory licences: Capital.com (ASIC, CySEC, FCA) versus XTB (DFSA, FCA, FSCA, IFSC, KNF). Tier-1 licences: Capital.com 2, XTB 1.

Which trading platforms do Capital.com and XTB offer?

Capital.com offers MT4, Proprietary, TradingView; XTB offers Proprietary.

Which has lower fees, Capital.com or XTB?

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).

Keep comparing

Capital.com

XTB

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.