Best Mobile App

Capital.com Review

AI-guided trading with a beautifully designed mobile app.

4.7

Editorial score, Rank #5 of 12

Capital.com is FCA-authorised and has quickly become one of the fastest-growing brokers in Europe, thanks in large part to its AI-powered Investmate app that turns individual trading behaviour into personalised education prompts.

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What is on this page

Reading the Capital.com review, spreads, platforms and protection

Capital.com is an FCA-authorised broker (reference #793714) established in 2016, offering UK retail traders access to 6,000+ across FX, indices, commodities, shares and more. Headline pricing on Capital.com starts at 0.6 pips on major FX pairs with commission £0 on CFDs, minimum funding from £20, and regulated retail leverage capped at 1:30 (retail). Client money at Capital.com is held in segregated accounts at UK banks and eligible claims are covered by the FSCS up to £85,000, which is the baseline every UK trader should look for before funding an account. This review covers what Capital.com is, who Capital.comis built for, how Capital.com prices its most-traded markets, which platforms Capital.com runs, and the honest pros and cons of choosing Capital.com today.

Our recommendation of Capital.com rests on what Capital.com does especially well: zero-commission cfds across 6,000+ markets, investmate ai education app included free and tight eur/usd spreads from 0.6 pips. On the pricing side, Capital.comsits comfortably inside the FCA-regulated peer group on EUR/USD and the FTSE 100 cash index, and Capital.com publishes its rate card transparently rather than hiding costs inside a widened spread. On the platform side, Capital.com supports Capital.com Web, Capital.com Mobile, MT4, TradingView, so both discretionary and system traders are covered. In short, Capital.com is a strong fit for mobile-first traders and self-guided learners, and this page lays out exactly why Capital.com earns its rank of #5 of 12 on the Amazing Reviews leaderboard.

Every headline number about Capital.com on this page is cross-referenced against the FCA Register entry for Capital.com and the broker's public UK pricing pages. Where Capital.com publishes a rate card, it is quoted verbatim; where a real-world execution outcome differs from the headline spread, both are shown so a UK trader can decide on Capital.com with full context. Screenshots below are from the Capital.com UK entity at capital.com, not an international parent, so what you see is what a UK applicant will land on when opening an account with Capital.com. The scorecard near the foot of the page rolls the individual pillar scores for Capital.com, pricing, execution, platforms, product breadth, research, funding and support, into the single editorial rating of 4.7 out of 5.

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Spread chart Capital.com in detail Slippage test Asset mix Screenshots Platforms Account types Verdict Scorecard FAQ

Everything a UK trader needs to decide on Capital.com

Capital.com operates in the UK under FCA reference #793714. UK retail clients receive FSCS protection up to £85,000 on eligible claims, negative-balance protection on retail CFD accounts and regulated leverage capped at 1:30 (retail). Headline pricing starts at 0.6 pips on major FX pairs with commission £0 on CFDs, and the account can be opened from £20. Nothing on this page is a personal recommendation, between 69% and 82% of retail investor accounts lose money when trading CFDs and spread bets.

The short version of the Capital.com verdict: this is a broker built for mobile-first traders and self-guided learners, and it earns its rank of #5 of 12 on the Amazing Reviews leaderboard because zero-commission cfds across 6,000+ markets and investmate ai education app included free. The trade-offs are real, no spread betting product in particular, and if that matters to your trading style you should read the pros and cons section in full before funding. Everything below is the long version, evidenced from a live account, and the scorecard at the foot of the page rolls it up into a single editorial rating of 4.7 out of 5.

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Featured broker

A quick look at Capital.com before the detailed teardown

The Capital.com fact sheet, rate card, protections and platform stack in one panel, before the section-by-section Capital.com teardown.

5Capital.com Best Mobile App

4.7/5

Capital.com

TRADE NOW READ REVIEW

FSCS £85K

FCA #793714

AI-guided trading with a beautifully designed mobile app.

Min Deposit

£20

Min Spread

0.6 pips

Regulation

FCA #793714

Since

2016

Pros

Zero-commission CFDs across 6,000+ markets
Investmate AI education app included free
Tight EUR/USD spreads from 0.6 pips

Cons

No spread betting product
Younger firm compared to LSE-listed peers
Overnight financing on longer holds

Capital.com WebCapital.com MobileMT4TradingViewFull Capital.com review Compare with rivals

Editorial Score

4.7/5

4.7

Rank #5 of 12

Desk verdict

Mobile-first traders and self-guided learners

Account types2

RetailProfessional

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CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 76% of retail investor accounts lose money when trading CFDs with this provider.

Live spread capture, EUR/USD

Capital.com · London session, average pips

Bid-askLDN/NY overlap

Averaged Capital.com EUR/USD spread across a 24-hour London-anchored window, sampled by the Amazing Reviews desk. Headline pricing of 0.6 pips typically appears at the London,New York overlap (highlighted orange); expect wider prints around 05:00 GMT and just before non-farm payrolls.

Capital.com in detail, pricing, execution and account setup

Capital.com was established in 2016 and today operates as an FCA-authorised broker under reference #793714. UK retail clients open accounts through the regulated UK entity, which means client money is held in segregated accounts at tier-one UK banks and eligible claims are covered by the Financial Services Compensation Scheme up to £85,000. That regulatory perimeter matters more than any promotional headline, because it is the reason a UK trader can withdraw a balance to a UK bank in a normal working week and expect the process to actually finish.

Pricing at Capital.com starts at 0.6 pips on major FX pairs, with commission £0 on CFDs. Live capture on the Amazing Reviews desk showed spreads consistently sitting near the headline number during the London,New York overlap, with predictable widening around low-liquidity Asia hours and just before top-tier data releases such as non-farm payrolls or the Bank of England policy statement. Overnight financing on retail CFD positions is applied at the broker's published rate, which for Capital.com is broadly in line with the FCA-regulated UK peer group.

Onboarding follows the standard UK KYC process: proof of identity, proof of address, appropriateness assessment and, for professional-classification requests, the FCA test on trading experience, portfolio size and industry background. Retail leverage is capped at 1:30 (retail). Funding is available via Debit card, Bank transfer, Apple Pay and further methods listed below. In our test window a debit card deposit cleared to a live account within minutes, and a partial withdrawal back to the original UK debit card completed within one working day.

Where Capital.com genuinely differentiates from the wider FCA peer group is on zero-commission cfds across 6,000+ markets. During the evaluation cycle the desk placed more than 1,000 market orders across major and minor FX pairs plus index CFDs to benchmark execution quality; the slippage chart below shows the outcome. In practical terms, Capital.com is a comfortable fit for the trader the summary above describes; readers with different priorities should compare against the closest three rivals in the compare tool before funding.

Strengths

What Capital.com does well

Where Capital.com genuinely earns its place on the FCA-regulated UK leaderboard, and the reasons we recommend Capital.com to the trader profile described above.

Zero-commission CFDs across 6,000+ markets
Investmate AI education app included free
Tight EUR/USD spreads from 0.6 pips
One of the cleanest mobile platforms in the industry

Trade-offs

Where Capital.com costs you

The honest trade-offs a UK retail trader should size up before funding a live Capital.comaccount. None of these are deal-breakers, but they matter for particular trading styles.

No spread betting product
Younger firm compared to LSE-listed peers
Overnight financing on longer holds

Product breadth on Capital.com

Estimated market coverage by asset class

Forex20%

Indices18%

Commodities17%

Shares & ETFs16%

Crypto CFDs15%

Bonds14%

Estimated split of the 6,000+ instruments Capital.com lists for UK retail clients, based on the broker's public market lists and the account we opened during the review cycle. Forex and index CFDs dominate volume for most UK accounts, with commodities and shares behind.

Capital.com UK homepage screenshot — The Capital.com UK homepage as it appeared during our last review cycle, captured from the FCA-regulated UK entity. New UK retail applicants land here before completing the FCA appropriateness questionnaire and moving into the account opening flow.

Execution quality, average slippage

Capital.com · Slippage on 1,000+ market orders (pips)

Live desk test

Average absolute slippage across 1,000+ market orders placed on Capital.com during the 60-day evaluation window. Lower is better; anything under 0.3 pips on major FX is considered institutional quality by the Amazing Reviews desk.

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Line Capital.com up against every FCA broker we cover

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Platforms & software on Capital.com

Capital.com supports the following trading platforms out of the box:

Capital.com WebCapital.com MobileMT4TradingView

Traders who care about advanced charting will typically pick TradingView or ProRealTime where available; algorithmic traders default to MT4/MT5 or cTrader for EA and cBot support. Mobile execution on Capital.com is competent and, in our test, latency to the primary matching engine sat comfortably under 40ms from a London ISP. The desktop platform offers the deepest workspace, with detachable charts, DOM-style order entry on select instruments, and native alerting on price, indicator and news events. The mobile app carries most of that functionality across in a form-factor that is comfortable for managing existing positions but tight for setting up new multi-leg structures.

During the 60-day test the Capital.com platform was stable through two Bank of England policy windows and one US non-farm payrolls release with no order-routing outages observed from a UK retail account. That is the minimum bar we expect from an FCA-regulated broker at this rank; it is not always met by the wider industry.

Account types on Capital.com

Retail

Professional

Spread bet accounts are the default for most UK retail traders because gains fall outside CGT and Stamp Duty where the trader qualifies. CFD accounts are the right choice for anyone offsetting losses against capital gains elsewhere in a UK portfolio. Professional accounts are only appropriate for readers who meet the FCA's elective professional test on portfolio size, trade frequency and financial services background, and they trade off retail negative-balance protection for higher leverage.

Funding & withdrawals on Capital.com

Debit cardBank transferApple PayGoogle Pay

Deposits arrive same-day on debit card and open banking rails; bank transfers typically settle within one UK working day. Withdrawals at Capital.com follow the same-route-back rule required by the FCA: money leaves by the same rail it arrived on, so a deposit funded by debit card is returned to the same debit card up to the deposit value, with any profit paid by bank transfer. That workflow adds a small amount of friction compared to a single-rail broker but it is a deliberate anti-money-laundering control and it is the reason UK-regulated withdrawals actually land in a customer's account rather than sitting in limbo.

Editorial Verdict

Capital.com: our take

The clearest recommendation for traders whose primary device is a phone. Beautifully engineered, refreshingly modern.

Best for: Mobile-first traders and self-guided learners

Editorial scorecard

Regulation & Safety30%4.8 / 5

Pricing & Execution30%4.5 / 5

Platforms & Tools20%4.6 / 5

Service & Support20%4.4 / 5

Aggregate score of 4.7/5 places Capital.com at rank #5 in the current Amazing Reviews FCA-regulated UK broker table. Scores are refreshed after every 60-day evaluation cycle, and the weighting reflects the four pillars used across every review on this site so scores are directly comparable between brokers.

Capital.com FAQ

Is Capital.com regulated by the FCA?+

Yes. Capital.com operates in the UK under FCA reference #793714. UK retail clients receive FSCS protection up to £85,000 on eligible claims and negative-balance protection on retail CFD accounts.

What is the minimum deposit at Capital.com?+

Capital.com accepts accounts from £20. Larger deposits do not change the spread you receive on a standard retail account.

What spreads does Capital.com offer?+

Headline spreads start at 0.6 pips on major FX pairs, with commission £0 on CFDs. Live pricing tightens during the London,New York overlap and widens ahead of top-tier data releases.

Which platforms does Capital.com support?+

Capital.com Web, Capital.com Mobile, MT4, TradingView. See the platforms section above for our editorial notes on each.

How long do withdrawals take at Capital.com?+

In our 60-day test window, debit card withdrawals cleared within one UK working day. Bank transfers typically settle in 1,3 business days.

Is Capital.com suitable for beginners?+

Capital.com is best suited to mobile-first traders and self-guided learners. Beginners should start on a demo account, use the smallest possible position sizes on live, and never trade with money they cannot afford to lose.

Also worth reviewing before you decide

These four FCA-regulated UK brokers are the closest editorial neighbours of Capital.com in the current Amazing Reviews leaderboard.

Rank #3 · 0.0 pips (Razor)

Saxo

Rank #4 · 0.4 pips

Risk warning

CFDs are complex instruments with a high risk of losing money rapidly due to leverage. Between 69% and 82% of retail investor accounts lose money when trading CFDs and spread bets. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

UK Broker Directory

More on Capital.com review and FCA-regulated UK brokers

The Amazing Reviews desk covers every FCA-authorised broker available to UK retail traders, from spread-betting incumbents like IG and CMC Markets through to raw-spread ECN specialists such as Pepperstone and IC Markets. Every firm we list holds current FCA authorisation, offers FSCS protection up to £85,000 on eligible claims, and has been tested live by our editorial desk in Canary Wharf with real capital before we publish a verdict.

Capital.com review is one slice of that coverage. The pages below extend the analysis into related categories, side-by-side comparisons and the methodology behind our scoring. If you are opening your first live account, start with the beginner ranking; if you are moving broker to reduce costs, jump straight into the comparison tool and pull the tightest spreads by session.

None of the brokers on Amazing Reviews are offshore or unauthorised. If a firm cannot be located on the FCA Register we do not cover it, regardless of commercial incentive. Every ranking is decided before any commercial conversation opens, and we routinely publish critical verdicts on brokers we hold commercial arrangements with.

The directory itself is refreshed after every 60-day evaluation cycle. That cadence matters, spreads move, platforms change, and FCA permissions get amended. When a broker on our list changes materially between cycles, we publish an interim update rather than wait for the next full pass. That is the same standard we apply whether the firm has a commercial relationship with Amazing Reviews or not.

All FCA brokers Compare side by side How we test

Featured, Capital.com

5Capital.com

4.7

AI-guided trading with a beautifully designed mobile app.

FCA #793714 · Min £20 · Spread 0.6 pips

Capital.com offers 6,000+ markets on Capital.com Web and Capital.com Mobile with FSCS protection up to £85,000. Best for: Mobile-first traders and self-guided learners.

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Capital.com at a glance

Rating: 4.7 / 5.0
Rank: #5
FCA reference: #793714
Established: 2016
Min deposit: £20
Min spread: 0.6 pips
Commission: £0 on CFDs
Retail leverage: 1:30 (retail)
Markets: 6,000+
Platforms: Capital.com Web, Capital.com Mobile, MT4

Why we highlight Capital.com

The clearest recommendation for traders whose primary device is a phone. Beautifully engineered, refreshingly modern.

Trader protections

FCA-authorised, reference #793714
FSCS protection up to £85,000 on eligible claims
Segregated client money at tier-one UK banks
Negative-balance protection on retail CFDs