XTB vs Capital.com – Which Broker Is Better for You?
XTB and Capital.com are both well regulated and widely used brokers. XTB attracts experienced traders who value a listed company with a long track record. Capital.com suits typical retail traders who want simple costs, strong education, and 24/7 customer support.
Quick Answer: Is XTB or Capital.com the Better Broker Overall?
There is no single winner for every trader. XTB scores highest on institutional style trust ratings and offers Pro spread pricing. Capital.com is the stronger fit for most everyday traders thanks to commission free pricing, platform simplicity, education, and very strong public user feedback.
Broker Snapshot Comparison
| Metric | Capital.com | XTB |
|---|---|---|
| Founded | 2016 | 2002 |
| Publicly listed | No | Yes |
| Clients reported | 800,000 new funded accounts in one quarter | Over 2 million total clients |
| Active users reported | Strong trading volume growth | About 920,000 active users |
| Minimum deposit | From 20 base currency | Often no formal minimum |
| Trading commissions on CFDs | None | Pro account uses commission model |
| Real stocks and ETFs | Not offered as direct ownership | Zero percent up to €100,000 per month, then 0.2% |
| Trustpilot rating | About 4.6 from over 13,000 reviews | Mixed ratings varying by region |
Table comparing key structural differences between XTB and Capital.com including account structure, listing status, client counts, and user ratings.
Who Should Choose XTB vs Who Should Choose Capital.com?
Choose XTB if you want a long established, publicly traded broker with extensive multi asset access, Pro spreads, and real share investing. Choose Capital.com if you prefer a simpler cost structure, strong platform guidance, lower entry costs, and a user experience built for retail traders.
Regulation and Safety Compared
Which Broker Has Stronger Client Protection Rules?
Both brokers hold multiple top tier licences and must keep client funds segregated. XTB is publicly listed, which adds external reporting oversight. Capital.com offers negative balance protection for eligible retail clients and uses the same regulatory framework applied across leading European CFD brokers.
How Do Their Licences and Trust Scores Compare?
XTB reports more than two million total clients and almost one million active users, reinforcing scale and investor confidence. Capital.com has reported over six hundred fifty billion dollars in client volume during a single quarter, showing high real usage rather than passive registrations.
Trading Costs and Spreads Compared
Capital.com uses a spread only structure without separate CFD commissions. Spreads vary by market but remain competitive for high volume markets like major indices and forex pairs. XTB offers two main structures, a Standard account with floating spreads and a Pro account where you pay raw style spreads plus a per lot commission.
Overnight costs follow different models. Capital.com applies an annualised four percent broker fee divided by days, plus or minus market benchmarks. XTB applies standard swap points, which change by direction and asset. XTB can become cheaper for high frequency large lot traders, while Capital.com is often cheaper for smaller retail sizes.
Which Broker Has Lower Day Trading Costs?
For most retail intraday strategies, Capital.com often works out cheaper due to its spread only pricing and lack of ticket commissions. XTB becomes cost effective for active volume traders using Pro accounts who can benefit from very low minimum spreads on major forex pairs.
How Do Forex and Index Spreads Compare?
XTB quotes minimum spreads of 0.5 pips on its Standard account and 0.1 pip on Pro for major forex pairs. Capital.com shows example index spreads at one point on popular benchmarks and variable spreads across forex, often in line with leading retail focused CFD brokers.
Are There Any Hidden Non-Trading Fees?
Both brokers clearly state no fee for opening accounts. Capital.com does not charge deposit or withdrawal fees and does not publish an inactivity charge. XTB may apply conversion fees when switching currency or using certain investment services but has no general account maintenance fee.
Platforms and Execution Compared
Which Platform Is Better for Day Trading?
XTB provides its in house xStation platform, which is highly rated for speed and layout. Capital.com offers an intuitive web and mobile platform plus TradingView and MT4 access in supported regions. Day traders can operate effectively on either, though beginners often find Capital.com easier to learn.
Is Execution Faster or More Reliable on XTB or Capital.com?
Both brokers are built for fast order processing and serve many intraday traders. XTB has a strong reputation for execution stability. Capital.com uses cloud deployment and one click trade entry. Neither platform feels slow under normal conditions, though spreads widen around major news events.
Do Both Support TradingView or MT4?
Capital.com offers direct TradingView support and MT4 access in supported jurisdictions. XTB focuses exclusively on xStation and does not support MetaTrader platforms or TradingView charts. Traders who rely on custom indicators and TradingView layouts may prefer Capital.com for that reason.
Markets and Product Availability Compared
Which Broker Offers More Tradeable Instruments?
Both brokers list thousands of markets across indices, forex, commodities, and shares. Cryptocurrency CFDs are available on Capital.com for professional clients only. XTB adds real stock and ETF investing. Capital.com focuses exclusively on leveraged CFD and spread bet markets but still covers a wide multi asset catalogue.
Can Both Brokers Trade Crypto, Shares, and ETFs?
Capital.com offers share CFDs but does not provide direct share ownership. Cryptocurrency CFDs are available for professional clients only. XTB offers crypto CFDs, share CFDs, plus real share and ETF investing with zero percent commission up to a monthly turnover level, making it attractive for hybrid investors and traders.
Tools, Education, and Extra Features Compared
Which Broker Supports Beginners Best?
Capital.com provides structured courses, a learning app, and behavioural alerts designed to prevent emotional mistakes. XTB offers webinars and research, but its platform and product set can be more complex at first. Newer traders usually find Capital.com faster to understand and more guided.
Which One Has Better Research Tools and Insights?
XTB offers stronger analyst commentary and specialist screeners through xStation. Capital.com supports traders with integrated news and sentiment tools but focuses more on structured learning content. Pure research focused traders lean toward XTB, while learners often prefer Capital.com’s approach.
Deposit Minimums and Funding Options Compared
Which Broker Is Cheaper to Start With?
Capital.com allows starting balances from around twenty base currency units for many card deposits. XTB often advertises no formal minimum, but practical trading size requirements mean you may need more to run multiple CFD positions with comfortable margin.
Whose Funding and Withdrawal System Is Faster?
Capital.com receives high scores from users for withdrawal speed and 24/7 customer support responsiveness. XTB users also report reliable processing, though reviews can vary depending on jurisdiction and funding method.
Pros and Cons Side-by-Side
Capital.com Pros and Cons
- Simple spread only CFD pricing
- Beginner friendly learning tools and guidance
- TradingView and MT4 supported in many regions
- Very high volume of positive public user reviews
- No real stock or ETF ownership
- Not publicly listed
- Trust score slightly below XTB on specialist review sites
XTB Pros and Cons
- Publicly listed multi asset broker
- Pro account with raw style spreads and commission
- Real stock and ETF investing alongside CFDs
- Long operational history with strong regulator coverage
- Platform choice limited to xStation
- More complex pricing framework across accounts
- Regional consumer reviews less consistently positive
Full Feature Comparison Table
| Feature | Capital.com | XTB |
|---|---|---|
| Broker type | Private multi-region CFD broker | Publicly listed multi-asset broker |
| Main platforms | Web and mobile, plus TradingView and MT4 | xStation proprietary platform |
| CFD commissions | None on most instruments | Pro account uses commission with raw spreads |
| Overnight cost model | Daily fee of 4% divided by days plus benchmark | Swap points based on direction and asset |
| Real stocks and ETFs | Not available as direct ownership | Zero percent up to €100,000, then 0.2% |
| Minimum spread info | Competitive variable spreads on indices and forex | Standard minimum 0.5 pips, Pro minimum 0.1 pip |
| Education style | Beginner-focused courses and learning app | Webinars and in-depth research tools |
| Client scale | 800,000 new funded accounts in a quarter | Over 2 million total clients, 920,000 active |
| Best suited for | Retail CFD and spread bet day traders | Hybrid investors and volume traders |
Detailed comparison table showing differences in platform approach, cost structure, products, and target user type.
Final Verdict – Which Broker Should You Choose?
XTB suits experienced and hybrid traders who want a listed broker with Pro style pricing and real share investing. Its almost one million active clients and multi decade track record make it a strong choice for those who value traditional metrics of size, transparency, and industry longevity.
Capital.com is often the better choice for typical retail CFD and spread bet traders. Commission free pricing, integrated education, behavioural alerts, and TradingView support make it easy to learn and improve. With quarterly trading volumes above six hundred fifty billion dollars and strong user ratings, it offers a highly accessible and well rounded experience.
Trade Smarter with AI
0% Commission on Stocks
- ✓ Tight Spreads & No Hidden Fees
- ✓ 3,000+ Global Markets
- ✓ Award-Winning Mobile App
Spread bets and CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 60% of retail investor accounts lose money when trading spread bets and CFDs with this provider. You should consider whether you understand how spread bets and CFDs work and whether you can afford to take the high risk of losing your money.
FAQs
Is Capital.com Cheaper Than XTB?
For most retail CFD and spread bet traders, Capital.com often works out cheaper due to its spread only pricing model and lack of ticket commission. XTB can become cheaper for professional style traders who use Pro accounts and place high frequency large lot trades.
Which Broker Has Better Spreads?
XTB publishes minimum spreads as low as 0.1 pip on Pro accounts. Capital.com shows tight example spreads but uses a simpler spread only model without commission. Traders who value simplicity may prefer Capital.com, while raw spread specialists may lean toward XTB.
Can I Use TradingView on Both?
Capital.com offers TradingView integration and MT4 for eligible regions. XTB focuses on its proprietary xStation platform and does not currently offer MetaTrader or TradingView support. Platform choice may be decisive for those who depend on third party charting tools.
Is XTB Safer Because It’s Older?
XTB has been operating since 2002 and is publicly listed. Capital.com is newer but still holds multiple tier one regulatory licences. Both are considered safe by review sites, with XTB scoring higher on strict institutional trust metrics and Capital.com scoring higher in user feedback volume.
Which Broker Is Better for Beginners?
Capital.com is generally better for beginners due to its structured learning content and behavioural alerts. XTB is well suited to traders who already understand markets and want professional level tools and real share investing. Newer traders often feel more comfortable starting with Capital.com.
