Capital.com vs XTB
Since 26 Oct 2018, Capital Com (UK) Limited has been authorised by the FCA, FRN 793714 and holds client money. Since 17 Jan 2011, XTB Limited has been authorised by the FCA, FRN 522157. It holds client money.
Capital.com and XTB side by side
Every figure comes from the broker and includes the date we read it. The order follows what people search for and doesn't show any preference.
| Fact | Capital.com | XTB |
|---|---|---|
| UK firm | Capital Com (UK) Limited | XTB Limited |
| FRN | 793714 | 522157 |
| Regulatory status | Authorised | Authorised |
| Authorised since | 26 Oct 2018 | 17 Jan 2011 |
| Clone firms on the register | 1 | 9 |
| Retail CFD accounts that lose money | 65%, read 2 Nov 2026 | 74%, read 2 Nov 2026 |
| Smallest deposit | £20 | No minimum |
| Inactivity fee | Not stated | No account maintenance charge applies to active clients, whatever their balance. |
| Withdrawal fee | free | free |
| Withdrawal time | Not stated | Processing completes in up to 3 working days, and allocating bank wires and card payments takes up to 3 working days. |
| CFDs | Yes | Yes |
| Spread betting | Yes | Not stated |
| Share dealing | Not stated | Yes |
| Retail leverage | Not stated | For retail clients, the maximum ratio on major forex pairs is 1:30. |
| Platforms | Options include MT5, TradingView, Capital.com's web platform and mobile app, plus MT4. | XTB platform (xStation) |
| Demo account | Yes | Yes |
| Negative balance protection | Not stated | Yes |
| iPhone app rating, UK App Store | 4.69 of 5 (17,218 ratings) | 4.66 of 5 (1,977 ratings) |
For both brokers, FCA status and withdrawal fee match. So do CFDs and the demo account.
On 2 Nov 2026, we read capital.com/en-gb; on 2 Nov 2026, we read xtb.com/en; on 2 Nov 2026, we read xtb.com/en/forex; on 2 Nov 2026, we read capital.com/en-gb/ways-to-trade/fees-and-charges; on 2 Nov 2026, we read xtb.com/en/account-and-fees; on 2 Nov 2026, we read capital.com/en-gb/trading-platforms/demo-account; on 2 Nov 2026, we read xtb.com/en/platform.
How the two loss rates stand against the wider field
The full risk warning from each broker
Spread bets and CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. When retail investor accounts trade spread bets and CFDs with this provider, 65% lose money. Whether you can afford the high risk of losing your money is something you should consider. You should also consider whether you know how spread bets and CFDs work.
We read capital.com on 2 Nov 2026 for Capital.com's own wording.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. When retail investor accounts trade CFDs with this provider, 74% lose money. Whether you can afford the high risk of losing your money is something you should consider. You should also consider whether you know how CFDs work.
We read xtb.com on 2 Nov 2026 for XTB's own wording.