Written by StockBrokers.com
Is XTB better than Capital.com? After scoring the best share dealing accounts across 46 different variables, our analysis finds that XTB is better than Capital.com. XTB has set itself up as a strong competitor in commission-free share trading. Its low fees and solid educational content will make XTB particularly attractive to newer investors. It does not, however, offer an ISA or SIPP.
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0 of 5| Overall Rating | XTB | Capital.com | |
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| Review | XTB Review | Capital.com Review | |
| Winner | check_circle |
| Investments | XTB | Capital.com | |
|---|---|---|---|
| ISA | Yes | No | |
| SIPP | No | No | |
| Share Trading | Yes | Yes | |
| CFD Trading | Yes | Yes | |
| Funds | No | No | |
| ETFs | Yes | No | |
| Bonds - Corporate | No | No | |
| Bonds - Government (Gilts) | No | No | |
| Investment Trusts | No | No | |
| Spread Betting | Yes | Yes | |
| Crypto Trading | No | No | |
| Advisor Services | No | No |
| Trading Fees | XTB | Capital.com | |
|---|---|---|---|
| Minimum Deposit | £0 | £20 | |
| Share Trading: 0-9 Deals/ Month | £0 | N/A | |
| Share Trading: 10-19 Deals/ Month | £0 | N/A | |
| Share Trading: 20+ Deals/ Month | £0 | N/A | |
| 5 trades per year (£30k portfolio) | £0 | N/A | |
| 12 trades per year (£30k portfolio) | £0 | N/A | |
| 36 trades per year (£30k portfolio) | £0 | N/A | |
| 120 trades per year (£30k portfolio) | £0 | N/A | |
| 3 fund trades per year (£30k portfolio) | N/A | N/A | |
| Annual Custody Fee: £0 - £250,000 | 0 | £0 | |
| Annual Custody Fee: £250K-£500K | 0 | £0 | |
| Annual Custody Fee: £500,000 - £1m | 0 | £0 | |
| Annual Custody Fee: £1m and over | 0 | £0 | |
| Bonds - Corporate - Fee | N/A | N/A | |
| Bonds - Government (Gilts) - Fee | N/A | N/A | |
| ETFs - Fee | £0 | N/A | |
| Investment Trusts - Fee | N/A | N/A | |
| Telephone Dealing Fee | N/A | N/A |
| Broker Screenshots | XTB | Capital.com | |
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| Platforms & Tools | XTB | Capital.com | |
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| Web Platform | Yes | Yes | |
| iPhone App | Yes | Yes | |
| Android App | Yes | Yes | |
| Stock Alerts | Yes | Yes | |
| Charting - Indicators / Studies | 39 | 77 | |
| Charting - Drawing Tools | 20 | 18 | |
| Charting - Notes | Yes | Yes | |
| Charting - Display Corporate Events | Yes | No | |
| Charting - Stock Overlays | No | No | |
| Charting - Index Overlays | No | No |
| Research | XTB | Capital.com | |
|---|---|---|---|
| Research - Shares | Yes | No | |
| Research - CFDs | Yes | Yes | |
| Research - Funds | No | No | |
| Fund Research - Research Reports | No | No | |
| Research - ETFs | Yes | No | |
| Research - Bonds | No | No | |
| Portfolio Allocation Breakdown | Yes | Yes |
| Education | XTB | Capital.com | |
|---|---|---|---|
| Education (Share Trading) | Yes | No | |
| Education (Funds) | No | No | |
| Education (Retirement) | No | No | |
| Client Webinars | No | No | |
| Client Webinars (Archived) | No | No |
| Overall Summary | XTB | Capital.com | |
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| Review | XTB Review | Capital.com Review | |
| Winner | check_circle |
Comparing online share dealing platforms side by side is no small task. For our 2024 review of U.K. brokers, more than 900 data points were collected over a 10-week period and used to score each broker. Let’s compare XTB and Capital.com.
For our 2024 Review, we assessed the best trading platforms in the UK for online share dealing. Let's compare XTB vs Capital.com.
XTB has set itself up as a strong competitor in commission-free share trading. Its low fees and solid educational content will make XTB particularly attractive to newer investors. It does not, however, offer an ISA or SIPP.
Capital.com is a U.K. broker primarily known for CFDs (contracts for difference) and spread betting. While it previously offered the chance to buy and sell shares commission-free, you can no longer buy shares directly through Capital.com. Trading is limited to an unleveraged CFD account.
Alongside the cost per trade, most UK online brokers also charge a monthly, quarterly, or annual management fee, which varies based on the account type and balance. Based on our thorough review, XTB offers better pricing than Capital.com for share dealing.
Assuming a £30,000 portfolio size, here are the total annual costs for share dealing with both brokers, given different monthly activity scenarios.
5 trades per year - XTB would cost £0 per year, while Capital.com would cost N/A per year.
12 trades per year - XTB would cost £0 per year, while Capital.com would cost N/A per year.
36 trades per year - XTB would cost £0 per year, while Capital.com would cost N/A per year.
120 trades per year - XTB would cost £0 per year, while Capital.com would cost N/A per year.
3 fund trades per year - XTB would cost £0 per year, while Capital.com would cost £20 per year.
What type of trader are you?
New to the world of investing? See my picks for the best UK trading platforms for beginners. More experienced traders should check out my guide to the best UK Trading Platforms for Active Traders. If you're looking to trade shares on the go, read my guide to the best UK stock trading apps.
XTB requires a minimum deposit of £0, while Capital.com requires a minimum deposit of £20. From our testing we found for accounts between £0 - £250,000 XTB charges annual custody fees of 0, while Capital.com charges annual custody fees of £0.
XTB offers investors access to ISA, Share Trading, CFD Trading, ETFs and Spread Betting, while Capital.com offers investors access to Share Trading, CFD Trading and Spread Betting. Neither have SIPP, Funds, Bonds - Corporate, Bonds - Government (Gilts), Investment Trusts, Crypto Trading and Advisor Services. Investing encompasses a wide variety of asset classes, so finding a broker that offers every investment type you are interested in is important.
Self-invested personal pensions (SIPPs) and individual savings accounts (ISAs) are tax-advantaged savings accounts that are an important tool for many individual investors. You can read more about how these accounts operate at Gov.UK: Click here for SIPP information and here for ISA information. Our analysis finds that XTB offers traders access to ISA accounts, while Capital.com offers traders access to neither of these accounts. Neither have SIPP.
In our analysis of top brokers for share dealing in the U.K., we research whether each broker offers the ability to trade cash cryptocurrency, such as bitcoin and ethereum, which is still a somewhat rare offering amongst major U.K. brokers. Our review finds that neither XTB nor Capital.com offer crypto investing.
Our testing concluded that the website of Capital.com is better than the website of XTB. Capital.com offers more functionality, is cleanly designed, and is, overall, easier to use for beginners and casual investors.
To compare the trading platforms of both XTB and Capital.com, we tested each broker's stock trading app. All features compared, our analysis finds that XTB offers a better mobile app. Dive deeper: Best Stock Trading Apps UK.
Educational offerings are of particular importance to those who are newer to investing, and we examine the availability of several different types of educational materials in our analysis. Our research finds that XTB offers traders access to Education (Share Trading), while Capital.com offers access to none. Neither have Client Webinars, Client Webinars (Archived), Education (Funds) and Education (Retirement).
Overall winner: XTB
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