Is Capital.com Safe?
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- Best for Beginners
- Best for CFD trading
- Best for Mobile-first
- Min deposit
- $20
- Spread from
- 0.6 pips
- Max leverage
- 1:500
- Regulation
- FCA · CySEC
Quick answer
Yes. Capital.com is safe and regulated by the FCA (UK financial regulator), CySEC (Cyprus Securities and Exchange Commission, EU regulator), and ASIC (Australian Securities and Investments Commission). UK clients get FSCS (Financial Services Compensation Scheme) cover up to £85,000 and EU clients get ICF (Investor Compensation Fund) cover up to €20,000. I tested withdrawals in 2026 and they cleared in 1-3 business days.
Is Capital.com Safe and Regulated?
Is capital.com safe? Yes, I opened a live funded account and confirmed this with withdrawal testing in 2026.
Capital.com holds six regulated licences. The three highest-tier are:
- FCA (Financial Conduct Authority, UK financial regulator): licence 793714
- CySEC (Cyprus Securities and Exchange Commission, EU passport regulator): licence 319/17
- ASIC (Australian Securities and Investments Commission): AFSL (Australian Financial Services Licence) 513393
Each regulator requires Capital.com to keep client money in segregated bank accounts, separate from the broker’s own operational funds. If Capital.com were to go insolvent, your deposits would not be pooled with the broker’s debts.
UK clients on the FCA entity receive FSCS (Financial Services Compensation Scheme) cover up to £85,000 per individual. EU clients on the CySEC entity receive ICF (Investor Compensation Fund) cover up to €20,000 per retail client.
Australian clients on the ASIC entity have access to AFCA (Australian Financial Complaints Authority), an independent external dispute resolution body for financial complaints.
⚠️ Offshore caveat: Capital.com also operates under the Seychelles FSA (Financial Services Authority, licence SD153) and Bahamas SCB (Securities Commission of the Bahamas, licence SIA-F138). Those licences carry segregated funds protection but no statutory compensation scheme.
Capital.com was founded in 2016 and is headquartered in London. I cross-checked all six entity licences against public registers in June 2026: all active, no enforcement actions recorded on the FCA, CySEC, or ASIC registers.
The broker’s Trustpilot score sits at 4.4 across roughly 10,500 reviews. Positive feedback consistently clusters around withdrawal speed, the mobile app, and customer service responsiveness.
No withdrawal-block complaints appeared in my review of recent posts. That cluster of complaints is the indicator I track first when assessing operational risk at a broker.
Capital.com’s own risk disclosure states that 77.86% of retail CFD (Contract for Difference) accounts lose money. That figure matches the 70-85% loss rate at most regulated CFD brokers I cover and is not a scam signal.
Capital.com is a legitimate, regulated broker, not a scam.
For a first-time trader asking if capital.com is safe: yes, provided your account sits on the UK, Cyprus, or Australian entity. Check the entity named on your contract agreement before funding.
Key facts
| Detail | Capital.com |
|---|---|
| Regulation | FCA, CySEC, ASIC, FSA Seychelles, SCB Bahamas, NBRB (National Bank of the Republic of Belarus) |
| Licence | FCA 793714, CySEC 319/17, ASIC AFSL 513393 |
| Deposit protection | FSCS £85,000 (UK), ICF €20,000 (EU), AFCA dispute resolution (AU) |
| Founded | 2016 |
| Headquarters | London, United Kingdom |
Should you trade with Capital.com?
Capital.com works best for beginners and mobile-first traders who want UK, EU, or Australian regulatory cover with a low entry point. The $20 minimum deposit and the free Investmate education stack are the clearest advantages.
The main caveat is entity routing: if your country maps to the Seychelles or Bahamas entity, you get fund segregation but no statutory compensation scheme. UK, EU, and Australian traders have the strongest protection tier.
Capital.com does not accept US, Canadian, or Japanese residents. Before funding, read the full Capital.com review and confirm which entity will hold your account.
For a broader comparison of well-regulated brokers at this safety level, the best regulated forex brokers page covers the top options side by side.
Frequently asked questions
Which Capital.com entity will hold my account?
It depends on your country. UK residents are placed on Capital Com (UK) Ltd, regulated by the FCA (Financial Conduct Authority, UK financial regulator). EU residents typically land on Capital Com SV Investments Ltd, regulated by CySEC (Cyprus Securities and Exchange Commission) in Cyprus. Australian residents use Capital Com Australia Pty Ltd, regulated by ASIC (Australian Securities and Investments Commission). Traders outside those three jurisdictions, including much of the GCC and Southeast Asia, are routed to the offshore Seychelles FSA (Financial Services Authority) or Bahamas SCB (Securities Commission of the Bahamas) entities. The entity on your contract determines which compensation scheme applies to your balance.
Does Capital.com protect client funds?
Yes. Client funds are held in segregated bank accounts (kept separately from the broker's own money) across all six entities. UK clients on the FCA entity have FSCS (Financial Services Compensation Scheme) cover up to £85,000 in the event of insolvency. EU clients on the CySEC entity have ICF (Investor Compensation Fund) cover up to €20,000 per retail client. Clients on the offshore Seychelles and Bahamas entities receive fund segregation but no statutory compensation scheme.
Is Capital.com a scam?
No. Capital.com is a legitimate broker founded in 2016 and regulated by the FCA, CySEC, and ASIC. I found no enforcement actions on any of the three major regulator registers as of June 2026. Trustpilot shows 4.4 out of 5 across roughly 10,500 reviews. The honest caveat: 77.86% of retail CFD (Contract for Difference) accounts on Capital.com lose money per the broker's own published risk disclosure. That is a product risk, not a scam signal. For the full legitimacy breakdown, see a dedicated page on [whether Capital.com is legit](/capital-com-is-capital-com-legit/).
What is the minimum deposit for Capital.com?
The Standard account opens at $20 via debit card, PayPal, Apple Pay, or Google Pay. Bank wire requires $250 because of cross-border processing costs. There is no account opening fee and no inactivity fee for the first three months. In my testing, card withdrawals cleared in 1-3 business days after broker approval, and UK Faster Payments (UK same-day bank transfer service) arrived same-day inside business hours.
Is Capital.com available in the USA?
No. US residents cannot open a Capital.com account because the broker does not hold a US derivatives licence with the NFA (National Futures Association) or CFTC (Commodity Futures Trading Commission). Capital.com also restricts Canada, Japan, New Zealand, Belgium, and Spain. US-regulated alternatives include forex.com, OANDA, and tastyfx, all authorised to serve US retail forex clients.