Comparison of Capital.com vs XTB [ 2024 ]

The best brokers to invest in cryptocurrencies compared by their commissions, cryptos, security and much more. Here is theCapital.com vs XTB comparison!

Your expert: Alejandro Borja

Capital.com

Your expert: Xavier Tarrasó

XTB

Main points

Fees

Low 3,9/5

Regulated

CySEC, FCA

Demo account

Yes

Low 4,7/5

Fees

FCA, KNF

Regulated

Yes

Demo account

Recommended for

Beginners

Yes

Trading

Yes

Passive income

Buy and hold

Yes

Beginners

Yes

Trading

Passive income

Buy and hold

Comparison of fees

Rating

4.5 – Capital.com provides excellent value with zero commissions and very tight spreads on a wide range of cryptocurrencies. The overnight financing fees are the only additional cost .

4.4 – XTB provides excellent value with no deposit or withdrawal fees for most methods and tight spreads. The inactivity fee after 12 months is the main additional cost .

Level

Low 3,9/5

Low 4,7/5

Brief explanation

Capital.com offers a competitive fee structure that makes it an attractive choice for cryptocurrency traders. The platform charges 0% commissions on trades, meaning there are no upfront costs for executing trades. However, traders should be aware of the overnight financing fees (swap rates) applied to positions held overnight. These fees vary depending on the cryptocurrency and whether the position is long or short. For example, long positions incur a fee of 0.06164% of the exposure plus the daily interest fee, while short positions receive 0.0137% of the exposure minus the daily interest fee. Additionally, while deposits and withdrawals are generally free, an inactivity fee applies after one year for clients contracting with Cyprus (CCSV) or Bahamas (SCB). Overall, Capital.com’s fee structure is transparent and competitive, but it’s important for traders to account for potential overnight fees.

XTB’s fee structure is primarily built around spreads, with no commissions for crypto trades. The spreads are competitive, starting from 0.22% for Bitcoin. Additionally, XTB does not charge deposit fees for bank transfers or credit/debit cards, although e-wallet deposits may incur fees ranging from 1% to 2%. Withdrawals are generally free unless the amount is below $50, in which case a $30 fee applies. An inactivity fee of $10 per month is charged after 12 months of inactivity. Overall, XTB’s fee structure is straightforward and relatively low-cost compared to other brokers .

Capital.com

Year Founded: Capital.com was established in 2016. Despite being relatively new, the platform has quickly built a reputation for reliability and innovation in the trading industry.
Number of Users: Capital.com serves a large and growing user base, with over 1 million registered users globally. This extensive user adoption reflects the platform's credibility and popularity among traders.
Security Methods: Capital.com employs state-of-the-art security measures to protect user data and funds. This includes SSL encryption, two-factor authentication (2FA), and secure data storage practices. Additionally, the platform uses AI algorithms to detect and prevent fraudulent activities.
Regulation: The platform is regulated by several top-tier financial authorities, including the Financial Conduct Authority (FCA) in the UK, the Australian Securities and Investments Commission (ASIC), the Cyprus Securities and Exchange Commission (CySEC), and the Securities Commission of the Bahamas (SCB). This multi-jurisdictional regulation ensures that Capital.com adheres to strict financial and operational standards.
Transparency: Capital.com is committed to transparency, providing clear information about fees, trading conditions, and the risks involved in CFD trading. The platform's educational resources, such as the Investmate app, further support transparency by helping users understand the trading process and make informed decisions.

XTB

Year Founded: XTB was established in 2002, providing over two decades of experience in the financial trading industry. This longevity indicates a stable and reliable presence in the market.
Number of Users: XTB has a substantial client base, serving thousands of traders worldwide. This extensive user base reflects the trust and satisfaction of its clients.
Transparency: Being listed on the Warsaw Stock Exchange adds to XTB's transparency. The company regularly publishes its financial statements, providing clients and investors with a clear view of its financial health and operations.
Security Methods: XTB is known for its robust security measures. It employs advanced encryption and offers negative balance protection, ensuring that clients' funds and data are secure.
Regulation: XTB is regulated by top-tier financial authorities, including the Financial Conduct Authority (FCA) in the UK, the Cyprus Securities and Exchange Commission (CySEC), and the Polish Financial Supervision Authority (KNF). This high level of regulatory oversight ensures that XTB adheres to strict financial and operational standards.

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Product selection

Native token

Capital.com does not have a native token.

XTB does not have a native token.

Earns

Capital.com does not offer staking or earning options with cryptocurrencies. It focuses on trading crypto CFDs with leverage .

XTB does not provide staking or earning options for cryptocurrencies. The platform offers trading in crypto CFDs .

NFT marketplace

Capital.com does not have an NFT marketplace.

XTB does not have an NFT marketplace.

Cripto/debit card

Capital.com does not have a card for its clients .

XTB does not have a card for its clients .

Payment methods

Transfers

Yes, Capital.com accepts bank transfers for both deposits and withdrawals .

Yes, XTB accepts bank transfers for both deposits and withdrawals .

Mastercard

Yes, Capital.com accepts Mastercard for deposits.

Yes, XTB accepts Mastercard for deposits.

Wire transfer

Wise is not mentioned as a supported payment method .

Card

Yes, Capital.com accepts credit/debit cards (Visa, Mastercard) .

Yes, XTB accepts credit/debit cards .

Comparative table

Capital.com	Features	XTB
The minimum trade amount is very low at $1, making it accessible for all types of traders.	Minimum Trade	Minimum trade size is flexible, starting at $1. This low threshold allows even small-scale investors to participate in cryptocurrency trading .
Capital.com offers 0% commissions on trades, but high swap rates for overnight positions.	Trading and Transaction Fees	XTB charges spreads on crypto trades starting from 0.22% for Bitcoin. While competitive, additional fees apply for certain e-wallet deposits and withdrawals .
With 377 cryptocurrencies and 490+ crypto pairs available, the selection is extensive.	Number of Cryptocurrencies	XTB offers trading on over 50 cryptocurrencies, including major coins like Bitcoin, Ethereum, and Litecoin, along with various crypto pairs .
The platform offers numerous crypto-only pairs, allowing for extensive trading opportunities.	Crypto-to-Crypto Trading Pairs	The platform supports 16 intra-crypto pairs, allowing traders to speculate on the performance of one cryptocurrency against another .
Information on fees, regulations, and trading conditions is clear, but some details on spreads and swaps could be more transparent.	Website Transparency	XTB provides comprehensive information about its services, fees, and regulations. However, some users may find the navigation slightly complex .
Capital.com does not have a card for its clients .	Credit/Debit Card	XTB does not have a card for its clients .
Capital.com only offers CFD trading, meaning users cannot store actual cryptocurrencies.	Storage Offering	As a CFD provider, XTB does not offer dedicated crypto wallet services. Traders need to use external wallets if they wish to own actual cryptocurrencies .
The platform does not support staking or rewards for holding cryptocurrencies.	Staking and Rewards	XTB does not provide staking options or rewards programs for holding cryptocurrencies, which might be a drawback for some investors .
Both the mobile app and desktop platform are highly intuitive and user-friendly, providing seamless trading experiences.	Mobile App and Desktop	The xStation platform is available on both mobile and desktop, offering a seamless and user-friendly experience with advanced trading tools .
Customer service is available 24/7, but live chat support can be unreliable.	Customer Service	XTB’s customer service is available 24/5, providing support via phone, live chat, and email. While generally responsive, some users report occasional delays .
Deposits and withdrawals are free and processed quickly, but the range of available currencies is limited.	Deposit and Withdraw	Deposits and withdrawals are mostly fee-free, except for small withdrawals under certain thresholds. The process is straightforward and quick .

Key features

Analysis tools

Capital.com features the Investmate app for educational purposes, offers advanced charting tools, technical indicators, and a demo mode for practice trading. Their platform supports extensive market analysis and educational resources .

XTB offers the xStation platform with advanced charting tools, technical indicators, and intra-crypto pairs for detailed analysis. They also provide educational resources and market analysis tools .

Mobile APP

Yes, Capital.com offers mobile apps for iOS and Android, providing a smooth and intuitive trading experience on both platforms .

Yes, XTB provides the xStation mobile app, which includes advanced trading and charting tools

Security

Capital.com is authorized and regulated by several top-tier regulators, including the FCA and CySEC. They offer negative balance protection, ensuring investors are protected from losing more than their account balance. However, they do not have a banking license.

XTB is regulated by top-tier authorities, including the FCA and CySEC. They provide negative balance protection and are listed on the Warsaw Stock Exchange, enhancing transparency and security.

Additional features

Capital.com offers CFD trading on a wide range of cryptocurrencies with competitive spreads and zero commissions. They support 377 cryptocurrencies for trading and provide a user-friendly interface, both on desktop and mobile. Capital.com also includes advanced educational tools such as courses, blogs, and tutorials, and they offer negative balance protection. Their trading platform allows trading 24/7 with a low minimum deposit requirement of $20 for card payments .

XTB provides trading on over 50 cryptocurrencies with tight spreads and leverage up to 1:5. Their xStation platform offers intra-crypto pairs and 24/7 trading. XTB is known for its secure environment and transparent accounts, but crypto CFDs are not available to retail traders from the UK .

Anonymity

Capital.com does not support anonymous accounts. Users must provide personal information, trading experience, and verification documents like an ID or passport and proof of address.

Anonymous accounts are not available with XTB. The account opening process requires personal information and identity verification .

Key points

Available cryptocurrencies

Capital.com offers trading in cryptocurrency CFDs. Users can trade a wide range of cryptocurrencies including Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Ripple (XRP), and many others, totaling 377 cryptocurrencies.

XTB offers trading in cryptocurrency CFDs. The supported cryptocurrencies include Bitcoin (BTC), Ethereum (ETH), Stellar (XLM), Dogecoin (DOGE), and others, totaling 50 major coins and 16 crypto pairs.

User-friendliness

Capital.com excels in providing an intuitive and seamless trading experience for cryptocurrencies. The platform’s user-friendly design, combined with robust educational resources, makes it accessible to both novice and experienced traders. Capital.com supports a wide range of cryptocurrencies and offers competitive spreads, ensuring that users have a cost-effective and efficient trading experience .

XTB’s platform is designed to be intuitive and easy to use, making it suitable for both beginners and experienced traders. The platform supports a variety of cryptocurrencies and offers competitive spreads. XTB’s strong regulatory framework and educational resources also contribute to a positive user experience .

Value for money

Capital.com stands out with 0% commission on trades and very tight spreads. The broker’s comprehensive educational resources and user-friendly platform add to its value, though inactivity fees apply after one year for some clients.

XTB offers excellent value with tight spreads and no deposit or withdrawal fees for most methods. Its comprehensive educational resources and transparent fee structure enhance its attractiveness, although inactivity fees apply after 12 months.

Countries of operation

United Kingdom, European Union, Australia, Bahamas .

United Kingdom, European Union, Dubai, Belize .

Best for

Capital.com is ideal for investors looking to trade a wide variety of cryptocurrencies with competitive spreads and zero commissions. Its user-friendly platform and extensive educational resources make it a good choice for beginners and those interested in CFD trading.

XTB is suitable for both beginners and advanced traders who want to trade a wide range of cryptocurrencies with tight spreads. Its comprehensive educational resources and strong regulatory framework make it a reliable choice for crypto trading.

Account

Trading

Capital.com provides extensive crypto CFD trading options, with over 370 cryptocurrencies available. The platform is user-friendly and offers low spreads, making it suitable for both beginners and experienced traders.

XTB provides extensive crypto CFD trading options with over 50 cryptocurrencies available. The platform is known for its tight spreads and leverage options, making it suitable for active crypto traders.

Deposit and withdrawal

Capital.com provides a seamless deposit and withdrawal experience with no fees. Supported methods include bank transfers, credit/debit cards, and e-wallets like PayPal and Apple Pay. Transactions are typically processed quickly.

XTB offers free deposits and withdrawals via bank transfers, credit/debit cards, and e-wallets. The process is efficient, with most transactions processed quickly, though small fees may apply for low withdrawal amounts.

Account opening process

Capital.com offers a seamless account opening experience. The process is fully digital and involves filling out personal information, financial status, and trading experience. Users must also submit verification documents. Accounts are typically approved within one business day.

XTB offers a hassle-free and fully digital account opening process. Users need to fill out an online form with personal and financial information, and submit verification documents. Accounts are usually approved within one business day.

KYC required?

KYC is mandatory at Capital.com. Users must complete identity verification by submitting personal identification documents and proof of residence.

Yes, KYC is required at XTB. Users need to submit identification documents and proof of address during the account opening process.

Customer Service

Capital.com offers exceptional customer service with 24/7 support via live chat, phone, and email. The support team is highly responsive and provides detailed answers, ensuring users get the help they need promptly.

XTB offers comprehensive customer support available 24/5 through phone, email, and live chat. The support team is known for being efficient and knowledgeable, ensuring users get the help they need promptly.

Security

XTB is regulated by top-tier authorities, including the FCA and CySEC. They provide negative balance protection and are listed on the Warsaw Stock Exchange, enhancing transparency and security.

Which of these exchanges is for you?

Alejandro Borja

As an expert on our website, I highly recommend Capital.com for those interested in cryptocurrency trading, especially if you’re looking for a platform with a wide range of crypto options and excellent user experience. The platform’s extensive selection of 377 cryptocurrencies and 490+ crypto pairs provides ample trading opportunities, while its intuitive interfaces and robust security measures make it a reliable choice for both beginners and seasoned traders. Despite the limitation of offering only CFD trading, the low fees and fast transactions make it an appealing option for anyone looking to engage in crypto trading.

Xavier Tarrasó

As an expert, I find XTB to be a robust choice for cryptocurrency traders, especially those interested in CFDs. The platform offers a broad range of over 50 cryptocurrencies and 16 intra-crypto pairs, providing ample opportunities for diversified trading strategies. The xStation platform is particularly user-friendly, equipped with advanced charting tools and quick execution times, which enhances the overall trading experience. Furthermore, XTB’s strong regulatory oversight by entities like the FCA, CySEC, and KNF, coupled with its transparency as a publicly listed company, ensures a high level of trust and security for traders. However, the lack of support for MetaTrader 4 and 5 and the exclusive focus on CFDs might be limiting for some users. Overall, XTB is highly suitable for both novice and experienced traders looking for a reliable and transparent platform for crypto trading.

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How do we review crypto exchanges?

At Threenvest, we conduct a thorough review process to evaluate and rank the world’s leading crypto exchanges. Our goal is to offer an unbiased assessment, providing you with the information you need to make informed decisions on which ones best suit your needs. We strictly adhere to the guidelines of our editorial policy.

We collect data directly from exchanges through detailed questionnaires and conduct first-hand testing and observations during crypto exchange demonstrations. Questionnaire responses, combined with demonstrations and hands-on research from our experts, feed into our proprietary evaluation process that scores each provider’s performance on more than 15 factors. The end result produces star ratings ranging from poor (one star) to excellent (five stars).

For more details on the categories considered when rating brokers and our process, read our full methodology.

Risk Disclaimer

Investing in cryptocurrencies is very risky, you should only invest the money you are willing to lose. Also you should not expect to be protected if something goes wrong.

Neither Threenvest, nor the author, are recommending you to invest with this article.

Comparison of Capital.com vs XTB [ 2024 ]

Capital.com

XTB

Main points

Recommended for

Comparison of fees

Rating

Level

Brief explanation

Capital.com

XTB

Product selection

Native token

Earns

NFT marketplace

Cripto/debit card

Company information

Full name

Regulation

Year founded

Founder

Payment methods

Transfers

Mastercard

Wire transfer

Card

Comparative table

Key features

Analysis tools

Mobile APP

Security

Additional features

Anonymity

Key points

Available cryptocurrencies

User-friendliness

Value for money

Countries of operation

Best for

Account

Trading

Deposit and withdrawal

Account opening process

KYC required?

Customer Service

Security

Which of these exchanges is for you?

How do we review crypto exchanges?

Risk Disclaimer

More comparatives Capital.com and XTB