Capital.com vs XM
Head-to-head comparison of fees, platforms, regulation, and trading conditions to help you choose the right EU broker in 2026.
CFD risk warning: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74-89% of retail investor accounts lose money when trading CFDs.
Quick Verdict
XM scores higher overall at 8.7/10 vs 8.6/10.
Score Comparison
Trading Conditions
| Condition | Capital.com | XM |
|---|---|---|
| Min Deposit | €20 | $5 |
| EUR/USD Spread | 0.6 pips average | 0.6 pips (Ultra Low), 1.6 pips (Standard) |
| Commission | None (spread-only) | None |
| Leverage (Retail) | 30:1 | 30:1 |
| Leverage (Pro) | 500:1 | 500:1 |
| Swap-Free | Yes | Yes |
| Withdrawal Fee | Free | Free |
Platform Comparison
Capital.com Platforms
- Capital.com Platform
- Capital.com App
- MetaTrader 4
- TradingView
Standard, Plus, Premier
XM Platforms
- MetaTrader 4
- MetaTrader 5
- XM App
Micro, Standard, Ultra Low, Shares
Regulation & Safety
Capital.com Regulation
FCA
CySEC
ASICICF up to EUR 20,000
XM Regulation
IFSCICF up to EUR 20,000
Overall Verdict
XM takes the overall win with a score of 8.7 vs 8.6, winning 3 out of 7 individual categories compared to Capital.com's 2.
In terms of costs, though Capital.com edges ahead on fees. On the regulatory front, XM with both offering comparable regulatory protection.
Choose XM if you prioritise its strengths in the categories where it leads. Choose Capital.com if you value the specific areas where it scores higher, such as fees & costs, platforms, and more.
CFD Risk Warning
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 74-89% of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
This website is for informational purposes only. The content does not constitute investment advice. Trading leveraged products carries a high level of risk and may not be suitable for all investors. Past performance is not indicative of future results. EU retail leverage limits apply (ESMA): up to 30:1 on major FX pairs, 20:1 on minor FX, 20:1 on major indices, 10:1 on commodities, 5:1 on equities, 2:1 on crypto.