Capital.com vs XM: which broker is better in 2026?
We compare Capital.com and XM — two forex & CFD brokers — side by side across regulation, fees, platforms, minimum deposit, and our editorial scores. Based on our overall editorial score, Capital.com edges ahead (3.8/5), but the right choice depends on what matters most to you — check the breakdown below.
Side-by-side comparison
CriteriaCapital.comXM
Overall score 3.8 3.6
Regulation & safety 4.0 3.0
Fees & deposit 3.5 3.5
Platform & assets 4.0 4.0
User support 3.5 4.0
Trust score76/10069/100
Minimum depositVaries by account type — check the official siteVaries by account type — check the official site
Demo accountAvailableAvailable
PlatformsCapital.com web/mobile platform, MetaTrader 4, TradingView (integrated)MetaTrader 4, MetaTrader 5, XM app
Fee modelSpread model (no commission) — variesStandard / ultra-low spread; figures vary
Pros & cons
- Tier-1 regulation (FCA/CySEC/ASIC) + a modern AI-powered platform
- Thousands of CFD markets + MT4 & TradingView
- Beginner-friendly interface + education
- CFDs only (no real stocks/asset ownership)
- Entity/product availability differs per region
- Leveraged CFDs are high-risk
- Very large client base, strong multilingual education & support
- MT4/MT5 + many instruments
- CySEC license for the EU entity
- Many retail clients via the offshore entity (Belize) — weaker protection
- Standard spread is not the cheapest
- Leverage is high-risk
Regulation at a glance
Capital.com
Regulated by the FCA (UK), CySEC (Cyprus), ASIC (Australia), SCB (Bahamas), FSA (Seychelles). CFD focus with an AI-powered platform.
XM
Trading Point group — regulated by CySEC (Cyprus), ASIC (historically), DFSA (Dubai), FSC (Belize), FSCA (South Africa). Many retail clients via the offshore entity (Belize).