Capital.com Spreads, Fees, and Commissions

Written by Zornitsa Stefanova

Zornitsa Stefanova

Zornitsa Stefanova is experienced forex and crypto analyst. She also covers various financial topics such as stocks trading and retirement investments.

, | Updated: April 22, 2026

Capital.com is a leading multi-asset CFD provider that has grown rapidly since its launch in 2016. The broker serves clients globally with licenses from top-tier authorities like CySEC, FCA, SCB, CMA, SCA, and ASIC, offering access to over 5,000 CFD and knock-out markets, along with spread betting in the UK. It attracts traders with its commission-free pricing model, paired with variable spreads that change based on market conditions. The broker appeals to beginners with its low barrier to entry, as minimum deposits start from $/€20 with most supported payment methods.

Capital.com offers an intuitive proprietary interface in addition to integration with third-party platforms like MetaTrader 4, MetaTrader 5, and TradingView. While there are no commissions on trades, customers should consider various trading and non-trading charges, including spreads, overnight funding costs, inactivity fees (in certain regions only), and fees charged when guaranteed stop losses are triggered. Continue reading for a comprehensive breakdown of all expenses you should anticipate when trading with Capital.com.

Capital.com Trading Costs

Trading with Capital.com is commission-free across all account types and asset classes, with variable spreads on all available markets. The broker aggregates prices from multiple liquidity providers and then adds a small markup depending on the specific market. This structure is ideal for casual and novice traders who favor simplicity over the complexity of commission-based accounts. While spreads represent the main cost, traders must also account for overnight financing charges on leveraged positions and non-trading fees, but we shall cover them later.

Forex CFD Trading Costs with Retail Accounts

With commission-free pricing, trading expenses are entirely built into the variable bid-ask spreads. The typical spread for the highly liquid major pair EUR/USD is around 0.7 pips. Traders can calculate their expenses by multiplying the spread by their position’s size. A standard forex lot consisting of 100,000 units of the base currency would therefore cost 100,000 x 0.00007 = $7 per side, before any other fees.

A micro lot with 1,000 base currency units will respectively cost 1,000 x 0.00007 = $0.07 per side. Assuming you close the position at the same price, you will pay $0.14 in total per micro lot and $14 per standard lot (before any other fees). This spread-based structure provides clear and transparent pricing, where the full cost is known at the time of opening and closing a position, making it quite straightforward to calculate your overall trading expenditure.

*The calculations in the chart above do not factor in the use of leverage. All listed spread charges correspond to accounts denominated in US dollars and reflect the total expense incurred when opening a position.

Costs of Trading Knock-Out Options with Capital.com

In selected countries, Capital.com offers knock-out options across a range of markets, including forex, indices, cryptocurrencies, and more. Knock-outs are non-margin derivative options, meaning a trader pays the full Option Price upfront, which defines the maximum risk for the trade, subject to overnight funding adjustments and any applicable currency conversion fees.

When opening a knock-out trade, costs consist of the knock-out value and a knock-out fee, which is charged to guarantee execution at the knock-out level if it is reached. The knock-out fee is calculated as a percentage of the trade’s full opening exposure and is refunded in full if the position is closed before being knocked out.

Exposure is calculated as the number of options multiplied by the underlying market price. For example, if the Germany 40 index is trading at 10,000 and a trader opens a Call knock-out with the knock-out level set at 9,900, the knock-out distance is 100 points.

Trading 10 options would give exposure of:
10 × 10,000 = €100,000

Assuming a knock-out fee of 0.02%, the fee payable if the knock-out level is triggered would be:
€100,000 × 0.02% = €20

The total cost to open the trade would therefore be:
(100 × 10) + €20 = €1,020

If the market reaches the knock-out level, the position is closed automatically, and the trader loses the full opening cost. If the knock-out level is not triggered, the knock-out fee is refunded, and the trader pays only the spread (built into the knock-out distance) and any applicable overnight funding.

If the account’s base currency differs from the currency of the underlying market, an FX conversion fee applies when opening and closing the trade, using the platform’s standard conversion rate, which includes a 0.7% markup.

*This entry price is used solely for illustrative purposes.
**Traders pay a knock-out fee only if the knock-out level is triggered, hence the differentiation between minimum and maximum total expenses. The costs indicate the amount traders pay when using dollar-denominated accounts. Overnight funding expenses are not included.

Note that the trader is effectively obligated to set a knock-out level when engaging with this type of product. The knock‑out level is what defines the built‑in maximum loss and, in some cases, a built‑in profit cap. Without it, this would no longer be a knock‑out contract but rather a regular contract for difference or option. Below, you will find the knock-out fees for some popular instruments available at Capital.com.

Capital.com Overnight Funding Costs

Some of the most significant costs for customers who hold positions open beyond a single trading day are the overnight funding adjustments, commonly known as swaps or swap fees. These are either charged or credited daily to all leveraged positions that remain open after market closing hours. The fees are based on a number of factors, including relevant interest-rate benchmarks like SOFR or SONIA and a proprietary daily administrative fee.

The position’s direction generally determines whether the trader pays or receives interest. The underlying interest rate differential of the asset also bears consideration, which is why some pairs have only positive or negative swaps in both directions.

Let us provide an example with a hypothetical position in EUR/USD with 1:30 leverage and a notional total value of $30,000. The trader has deposited $1,000, while the remaining $29,000 was effectively forwarded from the broker. For the purposes of this example, the notional value is multiplied by an illustrative daily overnight funding rate. These figures are for explanatory purposes only and do not represent current or actual overnight funding rates.

• Long position: $30,000 x (-0.0000963) = -$2.889
• Short position: $30,000 x 0.0000141 = $0.423

It follows that our hypothetical trader will have around $2.89 deducted from their balance when holding a long position in EUR/USD for a single night. Around $0.42 will be credited to their balance for leveraged short positions in the pair. Respectively, if the long position remains open for three days, the trader will pay roughly $8.67 for overnight funding alone. For short positions, Capital.com will credit approximately $1.27 to the customer’s balance after a three-day holding period.

*Note that swap rates are subject to change over time and the above figures are for illustrative purposes only.

Swap-Free Trading Costs at Capital.com

Capital.com provides swap-free accounts in certain regions. This includes the 1X account in the UK and the Islamic accounts available in Egypt, Kuwait, Saudi Arabia, and several other countries.

In a standard swap-free offering, the daily overnight funding charge is removed, but to cover the associated dealing costs, the broker usually implements a time-based administrative fee after a certain grace period. However, Capital.com’s approach is slightly different. The broker substitutes the standard interest-based charge with a flat daily fee or uses a wider spread on specific instruments, effectively covering the overnight funding costs without violating the interest-free principle.

To access this specialized account type, clients must contact customer support. Only fully verified accounts are eligible for transitioning to a swap-free status, after which all overnight funding adjustments on applicable markets will be replaced by the alternative fee structure.

Capital.com Non-Trading Costs

Capital.com has no charges for account opening and imposes no transaction fees for funding your balance or withdrawing from your account, regardless of the payment method you use. Closing your live account is also free. However, onboarding customers should be aware of a few non-trading expenses, including fees for inactivity, currency conversion (both in certain regions only), and activated guaranteed stop losses. Continue reading for further information.

Currency Conversion Fees

In some regions, a currency conversion fee applies when you trade contracts for difference denominated in a currency different from your base account currency. If you use a euro-denominated account and you open a position in GBP/USD, you will pay a conversion fee because the eventual profit or loss must be converted back to euros. The broker applies a 0.7% markup on the spot forex rates for retail clients, while professional traders incur a 0.5% currency conversion fee.

Example: You have a euro-denominated account and close a GBP/USD position with a $100 profit. Assuming the current EUR/USD spot rate is 1.0800, your theoretical profit before the fee will be €92.59 ($100 / 1.0800). Capital.com applies the 0.7% fee by using an ‘all-in’ exchange 0.7% less favorable than the spot rate, resulting in an EUR/USD rate of 1.0876. The final profit credited to the account is €91.94, reflecting a conversion charge of €0.65.

Inactivity Fees

To maintain low operating costs for all users, Capital.com does not impose any monthly maintenance fees on active accounts. However, clients in some regions incur fees in the absence of any trading activity over prolonged periods. If they fail to log in or open positions for 12 consecutive months, the broker will deduct a $10 monthly fee, or currency equivalent, from their available balance. These charges cease as soon as account activity resumes.

Guaranteed Stop Loss Premium

A guaranteed stop loss order (GSLO) is a risk management tool that ensures a position closes at the exact price you set, regardless of severe market volatility or gapping. This protection comes at the cost of a premium charged when, and only when, the GSLO is activated.

If the position is closed at any other level and the guaranteed stop loss is not hit, the premium will be fully refunded to your account. The cost is percentage-based but varies across different markets. Traders can calculate their GSLO expenses using the following formula:

GSL fee = GSL premium * position open price * quantity.

Let us suppose you open one contract in XAU/USD at a price of $4,000 and place a guaranteed stop-loss at $3,990 to limit your potential loss. If the market moves against you and the GSLO is triggered, the position will be closed exactly at $3,990, regardless of any price gaps or slippage. With a GSLO premium of 0.03%, the fee charged would be 0.03% × 4,000 × 1 = $1.20. This fee is only applied if the GSLO is triggered.

Closing Thoughts on Capital.com Fees

On balance, Capital.com maintains a highly competitive, commission-free pricing structure, which makes it attractive for both beginners and experienced traders. The main costs are the variable spreads, which are quite fair across all asset classes, and the significant overnight funding costs on leveraged positions. Traders must carefully budget for these daily swaps, as they are the most substantial variable expense. The non-trading fees are generally minimal, with free deposits and withdrawals, though traders must be mindful of the currency conversion fee and the optional guaranteed stop loss premium to accurately calculate their total trading expenditure.

Written by Z. Stefanova