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Head to head
Capital.com or OANDA? Fees, regulation, platform and product range compared side by side — with a verdict drawn from the data.
Risk warning: CFDs and leveraged products are complex instruments and come with a high risk of losing money rapidly. Investments can fall in value. Past performance is not an indicator of future results.
A polished retail CFD platform in Europe, provided you accept that CFDs are the whole product.
Thirty years, six top-tier licences and one of the strongest mobile apps in FX - attached to spreads you have to work around.
Advertising disclosure: where a partnership is active, we may earn a commission through broker links. The provider’s terms apply. Commissions do not influence our ratings; paid placements are separately labelled as sponsored.
Four decision axes, each derived from the recorded data.
Overall Capital.com takes it, 4.3 against 4.1 out of 5. The two pricing models cannot be converted like for like; the fee rows in the table carry the detail. OANDA scores 89 against 77 out of 100 on the group index. Your account's protection depends on its legal entity. OANDA covers more ground with 10 of 14 asset classes against 8. We rate platform and app at 4.4 out of 5 for both. Which one is right depends on which of these axes matters for your trading profile.
Capital.comCapital.comCapital.comCapital.comCapital.comUp to four brokers at once — every row a decision point.
Data as of: 30 Aug 2026
| Criterion | ||
|---|---|---|
| Overall score | 4.3 — Better | 4.1 |
| Group index | 77 of 100 | 89 of 100 |
| Best for | Active CFD tradersForex day tradingMobile-first tradersBeginners learning leverageCrypto CFD exposure | BeginnersMobile-first tradersUS and Canadian residentsResearch-led discretionary tradingAPI and algo access |
| Regulation | FCAASICCySECCySEC | CFTC/NFAFCAASICCIROMASJFSAKNFBVI FSC |
| Top-tier licences | 2 | 6 — Better |
| Investor protection | £85,000 | CA$1,000,000 — Better |
| Listed group | No | No |
| Banking licence | No | No |
| Segregated client accounts | Yes | Yes |
| Negative balance protection | Yes | Yes |
| Audited financials | Yes | Yes |
| Disclosed regulatory actions | None | None |
| Founded | 2016 | 1996 |
| Headquarters | Limassol, CY | New York, US |
| Fees | 4.4 — Better | 3.5 |
| Safety & regulation | 4.3 | 4.7 — Better |
| Trading platform | 4.3 — Better | 4.2 |
| Product range | 3.6 — Better | 3.5 |
| Mobile app | 4.6 — Better | 4.5 |
| Research | 4.2 | 4.6 — Better |
| Customer support | 4.2 — Better | 3.9 |
| Deposit & withdrawal | 4.5 — Better | 3.8 |
| Account opening | 4.6 — Better | 4.3 |
| Education | 4.6 — Better | 3.6 |
| Reference order EUR 5,000 | €5.00 | 0.06 % (CFD) |
| Minimum deposit | US$20 | None — Better |
| Stocks (per order) | in the spread | 0.06 % (CFD) |
| US stocks | in the spread | 0.06 % (CFD) |
| ETFs | in the spread | 0.06 % (CFD) |
| Options | Not offered | Not offered |
| Futures | Not offered | Not offered |
| Crypto | in the spread | in the spread |
| Bonds (order) | n/a | in the spread |
| Funds (order) | n/a | n/a |
| EUR/USD spread | 0.7 pips — Better | 1.7 pips |
| Index CFD spread | 1 points | 1 points |
| FX conversion | 0.7 % — Better | 1 % |
| Inactivity fee | None — Better | US$20 · after 12 months |
| Custody fee | n/a | n/a |
| Withdrawal fee | free | free |
| Deposit fee | free | free |
| Overnight financing | 4.05 % | n/a |
| Other fees |
|
|
| Asset classes (of 14) | 8 | 10 — Better |
| Exchanges | n/a | n/a |
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Options | No | No |
| Futures | No | No |
| Forex | Yes | Yes |
| CFDs | Yes | Yes |
| Crypto | Yes | Yes |
| Bonds | No | Yes |
| Funds | No | No |
| Commodities | Yes | Yes |
| Indices | Yes | Yes |
| Warrants | No | No |
| Spread betting | Yes | Yes |
| Social trading | No | Yes |
| Platforms | Capital.com Web PlatformCapital.com Mobile AppMetaTrader 4MetaTrader 5TradingView | OANDA Trade (web)OANDA Trade (mobile)MetaTrader 4MetaTrader 5TradingViewAlgo Labs API |
| Demo account | Yes | Yes |
| Fractional shares | Yes | No |
| Maximum leverage | 1:30 · Pro 1:300 | 1:30 |
| Account opening | Under 10 minutes — fully digital, usually verified the same day | Online application, usually approved within one business day |
| Account types | Standard (Retail)ProfessionalCapital.com Invest | Standard (spread-only)Core pricing + commissionPremium and Premium PlusSpread betting (UK only)Professional (UK) |
| Payment methods | Bank transferSEPACredit cardDebit cardPayPalApple PayGoogle PaySkrillNeteller | Bank transferSEPACredit cardDebit cardSkrillNeteller |
| Account currencies | USDEURGBPPLNAUD | USDEURGBPAUDCADJPYSGDHKD |
| Deposit time | Instant for cards and e-wallets, 1–3 business days for bank wire | Instant on cards, 1-3 business days by bank transfer |
| Withdrawal time | 1–3 business days | 1-3 business days; bank wires can take longer |
| Free withdrawals | n/a | n/a |
| Languages | EnglishGermanSpanishItalianFrenchPolishArabicDutchRomanianCzech | EnglishGermanSpanishChineseJapanesePolish |
| Channels | EmailLive chatPhone | PhoneEmailLive chat |
| Availability | 24/7 | 24/5 |
Editorial assessment based on the recorded data.
Capital.com
A polished retail CFD platform in Europe, provided you accept that CFDs are the whole product.
Pros
Cons
Best for
OANDA
Thirty years, six top-tier licences and one of the strongest mobile apps in FX - attached to spreads you have to work around.
Pros
Cons
Best for
Open an account with either
A demo account costs nothing and answers the platform question in ten minutes.
Advertising disclosure: where a partnership is active, we may earn a commission through broker links. The provider’s terms apply. Commissions do not influence our ratings; paid placements are separately labelled as sponsored.
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