Capital.com Fees Explained 2026: What You'll Actually Pay

Capital.com markets itself as commission-free, and for spot trades, that's accurate — you pay nothing per trade beyond the spread. But "commission-free" is not the same as "cost-free." The real trading cost sits inside the bid-ask spread, and there are three additional fees that most quick reviews skip over: overnight funding, currency conversion, and — depending on your region — a potential inactivity charge. This breakdown covers what you'll actually pay in 2026, with the worked examples Capital.com publishes itself.

The spread is the main cost

Capital.com operates a commission-free model on Standard accounts. Instead of charging a separate fee per trade, the cost is built into the difference between the buy and sell price — the spread. This is transparent in the sense that you see the full cost at the moment of execution, but it means "free" is misleading. You pay on every trade; it's just embedded.

The typical EUR/USD spread on a Standard account runs around 0.6 to 0.7 pips. In live pricing analysis, independent reviewers confirmed an average EUR/USD spread of 0.64 pips — competitive, but not the tightest in the market. Other representative spreads: Gold around 0.3 points, the S&P 500 index around 0.4 points, and Apple stock CFD around 0.1 points.

Here's how that translates to real money, using Capital.com's own example. Hold a position of 100,000 units of EUR/USD with a spread of 0.6 pips, and the total spread cost is $6 — you pay half (0.3 pips) when you open and half when you close. On a 10-contract Gold position with a 0.30-point spread, the total cost is $3. For a full standard lot at a 0.7-pip spread, expect roughly $14 round-trip before any other fees.

Standard vs. ECN/Raw accounts

Capital.com offers two main live account types. The Standard account is commission-free with slightly wider spreads — around 0.3 to 0.7 pips on EUR/USD depending on volatility. The ECN/Raw account offers much tighter spreads, around 0.1 pips on EUR/USD and GBP/USD, but charges a $2 commission per lot.

For high-volume traders, the ECN/Raw structure usually works out cheaper despite the commission, because the spread savings outweigh the per-lot fee. For occasional or smaller traders, the commission-free Standard account is simpler and often costs less overall. Capital.com does not offer Cent, Micro, swap-free, or managed accounts.

Overnight funding — the cost reviews skip

This is where Capital.com is less competitive than its commission-free marketing suggests. Any leveraged CFD position held past the daily market close incurs an overnight funding charge — standard practice across the industry, but Capital.com's rates are not particularly low.

The base overnight rate is 4% per year, applied daily. For USD, EUR, CHF and JPY-denominated instruments, that's 4% divided by 360 days, equalling roughly 0.01111% per day. For GBP, CAD and SGD-denominated instruments, it's 4% divided by 365 days, or about 0.01096% per day. Indices use benchmark rates — SOFR for USD-denominated, SONIA for GBP-denominated — plus a markup.

For day traders who close positions before the daily cutoff, overnight funding is irrelevant. For swing traders or anyone holding positions for days or weeks, it compounds and becomes a meaningful drag on returns. One exception worth noting: Capital.com's "1X" unleveraged share CFD carries no overnight funding cost for long positions, making it more practical for traders who want share exposure without the daily financing cost.

Currency conversion — 0.7% you might not notice

In certain regions, Capital.com charges a currency conversion fee when you trade an instrument denominated in a currency different from your account's base currency. The fee is a 0.7% markup on the spot exchange rate for retail clients, reduced to 0.5% for professional traders.

Here's the trap: it's easy to miss because it's applied as an "all-in" rate rather than a visible line-item charge. Capital.com's own example shows the mechanics — if you hold a USD-denominated account and close a profitable trade on France 40 (denominated in EUR), the profit gets converted back to USD at a rate 0.7% less favorable than the spot rate. On a €10 profit, that's a conversion charge of roughly €0.65 — small per trade, but it accumulates across many cross-currency positions.

The fix is straightforward: trade instruments denominated in your account's base currency where possible, or hold an account in the currency you trade most.

Inactivity fee — the contradictory one

Here's where the picture gets murky, and where we have to be honest about a data conflict. Some 2026 sources report a $10 monthly inactivity fee after a period of dormancy. Other recent sources — including ForexBrokers.com and BrokerChooser, both updated April 2026 — explicitly state that no inactivity fee applies, framing this as a point that differentiates Capital.com from competitors.

The most likely explanation is regional variation: Capital.com appears to have removed the inactivity fee in some regulatory jurisdictions while retaining it in others, or removed it recently enough that older documentation persists. The practical takeaway: check the fee schedule for your specific entity before assuming either way. Do not rely on a generic "Capital.com has no inactivity fee" claim — verify it against your account's terms.

Deposits, withdrawals, and account fees

This is the straightforward part. Capital.com charges no fee for account opening, no fee for deposits, and no fee for withdrawals, regardless of payment method. Closing your account is also free. The minimum withdrawal is $50 or currency equivalent. Note that while Capital.com itself does not charge, your bank or payment provider may apply their own third-party fees on wire transfers — that's outside the broker's control.

Our take on Capital.com's pricing

Capital.com's fee structure is genuinely competitive for active day traders who keep positions intraday and trade in their base currency. The 0.64-pip average EUR/USD spread, commission-free Standard accounts, and free deposits and withdrawals make it cost-effective for that profile.

It becomes less competitive for two groups. Swing traders and position holders pay the overnight funding cost, which is above some competitors. And traders who frequently take positions in non-base currencies lose 0.7% per conversion, which adds up. Neither is a dealbreaker — but neither is captured by the headline "commission-free" claim.

For a full evaluation of platform, regulation, and trading conditions, see our detailed Capital.com review for 2026.

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This analysis represents the editorial assessment of the BrokersRoom Research Desk based on publicly available data and Capital.com's published fee schedule. It is not investment advice within the meaning of § 85 WpHG or analogous legislation. CFD trading carries substantial risk — between 63% and 81.7% of retail investor accounts lose money trading CFDs with Capital.com. BrokersRoom may earn an affiliate commission if you open an account via a link on this page. This does not influence our assessment. Sources: Capital.com official pricing documentation, ForexBrokers.com, BrokerChooser, BestBrokers, Traders Union. Fee details vary by region and account type — verify against your account terms. As of 27 May 2026.