Capital.com Fees Explained (2026): Spreads, Overnight & Conversion

Most traders comparing brokers ask the wrong question. They want to know whether a platform "charges commission" — and stop there. Capital.com does not charge commission, which makes the headline look clean. But the real cost of trading any CFD broker sits in three places that rarely appear on the landing page: the spread you pay on every trade, the overnight financing applied to leveraged positions, and a currency conversion markup that quietly taxes profits earned in a currency other than your account's base.

This is the complete cost picture for Capital.com in 2026 — what you pay, when you pay it, and where the costs hide. Every figure here is drawn from Capital.com's own fee documentation and its regulators, not from marketing copy.

Does Capital.com charge commission?

No. Capital.com does not charge a commission on trades. Its business model is commission-free across forex, indices, commodities, shares and crypto CFDs, and the broker also absorbs deposit and withdrawal costs. The company earns primarily from the spread — the gap between the buy and sell price — plus overnight financing on leveraged positions held past the daily cut-off.

That model is genuinely competitive, but "commission-free" is not the same as "fee-free." The spread is a cost; it is simply built into the price rather than itemised on a statement. Understanding it is the difference between a trader who knows their cost base and one who is surprised by it.

Capital.com spreads: the cost you pay on every trade

The spread is your largest recurring cost. On Capital.com, EUR/USD spreads start from around 0.6 pips, which is tight for a commission-free broker. You pay half the spread when you open a position and half when you close it.

A worked example using Capital.com's own methodology: hold 100,000 units of EUR/USD quoted at 1.05000 / 1.05006. The spread is 0.6 pips (0.00006). Total spread cost = 100,000 × 0.00006 = $6, or the equivalent in your account currency. The principle scales with position size, so larger volumes mean proportionally larger spread costs.

Two honest caveats. First, spreads are variable, not fixed — they widen during volatility and around major news, and quoted "from" figures are best-case. Second, spreads can widen further when trading outside regular exchange hours, where liquidity thins. Anyone quoting you a single fixed number is selling, not informing.

Capital.com overnight charges, financing and rollover fees

This is where most cost surprises live. When you hold a leveraged CFD position past the daily cut-off, Capital.com applies an overnight funding adjustment — sometimes called a swap, financing, rollover or holding fee. They are the same thing under different names.

The mechanics matter:

The charge is calculated on the full notional value of your position, not the smaller margin you put up to open it. A position controlling $10,000 of exposure is financed on $10,000.
The rate is a benchmark interest rate plus Capital.com's administration fee. The benchmark tracks the position's currency — SOFR for USD-denominated markets, SONIA for GBP.
Capital.com's daily admin fee is 0.01096%, which the broker expresses as roughly 4% per year, divided by 360 or 365 days depending on currency convention.

A concrete illustration from Capital.com's documentation: a long position on a Tesla CFD where SOFR sits near 4.66% annually (about 0.01278% daily) plus the 0.01096% admin fee produces a combined overnight cost of roughly 0.0237% of exposure per night — about $2.31 a night on $9,750 of exposure, or roughly $64.68 over 28 days.

The important update for 2026: Capital.com no longer charges overnight funding on non-leveraged (1:1) share and crypto CFD positions. If you set leverage to 1:1 on shares or cryptocurrencies, the overnight fee disappears — a meaningful saving for anyone holding longer-term positions. Be aware there are still specific instruments where swap applies regardless of leverage, so check the individual market before assuming it is free.

The practical lesson: overnight financing makes Capital.com cheap for day trading and progressively more expensive the longer you hold a leveraged position. Match the cost structure to your strategy.

The Capital.com currency conversion fee (and the "conversion fee on profits")

This is the cost that drives the most searches — and the most confusion. Capital.com applies a 0.7% currency conversion markup on the spot exchange rate whenever you trade an instrument, deposit, or realise a profit in a currency that differs from your account's base currency.

To answer the questions directly:

When does the conversion fee apply? Whenever there is a currency mismatch — trading a USD-denominated market from a EUR account, depositing in a non-base currency, or closing a profitable position settled in a foreign currency.
Is there a conversion fee on profits? Effectively yes. If you trade, say, a US stock CFD from a euro account and close in profit, the conversion back to euros is subject to the 0.7% markup. It is applied to the conversion, not levied as a separate "profit tax," but the net effect is that foreign-currency gains arrive 0.7% lighter.
What is the rate versus the market rate? Capital.com converts at the spot rate plus the 0.7% markup. The all-in exchange rate used is shown in the Reports section and when you close a position, so you can verify it rather than guess.

For active traders dealing predominantly in one foreign currency, this markup compounds. The clean fix is to hold your account in the base currency you trade most, eliminating repeated conversions. It is the single most overlooked cost-control decision on the platform.

Capital.com inactivity fee, monthly fee and platform fee

Good news on the non-trading side. Capital.com does not charge:

an inactivity fee
a monthly or account-maintenance fee
a platform fee
deposit fees
withdrawal fees

For a CFD broker, that is a clean non-trading fee structure, and it is one of Capital.com's genuine strengths. The costs that matter are all trading costs — spread, overnight financing and conversion — not standing charges. That said, fee schedules change and can vary slightly by region and entity, so confirm against the current fees page for your jurisdiction before funding.

What about the guaranteed stop-loss (GSLO) fee?

Capital.com offers guaranteed stop-loss orders, which cap your loss at an exact level even if the market gaps through it. The GSLO premium is only charged if the guaranteed stop is actually triggered. Place one and never have it activated, and it costs nothing. This is a fair structure — you pay for the insurance only when it pays out.

Does Capital.com have MT4?

Yes — Capital.com supports MetaTrader 4 (MT4) alongside its award-winning proprietary web and mobile platform and TradingView charting integration. If MT4 is central to your workflow, confirm availability for your specific regional entity and test it on a demo account first, since platform availability can differ by jurisdiction.

Is Capital.com safe? Fund safety and regulation reviewed

Fee clarity is meaningless if your capital is not protected, so this matters as much as cost. Capital.com is a multi-regulated broker, with the key point being which entity holds your account — that determines your exact protections.

United Kingdom: Capital Com (UK) Limited is authorised and regulated by the Financial Conduct Authority (FCA, firm reference 793714). UK clients fall under FSCS protection of up to £85,000 per eligible claim if the firm fails.
European Union: clients are onboarded under CySEC (Cyprus), with Investor Compensation Fund (ICF) cover up to €20,000.
Australia (ASIC), the Bahamas (SCB) and the UAE (SCA) supervise other entities.

Across all entities, Capital.com applies two protections that genuinely matter: segregated client funds held at top-tier banks, ring-fenced from the company's own money so they cannot be touched by creditors in an insolvency; and negative balance protection, meaning retail clients cannot lose more than their account balance.

The honest nuance: compensation schemes (FSCS, ICF) apply only to the FCA and CySEC entities. Clients onboarded under an offshore entity still get segregation and negative balance protection, but no statutory compensation fund. Before depositing, verify your entity on the regulator's public register and run a small withdrawal test early — it is the most reliable proof that a broker returns money on demand.

How Capital.com fees compare

For commission-free CFD trading, Capital.com sits at the low end of the cost spectrum. Tight spreads from 0.6 pips on EUR/USD, no commission, no non-trading fees, and removed overnight funding on 1:1 share and crypto positions make it cost-efficient for active and medium-term traders alike. The two costs to watch are overnight financing on leveraged holds and the 0.7% conversion markup on foreign-currency activity — both manageable with the right account currency and strategy.

If you want to test these costs in practice before risking capital, open a demo account and compare the effective spread on the same instrument across different sessions. See our guides on the best CFD demo accounts and CFD leverage explained for how to do this properly, and our best CFD brokers 2026 comparison to see where Capital.com ranks against rivals. For the full verdict on the broker itself, read our Capital.com review.

Capital.com fees: quick FAQ

Does Capital.com charge a monthly fee?

No. Capital.com charges no monthly fee, account-maintenance fee or platform fee.

Does Capital.com charge an inactivity fee?

No. There is no inactivity fee on Capital.com accounts.

What is the Capital.com currency conversion fee?

A 0.7% markup on the spot exchange rate, applied when you trade, deposit or settle in a currency other than your account's base currency.

Does Capital.com charge a conversion fee on profits?

Effectively yes — profits realised in a foreign currency are converted at spot plus the 0.7% markup, so foreign-currency gains arrive 0.7% lighter.

Are there withdrawal fees on Capital.com?

No. Capital.com covers withdrawal and deposit costs; there are no broker-side fees on either.

What are Capital.com's overnight (rollover/holding) fees?

A benchmark rate (SOFR/SONIA) plus a 0.01096% daily admin fee, charged on the full notional value of leveraged positions. Non-leveraged 1:1 share and crypto positions incur no overnight fee.

Does Capital.com offer MT4?

Yes, MT4 is supported alongside the proprietary platform and TradingView, subject to regional availability.

Is my money safe with Capital.com?

Funds are held in segregated accounts at top-tier banks with negative balance protection across all entities. FCA clients have FSCS cover up to £85,000; EU/CySEC clients up to €20,000 via the ICF.

Ready to test the real costs yourself?

The only way to know your true cost base is to see the spreads, conversion rate and overnight figures on your own instruments. Read our full Capital.com review, then run the checks above on a demo before committing capital.

Risk warning: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Across Capital.com's entities, a large majority of retail investor accounts — typically reported in the region of three-quarters — 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 article is editorial information, not financial advice. Fees and protections vary by region and entity; always confirm current figures on Capital.com's official fees page for your jurisdiction.