Yes, Capital.com is a legitimate, regulated broker. Capital.com is supervised by the FCA in the UK, CySEC in Cyprus, and ASIC in Australia — three Tier-1 regulatory authorities with strict investor protection requirements. Client funds are held in segregated accounts separate from company assets, there's negative balance protection, and the company is audited by Deloitte. However, there are two points you should know before opening an account — and we'll examine those honestly here.

What "Legitimate" Actually Means for a Broker

The question "Is this broker legitimate?" breaks down into three measurable sub-questions: Is the company regulated and by whom? Are my deposits protected if the broker becomes insolvent? And: Are there patterns in complaints that indicate structural problems? Vague impressions like "seems trustworthy" don't help. What matters is the regulated legal entity behind your account and the specific level of protection.

For Capital.com, the short answer to all three questions is: solidly regulated, protected, with some service complaints but no structural red flags.

Regulation in Detail

Capital.com operates through multiple legal entities, each licensed by different authorities. For traders from Europe, two of these are relevant.

The European entity, Capital Com SV Investments Limited, is regulated by CySEC under license number 319/17. CySEC is the Cypriot financial regulator and is considered a Tier-1 regulator within the EU. This means Capital.com must meet strict conduct and capital requirements that are harmonized across the EU. The British entity is supervised by the FCA (License 793714) — the Financial Conduct Authority is considered one of the strictest financial regulators worldwide.

Additionally, there's ASIC in Australia (License 513393), also Tier-1, plus two weaker licenses: the SCB in the Bahamas and the SCA in the United Arab Emirates. We'll come back to the second point shortly.

Capital.com was founded in 2016, is headquartered in Limassol, Cyprus, and reported customer trading volume of over $1.7 trillion in 2024 with more than six million registered users. The company is audited by Deloitte and works with European banks like Raiffeisen. This is not a shell company, but an established provider with a traceable corporate structure.

How Your Deposits Are Protected

Three protection mechanisms apply at Capital.com, provided you trade through the EU or UK entity.

First, client funds are held in segregated accounts — separate from the company's operating capital. Should Capital.com become insolvent, your money is not part of the bankruptcy estate.

Second, under CySEC regulation, the Investor Compensation Fund protects deposits up to €20,000 per customer if the broker fails to meet its obligations. British customers are protected up to £85,000 through the FSCS.

Third, there's negative balance protection: You can never lose more than your deposited capital. In volatile markets, traders at some providers could historically slip into negative territory and owe money to the broker — at Capital.com, this is excluded.

The Bahamas Factor — Honestly Assessed

Here's the first point you should know. In addition to the Tier-1 licenses, Capital.com also holds a license from the Securities Commission of The Bahamas (SCB). This license offers significantly weaker investor protection than FCA, CySEC, or ASIC — no comparable compensation fund, looser oversight.

For you as a trader from Europe, this is irrelevant in practice because you're automatically served through the EU-regulated entity (CySEC) and thus fall under full European protection. The Bahamas factor only becomes relevant for customers outside regulated core markets. When you sign up, you should still check which entity your account is opened under — this is stated in the contract documents.

What Real Users Report

Capital.com has over 14,000 reviews on Trustpilot. About ten percent of these are one-star reviews — a figure that's within industry norms but shouldn't be ignored. The recurring complaints focus on three areas: delayed withdrawals, slow support response times, and occasional app issues.

Specifically, some users report withdrawals that remained "pending" for several days to two weeks, often combined with additional verification requests. In one documented case, a user waited three weeks for a withdrawal. This is countered by numerous positive reports — such as a trader who received €6,100 including profit within five minutes without additional inquiries. Notably, Capital.com responds to negative reviews and resolves reported issues through account managers in many cases.

The pattern: The majority of withdrawals run smoothly, but strict KYC verification processes can cause delays in individual cases. This is not a fraud signal, but typical for heavily regulated brokers that must comply with anti-money laundering regulations.

The Loss Rate — The Second Honest Point

Capital.com itself states that between 63 and 81.7 percent of retail investor accounts lose money when trading CFDs. The upper end of this range is above the industry average of about 74 to 76 percent.

Important context: This number doesn't mean Capital.com is illegitimate. It describes the general risk of leveraged CFD trading — at any provider, the majority of retail investors lose money. However, it's a figure you should realistically factor in before deploying real capital. CFDs are high-risk products, not a savings account.

Are There Red Flags?

After reviewing the regulation, corporate structure, and user reports: no, no structural red flags. Capital.com has a clean regulatory history, no known supervisory penalties from core regulators, and complaints concern service quality, not breach of trust. The company won the "Best CFD Broker" award from BrokerChooser in 2026, among others.

A legitimate broker with illegitimate practices wouldn't get audited by Deloitte, hold Tier-1 licenses, or publicly respond to complaints. Capital.com does all of this.

Conclusion: For Whom Is Capital.com Safe?

Capital.com is a legitimate, well-regulated broker that represents a safe choice for most traders. You trade through the CySEC-regulated EU entity, your deposits are protected up to €20,000, and the company is transparent in its structure.

Two things to keep in mind: Check which legal entity your account runs under when signing up, and factor in the real CFD loss risk. Anyone who does this trades at Capital.com under the same protection mechanisms as at any other legitimate EU broker.

For a complete assessment of fees, platform, and trading conditions, see our detailed Capital.com Review 2026.

This analysis represents an editorial assessment by the BrokersRoom Research Desk and is not individual investment advice. Trading CFDs involves significant risk of loss — between 63 and 81.7 percent of retail investor accounts lose money at Capital.com. BrokersRoom may receive an affiliate commission if you open an account through a link on this page. This does not affect our rating or assessment. Data sources: FCA Register, CySEC Register, ASIC Register, Trustpilot, BrokerChooser, FXEmpire, Capital.com contract documents. As of: May 27, 2026.

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Is Capital.com Legitimate? The 2026 Safety Check

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Is Capital.com Legitimate? The 2026 Safety Check