Capital.com vs DEGIRO: Which Broker Suits You?
Capital.com scores 3.0 and DEGIRO 3.4 out of 5 on our published methodology. Capital.com leads on Platform & Tools; DEGIRO leads on Costs & Fees, Regulation & Trust and Asset Range, and they tie on Account Access & Support. Both accept clients in the EU.
Overall score
Capital.com
3.0/5
Best for: CFD trading with AI-driven insights
Read the full Capital.com review →Score by score
Each category is scored 1–5 using our published methodology. The overall score is the plain average of the first five; ease of use is shown separately.
Key facts side by side
| Capital.com | DEGIRO | |
|---|---|---|
| What you own | CFDs only | Real assets |
| Available assets | CFDs on shares, indices, forex and commodities | Stocks, ETFs, bonds and funds across many European and global exchanges |
| Regulated by | FCA, CySEC, ASIC and others | BaFin (flatexDEGIRO Bank SE), with DNB and AFM overseeing the Dutch branch |
| Stands out for | An app that actively surfaces behavioural feedback on your trading | Among the lowest per-trade costs available in Europe |
| Watch out for | CFDs only, and a shorter track record than the older names | Basic platform, no forex, and not open to US residents |
| Accepts clients in | The UK, the EU and other countries | The EU |
Is Capital.com cheaper than DEGIRO?
On our Costs & Fees score, DEGIRO rates 4/5 against Capital.com’s 3/5, so it is generally the cheaper of the two for the costs we assess: commissions, spreads, currency conversion and account fees. Fees differ by country and account type and change often, so check both brokers’ current price lists before you choose.
Which is safer, Capital.com or DEGIRO?
Capital.com is regulated by FCA, CySEC, ASIC and others; DEGIRO by BaFin (flatexDEGIRO Bank SE), with DNB and AFM overseeing the Dutch branch. DEGIRO scores higher on our Regulation & Trust measure (4/5 against 3/5). Which company holds your account, and which investor compensation scheme covers it, depends on where you live. Compensation schemes cover a broker failing, never investment losses.
Which is better for beginners?
On ease of use for a beginner, which sits outside the overall score, Capital.com scores 3/5 and DEGIRO 3/5. Neither has a clear edge for a first account. Beginners should know that CFDs are leveraged derivatives rather than ownership, and that most retail accounts trading them lose money.
Who each one tends to suit
Capital.com
- Tends to suit
- CFD trading with AI-driven insights
- Stands out for
- An app that actively surfaces behavioural feedback on your trading
- Watch out for
- CFDs only, and a shorter track record than the older names
DEGIRO
- Tends to suit
- Low-cost European investing
- Stands out for
- Among the lowest per-trade costs available in Europe
- Watch out for
- Basic platform, no forex, and not open to US residents
More head-to-heads
Scores and facts come from our own reviews as of September 2026 and follow one published methodology. Plain Investor has no commercial relationship with either broker. This is general education, not personal financial advice. Fees, features and regulation change, so confirm current terms with each broker before opening an account.