Capital.com vs Trade Republic: Which Broker Suits You?
Capital.com scores 3.0 and Trade Republic 3.4 out of 5 on our published methodology. Capital.com leads on Platform & Tools; Trade Republic 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 →Higher overall score
Trade Republic
3.4/5
Best for: Low-cost EU investing & savings plans
Read the full Trade Republic 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 | Trade Republic | |
|---|---|---|
| What you own | CFDs only | Real assets |
| Available assets | CFDs on shares, indices, forex and commodities | Stocks, ETFs, bonds and crypto, plus warrants and private-market funds |
| Regulated by | FCA, CySEC, ASIC and others | German bank licence, supervised by BaFin and the Bundesbank, with branches in several EU countries |
| Stands out for | An app that actively surfaces behavioural feedback on your trading | A flat €1 order fee, free savings plans and interest on uninvested cash |
| Watch out for | CFDs only, and a shorter track record than the older names | EU only, an app-first service whose support has struggled with rapid growth, and tax reporting that varies by country |
| Accepts clients in | The UK, the EU and other countries | The EU |
Is Capital.com cheaper than Trade Republic?
On our Costs & Fees score, Trade Republic 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 Trade Republic?
Capital.com is regulated by FCA, CySEC, ASIC and others; Trade Republic by German bank licence, supervised by BaFin and the Bundesbank, with branches in several EU countries. Trade Republic 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 Trade Republic 5/5. Trade Republic is the gentler place to start. 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
Trade Republic
- Tends to suit
- Low-cost EU investing & savings plans
- Stands out for
- A flat €1 order fee, free savings plans and interest on uninvested cash
- Watch out for
- EU only, an app-first service whose support has struggled with rapid growth, and tax reporting that varies by country
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.