Capital.com vs eToro — which broker is better?

Pros

• No commission on any CFD and no inactivity fee whatsoever — unusual in the CySEC/FCA CFD segment
• EUR/USD averages roughly 0.7 pips all-in, with spreads advertised from 0.6 pips
• Free deposits and free withdrawals, with a USD 20 minimum via card, Apple Pay or PayPal
• Roughly 5,585 tradeable symbols including 125 FX pairs and about 450 crypto CFDs
• Top-tier regulation through the FCA (793714) and ASIC (513393) alongside CySEC (319/17)
• Mobile app is genuinely at feature parity with the web platform, not a cut-down version
• Choice of proprietary platform, MT4, MT5 and native TradingView integration
• Investmate education and the built-in trading-bias detector are substantive, not marketing filler

Cons

• 0.7% currency conversion markup on every trade settled outside your base currency — the single largest hidden cost here
• Overnight funding adds roughly 4.05% per year over the benchmark rate, which makes multi-week leveraged holds expensive
• No exchange-traded options, futures, bonds or mutual funds — the product set is essentially CFDs only
• Real share dealing (Capital.com Invest) covers only about 1,000 stocks and is limited to selected European countries
• Not publicly listed and founded only in 2016, so there is less financial transparency than at an exchange-listed broker
• Crypto CFDs are unavailable to UK retail clients, and the broker does not accept clients in the US, Canada, Japan, Belgium or Hong Kong

Pros

• CopyTrader is one of the most mature copy-trading products in Europe: no separate fee on top of normal trading costs, a USD 200 minimum per copied trader, and up to 100 traders copied at once.
• Nasdaq-listed since May 2025 under ETOR, which forces quarterly audited disclosure that most retail brokers never publish.
• Licensed by the FCA (583263), CySEC (109/10), ASIC (491139), MAS (CMS101824) and the SEC (8-70212) - a genuinely multi-jurisdictional stack rather than a single offshore licence.
• 300+ ETFs with zero eToro commission and fractional investing from USD 10, so small monthly contributions are not swallowed by minimum ticket sizes.
• The inactivity fee was removed in 2026; dormant accounts now cost nothing to hold.
• 150+ cryptoassets held as real coins on the investing account rather than only as CFDs, with coins transferable out to the eToro Money wallet for a 2% fee.
• The demo account carries all 11,000+ instruments and every platform feature, which makes it a usable rehearsal rather than a stripped-down toy.

Cons

• Currency conversion costs 0.75% each way between a European local-currency account and USD, before Club discounts whose size eToro's own pages state differently - for a broker whose core product is USD-denominated, that is the one number you most need.
• Stock orders cost USD 1-2 in most countries. On a EUR 200 monthly savings order that is a 0.5-1.0% drag before any conversion cost, which is expensive against Trading 212 or XTB at zero.
• Crypto costs 1.00% per position for Bronze, Silver and Gold members - charged on the way in and again on the way out. Only Platinum and above see meaningful discounts.
• No exchange-traded options or futures outside the US entity, no individual bonds and no mutual funds. The range is wide across asset classes but shallow within them.
• Withdrawals from a USD account cost USD 5 with a USD 30 minimum; only local-currency accounts (EUR, GBP, DKK) escape the charge.
• Support is chat and ticket only, with no general retail phone line, and priority routing is tied to Club tier - so the smallest accounts get the slowest service.