Capital.com vs Libertex — 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

• Transparent commission model — EUR 5 per side per lot on the Libertex platform instead of a hidden spread markup
• EUR 10 minimum deposit is one of the lowest entry points among CySEC-regulated brokers
• Libertex Invest, launched 2024, offers real exchange-traded shares commission-free with no inactivity fee
• 1,573 tradeable symbols including 1,313 share CFDs, 109 crypto CFDs, 46 FX pairs and 23 ETFs
• Group track record since 1997 under the Forex Club name — one of the longer histories in retail FX
• Full MetaTrader 4 and MetaTrader 5 support alongside the proprietary platform
• Volume-based commission discounts of 10%, 30% and 50% at EUR 1,500, 10,000 and 50,000 deposited
• Trading Central signals are integrated directly into the platform at no extra charge

Cons

• 2.5% fee on credit and debit card deposits (and 4% on Neteller) — paying to fund an account is a serious mark against a regulated broker
• Withdrawal fees on most methods: EUR 1 by card, 0.5% (min EUR 2, max EUR 10) by bank transfer, 1% via Neteller
• CySEC partially suspended the licence of operator Indication Investments in August 2021 over CFD marketing compliance; lifted after three weeks, but it is on the record
• All-in EUR/USD cost of roughly 1.3 pips is mid-table, so the commission model buys transparency rather than savings
• Mobile app is materially weaker than the web platform, lacking technical indicators and drawing tools
• Education is minimal with no structured curriculum or progress tracking, and no native copy trading through the EU-regulated entity