Comparison of Capital.com vs Trading212 [ 2024 ]

The best brokers to invest in cryptocurrencies compared by their commissions, cryptos, security and much more. Here is theCapital.com vs Trading212 comparison!

Your expert: Alejandro Borja

Capital.com

Your expert: Xavier Tarrasó

Trading212

Main points

Fees

Low 3,9/5

Regulated

CySEC, FCA

Demo account

Yes

Low 4/5

Fees

FCA, CySEC

Regulated

Yes

Demo account

Recommended for

Beginners

Yes

Trading

Yes

Passive income

Buy and hold

Yes

Beginners

Yes

Trading

Passive income

Buy and hold

Comparison of fees

Rating

4.5 – Capital.com provides excellent value with zero commissions and very tight spreads on a wide range of cryptocurrencies. The overnight financing fees are the only additional cost .

4.3 – Trading212 provides commission-free trading and a user-friendly platform. However, the 0.3% to 0.5% fee on currency conversion orders and inactivity fee are potential downsides .

Level

Low 3,9/5

Low 4/5

Brief explanation

Capital.com offers a competitive fee structure that makes it an attractive choice for cryptocurrency traders. The platform charges 0% commissions on trades, meaning there are no upfront costs for executing trades. However, traders should be aware of the overnight financing fees (swap rates) applied to positions held overnight. These fees vary depending on the cryptocurrency and whether the position is long or short. For example, long positions incur a fee of 0.06164% of the exposure plus the daily interest fee, while short positions receive 0.0137% of the exposure minus the daily interest fee. Additionally, while deposits and withdrawals are generally free, an inactivity fee applies after one year for clients contracting with Cyprus (CCSV) or Bahamas (SCB). Overall, Capital.com’s fee structure is transparent and competitive, but it’s important for traders to account for potential overnight fees.

Trading212 employs a straightforward fee structure with no commissions on most trading activities, particularly for CFD accounts. Users benefit from free deposits and withdrawals, making the platform financially accessible. However, there are fees associated with specific services. For instance, a 0.7% fee is charged on deposits exceeding €2,000 when using credit/debit cards or electronic wallets. Currency conversion carries a fee of 0.15% for Invest accounts and 0.5% for CFD accounts. Additionally, inactive accounts are charged £9, €9, or $9 after six months of inactivity .

Capital.com

Year Founded: Capital.com was established in 2016. Despite being relatively new, the platform has quickly built a reputation for reliability and innovation in the trading industry.
Number of Users: Capital.com serves a large and growing user base, with over 1 million registered users globally. This extensive user adoption reflects the platform's credibility and popularity among traders.
Security Methods: Capital.com employs state-of-the-art security measures to protect user data and funds. This includes SSL encryption, two-factor authentication (2FA), and secure data storage practices. Additionally, the platform uses AI algorithms to detect and prevent fraudulent activities.
Regulation: The platform is regulated by several top-tier financial authorities, including the Financial Conduct Authority (FCA) in the UK, the Australian Securities and Investments Commission (ASIC), the Cyprus Securities and Exchange Commission (CySEC), and the Securities Commission of the Bahamas (SCB). This multi-jurisdictional regulation ensures that Capital.com adheres to strict financial and operational standards.
Transparency: Capital.com is committed to transparency, providing clear information about fees, trading conditions, and the risks involved in CFD trading. The platform's educational resources, such as the Investmate app, further support transparency by helping users understand the trading process and make informed decisions.

Trading212

Year Founded: Trading212 was established with a solid foundation in the trading industry and has steadily grown its reputation over the years, ensuring a reliable and trustworthy platform for its users.
Number of Users: With millions of users worldwide, Trading212 has built a large and active community, reflecting its credibility and user satisfaction.
Regulation: Trading212 is regulated by the UK's Financial Conduct Authority (FCA) and the Cyprus Securities and Exchange Commission (CySEC), providing a strong layer of security and adherence to strict financial standards.
Customer Service: The platform offers comprehensive customer support, including a helpful community forum and various contact methods, ensuring that users can get assistance when needed.
Withdrawal and Deposit Policies: Trading212 supports a wide range of payment methods for deposits and withdrawals, including credit/debit cards, bank transfers, and e-wallets, making transactions easy and accessible for users.

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Account Minimum

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Direct link to the website

Product selection

Native token

Capital.com does not have a native token.

Trading212 does not have a native token.

Earns

Capital.com does not offer staking or earning options with cryptocurrencies. It focuses on trading crypto CFDs with leverage .

Trading212 does not offer staking or other earning options for cryptocurrencies. It provides trading through crypto CFDs .

NFT marketplace

Capital.com does not have an NFT marketplace.

Trading212 does not have an NFT marketplace.

Cripto/debit card

Capital.com does not have a card for its clients .

Trading212 does not offer a card for its clients .

Payment methods

Transfers

Yes, Capital.com accepts bank transfers for both deposits and withdrawals .

Yes, Trading 212 accepts bank transfers for both deposits and withdrawals .

Mastercard

Yes, Capital.com accepts Mastercard for deposits.

Yes, Trading212 accepts Mastercard for deposits.

Wire transfer

Wise is not mentioned as a supported payment method .

Yes, Wise is supported as a payment method .

Card

Yes, Capital.com accepts credit/debit cards (Visa, Mastercard) .

Yes, Trading 212 accepts credit/debit cards .

Comparative table

Capital.com	Features	Trading212
The minimum trade amount is very low at $1, making it accessible for all types of traders.	Minimum Trade	The platform allows users to start trading with as little as £1, making it highly accessible for beginners.
Capital.com offers 0% commissions on trades, but high swap rates for overnight positions.	Trading and Transaction Fees	Trading212 offers competitive fees with no commissions on real stock trades, but CFD trading involves spreads.
With 377 cryptocurrencies and 490+ crypto pairs available, the selection is extensive.	Number of Cryptocurrencies	Trading212 supports a limited selection of cryptocurrencies, which might not satisfy traders looking for a wide variety of digital assets.
The platform offers numerous crypto-only pairs, allowing for extensive trading opportunities.	Crypto-to-Crypto Trading Pairs	The platform does not offer direct crypto-to-crypto trading pairs, limiting the trading options available.
Information on fees, regulations, and trading conditions is clear, but some details on spreads and swaps could be more transparent.	Website Transparency	Trading212 provides clear and comprehensive information about its fees, services, and regulatory status, ensuring transparency for users.
Capital.com does not have a card for its clients .	Credit/Debit Card	Trading212 does not offer a card for its clients .
Capital.com only offers CFD trading, meaning users cannot store actual cryptocurrencies.	Storage Offering	Trading212 does not provide dedicated cryptocurrency storage solutions, as it primarily deals with CFDs rather than actual cryptocurrency ownership.
The platform does not support staking or rewards for holding cryptocurrencies.	Staking and Rewards	There are no staking or rewards programs available on Trading212, limiting passive income opportunities for users.
Both the mobile app and desktop platform are highly intuitive and user-friendly, providing seamless trading experiences.	Mobile App and Desktop	Trading212 offers robust mobile and desktop applications with a user-friendly interface and advanced trading tools.
Customer service is available 24/7, but live chat support can be unreliable.	Customer Service	The platform offers good customer support through various channels, though there is room for improvement in response times.
Deposits and withdrawals are free and processed quickly, but the range of available currencies is limited.	Deposit and Withdraw	Deposits and withdrawals are straightforward and support multiple payment methods, though crypto withdrawals are not available.

Key features

Analysis tools

Capital.com features the Investmate app for educational purposes, offers advanced charting tools, technical indicators, and a demo mode for practice trading. Their platform supports extensive market analysis and educational resources .

Trading 212 offers a web-based platform and mobile apps with many features, including technical indicators and charting tools. They also provide educational resources and a demo account for practice trading .

Mobile APP

Yes, Capital.com offers mobile apps for iOS and Android, providing a smooth and intuitive trading experience on both platforms .

Yes, Trading 212 provides mobile apps for both Android and iOS devices, featuring many of the functionalities found on their web-based platform .

Security

Capital.com is authorized and regulated by several top-tier regulators, including the FCA and CySEC. They offer negative balance protection, ensuring investors are protected from losing more than their account balance. However, they do not have a banking license.

Trading 212 is regulated by the FCA and CySEC, ensuring a high level of security. However, they do not provide basic security features like two-factor authentication, which could be a concern for some investors.

Additional features

Capital.com offers CFD trading on a wide range of cryptocurrencies with competitive spreads and zero commissions. They support 377 cryptocurrencies for trading and provide a user-friendly interface, both on desktop and mobile. Capital.com also includes advanced educational tools such as courses, blogs, and tutorials, and they offer negative balance protection. Their trading platform allows trading 24/7 with a low minimum deposit requirement of $20 for card payments .

Trading212 allows trading of cryptocurrency CFDs with benefits like leverage and short selling. They offer a user-friendly platform with a demo account for practice. Trading212 supports a wide range of payment methods and provides low fees for trading CFDs on stocks, indices, commodities, and forex in addition to cryptocurrencies .

Anonymity

Capital.com does not support anonymous accounts. Users must provide personal information, trading experience, and verification documents like an ID or passport and proof of address.

Trading212 does not support anonymous accounts. The registration process includes providing personal details and identity verification.

Key points

Available cryptocurrencies

Capital.com offers trading in cryptocurrency CFDs. Users can trade a wide range of cryptocurrencies including Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Ripple (XRP), and many others, totaling 377 cryptocurrencies.

Trading212 supports trading in cryptocurrency CFDs. The available cryptocurrencies include Bitcoin (BTC), Ethereum (ETH), and other popular cryptocurrencies .

User-friendliness

Capital.com excels in providing an intuitive and seamless trading experience for cryptocurrencies. The platform’s user-friendly design, combined with robust educational resources, makes it accessible to both novice and experienced traders. Capital.com supports a wide range of cryptocurrencies and offers competitive spreads, ensuring that users have a cost-effective and efficient trading experience .

Trading212 offers a user-friendly and fast platform for trading crypto CFDs. The account setup process is quick, and the platform supports multiple payment methods. While the range of cryptocurrencies available for trading is limited, Trading212’s intuitive design and ease of use make it a good option for beginners.

Value for money

Capital.com stands out with 0% commission on trades and very tight spreads. The broker’s comprehensive educational resources and user-friendly platform add to its value, though inactivity fees apply after one year for some clients.

Trading212 provides excellent value with commission-free trading and a user-friendly platform. However, its fee for credit/debit card deposits and a small commission on stock trades might be a downside for some users.

Countries of operation

United Kingdom, European Union, Australia, Bahamas .

United Kingdom, European Union, available in most countries that allow crypto trading .

Best for

Capital.com is ideal for investors looking to trade a wide variety of cryptocurrencies with competitive spreads and zero commissions. Its user-friendly platform and extensive educational resources make it a good choice for beginners and those interested in CFD trading.

Trading212 is best for beginner and intermediate traders looking for a user-friendly platform with commission-free trading of crypto CFDs. It’s suitable for those who want to start trading quickly and benefit from a wide range of other financial instruments.

Account

Trading

Capital.com provides extensive crypto CFD trading options, with over 370 cryptocurrencies available. The platform is user-friendly and offers low spreads, making it suitable for both beginners and experienced traders.

Trading212 supports crypto CFD trading with leverage, offering a straightforward and easy-to-use platform. It is ideal for beginners who want to start trading cryptocurrencies without owning them.

Deposit and withdrawal

Capital.com provides a seamless deposit and withdrawal experience with no fees. Supported methods include bank transfers, credit/debit cards, and e-wallets like PayPal and Apple Pay. Transactions are typically processed quickly.

Trading212 offers free deposits and withdrawals through a variety of methods, including bank transfers, credit/debit cards, and e-wallets. The process is typically fast and efficient.

Account opening process

Capital.com offers a seamless account opening experience. The process is fully digital and involves filling out personal information, financial status, and trading experience. Users must also submit verification documents. Accounts are typically approved within one business day.

Trading212 offers a simple and fast account opening process. Users fill out an online form, provide personal and financial information, and submit verification documents. The process is fully digital and accounts are typically approved within one business day.

KYC required?

KYC is mandatory at Capital.com. Users must complete identity verification by submitting personal identification documents and proof of residence.

KYC is mandatory at Trading212. Users must submit identification documents and proof of address during the account opening process.

Customer Service

Capital.com offers exceptional customer service with 24/7 support via live chat, phone, and email. The support team is highly responsive and provides detailed answers, ensuring users get the help they need promptly.

Trading212 offers customer support through live chat, email, and phone. The support is available 24/7 and is known for being responsive and helpful, providing users with timely and effective assistance.

Security

Which of these exchanges is for you?

Alejandro Borja

As an expert on our website, I highly recommend Capital.com for those interested in cryptocurrency trading, especially if you’re looking for a platform with a wide range of crypto options and excellent user experience. The platform’s extensive selection of 377 cryptocurrencies and 490+ crypto pairs provides ample trading opportunities, while its intuitive interfaces and robust security measures make it a reliable choice for both beginners and seasoned traders. Despite the limitation of offering only CFD trading, the low fees and fast transactions make it an appealing option for anyone looking to engage in crypto trading.

Xavier Tarrasó

As an expert at our website, I recommend Trading212 for beginners and casual traders who are looking to explore the world of cryptocurrency trading in a secure and user-friendly environment. The platform’s ease of use, competitive fees, and strong regulatory oversight make it a reliable choice. However, if you’re an advanced trader seeking a wide variety of cryptocurrencies or specialized features like staking, you might find the platform somewhat limited. Nonetheless, Trading212 is an excellent starting point for anyone new to crypto trading.

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How do we review crypto exchanges?

At Threenvest, we conduct a thorough review process to evaluate and rank the world’s leading crypto exchanges. Our goal is to offer an unbiased assessment, providing you with the information you need to make informed decisions on which ones best suit your needs. We strictly adhere to the guidelines of our editorial policy.

We collect data directly from exchanges through detailed questionnaires and conduct first-hand testing and observations during crypto exchange demonstrations. Questionnaire responses, combined with demonstrations and hands-on research from our experts, feed into our proprietary evaluation process that scores each provider’s performance on more than 15 factors. The end result produces star ratings ranging from poor (one star) to excellent (five stars).

For more details on the categories considered when rating brokers and our process, read our full methodology.

Risk Disclaimer

Investing in cryptocurrencies is very risky, you should only invest the money you are willing to lose. Also you should not expect to be protected if something goes wrong.

Neither Threenvest, nor the author, are recommending you to invest with this article.

Comparison of Capital.com vs Trading212 [ 2024 ]

Capital.com

Trading212

Main points

Recommended for

Comparison of fees

Rating

Level

Brief explanation

Capital.com

Trading212

Product selection

Native token

Earns

NFT marketplace

Cripto/debit card

Company information

Full name

Regulation

Year founded

Founder

Payment methods

Transfers

Mastercard

Wire transfer

Card

Comparative table

Key features

Analysis tools

Mobile APP

Security

Additional features

Anonymity

Key points

Available cryptocurrencies

User-friendliness

Value for money

Countries of operation

Best for

Account

Trading

Deposit and withdrawal

Account opening process

KYC required?

Customer Service

Security

Which of these exchanges is for you?

How do we review crypto exchanges?

Risk Disclaimer

More comparatives Capital.com and Trading212