Capital.com and Pepperstone serve different kinds of CFD trader. Capital.com is the simpler choice: one proprietary interface, no trading commission on its published schedule and a broad range of markets. Pepperstone is more execution- and platform-focused, with MT4, MT5, cTrader, TradingView and its own platform, plus a choice between spread-marked-up Standard pricing and commission-based Razor pricing.
Neither is universally better. The right choice depends on your country, the legal entity that onboards you, the instruments you trade, whether you need automated strategies and how long you hold positions. For US residents, the comparison ends immediately: neither broker currently accepts US retail clients under its published availability information.
Capital.com vs Pepperstone: the short answer
| If you prioritise… | More suitable starting point | Why |
|---|---|---|
| A simple, commission-free headline pricing model | Capital.com | No trading commission is listed, although spreads, overnight funding and other charges still apply. |
| MT4, MT5, cTrader or algorithmic trading | Pepperstone | It supports more specialist platforms and platform-specific automation workflows. |
| Raw FX spreads plus transparent commission | Pepperstone Razor | Razor pricing uses raw spreads and charges commission on qualifying FX and spot-gold trades. |
| A proprietary app and web platform | Capital.com | Its own interface is the centre of the service and includes charting, research and education tools. |
| Opening a US retail account | Neither | Both brokers’ current published pages exclude or disclaim service to US residents. |
This is a CFD comparison, not a recommendation to use leverage. CFDs are complex, leveraged products in which losses can happen quickly. Check the entity, protections, permitted instruments and costs shown during your own application.
Availability and regulation
Do not compare these brokers as if each were one global legal entity. Capital.com operates through entities regulated by bodies including the FCA, ASIC, CySEC and the Securities Commission of The Bahamas. Pepperstone lists regulation through the FCA, ASIC, DFSA, CySEC, CMA Kenya, SCB Bahamas and BaFin, among others.
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Your residence and onboarding route determine which entity holds your account. That affects leverage, negative-balance protection, compensation schemes, product availability and sometimes pricing.
Capital.com’s current country-availability page lists the United States, Puerto Rico, Canada, Japan, Singapore, South Africa, New Zealand, India, Israel and Malaysia among unavailable locations, alongside other restricted territories. It also says it cannot service US citizens regardless of where they live. Pepperstone’s EU support pages state that its information is not intended for US residents and also exclude Belgium and Spain on those pages.
For that reason, a statement such as “Capital.com is FCA-regulated” or “Pepperstone offers FSCS protection” is incomplete unless it identifies the client’s specific entity.
Fees: Capital.com versus Pepperstone
Capital.com pricing
Capital.com’s published schedule lists no account-opening, account-closing, deposit, withdrawal or trading commission fees. That does not make trading free. The main costs can include:
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- Overnight funding on most leveraged positions.
- A 0.7% currency-conversion charge for retail clients, or 0.5% for Pro clients, according to the published schedule.
- A premium when a guaranteed stop is activated and triggered.
Before opening a trade, select Order details on the deal ticket to inspect the applicable funding charge. For an existing position, open Reports.
Capital.com says 1X accounts and 1:1-leverage CFD trades normally avoid overnight funding, but it lists exceptions including Natural Gas, US Cocoa, VIX and several TRY-related currency pairs. Therefore, “1:1 never incurs funding” is not a safe general rule.
The published minimum deposit is currently 10 USD/EUR/GBP for bank cards and Apple Pay, with a 50 EUR-equivalent minimum for wire transfers. However, a support-centre article also displays a 20-unit minimum. The applicable amount can depend on country, payment method and the account flow, so confirm it during onboarding rather than treating either figure as universal.
Pepperstone Standard and Razor
Pepperstone separates its principal pricing models:
| Account | How pricing works |
|---|---|
| Standard | The raw spread is increased by a markup; there is generally no separate commission on most markets. |
| Razor | Raw spreads can start at 0.0 pips on FX, with commission on FX and spot gold. |
The exact numbers are regional. Pepperstone’s EU support page describes a minimum 0.6-pip Standard markup. Another regional support page gives a 1-pip example and Razor commission from $3.50 per lot per side. Pepperstone’s UK page lists Razor FX and spot-gold commission from £2.25 per lot per side, while UK share CFDs carry commission of approximately 0.07% to 0.20% per side, depending on the product.
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These figures should not be combined into one global price list. Compare the schedule for the entity that will hold your account, then calculate the complete cost: spread plus commission, conversion, financing and any product-specific charge.
Pepperstone applies swap or overnight funding to positions held past 5 p.m. New York time; rates can change and are displayed on the trading platform. Some forward CFDs differ because the funding cost is built into the spread. Check Pepperstone’s regional costs and fees for the products and entity relevant to you.
Pepperstone does not charge account-keeping or inactivity fees. It may, however, archive an account with less than 10 currency units that has been inactive for more than three months. The remaining money is not taken, but you may need support or a replacement account to resume trading.
Which broker has better platforms?
Capital.com
Capital.com offers its web platform, mobile app, MT4, MT5 and TradingView. Its own app advertises more than 100 technical indicators and five chart types. The old description of Capital.com as “app-only” is no longer accurate.
For a trader who wants to research, chart and place trades in one relatively straightforward environment, Capital.com’s proprietary platform is likely to be easier to start with. MT4, MT5 and TradingView are available for users who prefer those interfaces, but platform support does not mean that strategies transfer automatically between them.
Pepperstone
Pepperstone lists its own platform, MT4, MT5, cTrader and TradingView. Browser and mobile access are available across the listed platforms, while downloaded cTrader is listed for Windows.
Pepperstone accounts are platform-specific. An MT4 account connects to MT4, an MT5 account to MT5 and so on. TradingView accounts are powered by cTrader and can also connect to cTrader, but the reverse connection is not available. This matters when choosing an account: opening one platform account does not necessarily give you interchangeable access everywhere.
Automation and algorithmic trading
Pepperstone has the clearer proposition for algorithmic traders. It supports:
- Expert Advisors written in MQL4 on MT4.
- Expert Advisors written in MQL5 on MT5.
- cBots written in C# on cTrader.
MT4 code is not directly compatible with cTrader, and MT4 code generally needs conversion to run on MT5. A strategy’s platform, language, hosting arrangement and account type should be decided before depositing funds.
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Capital.com supports MT4, MT5 and TradingView, but its proprietary platform remains the primary interface. Do not assume that an MT4 Expert Advisor can be moved to MT5 or TradingView without platform-specific development or testing.
Markets and instruments
Both brokers offer CFDs on categories such as forex, indices, commodities, shares, ETFs and cryptocurrencies, but their advertised counts are not directly comparable.
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Capital.com’s international pages currently advertise figures ranging from 5,500-plus to 6,100-plus CFD markets. These different numbers appear on different regional or updated pages and may reflect classification differences.
Pepperstone’s Australia platform comparison lists approximately 93 margin-FX instruments, 26 indices, 40 commodities, 31 cryptocurrencies, 95 ETFs and up to 1,400 share CFDs. Those figures are displayed for an Australian page and are not guaranteed for every entity or client.
If one specific market matters, search for that instrument after logging into the relevant demo or live platform. A larger headline catalogue does not guarantee that a particular share, crypto CFD or regional product is available to you.
Leverage and account protection
Leverage depends on the regulator, retail or professional classification, asset class and instrument. It is not a single broker-wide setting.
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Pepperstone says retail clients generally cannot choose arbitrary leverage. Professional clients can request changes through Secure Client Area → Account → pen icon above the relevant account → Change Leverage, subject to eligibility.
Capital.com’s leverage also varies. Its March 2026 terms for “Experienced Retail clients” list up to 100:1 for specified currency pairs, indices and gold, but this is not a standard entitlement for every retail client or jurisdiction.
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Negative-balance protection and compensation
Capital.com’s UK protection information says UK retail clients receive negative-balance protection, while professional clients can lose more than they deposit. Eligible UK clients may also qualify for FSCS compensation of up to £85,000, subject to the scheme’s rules.
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Pepperstone’s FAQ distinguishes FCA retail clients, who receive full negative-balance protection and a 50% margin stop-out threshold, from clients in other jurisdictions. Outside the FCA retail regime, negative balances may be handled case by case, and professional clients do not necessarily receive the same protection.
Deposits and withdrawals
Capital.com
To request a withdrawal:
- In the app, go to Account → Payments → Withdraw.
- On the web platform, go to LIVE → Withdraw Funds, or use Settings → My account → select account → Withdraw.
Capital.com generally returns deposited funds to the same card or payment method. Profits may need to go to a verified bank account. Third-party bank accounts are not permitted, and the account name must match your trading-account name. Unrealised profit from open positions cannot be withdrawn.
Capital.com typically processes withdrawals within 24 hours, but the receiving bank or card provider may take up to five business days. Further KYC or anti-money-laundering checks can extend the process.
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Pepperstone
Pepperstone’s withdrawal path is Secure Client Area → Funds → Withdraw Funds. Available methods and charges depend on country. Pepperstone says it does not charge deposit fees, although intermediary banks, card issuers and payment providers may charge separately. Regional schedules can also differ on international-wire fees and fee-free withdrawal options.
Pepperstone says withdrawal requests may take up to three business days to process. The bank or payment provider controls the final delivery time.
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Pepperstone’s EU support information says MT4 and MT5 demo accounts automatically expire after 60 days. A funded live-account holder may request a non-expiring demo, provided it is used at least once every 90 days. Clients can have up to 10 live trading accounts.
Capital.com lets users change the demo balance. In the app, use Account → My accounts → Demo → select demo account → Adjust balance → Confirm. On the web, use Settings → My accounts → Demo accounts → Top up 10,000.
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Capital.com or Pepperstone: which should you choose?
Capital.com may suit you if:
- You want a simpler proprietary app or web interface.
- You prefer a no-separate-commission headline model.
- You want integrated education and charting.
- You are comfortable checking spreads, funding and conversion costs before trading.
- The Capital.com entity available in your country offers the markets and protections you need.
Pepperstone may suit you if:
- You need MT4, MT5, cTrader or TradingView.
- You plan to use Expert Advisors, cBots or other automated workflows.
- You want to compare Standard pricing with raw-spread Razor pricing.
- You trade frequently enough for execution and spread details to matter.
- You understand that commission, financing and platform-specific account rules affect the total cost.
A Razor account is not automatically cheaper than Capital.com. The result depends on trade size, spread, commission, currency conversion, instrument and holding period. Likewise, Capital.com’s lack of trading commission does not make it cost-free.
FAQ
Is Capital.com better than Pepperstone?
Neither is universally better. Capital.com is the simpler commission-free CFD proposition, while Pepperstone is stronger for platform choice, raw-spread pricing and algorithmic trading. Compare the entity and complete costs for your country.
Can US residents use Capital.com or Pepperstone?
No. Capital.com’s current availability page lists the United States and Puerto Rico as restricted and says it cannot service US citizens wherever they live. Pepperstone’s current EU support pages state that its information is not intended for US residents.
Which is cheaper, Capital.com or Pepperstone?
There is no reliable universal answer. Capital.com lists no trading commission but charges spreads and may charge funding, conversion and guaranteed-stop premiums. Pepperstone Standard adds a spread markup, while Razor charges commission alongside raw spreads. The cheaper option depends on the instrument, trade size, account currency and holding period.
Does Pepperstone offer MT4 and MT5?
Yes. Pepperstone currently offers MT4, MT5, cTrader, TradingView, its own platform and, depending on the region, related platform access. Each trading account is linked to a specific platform.
Does Capital.com support MT4 and MT5?
Yes. Capital.com’s current platform information lists its web and mobile platforms plus MT4, MT5 and TradingView.
Does Capital.com charge overnight funding?
Generally, yes, on most leveraged positions held overnight. Capital.com says 1:1 positions normally avoid the charge, but lists exceptions including Natural Gas, US Cocoa, VIX and some TRY-related currency pairs. Check Order details before opening a trade.
Is Pepperstone’s Razor account always the best option?
No. Razor can be attractive for traders who value raw spreads, but commission still applies on qualifying products. Compare the all-in cost with Standard and Capital.com using your expected trade size, frequency and holding time.
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Are deposits and withdrawals free?
Both brokers publish no-fee options, but payment providers, card issuers and intermediary banks can charge separately. Capital.com also applies payment-method and verification rules, while Pepperstone’s available methods and regional charges vary by country.
The Bottom Line
Capital.com is the better fit for simplicity; Pepperstone is the better fit for platform choice and trading infrastructure. That verdict only becomes meaningful after checking the legal entity available in your country. Pricing, leverage, investor compensation, negative-balance protection and product access are not global features.
For a US-based reader, neither broker is currently an available retail option. For everyone else, use a demo account, inspect the live deal-ticket spread and overnight charge, and compare the full cost of a realistic trade rather than relying on “commission-free” or “raw spreads” as standalone selling points.
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Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
