OANDA vs Capital.com 2026
Both are regulated. The right choice depends on your trading style.
OANDA suits traders who value lower minimum deposit (None vs $20). Capital.com suits traders who prioritise tighter spreads, more instruments (6,800 vs 300), no inactivity fee.
Head to head
| OANDA | Capital.com | |
|---|---|---|
| Primary regulator | FCA 542574 | FCA 793714 |
| Regulation tier | tier-1 | tier-1 |
| Min deposit | None | $20 |
| EUR/USD spread | 1.2 pips | 0.6 pips |
| Instruments | 300+ | 6,800+ |
| MetaTrader | Yes (MT4+MT5) | Yes (MT4+MT5) |
| Copy trading | No | No |
| Real stocks | No — CFDs only | No — CFDs only |
| Inactivity fee | $10/mo after 12mo | None |
| Founded | 1996 | 2016 |
| Headquarters | New York, USA | London, UK |
Regulation: OANDA vs Capital.com
OANDA is regulated by FCA under licence 542574 (OANDA Europe Ltd). The FCA is a tier-1 regulator. Client funds are held in segregated accounts and negative balance protection applies.
Capital.com is regulated by FCA under licence 793714 (Capital Com (UK) Ltd). The FCA is a tier-1 regulator. Client funds are held in segregated accounts and negative balance protection applies.
Both brokers are regulated by tier-1 authorities. Neither has a significant regulatory advantage over the other.
Spreads and fees
OANDA's EUR/USD spread is 1.2 pips. Capital.com's EUR/USD spread is 0.6 pips. Capital.com offers tighter spreads on this pair.
OANDA charges an inactivity fee of $10/month after 12 months without trading. Capital.com does not charge an inactivity fee.
Platforms and tools
Both OANDA and Capital.com support MetaTrader 4 and 5, so algorithmic traders and EA users can use either.
Neither broker offers copy trading.
Minimum deposit
OANDA requires a minimum deposit of None. Capital.com requires $20. OANDA has the lower barrier to entry. Traders who want to start with less capital should consider OANDA.
Note that minimum deposits can vary by account type and by which regulatory entity serves your country. Some offshore entities allow lower deposits than the tier-1 entity.
Which is better for beginners?
OANDA also has the lower minimum deposit of None, making it easier to start with a small amount. Both platforms are accessible to new traders, though neither is specifically designed as a beginner-only broker.
Which is better for experienced traders?
Both OANDA and Capital.com support MetaTrader, so experienced traders can use either without restriction. Capital.com's tighter spreads (0.6 pips) make it better for high-frequency and scalping strategies. Capital.com offers more instruments (6,800) for portfolio diversification.
Verdict: OANDA vs Capital.com
Choose OANDA if you want lower minimum deposit (None vs $20). The FCA licence (542574) gives it strong tier-1 regulatory backing.
Choose Capital.com if you want tighter spreads, more instruments (6,800 vs 300), no inactivity fee. The FCA licence (793714) means strong tier-1 regulatory protection.
Both brokers are legitimate and regulated. The choice comes down to your specific trading requirements.
Frequently asked questions
OANDA vs Capital.com: which is better?
OANDA is better for lower minimum deposit (None vs $20). Capital.com is better for tighter spreads, more instruments (6,800 vs 300), no inactivity fee. If regulation quality is your priority, both have comparable regulation.
Is OANDA or Capital.com safer?
Both OANDA (FCA 542574) and Capital.com (FCA 793714) are regulated by tier-1 authorities. Both segregate client funds.
What is the minimum deposit for OANDA and Capital.com?
OANDA minimum deposit: None. Capital.com minimum deposit: $20. Minimums vary by entity and account type.
Do OANDA and Capital.com have MetaTrader?
Yes, both support MetaTrader 4 and MT5.