Saxo Bank vs Capital.com 2026
Both are regulated. The right choice depends on your trading style.
Saxo Bank suits traders who value tighter spreads, real stock ownership, more instruments (65,000 vs 6,800). Capital.com suits traders who prioritise lower minimum deposit ($20 vs $2000), no inactivity fee.
Head to head
| Saxo Bank | Capital.com | |
|---|---|---|
| Primary regulator | DFSA DF000029 | FCA 793714 |
| Regulation tier | tier-1 | tier-1 |
| Min deposit | $2000 | $20 |
| EUR/USD spread | 0.4 pips | 0.6 pips |
| Instruments | 65,000+ | 6,800+ |
| MetaTrader | Yes (MT4+MT5) | Yes (MT4+MT5) |
| Copy trading | No | No |
| Real stocks | Yes | No — CFDs only |
| Inactivity fee | $100/mo after 6mo | None |
| Founded | 1992 | 2016 |
| Headquarters | Copenhagen, Denmark | London, UK |
Regulation: Saxo Bank vs Capital.com
Saxo Bank is regulated by DFSA under licence DF000029 (Saxo Bank A/S (DIFC)). The DFSA 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
Saxo Bank's EUR/USD spread is 0.4 pips. Capital.com's EUR/USD spread is 0.6 pips. Saxo Bank offers tighter spreads on this pair.
Saxo Bank charges an inactivity fee of $100/month after 6 months without trading. Capital.com does not charge an inactivity fee.
Platforms and tools
Both Saxo Bank and Capital.com support MetaTrader 4 and 5, so algorithmic traders and EA users can use either.
Neither broker offers copy trading.
Minimum deposit
Saxo Bank requires a minimum deposit of $2000. Capital.com requires $20. Capital.com has the lower barrier to entry.
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?
Capital.com also has the lower minimum deposit of $20. Both platforms are accessible to new traders, though neither is specifically designed as a beginner-only broker.
Which is better for experienced traders?
Both Saxo Bank and Capital.com support MetaTrader, so experienced traders can use either without restriction. Saxo Bank's tighter spreads (0.4 pips) make it better for high-frequency and scalping strategies. Saxo Bank offers more instruments (65,000) for portfolio diversification.
Verdict: Saxo Bank vs Capital.com
Choose Saxo Bank if you want tighter spreads, real stock ownership, more instruments (65,000 vs 6,800). The DFSA licence (DF000029) gives it strong tier-1 regulatory backing.
Choose Capital.com if you want lower minimum deposit ($20 vs $2000), 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
Saxo Bank vs Capital.com: which is better?
Saxo Bank is better for tighter spreads, real stock ownership, more instruments (65,000 vs 6,800). Capital.com is better for lower minimum deposit ($20 vs $2000), no inactivity fee. If regulation quality is your priority, both have comparable regulation.
Is Saxo Bank or Capital.com safer?
Both Saxo Bank (DFSA DF000029) and Capital.com (FCA 793714) are regulated by tier-1 authorities. Both segregate client funds.
What is the minimum deposit for Saxo Bank and Capital.com?
Saxo Bank minimum deposit: $2000. Capital.com minimum deposit: $20. Minimums vary by entity and account type.
Do Saxo Bank and Capital.com have MetaTrader?
Yes, both support MetaTrader 4 and MT5.