Is Capital.com a scam?

No. Capital.com is a licensed broker, and unusually easy to check, because the regulator publishes the exact domain the licence covers.

We read the CySEC register on 5 September 2026. Capital Com Group Ltd holds licence 463/25, dated 10 November 2025, company registration HE 446198, and its approved domains include capital.com/en-eu/. Its permissions include dealing on own account, which is the field that decides whether a firm is allowed to be your counterparty rather than only pass your order along.

A second Cyprus entity, Capital Com SV Investments Ltd, holds licence 319/17 from 7 April 2017 and is also current, with a branch in Milan. Outside the EU: Capital Com (UK) Limited holds FCA firm reference 793714 and Capital Com Australia Pty Ltd holds AFSL 513393.

What actually protects your money

• Segregation. Both entities' terms commit to holding client funds in segregated bank accounts, not used for the company's own business.
• The Investor Compensation Fund. Cyprus pays the lesser of 90% of a covered claim or €20,000 if the firm fails.
• Insurance above that. Capital.com's EU client funds page states cover from €20,000 up to €1,000,000 in the event of insolvency, at no cost. The underwriter is not named, so we treat that as a real but unverified addition rather than a headline.
• Negative balance protection, applied per account under ESMA rules, so you cannot end up owing more than the account holds.

The two things worth checking yourself

Which entity you sign with. Two live Cyprus licences list the same URL and Capital.com publishes no rule for who sits with which. Read the entity name on the client agreement before funding. Both are properly licensed, so this is a matter of knowing rather than worrying.

Clone sites. The FCA published a warning on 2 June 2021 about a firm using Capital Com (UK) Limited's name and reference number. Type the domain yourself rather than following a link from a message or an advert.

What a scam broker looks like instead

A licence number belonging to a different company than the one taking your deposit. A regulator that does not supervise anyone. No register entry at all. Several brokers we rate carry exactly those, and the contrast is the point of our scoring method.

Losing money is a separate matter. Most retail CFD accounts lose money, and that is the product rather than misconduct.

The full rating, the fee breakdown and the entity check are in our Capital.com review.