Capital.com vs Valr: Fees, Security, Features & Which to Choose (2025)

Trying to choose between Capital.com and Valr This side-by-side comparison reveals total cost (fees + spreads), security & licenses, coins/derivatives, deposits/withdrawals, and app quality. In 2 minutes you’ll see who wins for beginners, active traders, and long-term holders. Clear pros/cons, a quick verdict, and safe links to get started.

Last updated on September 5, 2025

Capital.com

Valr

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Available Countries

United States

Europe

Yes

Latin America

Yes

India

Yes

China

Canada

Yes

United Kingdom

Yes

United States

Yes

Europe

Latin America

India

China

Canada

Yes

United Kingdom

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Capital.com is ideal if:

For tech-savvy learners – Its intuitive, AI-powered platform and rich educational resources make it a great fit if you rely on smart tools to refine your trading strategy.
For traders across devices – With both proprietary web/mobile platforms and MetaTrader 4 support, it's ideal if you value flexibility in how and where you trade.
For internationally regulated users – Strong oversight from trusted authorities (FCA, CySEC, ASIC, and others) ensures you benefit from high-tier security and compliance.

Valr is ideal if:

Ideal for mobile-first traders Offers both a streamlined “Simple Buy/Sell” interface for quick trades and a robust exchange terminal with TradingView charts—perfect whether you're on the go or want advanced control.
Great for institutions and high-frequency traders Comes with institutional-grade APIs, subaccounts, and deep liquidity options tailored to algorithmic and corporate trading strategies.
Strong choice if you value security and regulation Backed by reputable investors and regulated across South Africa, Europe, and Dubai, offering peace of mind for users in jurisdictions where it's licensed.

Capital.com isn’t ideal if:

If you want direct ownership – It only offers CFD-based exposure, which means you don’t acquire the actual underlying assets.
If you need a wide variety of account types – Options beyond demo, retail, or professional are limited compared to some competitors.
If you're looking for copy trading or social features – It doesn’t support social trading or copy-trading capabilities.

Valr isn’t ideal if:

Not ideal if you're seeking global fiat flexibility Limited to a handful of fiat currencies, it doesn't support many global financial methods like PayPal or cards beyond ZAR.
Not ideal for complete beginners needing guidance Lacks educational tools, tutorials, and demo trading—so newcomers must learn by doing.
Not ideal if you need broad crypto variety or margin options Offers a narrower selection of assets and more restricted leverage choices than many mainstream exchanges.

Fees & Total Costs

Spot Maker/Take

Capital.com does not use classic maker/taker fees for spot trading; instead, all trading costs are embedded in the dynamic spread, and there is no tiered volume-based discount or native token benefit.

VALR uses a tiered structure where increased 30-day trading volume leads to lower or even negative maker fees and reduced taker fees on both fiat and crypto spot trades.

Futures/Derivatives

Capital.com offers CFDs on derivatives rather than crypto futures, so there are no separate maker/taker or funding fees—rather, overnight financing charges apply depending on position leverage and duration.

Perpetual futures follow the same volume-tiered schedule—makers may pay zero or negative fees, while takers benefit from progressively lower percentages as volume rises; funding occurs regularly based on market conditions (but specific rates fluctuate over time).

Average Spreads on Liquid Pairs

While exact numbers shift with market conditions, spreads on major crypto CFDs tend to be competitive and relatively tight during normal liquidity, reflecting a cost structure built into the quoted prices.

Spreads are generally tight, aligning with industry norms for highly liquid pairs, ensuring minimal difference between buy and sell prices.

Fiat Deposits & Withdrawals

You can deposit via credit/debit cards, bank transfers, or e-wallets with no deposit fees; card or digital payments are typically instant, while bank transfers may take a few days. Withdrawals are also free but processing can take up to five business days depending on the method.

Fiat deposits (wire, SEPA, card, EFT depending on the currency) are free of platform fees and usually post within two days; bank withdrawals follow standard local banking hours and policies, with occasional small charges and speed options.

On-chain Withdrawals

Capital.com does not support direct on-chain crypto withdrawals, as it operates using CFDs—so there is no blockchain withdrawal fee to consider because you can’t withdraw crypto into an external wallet.

Crypto withdrawals incur variable, network-based fees that depend on blockchain congestion—no fixed flat rates from the platform itself.

Hidden Costs

Hidden costs may include a currency conversion fee when trading in a currency different from your account base (around 0.7%), and an inactivity fee charged monthly after a year of dormancy; there are no express KYC fees.

There are generally no surprise or maintenance fees—no inactivity charges, no hidden conversion costs, and premium KYC (if offered) doesn’t carry extra fees unless noted at the point of use.

Real-World Cost Example: “€500 BTC

If you buy €500 in BTC (via CFDs), your cost would include the embedded spread on entry, possible conversion if your base currency differs, and if you withdraw funds later via bank transfer, you’ll incur no Capital.com fee—only standard bank or intermediary charges may apply.

If you were to purchase €500 of BTC, your total would include a modest trading fee (based on your tier), a minimal spread typical of liquid markets, and your withdrawal cost would depend on the chosen network’s fee at that time.

Crypto Offering & Trading Features

Number of Coins & Pairs

Capital.com offers CFD trading on around 400 crypto assets, with the most traded pairs including prominent names like BTC/USD, ETH/USD, SOL/USD, XRP/USD, DOGE/USD, SHIB/USD, and others that typically rank among the top 20 by volume.

VALR lists over 75 cryptocurrencies across roughly 60–71 trading pairs; top volume pairs typically include BTC/USDT, ETH/USDT, XRP/USDT, and BTC/ZAR.

Product Range

The platform focuses on spot-style CFD trading with leverage and margin; it does not support perpetuals, options, crypto ETFs, staking, lending, copy trading, grid bots, or automated DCA features.

VALR offers spot trading, spot margin with up to 5× leverage, and perpetual futures with leverage up to 60×. It also supports staking/earn programs and lending, but lacks options, crypto ETFs, copy trading, grid bots, or automated DCA products.

Liquidity

While exact figures vary with market conditions, BTC and ETH CFDs usually benefit from strong liquidity and tight order-book depth, ensuring that positioning in these flagship pairs remains fluid and responsive to market moves.

The exchange typically handles over US$30 million in daily trading volume, with deep liquidity on major BTC and ETH pairs facilitating tighter order book depth.

Tools

Traders get limit, stop and OCO-like functionality, plus smart price alerts, richly featured charting powered by a native TradingView integration, and a full REST & WebSocket API for deep automation and data access.

You can place limit, market, and stop-limit orders (including OCO equivalents). VALR offers advanced charting integrated with TradingView, configurable alerts, and both API and WebSocket access for real-time trading and data needs.

Geographic Restrictions by Product

Crypto CFD derivatives are broadly available, but notably not offered to UK retail clients, reflecting regulatory constraints that may apply depending on your residence.

Some jurisdictions are restricted from offering certain features—derivatives, for example, are only available in qualifying regions, meaning not every user can access margin or futures products depending on local compliances.

Innovation

The platform focuses on core CFD trading and charting infrastructure and does not currently provide features like launchpads, launchpools, or flexible vs blocked “earn” products.

While VALR doesn’t offer launchpads or launchpools, it does provide both flexible staking and lending options alongside traditional locked products, giving users varied approaches to earning on their assets.

Security, Regulation & Custody

Operating Entity & Jurisdiction

Capital.com operates through several legal entities—most notably Capital Com SV Investments Ltd in Cyprus (head office in Limassol), with regional arms like Capital Com MENA Securities Trading LLC in the UAE—established around 2016 and headquartered across jurisdictions like Cyprus, the UK, Australia, the Bahamas, and UAE.

VALR operates through several legal entities including VALR Proprietary Ltd (established 2018, headquartered in South Africa), VALR EU in Poland, and regional branches in India and Dubai—demonstrating a multi-jurisdictional operational structure.

Licenses/Registration

The broker is regulated by top-tier authorities including CySEC (EU), FCA (UK), ASIC (Australia), SCB (Bahamas), and SCA (UAE); it complies with MiFID standards in the EU but is not classified as a VASP under current crypto-specific regulatory frameworks.

VALR holds multiple regulatory approvals

Custody

Client funds are held in segregated accounts with top-tier banks and not commingled with company assets, though there’s no public evidence of Proof of Reserves, audit reports, or specified cold-storage percentages specific to crypto holdings.

VALR maintains a fully reserved custodial model, where all user funds are held 100% backed and are never lent out. Transfers of crypto assets require multi-signature approvals across secure locations, with funds stored in both cold and hot wallets using multi-sig technology.

Insurance & Protection Funds

Retail clients in the EU receive coverage through Cyprus’ Investor Compensation Fund (up to a certain limit), and UK clients through FSCS; there is also mandatory negative balance protection for retail users, but there appears to be no standalone private insurance for custody.

There’s no publicly stated insurance or user protection fund offered—VALR emphasizes full reserves and strong internal safeguards rather than insured coverage.

Incident History

There are no publicly reported major security breaches, trading suspensions, account freezes, or regulatory fines associated with the platform to date, indicating a clean historical safety record.

There are no publicly documented major security incidents, hacks, suspensions, or regulatory fines affecting VALR to date, reflecting a clean track record.

Risk Controls

Security features include 2FA, internal fraud and anti-phishing safeguards, and supported tools for risk management; however, there is no explicit mention of whitelisted addresses, sub-account structures, or highly granular API permission tiers.

VALR implements robust user protections

Transparency

The platform provides regulatory compliance transparency through standard policies, but does not offer monthly audit reports, public wallet listings, or formal service-level agreements (SLAs) as part of its disclosures.

VALR does not publicly publish monthly financial or reserve reports, nor does it offer a public wallet or explicit service-level agreements (SLAs); transparency is delivered through regulatory registration and communication rather than open-ended disclosures.

Deposits, Withdrawals, KYC & Support

Fiat Deposit Methods

Capital.com lets you deposit via bank transfer, debit/credit cards, Apple Pay, Google Pay, PayPal, Neteller, Skrill, and regional services like iDEAL, Trustly, SPEI or Lean; minimums vary by method (typically $20 or equivalent), and funds via card or e-wallet tend to arrive instantly, whereas bank transfers may take a few business days.

Users can deposit ZAR via EFT or South African-issued Visa/Mastercard (3D Secure), while USD and EUR can be sent via SWIFT or SEPA transfers (converted to stablecoins). ZAR card deposits incur around a 3.9% fee; EFT is free. USD deposits require a minimum of $5, while EUR has a €1 minimum. Processing times vary—from instant for cards to up to 48 hours for bank transfers.

Supported Fiat Currencies & Conversion

KYC (Verification Levels)

You must complete KYC before trading; basic verification covers deposits up to your initial funding, with advanced verification required for higher withdrawal amounts or accessing profits via bank transfer, but there’s no public tiered structure labeled “basic” vs “advanced” on their site.

VALR employs a tiered KYC system with different levels (standard and Fully-Verified Plus). Higher levels, enabled by features like 2FA, unlock significantly higher withdrawal limits—ranging from fractions of a BTC up to 100 BTC daily.

Withdrawals

Withdrawals must be made via the original deposit method up to that amount; profits require a verified bank account; minimums start around $20 or local equivalent, processing occurs within 24 hours (most within minutes), although it can take up to five business days depending on the provider.

Daily crypto withdrawal limits depend on KYC status (up to 100 BTC). Users can choose networks like ERC-20, TRC-20, BEP-20, and more; fees are dynamically quoted. Fiat (ZAR) withdrawals follow local banking hours, with free standard or paid fast transfers depending on the bank.

Customer Support

Capital.com offers 24/7 chat support and email response through a help centre with quick turnaround, backed by a robust knowledge base covering deposits, tools, trading, and troubleshooting.

VALR offers 24/7 support through a chatbot, email/ticket system, and a searchable knowledge base. Response via live chat or phone is limited, but the help center is comprehensive.

Languages & Localization

The platform supports a wide array of languages including native-level Spanish, presents fees and pricing in local fiat formats like €, and is tailored and regulated per locale via regional subsidiaries.

The platform operates primarily in English (with limited additional language support), displays prices in local currencies like USD, EUR, or ZAR based on region, and reflects applicable regulatory contexts transparently.

App Quality & Stability

Their mobile app is regularly updated to enhance performance and tools, showing strong stability with minimal reported crashes—though no specific crash rate or version history is publicly shared.

VALR offers both web and mobile interfaces. Mobile apps are regularly updated, delivering smooth charting and trading experiences. While exact crash rates aren’t disclosed, user feedback suggests the app is generally stable, with no major performance complaints in recent updates. (No explicit crash rate data available.)

Experience, Performance & Ecosystem

UX/UI

The interface is friendly for beginners, with a clean layout and intuitive navigation, while offering advanced charting tools that feel like a “Pro” experience—there’s no separate mode labeled Lite or Pro, but the design scales nicely with your growing skill.

The platform offers a dual-interface approach—with a beginner-friendly “Simple Buy/Sell” mode for quick swaps and a more advanced trading terminal for experienced users, creating a smooth progression as your familiarity grows.

Performance

The platform executes orders swiftly with minimal latency and holds up well even during volatile market conditions; account verification remains efficient without major backlogs, even when markets heat up.

VALR delivers generally low-latency execution and stable performance even during busy periods, with no widely reported system outages or KYC bottlenecks—even in volatile market conditions.

Education

Capital.com features a strong educational ecosystem, including a richly featured demo account, live webinars, glossaries, articles, and full Spanish-language content to guide both new and intermediate traders.

There’s no formal academy, demo account, or Spanish-language content on VALR; educational guidance is minimal, placing the learning responsibility primarily on the user.

Community

While it doesn’t host its own public forum or Discord, the platform encourages community via integrated social tools and offers a referral program that rewards users for inviting new traders.

VALR supports a referral program and maintains communication channels through its support portal and social media, but doesn’t feature official forums or active Discord/Telegram communities.

Integrations

The integration with TradingView is seamless and empowers deep charting and automation, but there are no built-in tools for external bots, tax reports, or accounting features—those must be sourced externally.

The exchange integrates TradingView natively for charting and supports external trading bots through its API, yet it lacks built-in tax reporting or bookkeeping tools.

Who Each One Is Best For

This setup works best for traders who value polished interfaces with pro-level tools, rich educational support, and solid integrations—making it ideal for both curious beginners and performance-oriented intermediate users.

VALR shines for mobile-first traders and corporate users seeking advanced tools and clean interfaces, but may feel limited for beginners needing educational support or for users seeking tax and community integration.