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

Trying to choose between Capital.com and Wirex 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

Wirex

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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

Yes

Latin America

India

China

Yes

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.

Wirex is ideal if:

Seamless multi-currency spending: Manage both crypto and fiat in one app, with real-time conversions and no FX charges whenever you use the Wirex debit card—even abroad.
Simple yet rewarding daily use: Tap into automated rewards like crypto cashback and easy-to-use savings tools, all wrapped in an intuitive, user-friendly interface built for everyday transactions.
Straightforward crypto access: Buy, store, exchange, and spend top cryptocurrencies—all in a unified, mobile-first platform that minimizes complexity for regular users.

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.

Wirex isn’t ideal if:

Not for heavy institutional users: Transaction and ATM withdrawal caps may frustrate those handling large volumes or needing high-limit flexibility.
Limited appeal for advanced traders: The platform focuses on simplicity and lacks deep trading tools or broad asset variety for seasoned crypto professionals.
Potential support or availability hurdles: Region-based restrictions and occasional delays in resolving account issues could hinder seamless access and smooth customer service.

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.

Wirex applies a flat trading fee—both maker and taker orders on spot are charged the same rate of approximately 0.20 % per trade, with no tiered volume discounts or token-based reductions.

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.

Wirex does not offer futures or derivatives trading, so maker, taker, or funding rate data are not applicable.

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.

Wirex sources liquidity via over-the-counter or interbank channels, offering exchange rates that reflect market-leading rates with competitive—but variable—spreads depending on live liquidity.

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 funding methods include free SEPA (EUR), Faster Payments (GBP), ACH (US), and PIX (Brazil), with fast processing time and no fees, while card top-ups typically incur around a 1 % charge depending on region.

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.

Wirex does not charge its own fee; however, external wallet transfers are subject to network fees only, which fluctuate based on blockchain congestion.

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.

Potential indirect costs include exchange rate margins on OTC conversions, fees for card top-ups from credit/debit cards, and an administrative fee (around GBP 30) for account closures that violate terms—these are not always obvious upfront.

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.

For a €500 BTC purchase, you’d pay a spot trading fee of ~0.20 %, plus live OTC spread embedded in the rate—if you then withdraw BTC on-chain, you’d pay only the blockchain’s variable fee (Wirex doesn’t add extra charges).

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.

Wirex supports around 30–37 cryptocurrencies globally (and about 9 on its dedicated exchange), including Bitcoin, Ethereum, Litecoin, Dai, Nano, XRP, Stellar, Waves, and WXT; the top 20 pairs by volume would naturally include those with major liquidity like BTC/USD, ETH/USD, and other mainstream tokens.

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.

The platform is built around spot trading, flexible earning products like X-Accounts and DUO (short-term fixed-return pools), crypto-to-fiat spending via its debit card, and multi-currency wallets—but it does not offer margin, perpetuals, options, ETFs, copy trading, grid bots, or DCA automation.

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.

Wirex uses OTC and interbank channels for liquidity, offering live market rates with generally smooth execution—but it does not publicly publish 24-hour trading volume or detailed order book depth for BTC or ETH.

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.

Users get a mobile-optimized interface with basic order types (market, limit), real-time charts, price alerts, but there’s no advanced charting like native TradingView, nor official API or WebSocket endpoints for automation.

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.

Derivatives and advanced trading features are limited or unavailable in certain regions—for example, U.S. users have access only to basic crypto buying/selling and wallet functions; higher-tier products remain restricted based on local regulatory allowances.

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.

Wirex offers investment innovations like X-Accounts for flexible interest and DUO for fixed-return digital pair products; it also integrates cashback with its card and live OTC rates, but it doesn’t feature launchpads, launchpools, or staking in the traditional sense.

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.

Wirex’s legal structure includes distinct entities such as Wirex Limited (established in the UK), Wirex USA Inc. (Delaware), Wirex Australia Pty Ltd (Sydney), and others; the original parent company dates back to 2014.

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.

Wirex is regulated for fiat services—for example, Electronic Money Regulation permissions via the UK’s FCA and registration with AUSTRAC in Australia—while crypto service operations adhere to AML and fraud prevention norms even when crypto licensing is not applicable.

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.

Funds are held using Fireblocks’ MPC-based wallet infrastructure with multi-signature and time-locked withdrawals; most crypto assets are kept in secure cold storage; although formal Proof of Reserves or detailed audit reports are not publicly disclosed.

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.

No public insurance scheme is mentioned for digital assets, nor a segregated compensation fund; protection stems largely from internal fraud detection systems and robust custody protocols.

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 public records of successful hacks or major service suspensions; Wirex has maintained a clean security track record without regulatory fines or platform-wide freezing incidents.

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.

Security tools include mandatory 2FA, strong customer authentication, device whitelisting, biometric and PIN locks, multi-signature approval on large transfers, dark web monitoring, and automated fraud risk detection systems.

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.

While Wirex regularly undergoes third-party security audits and maintains compliance standards like ISO 27001 and PCI DSS, it doesn’t publish monthly proof-of-reserve statements or public wallet addresses, and there’s no explicit SLA visible for uptime or service responsiveness.

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.

Wirex allows fiat funding through bank transfers (including IBAN for EUR and SEPA, Faster Payments for GBP), debit/credit cards, and select e-wallets—amount thresholds and processing times vary by region, with card top-ups processed instantly and bank transfers typically completing within 1–2 business days.

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.

Wirex uses a tiered verification approach—unverified accounts offer minimal functionality, while verified users (identity verified) gain access to higher transaction and funding limits aligned with regional regulatory standards.

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.

Fiat withdrawals are subject to regional limits and processing speeds, while on-chain crypto withdrawals utilize standard blockchain networks (e.g., BTC, ETH via their native chains), with processing time and fees set by the network and no added Wirex fee.

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.

Support is available via email and an in-app help center; response times vary by inquiry but typically range from a few hours to a business day, complemented by an extensive knowledge base for self-service. (No direct citation possible but based on platform structure)

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.

Wirex operates primarily in English but displays amounts and communicates in local currencies (€, $, £, etc.), and the platform adapts to regulatory requirements per region to ensure compliance and clarity for local users.

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.

The mobile app is polished and stable—no widespread outage or crash issues reported recently—with active maintenance and updates, and real-time system health monitoring indicating consistent operational performance.

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.

Wirex delivers a clean, mobile-first interface that’s intuitive for beginners; it doesn’t offer distinct “Lite” or “Pro” modes, instead keeping a single streamlined layout that balances simplicity with access to core tools.

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.

Order execution is generally swift with low latency under normal conditions, though during sudden market surges the simplistic UI may lag slightly; identity verification queues can become longer when crypto markets heat up, potentially delaying account activation.

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.

Wirex doesn’t offer a dedicated academy or trading simulator, but supports learning through blog guides, help articles, and statement exports to feed into tax platforms—though resources in Spanish remain limited compared to English.

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.

Wirex fosters engagement through its built-in referral program—users earn rewards when referred contacts deposit into X-Account Plus—and maintains active presence via its blog and help center, but it lacks a branded Discord or Telegram community forum.

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.

While Wirex doesn’t embed TradingView or support external trading bots, it enables export of transaction data and supports seamless integration with tax tools like Koinly and Blockpit for accounting and tax filing.

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.

Wirex suits everyday users who want crypto integrated into daily finance—spending, saving, and simple investing—rather than power users seeking advanced charting, bots, or simulation tools.