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

Trying to choose between Capital.com and Yellow Card 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

Yellow Card

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Available Countries

United States

Europe

Yes

Latin America

Yes

India

Yes

China

Canada

Yes

United Kingdom

Yes

United States

Europe

Latin America

India

China

Canada

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.

Yellow Card is ideal if:

Ideal if you prioritize local African access – it supports fiat on-ramps and local payment methods like mobile money, cash agents, and bank transfers across many African markets.
Perfect for simplicity and security – the user-friendly interface, strong AML/KYC processes, and embedded compliance make it approachable and trustworthy for new users.
Great for businesses needing robust infrastructure – with tools like embedded widgets, a Payments API, and invoice settlement, it's tailored for seamless crypto-fiat integration in emerging markets.

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.

Yellow Card isn’t ideal if:

Not for variety seekers – the platform offers a narrow range of cryptocurrencies, making it unsuitable if you want exposure to many or newer digital assets.
Limited advanced tools – lacking features like futures, staking, or analytic dashboards, it’s less suited if you're into sophisticated trading strategies.
Not ideal for non-African users – it’s built around African markets and local payment methods, so those outside this region may find it inconvenient or inaccessible.

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.

Yellow Card does not use traditional maker or taker fees—instead, it applies a modest spread on spot trades, keeping the user experience simple without volume-based tiers or discounts tied to any native token.

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.

Yellow Card doesn’t offer futures or derivative trading, so there are no associated maker/taker fees, funding charges, or leverage costs to consider.

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.

The platform’s spread-based model keeps spreads consistently small for popular pairs, designed for clarity and predictability rather than frequent fluctuations tied to 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.

You can fund your account using bank transfers, mobile money, or cash-agents—with service fees that vary by channel (typically around 1–2%) and settlement times ranging from near-instant (in local mobile networks) to same-day for bank transfers.

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.

Transfers on alt-chains like Polygon or Solana are free, while ERC-20 and TRC-20 stablecoin withdrawals carry a modest flat fee (about 1.5 USDT), and crypto withdrawals like BTC or ETH incur standard miner fees that adjust with network 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.

There are no obscure charges like inactivity or express KYC fees; costs are transparent and tied to the payment method or network chosen, with currency conversions integrated into the pricing or spread rather than applied as additional hidden fees.

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 purchase €500 worth of BTC, your cost combines a small spread on the BTC price plus a service fee for converting your fiat (around 1–2%), and if you withdraw on-chain, a standard network fee applies—altogether designed to stay straightforward and avoid unexpected 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.

Yellow Card supports a limited selection of core assets—Bitcoin (BTC), Ethereum (ETH), Tether (USDT), Cardano (ADA), Solana (SOL), USD Coin (USDC), Polygon (MATIC), Celo Dollar (cUSD), Tether Gold (XAUt), and PayPal USD (PYUSD)—but does not provide a wide array of trading pairs or a ranked list by volume.

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 specializes solely in spot buying and selling; it does not offer margin, perpetuals, options, crypto ETFs, staking or lending programs, copy trading, grid bots, or automated DCA features.

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.

While there’s basic liquidity for BTC and ETH via spot trades and commercial OTC access, the platform does not publish typical 24-hour volume or book-depth metrics, so these indicators remain undisclosed.

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.

Yellow Card provides simple buy/sell workflows with minimal advanced order types—no stop, limit, OCO, alert systems, in-app charts, or TradingView integration—but does offer an API and embeddable widget for businesses to integrate fiat-crypto on-ramps.

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.

As derivatives and advanced trading products are not offered anywhere, there is effectively no geographic variation—only basic spot services are accessible across supported African markets.

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.

The platform does not feature launchpads, launchpools, or different earn modalities; its innovation focus lies in seamless cross-border payments via Stablecoins, API integrations, and improving fiat on-ramp infrastructure.

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.

The parent company, Yellow Card Financial Inc., was established in Delaware in 2016 and later converted into a C-corporation, with registered offices in Delaware and Alabama; it also operates through local subsidiaries across Africa to meet regional legal and tax obligations.

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.

Yellow Card holds a Virtual Asset Service Provider (VASP) license from Botswana and a Crypto Asset Service Provider (CASP) license in South Africa, reflecting its commitment to working under formal regulatory frameworks in key African markets.

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.

Customer cryptocurrencies are securely held via Fireblocks infrastructure, using MPC-CMP to safeguard private keys and equipped with high-level security certifications and regular penetration testing; the platform itself does not engage in staking or borrowing with user assets.

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.

Yellow Card does not offer explicit insurance or dedicated protection funds for user assets; instead, its security emphasis lies on institutional-grade custody and compliance rather than insurance-based safeguards.

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 known reports or record of hacks, platform suspensions, asset freezing, or regulatory fines associated with Yellow Card, which suggests a clean operational history to date.

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 controls include mandatory multi-factor authentication with options like 2FA and OTP, strong internal training and encryption protocols, real-time threat monitoring with auto-lock features, and robust anti-phishing guidance embedded in the platform experience.

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 Yellow Card offers secure embedded infrastructure and compliance transparency, there is no indication that it publishes public monthly reports, maintains a viewable public wallet, or guarantees formal service levels (SLA) beyond its regulatory obligations.

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.

Yellow Card enables deposits via mobile money, bank transfers (manual), and cash agents, with minimum amounts varying by country and reflecting local currencies; mobile money deposits are typically instant, while manual bank transfers may take up to 48 hours to reflect.

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.

Users begin at an introductory tier with basic identity information and limited functionality, with higher tiers unlocked through document and funding verification—each providing progressively higher deposit, withdrawal, and trading limits.

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.

Withdrawal options mirror deposit methods and differ by country; mobile money withdrawals tend to be quick, while bank transfers are slower, and on-chain crypto withdrawals use networks such as ERC-20 or TRC-20 where available, with specific limits tied to your KYC tier and jurisdiction.

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 accessible via in-app chat 24/7 throughout the African operating regions, complemented by email assistance and a knowledge base to guide users through common issues or questions.

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 app is localized in multiple African languages (Hausa, Swahili, Zulu, Yoruba, etc.), and displays amounts in both local fiat and USD, ensuring it fits the region’s linguistic and regulatory contexts.

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 core experience is delivered through native mobile apps on Android and iOS, optimized for stability and security; as of August 1, 2025, legacy access via web and older operating systems will be phased out to improve performance and maintain high reliability.

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.

Yellow Card offers a clean, mobile-first interface designed for quick onboarding, especially for new users in Africa, with no “Lite” or “Pro” toggles—though businesses can use a more advanced API and widget for integration, while the app remains streamlined.

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.

The app is optimized for fast fiat-to-crypto conversions, even during peak demand, without reported crashes or slowdowns in high-volatility periods; KYC processes are integrated into the flow to minimize manual queues, particularly benefiting active markets.

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.

Yellow Card provides structured learning through its Academy initiative, boosted by Tether-powered financial literacy campaigns across African universities, though it does not currently offer interactive demos, simulators, or Spanish-language content.

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.

A vibrant presence on platforms like social media complements their knowledge base, and they run targeted ambassador programs and referral campaigns—but there are no official community forums or Discord servers listed publicly.

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 platform emphasizes business integrations via its widget and Payments API for seamless fiat-crypto flows; however, it does not integrate with charting tools like TradingView, external trading bots, tax software, or accounting platforms.

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.

Yellow Card is ideal for individuals and businesses in Africa seeking simple, secure, and compliant fiat-to-crypto on-ramps using local payment methods—but not for users looking for advanced trading features, educational simulators, or broad third-party tooling.