Share Trading comparison
Capital.com vs Totality Wealth
Capital.com and Totality Wealth look like trading platforms, but they serve completely different purposes. Capital.com is a CFD broker — you never own the underlying asset, you're speculating on price movements with leverage. Totality Wealth (formerly Saxo Capital Markets) is a genuine share broker where you buy and hold real ASX and international stocks under your own HIN. That's the fundamental divide.
Choose
Capital.com
if…
- ›You want to trade CFDs on indices, currencies, commodities and global markets with leverage, not buy actual shares
- ›You're comfortable with a custodial model where you don't hold a HIN or own the underlying asset
- ›You want zero brokerage and zero platform fees — costs are embedded in the spread and FX conversion
- ›You need 24/7 customer support and a demo account to practice strategies before going live
- ›You want to deposit via PayID, card, Apple Pay or PayPal with a low $20 minimum
Choose
Totality Wealth
if…
- ›You want to buy and hold real ASX shares and ETFs under your own individual HIN with CHESS sponsorship
- ›You trade US stocks and want a USD sub-account to avoid paying FX conversion on every trade
- ›You need access to 18 global markets including Canada, Singapore and Switzerland, plus bonds and options
- ›You want dividend reinvestment (DRP) and Sharesight integration for tax reporting
- ›You're running a trust, SMSF, joint or company account — Totality supports all of them
Where they differ
| Fact | Capital.com | Totality Wealth |
|---|---|---|
| What you actually trade | CFDs only — you never own the underlying asset | Real shares, ETFs, bonds and options — you own the asset |
| ASX brokerage | $0 (cost in spread) | $3 or 0.08% (whichever is higher) |
| CHESS / HIN | Custodial — no HIN | Mixed — individual HIN available |
| FX spread (AUD/USD) | 0.7% | 0.0045% |
| USD sub-account | No | Yes |
Verdict
Choose Capital.com for leveraged CFD speculation; choose Totality Wealth if you actually want to own shares under your HIN.
All data points side-by-side
Every verified fact for both platforms. Differences are highlighted.
| Field | Capital.com | Totality Wealth |
|---|---|---|
| account structure | ||
| CHESS sponsorship model | — | mixed |
| Individual HIN | — | Yes |
| Individual account | Yes | Yes |
| Joint account | No | Yes |
| Company account | Yes | Yes |
| Trust account | No | Yes |
| SMSF account | No | Yes |
| Kids / minor account | No | No |
| asset coverage | ||
| ASX shares supported | No | Yes |
| ASX ETFs supported | No | Yes |
| US shares supported | No | Yes |
| US ETFs supported | No | Yes |
| Other markets supported | US, UK, EU, HK, JP, DE, FR, AU | US, GB, HK, JP, DE, FR, CA, SG, CH, NL, IT, ES, BE, AT, DK, SE, NO, FI |
| Fractional shares (ASX) | No | No |
| Fractional shares (US) | No | No |
| Options trading | No | Yes |
| CFDs supported | Yes | Yes |
| Managed funds | No | No |
| Bonds supported | No | Yes |
| IPO access | No | No |
| costs hidden | ||
| FX spread (AUD/USD) | 70% | 0.45% |
| FX spread (other currencies) | 70% | 0.45% |
| Holds USD account | No | Yes |
| FX currency switch trick | No | No |
| Market data fees | $0/month | $0/month |
| Conditional order fees | $0 | $0 |
| Corporate action fees | Not applicable — Capital.com offers CFDs only, not real shares. There are no corporate-action fees because clients do not hold underlying securities; dividend adjustments on share CFDs are passed through automatically (credited on long positions, debited on short positions) without an explicit fee. | Custodian processes corporate actions; proxy voting subscription EUR 30/year + EUR 5 per vote; new instrument requests USD 200 for Platinum / free for VIP legacy tiers; reporting fee USD 50 for Classic email reports. |
| costs visible | ||
| ASX brokerage minimum | — | $3 |
| ASX brokerage percentage | — | 0.08% |
| ASX brokerage threshold | — | $3,750 |
| US brokerage minimum | — | US$1 |
| US brokerage percentage | — | 0.08% |
| Monthly platform fee | $0/month | $0/month |
| Annual platform fee | $0/year | $0/year |
| Inactivity fee | $0 | $0 |
| Withdrawal fee (AUD) | $0 | $0 |
| Off-market transfer fee | — | $50 |
| identity and trust | ||
| Legal entity name | Capital Com Australia Pty Ltd | Totality Wealth Limited (formerly Saxo Capital Markets (Australia) Pty Ltd) |
| AFSL number | 513,393 | 280,372 |
| Year founded | 2,021 | 2,012 |
| Parent / ownership | Capital.com Group (founded by Viktor Prokopenya, backed by VP Capital); ultimate AU operator is Capital Com Australia Pty Ltd, part of the Cyprus-headquartered Capital.com group with multiple regulated entities globally | DMA (Johannesburg, South Africa) 80.1% / Saxo Bank A/S (Denmark) 19.9% |
| Country of incorporation | AU | AU |
| Public company status | private | private |
| money movement | ||
| Minimum initial deposit | $20 | $0 |
| Minimum subsequent purchase | $20 | $0 |
| Deposit methods | PayID, bank transfer, debit card, credit card, Apple Pay, PayPal | bank_transfer, BPAY, credit_card, debit_card, PayPal, Wise |
| Settlement period | N/A (CFDs are not settled — positions are open contracts marked-to-market continuously) | T+2 ASX, T+1 US |
| Withdrawal time | Within 1 business day for PayID and bank transfer; 3-5 business days for card/Apple Pay/PayPal. 91% of withdrawals processed within 5 minutes. | 1-3 business days |
| platform ux | ||
| iOS app | Yes | Yes |
| Android app | Yes | Yes |
| Desktop platform | Yes | Yes |
| Demo account | Yes | Yes |
| Free real-time market data | Yes | No |
| Free research reports | Yes | Yes |
| 2FA support | authenticator | app |
| Customer support channels | phone, email, live chat, WhatsApp | phone, email, live_chat |
| Support hours (AU time) | 24/7 English live chat and email; Melbourne-based phone support during AEST business hours | Mon-Fri 08:30-17:30 Sydney time |
| Education content | video + courses | extensive |
| tax and reporting | ||
| Australian tax statement | No | No |
| Distribution component breakdown | No | No |
| CGT calculator / report | No | No |
| Sharesight / Navexa integration | No | Yes |
| trading mechanics | ||
| Market orders | Yes | Yes |
| Limit orders | Yes | Yes |
| Stop loss orders | Yes | Yes |
| Conditional orders | Yes | Yes |
| Auto-invest / DCA | No | No |
| Auto-invest sophistication | none | none |
| DRP (dividend reinvestment) | No | Yes |
| After-hours / overnight trading | Yes | No |