Accounts and opening requirements
Sections ↑CapTrader combines a German brokerage and service relationship with a separate account and custody structure. The choices between personal and company ownership, cash and margin, and self-directed and managed trading should be made separately: choosing a platform does not grant every product permission.[1][2][14]
Reference table01
Opening choices
| Attribute | Personal cash | Personal margin | Company / family structure |
|---|---|---|---|
| Minimum age / ownership | 18 or older | 21 or older with the required experience | Company or eligible family arrangement; supporting ownership evidence requiredSource 1Source 2 |
| Initial funding | EUR 2,000 or US$2,000 in the opening FAQ | The same stated personal initial-funding amount; margin requirements are additional | Company: EUR 25,000; a family arrangement may link up to 15 subaccountsSource 1Source 2 |
| Borrowing | No leveraged spending beyond settled funds | Approved borrowing, short positions and derivatives possible | Cash/margin permissions and individual mandates remain separateSource 1Source 2 |
| Futures | Not available through the ordinary cash structure | Subject to permission and sufficient collateral | Requires the appropriate margin and trading authoritySource 2 |
Reference table02
Application documents
| Item | Terms and practical meaning |
|---|---|
| Identification | Provide tax identification details and a valid identity document. Online verification or manual upload is supported; the guide does not require a PostIdent visit for its ordinary digital private application.Source 1 |
| Address evidence | When separate proof is required, the guide accepts specified bank or utility documentation less than six months old. Passport or driving-licence routes may therefore need another document.Source 1 |
| First funding or transfer | An incoming securities transfer may meet all or part of the opening funding requirement. A deposit must originate in the holder’s own name; cash and third-party payments are rejected.Source 1 |
Markets and platform choices
Sections ↑Reference table03
What the account supports
| Item | Terms and practical meaning |
|---|---|
| Investments | The service lists shares, ETFs, bonds, investment funds, options and futures, plus other approved products. Permissions are requested in the application and can subsequently be amended in Client Portal.Source 1 |
| Leveraged FX boundary | The forex conditions distinguish the leveraged spot-FX offering outside the EEA from a CFD route for EEA clients. Cash conversion is a separate function and should not be advertised as unrestricted leveraged FX.Source 6 |
| Desktop and mobile | Trader Workstation, the Trading App and additional interfaces serve different workflows. The mobile app supports major order and portfolio functions; access does not establish compatibility with every desktop add-on.Source 3Source 7 |
| Market data and software | Ordinary platform access is listed without a base charge, but exchange subscriptions, optional software and professional data classifications may create separate costs.Source 3 |
Commissions, financing and account charges
Sections ↑Pricing & charges04
Published price points and their limitations
| Cost | Published basis | Interpretation |
|---|---|---|
| US shares | US$0.01 per share; US$2 minimum in the published example | For 62 shares, the minimum gives US$2, not US$0.62. Other charges remain separate.Source 5Source 4 |
| European stock illustration | 0.1% × EUR 10,000 = EUR 10 | The share page contains dated venue examples; this calculation is not an independently measured current execution cost.Source 5Source 4 |
| Foreign exchange illustration | US$130,000 × 0.00003 = US$3.90 | Based on the company’s illustrative EUR 100,000 conversion at 1.30; not a live EUR/USD rate or an all-size minimum quote.Source 6 |
| Ordinary account management | No regular account-management fee in the conditions | Borrowing, exposure, subscriptions and special services are separate.Source 3 |
| Withdrawals | One free per calendar month; further EUR 1 SEPA or EUR 8 wire | Recipient and correspondent-bank costs may still apply.Source 3 |
| Telephone liquidation | EUR or US$30, depending on the stated account basis, plus normal commission | IB telephone service is for market orders closing positions; the conditions waive this supplement for an IB technical fault.Source 3 |
Reference table05
Less visible cost triggers
| Item | Terms and practical meaning |
|---|---|
| Partial executions | The conditions consolidate qualifying fragments within a trading day. Executions on different days can incur a new commission for each day, including stock, ETF and currency orders.Source 3 |
| Currency borrowing | A multi-currency account can hold positive cash in one currency and a debit in another. Reporting everything in EUR does not eliminate the debit or the applicable financing charge.Source 1 |
| Risk exposure fee | The conditions describe a risk-based exposure charge for affected portfolios. It is distinct from interest on a margin loan and is not imposed merely because every client has a margin-enabled account.Source 3 |
Order authority, risk and exceptional dealing
Sections ↑Reference table06
Execution and risk controls
| Item | Terms and practical meaning |
|---|---|
| Product approval | Selecting a margin account is not blanket approval. Product and country trading permissions remain subject to the account provider’s checks.Source 1 |
| Real-time margin | IBIE’s protection description includes real-time liquidation where assets are insufficient for position risk. A displayed margin figure is not a promise to wait for a telephone warning.Source 15 |
| Telephone close-out | The conditions publish +41 41 726 95 36 for the IB dealing desk and restrict this route to market orders closing existing positions. It must not be represented as a general opening-order service.Source 3 |
| Risk Navigator | What-if scenarios explore price, volatility and time changes in a hypothetical portfolio. They are analytical outputs, not a guaranteed stop-loss or automatic liquidation instruction chosen by the customer.Source 10 |
Bank transfers, currency balances and withdrawals
Sections ↑Reference table07
Money and securities movements
| Item | Terms and practical meaning |
|---|---|
| Sending money | Use the account-specific instructions in the authenticated system and a matching-name personal bank transfer. Do not rely on bank details copied from an article.Source 1 |
| Bringing securities | A securities transfer can count towards initial capital. Confirm instrument acceptance, ownership and any outgoing broker costs before moving assets.Source 1 |
| Multiple currencies | The pre-opening guide describes separate cash balances. The base currency is for display and reporting and can be changed in Client Portal; it is not an instruction to convert every balance.Source 1 |
| Withdrawal allowance | Count payments within the calendar month when using the free-withdrawal allowance. The published tariff does not establish a universal same-day arrival or exemption from all payment holds.Source 3 |
| Empty-account closure | The FAQ warns that removing all cash and securities can lead to automatic closure after an unspecified interval. Retaining access to tax records and subscriptions needs separate attention.Source 1Source 11 |
Legal scope, client assets and authentication
Sections ↑Reference table08
Protection by entity and function
| Item | Terms and practical meaning |
|---|---|
| German intermediary | The company’s imprint identifies CapTrader GmbH and BaFin institute number 10156708, and states EdW membership. This is company-published evidence; it should not be displayed as a fresh independent registry check.Source 14 |
| Irish account provider | IBIE describes segregated client accounts and daily reconciliation. Its Irish compensation scheme protects eligible private investors against qualifying investment-firm failure, at 90% capped at EUR 20,000.Source 15 |
| Coverage boundaries | Professional clients and institutions are outside the stated Irish scheme. US-affiliate SIPC arrangements apply only to specified assets held there, with separate excess-policy conditions; they do not insure ordinary trading losses or futures.Source 15 |
| Secure login | The dial-in-security guide supports two-factor authentication and describes a physical security-device option for qualifying high-value accounts. Use the current account-specific method rather than sharing authentication credentials.Source 8 |
| Account recovery | Verify recovery requests through the official contact route. A device change is not evidence that a payout hold or identity check has been waived.Source 8Source 13 |
Service, statements and annual reporting
Sections ↑Reference table09
Help and records
| Item | Terms and practical meaning |
|---|---|
| Customer support | The account-opening page states service on trading days from 08:30 to 20:00, local German time, by phone and online channels. The international freephone is 00800 08723370 where supported.Source 13 |
| Performance report | The availability guide says the 2025 report is accessible through CT PLUS. Annual production generally starts in the second quarter after the underlying account-provider data becomes available.Source 11 |
| Older or exceptional reports | The guide documents availability for specific recent years and a request process for exceptions such as some company or part-year accounts. It does not establish unlimited online report history.Source 11 |
| Tax and cash are different | An EUR-based performance calculation is not conversion of the account’s actual cash. Retain the underlying statements and transaction records, and do not treat the performance summary alone as a definitive tax assessment.Source 12Source 1 |
API connections and managed-account mandates
Sections ↑Reference table10
Optional authority and tools
| Item | Terms and practical meaning |
|---|---|
| FIX connection selection | The FIX/CTCI documentation permits one connection type per account, extending to associated subaccounts in the relevant structure. Changing type may take about a week; it is not always an immediate switch.Source 9 |
| TWS and gateway | The documented TWS/IB Gateway alternatives belong to a trading-connection architecture. Verify the precise permissions, application control and cancellation procedure before authorising third-party software.Source 9 |
| Managed accounts | Managed accounts require a separate written mandate. The overview lists Rating A from EUR 20,000 and White², Total Return Long/Short and Quantmade from EUR 100,000 each. These are strategy minimums, not the ordinary self-directed opening requirement.Source 16 |
| Manager remuneration and exit | The overview describes strategy-dependent performance participation of 10%–20% on a high-water-mark basis. Obtain the complete cost and termination provisions: this summary does not establish the full fee burden or automatic closure of positions after cancellation.Source 16 |
| Promotions and AI | No unconditional withdrawable-cash bonus or autonomous AI execution entitlement was established in the reviewed terms. Analytical tools should not be described as having account authority merely because they are available.Source 10Source 13 |
Company and scope of the published conditions
Sections ↑Reference table11
Relationship boundaries
| Item | Terms and practical meaning |
|---|---|
| Service provider | CapTrader GmbH provides the German service described by its imprint. Its own authorisation disclosure and the account provider’s custody and compensation responsibilities are different pieces of evidence.Source 14Source 15 |
| Outside this profile | Separate FNZ savings products, a portfolio manager’s mandate or a non-EEA execution route may have different contracts and charges. The ordinary brokerage conditions should not be copied across those services.Source 1Source 6 |
| Dated comparisons | Some stock-price examples on the website carry older dates. They are identified as illustrations here, rather than being used as proof of a presently cheapest venue or competitor ranking.Source 4 |
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
CapTrader GmbH
GermanySource 14
No separate licence entry is recorded in this panel.
Interactive Brokers Ireland Limited
IrelandSource 15
No separate licence entry is recorded in this panel.
Sources & further reading
- Pre-opening questions, identification and first funding CapTrader — Germany · Accessed 13 Oct 2026
- Account ownership and cash/margin structures CapTrader — Germany · Accessed 13 Oct 2026
- Commission and administrative conditions CapTrader — Germany · Accessed 13 Oct 2026
- Stock commissions, examples and dated comparisons CapTrader — Germany · Accessed 13 Oct 2026
- Published US and European commission examples CapTrader — Germany · Accessed 13 Oct 2026
- FX dealing conditions and EEA product restriction CapTrader — Germany · Accessed 13 Oct 2026
- Trading application and mobile capabilities CapTrader — Germany · Accessed 13 Oct 2026
- Dial-in security, mobile authentication and physical security device CapTrader — Germany · Accessed 13 Oct 2026
- FIX CTCI and account-level connection choices CapTrader — Germany · Accessed 13 Oct 2026
- Risk Navigator and hypothetical portfolio analysis CapTrader — Germany · Accessed 13 Oct 2026
- Availability of annual performance reports CapTrader — Germany · Accessed 13 Oct 2026
- Performance-report scope and relationship to account statements CapTrader — Germany · Accessed 13 Oct 2026
- Account opening and customer service CapTrader — Germany · Accessed 13 Oct 2026
- CapTrader company and supervisory disclosure CapTrader — Germany · Accessed 13 Oct 2026
- IBIE client-asset protection and liquidation controls Interactive Brokers Ireland · Accessed 13 Oct 2026
- Managed-account access CapTrader — Germany · Accessed 13 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.