Is Your Money Safe? The Capital.com Withdrawal Mystery Revealed

Abstract

Are you trading with Capital.com? You need to read this report immediately.

While this broker holds licenses in top jurisdictions, a disturbing pattern has emerged in our complaints center. Ordinary investors are reporting that their accounts are being frozen, withdrawals are being rejected, and—most alarmingly—users are being asked to pay more money just to get their own funds back. This report breaks down the facts, the regulatory cracks, and the stories of victims who are fighting to recover their savings.

Introduction

At WikiFX, our mission is simple: we fight for the safety of your hard-earned money. We know that for many families in Africa, investment funds represent school fees, home savings, or retirement plans.

Recently, our Exposure Center has received a surge of serious complaints regarding the broker Capital.com. Despite having a high influence ranking, the user experience tells a different story.

Important Note: All cases and stories in this report are based on real records submitted to WikiFX. To protect the privacy and dignity of the victims, we have hidden their names and locations, referring to them simply as “Investors.”

Data and Methodology

This investigation is based on data gathered by the WikiFX System.

• Broker Name: Capital.com
• Complaint Period: The majority of huge complaints analyzed here occurred between May 2025 and November 2025.
• Total Complaints in 3 Months: 28 severe complaints recorded.

Regulatory Check: The Good, The Bad, and The Revoked

A license is a permit to operate. If a license is “Revoked,” it means the government has taken that permit away, usually due to rule violations.

According to WikiFX data, Capital.com has a mix of strong licenses and cancelled ones. You must look at the entire list below to understand the risk.

Investigators Note: While they have top-tier licenses (like UK and Australia), the fact that licenses in Seychelles and Belarus were revoked, and Malaysia has issued a warning, shows inconsistency. Investors often don't know which license covers their specific account.

Risk Timeline: Pattern of Behavior

By looking at the dates of the complaints, we can see a clear pattern of declining service.

Voices of the Victims

We have grouped the 28+ complaints into three main “traps” that investors are falling into.

Trap 1: Pay More to Withdraw

This is the most concerning behavior. A legitimate broker should simply deduct fees from your balance. They should never ask you to transfer new money from your bank to “unlock” a withdrawal.

The Story:

In November 2025, an Investor reported a nightmare scenario. They had over $13,122 in their account. When they tried to withdraw, Capital.com allegedly told them their “turnover” (trading volume) was too low. The solution? The broker demanded the user pay a “margin” deposit equal to 100% of their funds.

The user, desperate to get their money, actually paid the $13,122. But it didn't end there. The broker then demanded another $5,000, threatening to permanently freeze the account if they didn't pay within 15 days. Another user reported a similar demand on November 14, 2025, being asked to pay 5,000 USDT to clear a “money laundering” suspicion.

User Quote: “Basically, they won't let me withdraw... require me to pay margin continuously... simply waiting to freeze my account.”

The Impact:

Imagine the panic of a family that borrows money to pay the “fee,” thinking it will release their savings, only to be asked for more. This is a financial black hole.

Trap 2: The “Verification Loop” Nightmare

In these cases, the broker doesn't say “no”—they just say “not yet.” They use endless bureaucracy to delay paying you.

The Story:

An Investor from May 2025 had their account fully verified when they opened it. They made profits legitimately. However, when they tried to withdraw, the broker demanded a “Source of Funds” (SOF) document. The investor provided bank statements and documents from another reputable broker. Capital.com rejected them all without a clear reason.

Another victim in August 2025 submitted their ID and Passport multiple times. They were told to wait, but the withdrawal remained unapproved for weeks.

The Impact:

This technique wears the investor down. After weeks of emailing back and forth, many people simply give up, leaving their money with the broker.

Trap 3: Accounts Frozen and Funds Vanished

Some investors reported that the money was deducted from their trading account (so the balance showed 0), but it never arrived in their bank account.

The Story:

On July 31, 2025, an investor requested to withdraw $18,523. The trading platform (MT4) showed the money was taken out. However, Capital.com refused to transfer the actual cash. The user was accused of “abnormal trading” simply because they made a profit.

The Impact:

This is theft by silence. The dashboard says the money is gone, the bank says nothing arrived, and customer support stops replying.

Analysis: The “Deposit Wall” Tactic

Based on these complaints, our investigative team suspects Capital.com may be using a tactic known as a “Deposit Wall.”

1. The Lure: You deposit and trade normally.
2. The Block: When you try to take money out, the system flags a fake error (like “Insufficient Turnover” or “Money Laundering verification”).
3. The Trap: They ask you to deposit more funds to “verify” the account.
4. The Ghost: Once you run out of money to deposit, they stop replying.

WikiFX Action: We have attempted to contact Capital.com regarding these specific restrictions and the revoked Seychelles/Belarus licenses. As of the publication of this article, we have not received a satisfactory explanation.

FAQ and Protection

Q: I cannot withdraw my money from Capital.com. What should I do?

• Step 1: Stop depositing immediately. Do not believe any agent who says paying more will “unlock” your account.
• Step 2: Keep screenshots of all chat logs, transaction histories, and error messages.
• Step 3: File a complaint on the WikiFX App immediately. We have a “Mediation” service that helps users negotiate with brokers.

Q: Can “hackers” on social media help me get my money back?

NO. There are many criminals on Instagram and Facebook claiming they can “recover” lost funds. These are Recovery Scams. They will ask for a fee and steal even more from you. Only trust legal channels and recognized platforms like WikiFX.

Risk Warning

WikiFX Warning: Forex and CFD trading involves significant risk to your invested capital. The data showing revoked licenses and recent severe complaints against Capital.com suggests a high level of risk.

Always check the latest “WikiFX Score” and regulatory status on the WikiFX App before making any deposit. If a broker asks for a “security deposit” to allow a withdrawal, it is a major red flag.