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Fidelity vs Capital.com : Fees, Safety & Trading Conditions Compared (2026)

Broker Name

Fidelity

Fidelity

VS
Capital.com

Capital.com

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Broker Overview

Broker Type (e.g., Market Maker, ECN/STP)

STP broker

Market maker

Years of Existence / Established Year

1946

2016

Customer Base / Number of Accounts

51.4 million

660k


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Regulation & Security

Regulations (governing bodies)

SEC, MSRB, FINRA

CySEC, ASIC, FCA, MiFID, SCB

Awards Won (count for the last 2 years)

Best Online Broker for Beginning Investors 2024, Rated #1 for Overall Broker 2024, Best Online Broker 2023

Best Overall Trading Platform (Online Money Awards 2024) and Best Trading App 2023 (Good Money Guide), Fastest Growing Broker

Security Measures

FDIC , SIPC

AML

SSL Encryption / 2FA

Yes

Yes

Segregated Funds

Yes* Restriction for some clients

Yes

Negative Balance Protection

No

Yes


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Trading Instruments/Products Offered

Assets Types / Trading Instruments (total count and breakdown)

10000+ mutual funds including fixed income, CDs, Annuities, life insurance, long-term Care Planning, 529 Plans IRAs, Health Savings Account

3000+ assets including shares, ESG

Currency Pairs

No

Yes

Commodities

No

Yes

Indices

No

Yes

Cryptocurrencies

Yes

Yes

CFDs

No

Yes

ETFs

Yes

Yes

Stocks

Yes

No

Options

Yes

No

Futures

No

No

Bonds

Yes

No

Mutual Funds

Yes

No

Fractional Shares

Yes

No

Exchange Traded Notes (ETNs)

No

No

Precious Metals

No

Yes

Real Estate Investment Trusts (REITs)

No

No

Equities

Yes

No


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Trading Platforms & Technology

Trading Platform Availability

Yes

Yes

MT4

No

Yes

MT5

No

No

cTrader

No

No

Social Trading

No

Yes

Copy Trading

No

Yes

Other Trading Platforms (proprietary, etc.)

Trading dashboard, Fidelity mobile, Active Trader Pro

Mobile apps, CFD trading App, Capital.com API

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Yes


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Account Types & Conditions

Account Types (Retail, Pro, VIP, etc.)

Fidelity® Cash Management Account., The Fidelity Account, Individual Retirement Account (IRA), 529 College Savings Account., Fidelity HSA, Custodial Account (UGMA/UTMA)

CFD Live, MTA account, CFD corporate account, Individual account-Retail, professional account

Demo Account (Yes/No)

Yes

Yes

Islamic Accounts (Yes/No)

No

No

Minimum Deposit

$0

20 EUR / USD / GBP

Leverage Available

No

2:1- 30:1

Trade Limit (maximum per trade)

Depends on assets class

$25,000

Commission (per account type)

$0

$0

Best Suited For (e.g., beginners, experienced traders)

Beginners and experienced traders

Beginners to experienced traders


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Deposit & Withdrawal Options

Deposit Methods

ATM/debit card, Deposits eligible for FDIC insurance, Cash Manager, Fidelity Mobile, Bill Pay, Check writing, Automatic investments, Automatic withdrawals, Direct deposit, Electronic funds transfer (EFT), e-wallets

Bank transfer, Bank cards, Pay ID, e-wallets

Withdrawal Methods

Electronic funds transfer (EFT), Bank wire, Paper check, Paper bill varies by account types

Bank cards, e-wallets

Other E-Wallets Supported

Venmo or PayPal

Apple Pay, Google pay, PayPal, Neteller, Skrill, Sofort, PRZELEWY, Truelayer, Ideal, Trustly, SPEI, Lean, Volt


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Tools & Educational Resources

Economic Calendar

No

Yes

Tools & Educational Resources (tutorials, webinars, market news, etc.)

Research and Tools, Investment Education, Webinars and Online Courses, Market News and Insights, Retirement and Planning Tools

For trading beginners- Trading Essentials, Risk management, Market guides, For experienced traders- Trading Strategies, Technical analysis, Market analysis, Trading Psychology


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Fees & Commissions

Trading-Related Fees

Commission for U.S stocks, ETFs, Options- $0, Mutual funds- $49.95, Crypto spread- 1.0 pip, Margin liquidation -$32.95 per liquidation, Stock certificate transfer and ship $10 Per Certificate

Commission: $0

Spread (typical, fixed, variable)

NA

Variable

Per Lot Fees

NA

NA

Options Contract Fees

$0.65/ Contract fee

NA

Futures Contract Fees

NA

NA

Markup Fees on Spread

NA

NA

Guaranteed Stop Loss Fees

NA

GSL fee value will be displayed on the deal ticket

Maximum Leverage

No

30:1


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Non-Trading Fees

Dormant Fees

$0

$0

Subscription Fees (for premium features, data feeds)

NA

NA

Advisory Fees

NA

NA

Swap Fees (Overnight Financing)

NA

NA

Statement or Document Fee

NA

NA

Account Opening Fee

$0

$0

Account Maintenance Fee

$0

NA

Deposit Fee

$0

0.7% of the spot forex rate

Currency Conversion Fee

$50/ per trade

$0

Withdrawal Fee

Wire transfer-$3

$0


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Bonuses, Promotions & Benefits

Bonuses, Promotions, and Referrals

No

Yes

Customer Benefits (e.g., Retirement Plan)

Yes

No


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Trading Hours

Trading Hours (for each asset class if applicable)

Premarket session -7:00 a.m. to 9:28 a.m. ET.

opens at 9.30am and closes at 4pm local time (2.30pm-9pm London time)


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Customer Support

Support Hours (e.g., 24/7, weekdays only)

8:30 a.m. - 8:30 p.m. ET , Monday- Friday

24/7

Customer Support Methods (phone, email, live chat)

Phone: 800-343-0860, 800-835-5095, Live chat, Login for personalized help, FAQs

Live chat, Phone: +61 3 8658 0539, E-mail: [email protected]

Support Languages

2

10+


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Additional Information

Headquarters Location

Boston, MA

Limassol, Cyprus

Complaints (for crypto brokers)

No

No


At TradingCritique, we don't just list brokers. We test, compare, and simplify your decision-making. Whether you're a beginner or a pro, our data-driven comparisons are built to match your trading style and region. Learn how we Evaluate a broker.
Fidelity is known for competitive pricing on basic trades, especially for beginners. However, Capital.com fee structure, though slightly higher, covers a broader range of services, making it more suitable for active traders.
Account approval at Fidelity is usually completed within hours, often with automated ID checks. Capital.com might take longer due to manual reviews, but provides in-depth onboarding support along the way.
Traders who value simplicity and execution speed may prefer Fidelity platform. Meanwhile, Capital.com offers more flexibility through tools like advanced order types and multi-screen support.
Fidelity delivers a robust ecosystem for seasoned traders, whereas Capital.com focuses on ease of access and modern usability.