Fidelity vs FXCM : Fees, Safety & Trading Conditions Compared (2026)

Broker Name

Fidelity

FXCM

Broker Overview

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

STP broker

Market maker

Years of Existence / Established Year

1946

1999

Customer Base / Number of Accounts

51.4 million

No information

Regulation & Security

Regulations (governing bodies)

SEC, MSRB, FINRA

FCA, CySEC, ASIC, FSCA, ISA

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 In Class 2024 - ForexBrokers.com

Security Measures

FDIC , SIPC

FSCS

SSL Encryption / 2FA

Yes

Segregated Funds

Yes* Restriction for some clients

Yes

Negative Balance Protection

Yes

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

10,000+ trading instruments shares

Currency Pairs

Yes

Commodities

Yes

Indices

Yes

Cryptocurrencies

Yes

CFDs

Yes

ETFs

Yes

Stocks

Yes

Options

Yes

Futures

Bonds

Yes

Mutual Funds

Yes

Fractional Shares

Yes

Exchange Traded Notes (ETNs)

Precious Metals

Yes

Real Estate Investment Trusts (REITs)

Equities

Yes

Trading Platforms & Technology

Trading Platform Availability

Yes

MT4

Yes

MT5

cTrader

Social Trading

Yes

Copy Trading

Yes

Other Trading Platforms (proprietary, etc.)

Trading dashboard, Fidelity mobile, Active Trader Pro

Trading station, Trading View Pro

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

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)

Standard, Active trading, Spread betting, Professional

Demo Account (Yes/No)

Yes

Islamic Accounts (Yes/No)

Yes

Minimum Deposit

$50

Leverage Available

30:1 to 1000:1

Trade Limit (maximum per trade)

Depends on assets class

50 million per trade

Commission (per account type)

$ 4 / lot

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

Beginners and experienced traders

Active and experienced traders

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

Debit/Credit Card Via mobile app, Bank wire, China online payment, Crypto

Withdrawal Methods

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

Debit/Credit Card, Bank Wire, Local Bank Transfer, and Online Bank Transfer.

Other E-Wallets Supported

Venmo or PayPal

Skrill, Neteller, Google pay, Apple pay

Tools & Educational Resources

Economic Calendar

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

Education, Trading Guides, Trading Tools, Research

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

Spread- 1.3 pips

Spread (typical, fixed, variable)

Typical

Per Lot Fees

Options Contract Fees

$0.65/ Contract fee

Futures Contract Fees

Markup Fees on Spread

Guaranteed Stop Loss Fees

Maximum Leverage

1000:1

Non-Trading Fees

Dormant Fees

$50

Subscription Fees (for premium features, data feeds)

Advisory Fees

$30

Swap Fees (Overnight Financing)

Statement or Document Fee

Account Opening Fee

Account Maintenance Fee

$25

Deposit Fee

Currency Conversion Fee

$50/ per trade

Withdrawal Fee

Wire transfer-$3

Bonuses, Promotions & Benefits

Bonuses, Promotions, and Referrals

Yes

Customer Benefits (e.g., Retirement Plan)

Yes

Trading Hours

Trading Hours (for each asset class if applicable)

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

Varies by product

Customer Support

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

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

24/5

Customer Support Methods (phone, email, live chat)

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

WhatsApp: +44 7537 432259 (message only), Email: [email protected], Live chat, Request a call

Support Languages

Additional Information

Headquarters Location

Boston, MA

London, United Kingdom

Complaints (for crypto brokers)

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, FXCM fee structure, though slightly higher, covers a broader range of services, making it more suitable for active traders.

If speed and simplicity matter to you, Fidelity delivers a streamlined account setup. In contrast, FXCM includes more documentation and KYC checks, which can delay access but ensures strong compliance.

The trading interface of Fidelity is known for its speed and ease-of-use, while FXCM shines with its customizable layouts and advanced charting capabilities, making it a strong choice for serious analysts.

If you're after professional-grade platforms, Fidelity may be ideal. For casual investors, FXCM offers a low-barrier entry.

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