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

Broker Name

Fidelity

Fidelity

VS
Trading.com

Trading.com

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Broker Overview

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

STP broker

None

Years of Existence / Established Year

1946

2019

Customer Base / Number of Accounts

51.4 million

Info not available


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Regulation & Security

Regulations (governing bodies)

SEC, MSRB, FINRA

NFA CFTC FCA

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

Fastest growing FX broker (USA) by World Finance Forex Awards 2024

Security Measures

FDIC , SIPC

Info not available

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

Forex 50+ CFDs of Stocks 1000+

Currency Pairs

No

Yes

Commodities

No

Yes

Indices

No

Yes

Cryptocurrencies

Yes

No

CFDs

No

Yes

ETFs

Yes

Yes

Stocks

Yes

Yes

Options

Yes

Yes

Futures

No

Yes

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

Yes


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Trading Platforms & Technology

Trading Platform Availability

Yes

Yes

MT4

No

No

MT5

No

Yes

cTrader

No

No

Social Trading

No

No

Copy Trading

No

No

Other Trading Platforms (proprietary, etc.)

Trading dashboard, Fidelity mobile, Active Trader Pro

Web Trader App

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)

The T1 account

Demo Account (Yes/No)

Yes

Yes

Islamic Accounts (Yes/No)

No

No

Minimum Deposit

$0

$50

Leverage Available

No

1:50

Trade Limit (maximum per trade)

Depends on assets class

Trade size vary on each asset

Commission (per account type)

$0

Only spreads

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

Beginners and experienced traders

Beginners & experienced


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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 ACH

Withdrawal Methods

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

ACH Bank wire transfer

Other E-Wallets Supported

Venmo or PayPal

No


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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

Video tutorials Glossary Forex calculators Research portals


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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

$0

Futures Contract Fees

NA

$0

Markup Fees on Spread

NA

NA

Guaranteed Stop Loss Fees

NA

NA

Maximum Leverage

No

1:50


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Non-Trading Fees

Dormant Fees

$0

$0

Subscription Fees (for premium features, data feeds)

NA

$0

Advisory Fees

NA

NA

Swap Fees (Overnight Financing)

NA

$0

Statement or Document Fee

NA

$0

Account Opening Fee

$0

$0

Account Maintenance Fee

$0

$0

Deposit Fee

$0

$13 for bank wire deposit under $250

Currency Conversion Fee

$50/ per trade

$0

Withdrawal Fee

Wire transfer-$3

$13 for bank wire deposit under $250 ACH withdrawals free


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Bonuses, Promotions & Benefits

Bonuses, Promotions, and Referrals

No

Yes

Customer Benefits (e.g., Retirement Plan)

Yes

Yes


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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.

Sunday 17:05 - Friday 16:50 ETTokyo session begins at 19:00 ET London session begins at 03:00 ET New York session begins at 08:00 ET


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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

24/5 support service

Customer Support Methods (phone, email, live chat)

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

Live chat Email: [email protected] Tel: 1-833-FX1-0250

Support Languages

2

1


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Additional Information

Headquarters Location

Boston, MA

85, Broad street, New York, NY 10004, USA

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, Trading.com fee structure, though slightly higher, covers a broader range of services, making it more suitable for active traders.
Fidelity makes starting out easy with a simple application, especially for retail clients. Trading.com platform, while requiring more effort to join, allows experienced traders to customize their accounts from the start.
Fidelity excels in real-time trade execution with minimal latency, whereas Trading.com complements its execution with strong analytical modules and educational support within the platform.
If you're after professional-grade platforms, Fidelity may be ideal. For casual investors, Trading.com offers a low-barrier entry.