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Fidelity vs XTB : Fees, Safety & Trading Conditions Compared (2026)
Broker Name
Fidelity
XTB
Broker Overview
Broker Type (e.g., Market Maker, ECN/STP)
STP broker
Market maker
Years of Existence / Established Year
1946
2002
Customer Base / Number of Accounts
51.4 million
2 Million
Regulation & Security
Regulations (governing bodies)
SEC, MSRB, FINRA
FCA, KNF, CySEC, DFSA, BaFin, FSCA, and FSC.
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 for low cost ISA 2025, Best CFD Broker of 2025, Europe's fastest growing company 2025, Highly Recommended Finder Awards 2024,
Security Measures
FDIC , SIPC
FSCS
SSL Encryption / 2FA
Yes
Yes
Segregated Funds
Yes* Restriction for some clients
Yes
Negative Balance Protection
No
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
11400+ trading instruments, including an investment plan
Currency Pairs
No
Yes
Commodities
No
Yes
Indices
No
Yes
Cryptocurrencies
Yes
Yes
CFDs
No
Yes
ETFs
Yes
Yes
Stocks
Yes
Yes
Options
Yes
No
Futures
No
No
Bonds
Yes
No
Mutual Funds
Yes
No
Fractional Shares
Exchange Traded Notes (ETNs)
No
No
Precious Metals
No
Yes
Real Estate Investment Trusts (REITs)
No
No
Equities
Yes
Yes
Trading Platforms & Technology
Trading Platform Availability
Yes
Yes
MT4
No
No
MT5
No
No
cTrader
No
No
Social Trading
No
Copy Trading
No
No
Other Trading Platforms (proprietary, etc.)
Trading dashboard, Fidelity mobile, Active Trader Pro
X station
Platform Compatibility (Windows, Mac, iOS, Android)
Yes
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)
Standarad, Professional
Demo Account (Yes/No)
Yes
Yes
Islamic Accounts (Yes/No)
No
Yes
Minimum Deposit
$0
$0
Leverage Available
No
1:2 to 1:500
Trade Limit (maximum per trade)
Depends on assets class
Depends on assets class
Commission (per account type)
$0
$0
Best Suited For (e.g., beginners, experienced traders)
Beginners and experienced traders
Beginners to 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
bank transfers, credit and debit cards, e-wallets
Withdrawal Methods
Electronic funds transfer (EFT), Bank wire, Paper check, Paper bill varies by account types
bank transfers, credit and debit cards, e-wallets
Other E-Wallets Supported
Venmo or PayPal
Skrill, Neteller
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
Educational Articles and Market Articles
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 0.1 to 0.8 pips, Stock transfer fee- USD 25, ETF commission- 0.2%
Spread (typical, fixed, variable)
NA
Variable
Per Lot Fees
NA
0.08% per lot, or 0.16% per round turn
Options Contract Fees
$0.65/ Contract fee
NA
Futures Contract Fees
NA
NA
Markup Fees on Spread
NA
NA
Guaranteed Stop Loss Fees
NA
NA
Maximum Leverage
No
(1:500)
Non-Trading Fees
Dormant Fees
$0
Charges apply 12 months of inactivity
Subscription Fees (for premium features, data feeds)
NA
NA
Advisory Fees
NA
0% advisory fee for cash-enhanced portfolio, 0.30% annual advisory fee for market-focused portfolio, 0.75-0.85% annual advisory fee for personal advice
Swap Fees (Overnight Financing)
NA
No
Statement or Document Fee
NA
$0
Account Opening Fee
$0
$0
Account Maintenance Fee
$0
$0
Deposit Fee
$0
$0- Bank transfer, Visa, Mastercard, or Maestro, 2% fee for deposits via Skrill.
Currency Conversion Fee
$50/ per trade
0.50%
Withdrawal Fee
Wire transfer-$3
$0 - above $50, £5 or $20 fee for withdrawals below £50 or $50
Bonuses, Promotions & Benefits
Bonuses, Promotions, and Referrals
No
Yes
Customer Benefits (e.g., Retirement Plan)
Yes
No
Trading Hours
Trading Hours (for each asset class if applicable)
Premarket session -7:00 a.m. to 9:28 a.m. ET.
22:00 on Sunday to 21:00 on Friday GMT.
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
Phone: +48 222 739 976, Live chat, E-mail: [email protected]
Support Languages
2
10
Additional Information
Headquarters Location
Boston, MA
Poland
Complaints (for crypto brokers)
No
No
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