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Fidelity vs NinjaTrader : Fees, Safety & Trading Conditions Compared (2026)
Broker Name
Fidelity
NinjaTrader
Broker Overview
Broker Type (e.g., Market Maker, ECN/STP)
STP broker
ECN/STP
Years of Existence / Established Year
1946
2003
Customer Base / Number of Accounts
51.4 million
1.5M
Regulation & Security
Regulations (governing bodies)
SEC, MSRB, FINRA
CFTC NFA
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
Leading Broker in TASC's 2024 Readers' Choice Awards 2024 Great Place to Work Best Brokerage for Trading Futures at Benzinga Global Fintech Awards 2023
Security Measures
FDIC , SIPC
SIPC & FSCS
SSL Encryption / 2FA
Yes
Yes
Segregated Funds
Yes* Restriction for some clients
Yes
Negative Balance Protection
No
No
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
115+ trading instruments
Currency Pairs
No
No
Commodities
No
Yes
Indices
No
Yes
Cryptocurrencies
Yes
Yes
CFDs
No
Yes
ETFs
Yes
Yes
Stocks
Yes
Yes
Options
Yes
Yes
Futures
No
Yes
Bonds
Yes
Yes
Mutual Funds
Yes
No
Fractional Shares
Exchange Traded Notes (ETNs)
No
No
Precious Metals
No
Yes
Real Estate Investment Trusts (REITs)
No
Yes
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
Yes
Other Trading Platforms (proprietary, etc.)
Trading dashboard, Fidelity mobile, Active Trader Pro
Ninjatrader 8
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)
Free Plan Lifetime Plan Monthly Plan
Demo Account (Yes/No)
Yes
Yes
Islamic Accounts (Yes/No)
No
No
Minimum Deposit
$0
$0
Leverage Available
No
No
Trade Limit (maximum per trade)
Depends on assets class
Depends on assets type
Commission (per account type)
$0
Free- $0.35 per micro and $1.29 per standard, Monthly- $0.25 per micro and $0.99 per standard, Lifetime- $.09 per micro contract and $0.59 per standard
Best Suited For (e.g., beginners, experienced traders)
Beginners and experienced traders
Beginners & experienced
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
ACH Transfer Debit Card Wire Transfer / SEPA By Check
Withdrawal Methods
Electronic funds transfer (EFT), Bank wire, Paper check, Paper bill varies by account types
Bank Transfer
Other E-Wallets Supported
Venmo or PayPal
No
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 Learning tools Technical analysis
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
$.05 to $.25 per contract
Spread (typical, fixed, variable)
NA
variable
Per Lot Fees
NA
NA
Options Contract Fees
$0.65/ Contract fee
$0.25 per contract (order routing fees)
Futures Contract Fees
NA
$0.29 to $.85
Markup Fees on Spread
NA
Variable
Guaranteed Stop Loss Fees
NA
NA
Maximum Leverage
No
NA
Non-Trading Fees
Dormant Fees
$0
$25 monthly
Subscription Fees (for premium features, data feeds)
NA
Volume Indicators - $59 Data Fees - $4 per exchange Multi-License broker - $99
Advisory Fees
NA
NA
Swap Fees (Overnight Financing)
NA
$50
Statement or Document Fee
NA
NA
Account Opening Fee
$0
Free Plan - $0 Monthly Plan - $99 Lifetime Plan - $1499
Account Maintenance Fee
$0
NA
Deposit Fee
$0
ACH - Free Domestic Wire Transfer - $30
Currency Conversion Fee
$50/ per trade
1% of currency converted, minimum 10 units of currency sold
Withdrawal Fee
Wire transfer-$3
$0
Bonuses, Promotions & Benefits
Bonuses, Promotions, and Referrals
No
Yes
Customer Benefits (e.g., Retirement Plan)
Yes
Yes
Trading Hours
Trading Hours (for each asset class if applicable)
Premarket session -7:00 a.m. to 9:28 a.m. ET.
Depends on the assets type
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
Emergency trade desk: 312.423.2234 General inquiries: 1.800.496.1683 Fax: 312.329.9888 Email: mailto:[email protected] , Live chat
Support Languages
2
1
Additional Information
Headquarters Location
Boston, MA
222 N LaSalle Street Suite 1450, Chicago, IL 60601
Complaints (for crypto brokers)
No
No
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