Sofi Active Investing vs Pepperstone : Fees, Safety & Trading Conditions Compared (2026)

Broker Name

Sofi Active Investing

Pepperstone

Broker Overview

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

Market maker

ECN broker

Years of Existence / Established Year

2019

2010

Customer Base / Number of Accounts

6.2+ Million

400,000 traders

Regulation & Security

Regulations (governing bodies)

SEC, FINRA

FCA, ASIC, DFSA, CySEC, CMA, BaFin, and SCB

Awards Won (count for the last 2 years)

No major awards listed

2024 Forex Broker of the Year by BrokerWahl.de, TradingView Social Champion 2023

Security Measures

SIPC

FSCS

SSL Encryption / 2FA

Yes

Segregated Funds

Yes

Negative Balance Protection

Yes

Trading Instruments/Products Offered

Assets Types / Trading Instruments (total count and breakdown)

IPO, IRA, Shares

1200+ trading assets including shares, currencies indices

Currency Pairs

Yes

Commodities

Yes

Indices

Yes

Cryptocurrencies

Yes

CFDs

Yes

ETFs

Yes

Stocks

Yes

Options

Yes

Futures

Bonds

Mutual Funds

Yes

Fractional Shares

Yes

Exchange Traded Notes (ETNs)

Precious Metals

Real Estate Investment Trusts (REITs)

Equities

Trading Platforms & Technology

Trading Platform Availability

Yes

MT4

Yes

MT5

Yes

cTrader

Yes

Social Trading

Yes

Copy Trading

Yes

Other Trading Platforms (proprietary, etc.)

Mobile and Web app

Pepperstone proprietary platform

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Account Types & Conditions

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

Individual brokerage, IRA (Traditional, Roth, SEP)

Standard and Razor account

Demo Account (Yes/No)

Yes

Islamic Accounts (Yes/No)

Yes

Minimum Deposit

Leverage Available

1:20 to 1:500

Trade Limit (maximum per trade)

Account Equity < $25,000: No Day Trades

100 lots trading size

Commission (per account type)

Razor account - $3, Standard account -$0

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

Passive investors

Beginner to experienced traders

Deposit & Withdrawal Options

Deposit Methods

Bank transfers (ACH), direct deposit from linked bank accounts

Credit/debit card, Bank transfer, e-wallets, Union pay, USDT

Withdrawal Methods

ACH transfer back to linked bank accounts

Credit/debit card, Bank transfer, e-wallets, Union pay, USDT

Other E-Wallets Supported

Neteller,skrill, PayPal

Tools & Educational Resources

Economic Calendar

Yes

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

Learn (Investing Education), Market Insights and Analysis, Webinars, Investing Guides, Financial Planning Tools, Sofi Insights (Market News)

Trading Education Online Courses, Market Analysis and Insights, Webinars, Trading Guides and eBooks, Video Tutorials, The Daily Fix Market News and Analysis, Pepperstone Blog Trading Insights

Fees & Commissions

Trading-Related Fees

Stocks, ETFs-$0,Commission -$0

Spread-1.2 pips

Spread (typical, fixed, variable)

Variable

Per Lot Fees

Razor account: $3.50 per lot, Raw account: $7 per lot, cTrader:$6 round trip per unit, TradingView: $7 roundtrip per unit

Options Contract Fees

$0- $5

Futures Contract Fees

Markup Fees on Spread

1 pip on FX pairs

Guaranteed Stop Loss Fees

Charges apply

Maximum Leverage

1:500

Non-Trading Fees

Dormant Fees

$25

Subscription Fees (for premium features, data feeds)

Advisory Fees

Depending on assets type, Professional charges- 1% , annual advisory fees as low as 0.25%

Swap Fees (Overnight Financing)

Yes

Statement or Document Fee

$5 paper statement fee

Account Opening Fee

Account Maintenance Fee

Deposit Fee

Currency Conversion Fee

Razor Account- $29.36, Standard Account - $48.12, Swap-free Account $58.78

Withdrawal Fee

Outgoing ACAT transfers $100

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)

Depends on the instrument offer

VIX 00:01 - 23:59 (Opens Monday 01:00; Friday close 23:55), NAS100 01:00 - 23:15, 23:30 - 23:59 (Closes Friday 23:55), HK Share CFDs 4:30-7:00, 8:00-11:00, US Share CFDs 16:31 - 22:55

Customer Support

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

Monday - Friday 5am-5pm PT

24/7

Customer Support Methods (phone, email, live chat)

Live chat, Phone: 855-456-7634, Virtual assistant

Phone: +1786 628 1209, Email: [email protected], Live chat

Support Languages

Additional Information

Headquarters Location

San Francisco, California.

Melbourne, Australia

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.

While Sofi Active Investing maintains low trading fees with no minimum deposit, Pepperstone includes some charges for premium features and certain asset trades, making Sofi Active Investing the better option for budget-focused traders.

New users will likely find Sofi Active Investing sign-up process more intuitive. Meanwhile, Pepperstone takes a more regulated path to onboarding, which could benefit traders seeking high capital limits and detailed agreements.

Sofi Active Investing excels in real-time trade execution with minimal latency, whereas Pepperstone complements its execution with strong analytical modules and educational support within the platform.

Sofi Active Investing delivers a robust ecosystem for seasoned traders, whereas Pepperstone focuses on ease of access and modern usability.

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