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

Broker Name

Sofi Active Investing

Swissquote

Broker Overview

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

Market maker

STP

Years of Existence / Established Year

2019

1996

Customer Base / Number of Accounts

6.2+ Million

610,000 accounts

Regulation & Security

Regulations (governing bodies)

SEC, FINRA

FINMA CySEC FCA, DFSA

Awards Won (count for the last 2 years)

No major awards listed

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

9000+ Markets including ETNs

Currency Pairs

Yes

Commodities

Yes

Indices

Yes

Cryptocurrencies

Yes

CFDs

Yes

ETFs

Yes

Stocks

Yes

Options

Yes

Futures

Yes

Bonds

Yes

Mutual Funds

Yes

Fractional Shares

Yes

Exchange Traded Notes (ETNs)

Yes

Precious Metals

Yes

Real Estate Investment Trusts (REITs)

Yes

Equities

Yes

Trading Platforms & Technology

Trading Platform Availability

Yes

MT4

Yes

MT5

Yes

cTrader

Social Trading

Copy Trading

Yes

Other Trading Platforms (proprietary, etc.)

Mobile and Web app

CFXD Swissquote App

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Account Types & Conditions

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

Individual brokerage, IRA (Traditional, Roth, SEP)

Standard Premium Prime Professional

Demo Account (Yes/No)

Yes

Islamic Accounts (Yes/No)

Minimum Deposit

€0

Leverage Available

1:100- 1 : 400

Trade Limit (maximum per trade)

Account Equity < $25,000: No Day Trades

Varies by instrument

Commission (per account type)

€0

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

Passive investors

Beginners

Deposit & Withdrawal Options

Deposit Methods

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

Wire Transfer Credit/ Debit cards

Withdrawal Methods

ACH transfer back to linked bank accounts

Wire Transfer Credit/ Debit cards

Other E-Wallets Supported

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)

AI generated sentiment analylsis Portfolio performance chart Recurring orders & Securities lending Stress test tool, ESG feature

Fees & Commissions

Trading-Related Fees

Stocks, ETFs-$0,Commission -$0

Stocks - 0.1%, ETFs - 0.1%, Options / Futures - 2 Euro per contract, OTC Orders/ Grey market / other markets: 0.50%, minimum 100 currencies, Cryptocurrencies- €25 - 10,000 - 1%, Mutual funds - €24.95 minimum commission

Spread (typical, fixed, variable)

Variable

Per Lot Fees

0.00 pips

Options Contract Fees

$0- $5

€0.85 per transaction

Futures Contract Fees

Markup Fees on Spread

Guaranteed Stop Loss Fees

Maximum Leverage

1:400

Non-Trading Fees

Dormant Fees

$25

Subscription Fees (for premium features, data feeds)

Others- 0.25%Mutual funds - 0.5%

Advisory Fees

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

€0

Swap Fees (Overnight Financing)

Yes

Statement or Document Fee

$5 paper statement fee

EUWAX Market - 0.1%

Account Opening Fee

€0

Account Maintenance Fee

Quarterly Custody Fees for Cash Asset 0 to 50,000 CHF - 20 CHFAccount fees for precious metal account balances - 0.25%

Deposit Fee

Bank / Post wire transfer - Free Crediting of cheques - 30 CHF Card deposits - 1.9% (Switzerland & Europe)/0% rest

Currency Conversion Fee

UK - 0.5%

Withdrawal Fee

Outgoing ACAT transfers $100

Wire transfer - Payment fees changes based on currency

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

Forex Opening Hours: 8:00 - 18:00 CET. Monday to FridayForex dealing desk Opening hours: From 23:00 Sunday to 23:00 Friday CET

Customer Support

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

Monday - Friday 5am-5pm PT

8:00 - 22:00 CET Monday to Friday

Customer Support Methods (phone, email, live chat)

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

Phone: +41 44 825 88 88 Forex: +41 44 825 87 87 E-mail: [email protected] Forex dealing desk: +41 22 999 94 76

Support Languages

Additional Information

Headquarters Location

San Francisco, California.

Chemin de la Cretaux 33 P.O. Box 1032 1196 Gland

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, Swissquote includes some charges for premium features and certain asset trades, making Sofi Active Investing the better option for budget-focused traders.

Sofi Active Investing uses a digital-first onboarding approach with clear instructions and fast ID verification. Swissquote goes a step further with manual checks and optional account tiers, ideal for serious professionals.

Traders who value simplicity and execution speed may prefer Sofi Active Investing platform. Meanwhile, Swissquote offers more flexibility through tools like advanced order types and multi-screen support.

Sofi Active Investing caters to serious traders who value advanced features, whereas Swissquote appeals to beginners due to its user-friendly platform.

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