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The comparison reads the same evidence fields used by broker profiles, so users can scan scores, regulation, costs, platforms, withdrawals, and caveats side by side.

Broker 1
Broker 2
VS field
AJ Bell

ajbell.co.uk

ETF BrokerMutual Fund PlatformBond
Fidelity

fidelity.com

Stock BrokerETF BrokerETF
Decision summary
Overall score
86
91
Trust score
91
100
Cost score
83
89
Platform score
84
94
Withdrawal score
82
89
Best for
UK residents investing through ISAs, SIPPs and general dealing accounts who value regulated custody, broad fund/share access and simple transparent platform pricing.
Evidence supports Fidelity as a U.S.-focused, highly regulated multi-asset broker for stocks, ETFs, mutual funds, bonds/CDs, options, cash management, managed portfolios, and sepa…
Watch out
Not a CFD/forex/margin broker; leverage and negative-balance-protection fields are not applicable · International dealing incurs FX charges and some markets are phone-only with mi…
Needs verification
Trust & regulation
Regulators
Authorised and regulated by the Financial Conduct Authority (FCA).
Source
Fidelity Brokerage Services LLC is SEC registered and regulated by FINRA; FBS and NFS are members of NYSE and SIPC.
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License numbers
FCA firm reference numbers: 211468, 155593, 774048.
Source
FBS CRD# 7784 / SEC# 8-23292; NFS CRD# 13041 / SEC# 801-50706, 8-26740.
Source
Regulated entities
AJ Bell Management Limited, AJ Bell Securities Limited, AJ Bell Asset Management Limited.
Source
Primary securities brokerage entities are Fidelity Brokerage Services LLC (FBS) and National Financial Services LLC (NFS), each member NYSE/SIPC; advisory and crypto entities differ by product.
Source
Negative balance protection
Not applicable: AJ Bell is an execution-only investment platform/stockbroker, not a CFD/forex margin broker in reviewed sources.
Source
Not applicable/not disclosed as a CFD-style negative balance protection policy; margin trading can create debt/interest obligations.
Source
Investor compensation
FSCS eligible investment protection up to £85,000; cash protection up to £120,000 per banking licence/bank.
Source
SIPC coverage up to $500,000/$250,000 cash plus Fidelity excess SIPC; FDIC sweep coverage may apply to eligible cash programs; important exclusions apply.
Source
Restricted countries
UK residency/tax-residency requirements found for ISA/SIPP; no global availability list found.
Source
U.S.-persons focused; sanctioned countries/prohibited parties restricted; no exhaustive country availability list found.
Source
Costs & account conditions
Minimum deposit
ISA/dealing initial minimum £250; pension initial minimum £500; Direct Debit from £25/month; no future minimum after that.
Source
$0 to open a retail brokerage account; Fidelity states no account minimum and ability to invest with as little as $1; exceptions apply by account/product.
Source
Spread from
Not applicable/not disclosed for execution-only share/fund platform; share trades use quotes and investment-specific market pricing, not broker-advertised spreads.
Source
Not applicable to Fidelity's core U.S. stock/ETF brokerage model; securities trade by exchange/market prices rather than quoted CFD/FX spreads.
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Commission
Commission/dealing charges are fixed per deal rather than percentage commissions for standard online orders.
Source
$0 online U.S. stock and ETF trades; $0 online options commission plus $0.65/contract; other product/service fees apply.
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Maximum leverage
Not applicable: no margin/CFD/forex leverage offering found in reviewed official sources.
Source
No universal maximum leverage ratio disclosed for Fidelity retail brokerage; margin borrowing is available subject to approval and margin requirements/rates rather than a single max leverage figure.
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Deposit fee
No standard deposit fee disclosed; Cash savings hub explicitly no charge for depositing.
Source
$0 Fidelity fee for EFT and Fidelity does not charge wire fees; external banks may charge.
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Withdrawal fee
Free withdrawals for ISA/dealing and SIPP drawdown; LISA/SIPP rules may restrict access.
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$0 Fidelity fee for EFT and domestic bank wire withdrawals; foreign exchange wire up to 3% of principal; receiving bank may charge.
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Inactivity fee
No inactivity fee found in reviewed official charges pages; mark not disclosed rather than zero.
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No explicit inactivity-fee line found in official fee schedule; official account pages state no retail brokerage account fees/no account or subscription fees. Treat as needs manual confirmation before publishing as '$0 inactivity fee'.
Source
Markets, platforms & payments
Tradable assets
Shares, funds, ETFs, investment trusts, bonds/gilts, ETCs, warrants, VCTs/IPOs/new issues.
Source
Stocks, ETFs, mutual funds, options, crypto, fixed income, bonds and CDs; Fidelity says stocks include domestic and international.
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Trading platforms
Web platform and AJ Bell mobile app.
Source
Fidelity.com, Fidelity mobile app, Fidelity Trader+ Web/Desktop/Mobile mode, and legacy Active Trader Pro Classic.
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Account types
Stocks & shares ISA, Lifetime ISA, Junior ISA, SIPP, Ready-made pension, Junior SIPP, Dealing account, Cash savings hub.
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Broad account menu including taxable brokerage, retirement/IRA, cash management, HSA, custodial/youth, education, trust/business, managed and crypto accounts.
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Deposit methods
Instant bank transfer, debit card, Direct Debit, faster payments for cash savings, employer SIPP contributions by cheque or Direct Debit.
Source
EFT/ACH, bank wire, check/mobile check, direct deposit, recurring deposit, Fidelity-to-Fidelity/account transfer, transfer of assets, and eligible payment apps.
Source
Withdrawal methods
Online withdrawal to registered bank account for ISA/dealing; regular cash withdrawal form; product-specific pension/LISA/cash-savings rules.
Source
EFT/ACH, bank wire, paper check, Fidelity-to-Fidelity transfers, third-party/person-to-person transfers and eligible debit card/ATM access.
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Withdrawal processing time
1-3 working days for ISA/dealing withdrawals.
Source
EFT withdrawals 1-3 business days; bank wire same day if submitted by 4 p.m. ET; paper check about 5-6 days.
Source

BrokerVS provides broker comparison research only. Scores and evidence can vary by country, account type, and legal entity; users should verify source links before opening an account.