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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 |  |  |
|---|---|---|
Decision summary | ||
| Overall score | 89 | 91 |
| Trust score | 90 | 100 |
| Cost score | 94 | 89 |
| Platform score | 94 | 94 |
| Withdrawal score | 86 | 89 |
| Best for | Strong low-cost multi-asset and CFD broker, but regional/entity differences are material: leverage, NBP, investor compensation, fees and country acceptance must be rendered per ju… | 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 | Needs verification | Needs verification |
Trust & regulation | ||
| Regulators | FSC Belize, KNF Poland, FCA UK, CNMV Spain and CySEC Cyprus are disclosed across official XTB pages. Source | Fidelity Brokerage Services LLC is SEC registered and regulated by FINRA; FBS and NFS are members of NYSE and SIPC. Source |
| License numbers | Key disclosed numbers: FSC Registration No. 6442514 / FSC License No. 000302/438; FCA FRN 522157; CySEC CIF 169/12; UK company number 07227848. Source | FBS CRD# 7784 / SEC# 8-23292; NFS CRD# 13041 / SEC# 801-50706, 8-26740. Source |
| Regulated entities | XTB Group entities include XTB International Limited (Belize/FSC), XTB S.A. (Poland/KNF), XTB Limited (UK/FCA), XTB Sucursal (Spain/CNMV), and XTB Limited (Cyprus/CySEC). 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 | Negative balance protection is available for UK retail clients under XTB Limited, but international pages warn that losses can exceed deposits; treat as regional/entity dependent. Source | Not applicable/not disclosed as a CFD-style negative balance protection policy; margin trading can create debt/interest obligations. Source |
| Investor compensation | UK retail clients may be entitled to FSCS compensation up to GBP 85,000; Cyprus legal page lists an Investor Compensation Fund document; international Belize compensation not found. 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 | XTB only accepts clients where it operates and with appropriate permits; XTB International accepted-country list is limited from March 2026; Brazil page is not created for Brazilian residents. Source | U.S.-persons focused; sanctioned countries/prohibited parties restricted; no exhaustive country availability list found. Source |
Costs & account conditions | ||
| Minimum deposit | No minimum deposit on the international page; UK page lists 0 GBP / no minimum deposit. 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 | Minimum spread is 0.5 on the international page and 0.3 on the UK page, so it is region/entity dependent. 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. Source |
| Commission | Stocks/ETFs are commission-free up to EUR 100,000 monthly turnover, then 0.2% min EUR 10; CFD trading commission is advertised as 0%, with product-specific fees/markups in the fee table. Source | $0 online U.S. stock and ETF trades; $0 online options commission plus $0.65/contract; other product/service fees apply. Source |
| Maximum leverage | Leverage is region/product dependent: international pages state a maximum of 1:500 for individual clients; UK account page states 1:30; real stocks and ETFs are not leveraged. 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. Source |
| Deposit fee | XTB advertises deposits as free, but international online payment fees include Skrill 2% and Neteller 1%; bank/payment-provider fees may apply. Source | $0 Fidelity fee for EFT and Fidelity does not charge wire fees; external banks may charge. Source |
| Withdrawal fee | International withdrawals above 50 USD are free and below 50 USD cost 30 USD; UK withdrawals are free; detailed fee table lists additional method-specific fees. Source | $0 Fidelity fee for EFT and domestic bank wire withdrawals; foreign exchange wire up to 3% of principal; receiving bank may charge. Source |
| Inactivity fee | Account maintenance is free for active clients; otherwise a monthly fee of 10 EUR may be charged when stated inactivity conditions are met. Source | 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 | Official pages list real stocks and ETFs, Investment Plans, and CFDs on forex, indices, commodities, stocks/ETFs and cryptocurrencies. Source | Stocks, ETFs, mutual funds, options, crypto, fixed income, bonds and CDs; Fidelity says stocks include domestic and international. Source |
| Trading platforms | XTB promotes an award-winning mobile application and web platform; account pages list Mobile, Desktop, Tablet availability and web app links go to xStation5. Source | Fidelity.com, Fidelity mobile app, Fidelity Trader+ Web/Desktop/Mobile mode, and legacy Active Trader Pro Classic. Source |
| Account types | XTB markets one simple account, offers swap-free accounts for certain eligible countries/entities, and offers a free training/demo account. Source | Broad account menu including taxable brokerage, retirement/IRA, cash management, HSA, custodial/youth, education, trust/business, managed and crypto accounts. Source |
| Deposit methods | Deposits are available by card, bank transfer, and online payments including Skrill and Neteller on the international page; UK page lists cards and bank transfer. 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 | Main withdrawal route on pages is a bank account in the client's name; the international fee table also lists withdrawal fees for credit cards and Skrill/Neteller/PayRetailers, implying availability in some contexts. Source | EFT/ACH, bank wire, paper check, Fidelity-to-Fidelity transfers, third-party/person-to-person transfers and eligible debit card/ATM access. Source |
| Withdrawal processing time | Withdrawal processing is same/next business day on official pages, with UK payment allocation up to 3 business days. 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.