Updated October 1, 2026 · BrokerCue Editorial Team
Afranga vs Fidelity
What sets them apart
| Compare |  Afranga |  Fidelity |
|---|---|---|
| Minimum deposit | €10 | $0 |
| Account fee | €0 | $0 |
| Regulators | Financial Supervision Commission of Bulgaria | SEC, FINRA, SIPC |
| Investor protection | None: not covered by any deposit guarantee scheme or investor compensation scheme | SIPC up to USD 500,000 |
| Stock trade fee | Not confirmed | $0 |
| Inactivity fee | Not confirmed | $0 |
| Markets | Not confirmed | Stocks, ETFs, Options, Bonds, Funds, Futures, Forex |
| Margin rate | Not confirmed | 12.375% |
| Options contract fee | Not confirmed | $0.65 |
| Deposit and withdrawal fees | Depositing money Free; Withdrawing money Free | Not confirmed |
| Account types | Not confirmed | IRA, Roth IRA, Joint |
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Key differences
- Fidelity scores higher overall: 9.5 vs 9.3.
- Regulators: only Afranga offers Financial Supervision Commission of Bulgaria.
- Regulators: only Fidelity offers SEC, FINRA, SIPC.
- Founded is lower at Fidelity: 1946 vs 2021.
- Afranga is available in 30 more countries.
- Support channels: only Afranga offers Email, Help centre.
- Pricing model: only Afranga offers Low fees.
- Pricing model: only Fidelity offers Commission free.
- Audience: only Fidelity offers Experienced.
Our verdict on each
Afranga
Afranga suits beginners who want a small entry point and a published target range on business lending. Charges of €0 and Depositing money Free; Withdrawing money Free keep running costs light, though 8% to 16% is a target rather than a promise and investor protection is listed as none.
Fidelity
Fidelity is a US brokerage that suits investors who want to hold and trade without a standing charge: its minimum deposit, account fee and inactivity fee all sit at $0, $0 and $0. Stock dealing is commission-free, with SIPC protection recorded as SIPC up to USD 500,000.
Score breakdown
| Area | Afranga | Fidelity |
|---|---|---|
| Cost | 10.0HigherAccount fee is €0 and Depositing money Free; Withdrawing money Free shows both directions are free. | 9.1Site ranks it 1 of 138 on account fee and 1 of 161 on stock trade fee. |
| Offer | 9.5Target return of 8% to 16% tops Fingood's 10% to 12.9%, a secondary market is available and minimum investment is €10. | 9.5 |
| Trust | 8.7Licensed under 863/12.09.2023, with no deposit guarantee or investor compensation scheme behind the money. | 9.8Higher |
Availability and regulation
| Country | Afranga | Fidelity |
|---|---|---|
| Bulgaria | Financial Supervision Commission of Bulgaria 863/12.09.2023 | Not confirmed |
| United States | Not confirmed | SIPC SIPC member 23292 |
Additional countries for Afranga: 31. Additional countries for Fidelity: 1.
Positions in our rankings
| Ranking | Afranga | Fidelity |
|---|---|---|
| Brokers for beginners | 9 of 88 | 12 of 88 |
What we checked
Afranga
- afranga.com: 10 facts, checked October 1, 2026
- fsc.bg: 1 fact, checked October 1, 2026
Fidelity
- brokerage-review.com: 6 facts, checked September 26, 2026
- editorialge.com: 5 facts, checked September 26, 2026
- en.wikipedia.org: 4 facts, checked September 26, 2026
- fidelity.com: 1 fact, checked September 26, 2026
- sipc.org: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Afranga | Fidelity |
|---|---|---|
| Features | Not confirmed | Fractional shares, Demo account, Mobile app, Crypto, Options, Futures |
| Pricing model | Low fees | Commission free |
| Audience | Beginners | Beginners, ExperiencedCovers more |
| Legal entity | Afranga EOOD | FIDELITY BROKERAGE SERVICES LLC |
| Headquarters | Bulgaria | United States |
| Founded | 2021 | 1946Lower |
| Support channels | Email, Phone, Help centre, CommunityCovers more | Phone, Community |
Robo-advisors
| Fact | Afranga | Fidelity |
|---|---|---|
| Minimum investment | €10 | Not confirmed |
| Portfolio types | Not confirmed | ETF, ESG, Crypto |
Where each stands against the rest
| Fact | Afranga | Fidelity | Median |
|---|---|---|---|
| Stock trade fee | Not confirmed | $0at the median | $0 |
| Inactivity fee | Not confirmed | $0at the median | $0 |
| Margin rate | Not confirmed | 12.375%highest quarter | 8.79% |
| Options contract fee | Not confirmed | $0.65above the median | $0.59 |
Median across 81 listed brokers.
Pros and cons
Afranga
Pros
- The account fee is €0, so holding an account is free.
- Cash handling costs nothing either way: Depositing money Free; Withdrawing money Free.
- Minimum investment of €10 is the lowest of the 6 brands ranked on it, at position 1.
Cons
- There is no buyback guarantee, so a loan that goes unpaid stays on your books.
- Investor protection is listed as none, so a default on a loan you funded comes straight out of your own pocket.
- Afranga publishes a target return of 8% to 16%, while Fingood's 10% to 12.9% gives you a tighter band to plan around.
Fidelity
Pros
- Costs sit at the floor: stock trade fee $0, account fee $0, inactivity fee $0 and minimum deposit $0
- The client entity is listed on the SIPC register as SIPC member 23292, with protection recorded at SIPC up to USD 500,000
- Account types cover retirement and shared holdings: ira, roth ira and joint
Cons
- Support runs on phone and community only, so that list carries no chat or email channel
- Options contracts cost $0.65 each, the main charge where stock dealing is free
- Margin borrowing is priced at 12.375%, a cost on top of the free equity dealing
Who each suits
Afranga
Who it suits
- Beginners putting a small first amount into business loans rather than trying it with a large sum.
- Investors who want the 8% to 16% target range without an account fee eating into it.
- Anyone comfortable that the money sits outside any deposit guarantee or investor compensation scheme.
Who should look elsewhere
- Fingood, if you would rather plan around a narrower return band of 10% to 12.9% than the wider 8% to 16% Afranga publishes.
- Anyone who relies on live chat, since support runs on email, phone, help centre and 1 more.
Fidelity
Who it suits
- Retirement savers, since ira, roth ira and joint are all listed as account types
- Buyers investing small amounts, as fractional shares sit in fractional shares, demo account and mobile app
- Traders who want stocks, bonds, funds, options, futures and forex in one place, as stocks, etfs and options shows
Who should look elsewhere
- Traders who want CFDs, since stocks, etfs and options leaves them out and CFI lists stocks, etfs and forex
- Anyone who prefers a required opening deposit, since $0 sets none where Vantage asks $5
Country by country
| Country | Afranga | Fidelity |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Bulgaria | Yes | No |
| Croatia | Yes | No |
| Cyprus | Yes | No |
| Czechia | Yes | No |
| Denmark | Yes | No |
| Estonia | Yes | No |
8 of 32 countries where either is available.
Questions about each
Afranga
How much does it cost to hold an account with Afranga?+
The account fee is €0, so holding an account is free. Most of the brands listed also charge nothing, though the highest account fee in the group reaches €348.65. Afranga sits with the majority rather than against them.
Does it cost anything to move money in or out?+
Depositing money is free and withdrawing money is free, so Depositing money Free; Withdrawing money Free applies to both sides. That means a small starting balance can be topped up or taken out without a charge eating into it, which matters more when your minimum is €10.
Fidelity
What does it cost to trade stocks at Fidelity?+
Stock dealing is commission-free, with a stock trade fee of $0. The account fee is $0 and the minimum deposit is $0, so there is no standing charge to hold the account. Options contracts are the exception, at $0.65 each.
Is there an inactivity fee if I stop trading?+
The inactivity fee is $0, so an idle account is not charged for sitting still. On the site it ranks 1 of 56 brands measured for that fee. With the account fee at $0, a dormant account carries no listed running cost.
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