Updated September 29, 2026 · BrokerCue Editorial Team
Capital.com vs Fidelity
What sets them apart
| Compare |  Capital.com |  Fidelity |
|---|---|---|
| Minimum deposit | £20 | $0 |
| Account fee | £0 | $0 |
| Inactivity fee | £0 | $0 |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, Bonds, Spread betting | Stocks, ETFs, Options, Bonds, Funds, Futures, Forex |
| Regulators | FCA, Cyprus Securities and Exchange Commission (CySEC) | SEC, FINRA, SIPC |
| Investor protection | FSCS up to GBP 85,000 | SIPC up to USD 500,000 |
| Retail accounts that lose money | 65% | Not confirmed |
| Margin rate | Not confirmed | 12.375% |
| Options contract fee | Not confirmed | $0.65 |
| Deposit and withdrawal fees | Free deposits and withdrawals | Not confirmed |
| Platforms | Web platform, Mobile app, MT4, TradingView | Not confirmed |
| Account types | Not confirmed | IRA, Roth IRA, Joint |
| Maximum retail leverage | 1:30 | Not confirmed |
Same on both: Stock trade fee ($0).
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Key differences
- Fidelity scores higher overall: 9.5 vs 9.3.
- Regulators: only Capital.com offers FCA, Cyprus Securities and Exchange Commission (CySEC).
- Regulators: only Fidelity offers SEC, FINRA, SIPC.
- Founded is lower at Fidelity: 1946 vs 2016.
- Capital.com is licensed in 1 more country.
- Markets: only Capital.com offers CFDs, Crypto, Spread betting.
- Markets: only Fidelity offers Options, Funds, Futures.
- Support channels: only Capital.com offers Chat, Help centre.
- Support channels: only Fidelity offers Phone, Community.
- Features: only Fidelity offers Fractional shares, Crypto, Options.
Our verdict on each
Capital.com
Capital.com suits traders who want one account across shares, forex, CFDs, crypto and bonds without a monthly or inactivity charge. UK clients sit under FCA regulation with FSCS protection of FSCS up to GBP 85,000. The minimum deposit of £20 is the only cost barrier, above CFI at $0.
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 | Capital.com | Fidelity |
|---|---|---|
| Cost | 9.2HigherAccount fee of £0, stock trade fee of $0 and no inactivity charge, with free deposits and withdrawals. | 9.1Site ranks it 1 of 138 on account fee and 1 of 161 on stock trade fee. |
| Offer | 9.5 | 9.5 |
| Trust | 9.1 | 9.8Higher |
Where they rank in our lists
| Ranking | Capital.com | Fidelity |
|---|---|---|
| Stock and ETF brokers | 56 of 490 | 37 of 490 |
| Forex brokers | 25 of 147 | 14 of 147 |
| Low-spread forex brokers | 23 of 145 | 12 of 145 |
| Low-fee brokers | 7 of 11 | 3 of 11 |
Feature by feature
| Markets | Capital.com | Fidelity |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | Yes |
| CFDs | Yes | No |
| Options | No | Yes |
| Futures | No | Yes |
| Crypto | Yes | No |
| Bonds | Yes | Yes |
| Funds | No | Yes |
| Spread betting | Yes | No |
Availability and regulation
| Country | Capital.com | Fidelity |
|---|---|---|
| Cyprus | CySEC HE 354252 Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 984500C46B3B7B69Y904 | Not confirmed |
| United Kingdom | FCA 793714 | Not confirmed |
| United States | Not confirmed | SIPC SIPC member 23292 |
What we checked
Capital.com
- capital.com: 5 facts, checked September 26, 2026
- investingreviews.co.uk: 4 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- forexrev.com: 2 facts, checked September 26, 2026
- sashares.co.za: 2 facts, checked September 26, 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 | Capital.com | Fidelity |
|---|---|---|
| Features | Demo account, Mobile app | Fractional shares, Demo account, Mobile app, Crypto, Options, FuturesCovers more |
| Pricing model | Commission free, Low feesCovers more | Commission free |
| Audience | Not confirmed | Beginners, Experienced |
| Legal entity | CAPITAL VAULT LTD | FIDELITY BROKERAGE SERVICES LLC |
| Headquarters | Cyprus | United States |
| Founded | 2016 | 1946Lower |
| Support channels | Chat, Help centre | Phone, Community |
Robo-advisors
| Fact | Capital.com | Fidelity |
|---|---|---|
| Portfolio types | Not confirmed | ETF, ESG, Crypto |
Where each stands against the rest
| Fact | Capital.com | Fidelity | Median |
|---|---|---|---|
| Stock trade fee | $0at the median | $0at the median | $0 |
| Retail accounts that lose money | 65%lowest quarter | Not confirmed | 70.375% |
| 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
Capital.com
Pros
- No account fee at all, which puts it joint first on that measure in our data (£0).
- No inactivity charge, also joint first in our data, so an unused balance is not quietly billed (£0).
- Stock trades cost $0 under a commission-free model.
Cons
- The minimum deposit of £20 is far higher than CFI, which asks for $0.
- Support runs on chat and help centre, so there is no phone line for questions about a leveraged position.
- Retail accounts lose 65% of money, and the market is open around the clock.
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
Capital.com
Who it suits
- Traders who want shares, forex, CFDs, crypto and bonds in one account
- UK residents who want FSCS protection alongside a CySEC regulated entity
- People who keep a balance and would otherwise pay inactivity fees
Who should look elsewhere
- eToro, if you want a social platform with copy trading
- Vantage, if you would rather start from a smaller deposit of $5
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 | Capital.com | Fidelity |
|---|---|---|
| United States | No | Yes |
Questions about each
Capital.com
What is the minimum deposit at Capital.com?+
The minimum deposit is £20 in the UK. That is higher than CFI at $0 and Vantage at $5. Clients who want a smaller opening balance may prefer a rival on that measure.
What does it cost to open and hold an account?+
There is no account fee, so the account costs £0. There is also no inactivity charge, at £0. Both rank the brand joint first on our data, so an unused balance is not billed.
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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