Updated September 29, 2026 · BrokerCue Editorial Team
Exness vs SoFi
Where Exness and SoFi differ
| Compare |  Exness |  SoFi |
|---|---|---|
| Minimum deposit | $10 | $0Lower |
| Markets | Stocks, Forex, CFDs, Crypto, Metals | Stocks, ETFs, Options, Crypto |
| Regulators | FCA, CySEC, FSA Seychelles, FSCA | SIPC, FDIC |
| Investor protection | FSCS up to GBP 85,000 | SIPC up to USD 500,000 |
| Account fee | Not confirmed | $0 |
| Deposit and withdrawal fees | no deposit or withdrawal fee | Not confirmed |
| Platforms | MT4, MT5, Exness Terminal, Exness Trade App | Not confirmed |
| Account types | Not confirmed | IRA, Roth IRA, Joint |
| Maximum retail leverage | 1:Unlimited | Not confirmed |
Same on both: Stock trade fee ($0), Inactivity fee ($0).
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Key differences
- Exness scores higher overall: 9.4 vs 9.3.
- Regulators: only Exness offers FCA, CySEC, FSA Seychelles.
- Regulators: only SoFi offers SIPC, FDIC.
- Founded is lower at Exness: 2008 vs 2011.
- Exness is licensed in 3 more countries.
- Minimum deposit is lower at SoFi: $0 vs $10.
- Markets: only Exness offers Forex, CFDs, Metals.
- Markets: only SoFi offers ETFs, Options.
- Pricing model: only Exness offers Low fees.
- Audience: only Exness offers Day traders.
Our verdict on each
Exness
Exness suits beginners and day traders who want to place stock trades without a dealing charge, with a stock trade fee of $0 and an inactivity fee of $0. Regulators listed are the FCA, CySEC, the FSA Seychelles and the FSCA, with FSCS up to GBP 85,000 stated for UK clients.
SoFi
SoFi suits retirement savers in the US, with a stock trade fee of $0, an account fee of $0 and a minimum deposit of $0. The named licences are US registrations, so readers outside the US should check the account types and terms first.
Score breakdown
| Area | Exness | SoFi |
|---|---|---|
| Cost | 9.3 | 9.5HigherRanks 1 of 161 on stock trade fee, 1 of 138 on account fee, 1 of 56 on inactivity fee. |
| Offer | 9.6Higher | 9.4 |
| Trust | 9.5Higher | 9.2 |
Which one suits you
Pick Exness if trust matter most.
Pick SoFi if minimum deposit matter most.
What we checked
Exness
- brokerchampion.com: 3 facts, checked September 26, 2026
- brokeranalysis.com: 2 facts, checked September 26, 2026
- e-trading.cn.com: 2 facts, checked September 26, 2026
- exness.org: 2 facts, checked September 26, 2026
- newyorkcityservers.com: 2 facts, checked September 26, 2026
SoFi
- en.wikipedia.org: 5 facts, checked September 26, 2026
- sofi.com: 5 facts, checked September 26, 2026
- sipc.org: 3 facts, checked September 26, 2026
- banks.data.fdic.gov: 1 fact, checked September 26, 2026
How they place
| Ranking | Exness | SoFi |
|---|---|---|
| Stock and ETF brokers | 54 of 471 | 80 of 471 |
| Brokers for beginners | 18 of 88 | 26 of 88 |
Every fact side by side
| Fact | Exness | SoFi |
|---|---|---|
| Features | Not confirmed | Crypto, Fractional shares, Mobile app |
| Pricing model | Commission free, Low feesCovers more | Commission free |
| Audience | Beginners, Day tradersCovers more | Beginners |
| Legal entity | Exness (SC) Ltd | SOFI SECURITIES LLC |
| Headquarters | Cyprus | United States |
| Founded | 2008Lower | 2011 |
Robo-advisors
| Fact | Exness | SoFi |
|---|---|---|
| Portfolio types | Not confirmed | ETF, Cash, Crypto |
Where each stands against the rest
| Fact | Exness | SoFi | Median |
|---|---|---|---|
| Minimum deposit | $10below the median | $0below the median | $25 |
| Stock trade fee | $0at the median | $0at the median | $0 |
| Account fee | Not confirmed | $0at the median | $0 |
| Inactivity fee | $0at the median | $0at the median | $0 |
Median across 134 listed brokers.
Pros and cons
Exness
Pros
- A $0 stock trade fee, with the pricing model read as commission-free and low-fee.
- An inactivity fee of $0, so a dormant balance is not billed.
- Deposits and withdrawals carry no charge, so moving money costs nothing.
Cons
- Retail leverage is listed at 1:Unlimited, and 70.15% of retail accounts on this site lose money.
- Regulators listed include the FSA Seychelles and the FSCA alongside the FCA and CySEC, so the entity behind an account can differ by market.
- The market list, stocks, forex and cfds, stops short of ETFs and futures, so share investors wanting those should look elsewhere.
SoFi
Pros
- A stock trade costs $0 on a commission free model, so cost does not decide which shares you can hold.
- The account fee is $0 and the inactivity fee is $0, so extra accounts and balances left untouched are not billed.
- The minimum deposit is $0 where Vantage asks $5, so a small amount can start an account.
Cons
- The account types listed are ira, roth ira and joint, retirement and joint accounts, and a general taxable account is not among them.
- Markets stop at stocks, etfs and options, while eToro lists stocks, etfs and forex, so forex, CFDs and futures are out of reach here.
- The group sits in US and its registrations are SIPC member 68389 and FDIC cert 26881, with no UK or EU regulator named.
Who each suits
Exness
Who it suits
- Beginners and day traders, the audiences the brand names.
- Traders who want a $0 stock trade fee and an inactivity fee of $0 on the same account.
- Desktop and mobile users who want to trade across MT4, MT5 and Exness Terminal.
Who should look elsewhere
- CFI, where the minimum deposit is $0.
- Vantage, with a minimum deposit of $5.
- eToro, which also covers ETFs and futures beyond the markets listed here.
SoFi
Who it suits
- Beginners, which the audience fact lists as beginners, who want to start small with a $0 minimum deposit.
- Retirement savers who want an IRA, a Roth IRA or a joint account at $0 in account fees.
- Fractional share buyers who want crypto and equities in the same app, as the feature list crypto, fractional shares and mobile app shows.
Who should look elsewhere
- Traders after forex, CFDs or futures, since eToro lists stocks, etfs and forex and SoFi lists stocks, etfs and options.
- Investors who want a broader spread of instruments than shares, ETFs, options and crypto, since CFI lists stocks, etfs and forex.
- Readers who need a UK or EU regulated provider, because the licences named are SIPC member 68389 and FDIC cert 26881.
Country by country
| Country | Exness | SoFi |
|---|---|---|
| United States | No | Yes |
Questions about each
Exness
What does Exness charge to buy a stock?+
Share dealing runs at a stock trade fee of $0, and the pricing model is listed as commission-free and low-fee. On this site's stock trade fee ranking Exness sits at 1 of 161, so the per-trade cost sits at the cheap end of the brands compared. Deposits and withdrawals carry no charge either.
Does Exness charge an inactivity fee?+
The inactivity fee is $0, so a dormant account is not billed for sitting still. Exness ranks 1 of 56 on this measure, at the top of the table of brands compared. Some rivals charge for unused accounts, so this saves money for anyone who opens an account and leaves it quiet for a while.
SoFi
What does it cost to open and hold a SoFi account?+
The published minimum deposit is $0, the account fee is $0 and the inactivity fee is $0, so opening and holding an account adds no charge on the listed terms. Those are account level figures, which is the first thing to check before you choose a wrapper or leave a balance untouched.
What does a stock trade cost?+
A stock trade costs $0 and the pricing model is commission free, so commission does not decide which shares you can hold. Other brands on the site charge a stock trade fee as high as €17.54, and the account fee of $0 and inactivity fee of $0 add nothing on top.
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