Updated September 28, 2026 · BrokerCue Editorial Team
Fidelity vs Fineco Bank
Where Fidelity and Fineco Bank differ
| Compare |  Fidelity |  Fineco Bank |
|---|---|---|
| Stock trade fee | $0Lower | $3.95 |
| Markets | Stocks, ETFs, Options, Bonds, Funds, Futures, Forex | Stocks, ETFs, CFDs, Options, Futures, Crypto, Bonds |
| Regulators | SEC, FINRA, SIPC | Bank of Italy, Consob |
| Investor protection | SIPC up to USD 500,000 | EU ICS up to EUR 20,000 |
| Minimum deposit | $0 | Not confirmed |
| Account fee | $0 | Not confirmed |
| Inactivity fee | $0 | Not confirmed |
| Margin rate | 12.375% | Not confirmed |
| Options contract fee | $0.65 | Not confirmed |
| Platforms | Not confirmed | FinecoX |
| Account types | IRA, Roth IRA, Joint | Not confirmed |
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Key differences
- Fidelity scores higher overall: 9.5 vs 9.0.
- Regulators: only Fidelity offers SEC, FINRA, SIPC.
- Regulators: only Fineco Bank offers Bank of Italy, Consob.
- Stock trade fee is lower at Fidelity: $0 vs $3.95.
- Markets: only Fidelity offers Funds, Forex.
- Markets: only Fineco Bank offers CFDs, Crypto.
- Features: only Fidelity offers Fractional shares, Demo account, Mobile app.
Our verdict on each
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.
Fineco Bank
Fineco Bank is an Italian bank with a brokerage attached, so money and trading sit under one roof. It suits investors who want shares, bonds and derivatives in a single account, and less suits anyone shopping on the stock trade fee, which stands at $3.95.
Score breakdown
| Area | Fidelity | Fineco Bank |
|---|---|---|
| Cost | 9.1HigherSite ranks it 1 of 138 on account fee and 1 of 161 on stock trade fee. | 8.4The stock trade fee of $3.95 ranks 133 of 161 brands, above the site median of €0. |
| Offer | 9.5Higher | 9.1 |
| Trust | 9.8Higher | 9.5 |
Positions in our rankings
| Ranking | Fidelity | Fineco Bank |
|---|---|---|
| Stock and ETF brokers | 46 of 471 | 139 of 471 |
| Options trading platforms | 10 of 103 | 51 of 103 |
| Futures trading platforms | 12 of 82 | 36 of 82 |
What each covers
| Markets | Fidelity | Fineco Bank |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | No |
| CFDs | No | Yes |
| Options | Yes | Yes |
| Futures | Yes | Yes |
| Crypto | No | Yes |
| Bonds | Yes | Yes |
| Funds | Yes | No |
Availability and regulation
| Country | Fidelity | Fineco Bank |
|---|---|---|
| Italy | Not confirmed | |
| United States | SIPC SIPC member 23292 | Not confirmed |
Additional countries for Fidelity: 1. Additional countries for Fineco Bank: 1.
Sources behind this comparison
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
Fineco Bank
- uk.finecobank.com: 4 facts, checked September 26, 2026
- it.finecobank.com: 3 facts, checked September 26, 2026
- 55brokers.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Fidelity | Fineco Bank |
|---|---|---|
| Features | Fractional shares, Demo account, Mobile app, Crypto, Options, FuturesCovers more | Crypto |
| Pricing model | Commission free | Not confirmed |
| Audience | Beginners, Experienced | Not confirmed |
| Legal entity | FIDELITY BROKERAGE SERVICES LLC | FinecoBank S.p.A. |
| Headquarters | United States | Italy |
| Founded | 1946 | Not confirmed |
| Support channels | Phone, Community | Not confirmed |
Robo-advisors
| Fact | Fidelity | Fineco Bank |
|---|---|---|
| Portfolio types | ETF, ESG, Crypto | Not confirmed |
Where each stands against the rest
| Fact | Fidelity | Fineco Bank | Median |
|---|---|---|---|
| Minimum deposit | $0below the median | Not confirmed | $25 |
| Stock trade fee | $0at the median | $3.95highest quarter | $0 |
| Account fee | $0at the median | Not confirmed | $0 |
| Inactivity fee | $0at the median | Not confirmed | $0 |
| Margin rate | 12.375%highest quarter | Not confirmed | 8.75% |
| Options contract fee | $0.65above the median | Not confirmed | $0.625 |
Median across 134 listed brokers.
Pros and cons
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
Fineco Bank
Pros
- One account covers stocks, etfs and cfds through the FinecoX platform
- Regulated by the Bank of Italy and Consob, with investor protection of EU ICS up to EUR 20,000
- The account is run by FinecoBank S.p.A., an Italian banking entity rather than a trading desk
Cons
- A stock trade fee of $3.95 puts it 133 of 161 brands on share dealing
- eToro's stock trade fee is $0, so per trade cost here is the weaker point
Who each suits
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
Fineco Bank
Who it suits
- Investors who want shares, bonds and derivatives in one account rather than several platforms
- People who prefer their cash held by a licensed bank under EU investor protection
- Italian residents who want a bank relationship that includes a brokerage arm
Who should look elsewhere
- Traders shopping on the per trade cost, who would find eToro's $0 lighter than $3.95
- Readers wanting forex and metals in the same account, which points to Vantage and its forex, cfds and stocks
Country by country
| Country | Fidelity | Fineco Bank |
|---|---|---|
| Italy | No | Yes |
| United States | Yes | No |
Questions about each
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.
Fineco Bank
What does it cost to buy shares?+
The stock trade fee is $3.95, which places Fineco Bank 133 of 161 brands on that measure. The site median for share dealing is €0, so this is a priced dealing model rather than a commission-free one. Small tickets feel the difference quickly.
Who regulates Fineco Bank?+
Fineco Bank is regulated by the Bank of Italy and by Consob, which is the pair listed under Bank of Italy and Consob. Both are Italian, so the account is supervised in Italy. A UK or European reader therefore opens an Italian bank's account, governed by Italian rules rather than a home market regime.
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