Updated September 28, 2026 · BrokerCue Editorial Team
Fidelity vs Finhabits
Where Fidelity and Finhabits differ
| Compare |  Fidelity |  Finhabits |
|---|---|---|
| Account fee | $0Lower | $120 |
| Markets | Stocks, ETFs, Options, Bonds, Funds, Futures, ForexCovers more | Stocks, ETFs |
| Regulators | SEC, FINRA, SIPCCovers more | U.S. Securities and Exchange Commission (SEC) |
| Account types | IRA, Roth IRA, JointCovers more | IRA, Roth IRA |
| Stock trade fee | $0 | Not confirmed |
| Inactivity fee | $0 | Not confirmed |
| Margin rate | 12.375% | Not confirmed |
| Options contract fee | $0.65 | Not confirmed |
Same on both: Minimum deposit ($0), Investor protection (SIPC up to USD 500,000).
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Key differences
- Fidelity scores higher overall: 9.5 vs 8.5.
- Regulators: only Fidelity offers FINRA, SIPC.
- Account fee is lower at Fidelity: $0 vs $120.
- Markets: only Fidelity offers Options, Bonds, Funds.
- Account types: only Fidelity offers Joint.
- Support channels: only Fidelity offers Community.
- Support channels: only Finhabits offers Email, Help centre.
- Features: only Fidelity offers Fractional shares, Demo account, Crypto.
- Audience: only Fidelity offers Experienced.
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.
Finhabits
Finhabits is a US robo-advisor built for beginners, opening at a minimum deposit of $0 and running managed stocks and etfs portfolios under US regulation. The trade-off is the $120 account fee, which sits on top of the 1% management fee.
Score breakdown
| Area | Fidelity | Finhabits |
|---|---|---|
| Cost | 9.1HigherSite ranks it 1 of 138 on account fee and 1 of 161 on stock trade fee. | 8.1Management fee of 1% against a 0.35% median here, plus an account fee of $120 and a minimum deposit of $0. |
| Offer | 9.5Higher | 8.9 |
| Trust | 9.8Higher | 8.7 |
Availability and regulation
| Country | Fidelity | Finhabits |
|---|---|---|
| United States | SIPC SIPC member 23292 |
Available in 1 country for both.
Feature by feature
| Markets | Fidelity | Finhabits |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | No |
| Options | Yes | No |
| Futures | Yes | No |
| Bonds | Yes | No |
| Funds | Yes | No |
| Account types | Fidelity | Finhabits |
|---|---|---|
| IRA | Yes | Yes |
| Roth IRA | Yes | Yes |
| Joint | Yes | No |
How they place
| Ranking | Fidelity | Finhabits |
|---|---|---|
| Stock and ETF brokers | 46 of 471 | 213 of 471 |
| Investment platforms and apps | 9 of 86 | 48 of 86 |
| Brokers for beginners | 12 of 88 | 62 of 88 |
| Robo-advisors | 13 of 151 | 93 of 151 |
| IRA providers | 6 of 43 | 26 of 43 |
Every fact side by side
| Fact | Fidelity | Finhabits |
|---|---|---|
| Features | Fractional shares, Demo account, Mobile app, Crypto, Options, FuturesCovers more | Mobile app |
| Pricing model | Commission free | Not confirmed |
| Audience | Beginners, ExperiencedCovers more | Beginners |
| Legal entity | FIDELITY BROKERAGE SERVICES LLC | Finhabits, Inc. |
| Headquarters | United States | United States |
| Founded | 1946 | Not confirmed |
| Support channels | Phone, Community | Email, Phone, Help centre |
Robo-advisors
| Fact | Fidelity | Finhabits |
|---|---|---|
| Management fee | Not confirmed | 1% |
| Portfolio types | ETF, ESG, CryptoCovers more | ETF |
Where each stands against the rest
| Fact | Fidelity | Finhabits | Median |
|---|---|---|---|
| Minimum deposit | $0below the median | $0below the median | $25 |
| Stock trade fee | $0at the median | Not confirmed | $0 |
| Account fee | $0at the median | $120highest quarter | $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
Finhabits
Pros
- Regulated by the U.S. Securities and Exchange Commission, with investor protection listed as SIPC up to USD 500,000.
- Support runs on email, phone and help centre, so help is easy to reach.
- The portfolio build is etf focused, with picks made for you across stocks and etfs.
Cons
- The $120 account fee is the sting, sitting on top of the 1% management fee.
- The range is limited to stocks and etfs, so there is no wider asset choice.
- Account types come down to ira and roth ira options at a brand based in the United States.
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
Finhabits
Who it suits
- US beginners, since the service is built for beginners.
- Savers who want the holdings chosen for them across stocks and etfs.
- People already investing for retirement, matching the ira and roth ira list.
Who should look elsewhere
- Readers who want to pay nothing on management can start with eToro, where the fee is 0%.
- Anyone after a wider fee band should look at Vivid Standard, at 0.5% to 1.5%.
- Investors who treat the protection scheme as the deciding factor can also check Axos Invest, which names SIPC.
Country by country
| Country | Fidelity | Finhabits |
|---|---|---|
| United States | Yes | Yes |
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.
Finhabits
What does Finhabits cost to run an account?+
Finhabits charges a management fee of 1% on the portfolio and an account fee of $120. The account fee is the part to watch, since it is a flat charge on top of the percentage. The median management fee across the robo-advisors compared here is 0.35%.
How much do I need to put in before I can start?+
The minimum deposit is $0, so there is no floor to clear before saving begins. Accounts come as ira and roth ira options, which decides the wrapper you hold. The listed feature is mobile app, so the app is the main way in.
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