Updated September 28, 2026 · BrokerCue Editorial Team
Fidelity vs Ginmon
Where Fidelity and Ginmon differ
| Compare |  Fidelity |  Ginmon |
|---|---|---|
| Minimum deposit | $0 | €1 |
| Markets | Stocks, ETFs, Options, Bonds, Funds, Futures, ForexCovers more | ETFs, Funds |
| Regulators | SEC, FINRA, SIPC | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank, Hauptverwaltung Hessen |
| Investor protection | SIPC up to USD 500,000 | EU ICS up to EUR 20,000 |
| Account types | IRA, Roth IRA, Joint | Corporate |
| Stock trade fee | $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 |
| Deposit and withdrawal fees | Not confirmed | Free deposits and withdrawals |
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Key differences
- Fidelity scores higher overall: 9.5 vs 9.2.
- Regulators: only Fidelity offers SEC, FINRA, SIPC.
- Regulators: only Ginmon offers Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank, Hauptverwaltung Hessen.
- Founded is lower at Fidelity: 1946 vs 2014.
- Markets: only Fidelity offers Stocks, Options, Bonds.
- Account types: only Fidelity offers IRA, Roth IRA, Joint.
- Account types: only Ginmon offers Corporate.
- Support channels: only Fidelity offers Community.
- Support channels: only Ginmon offers Email, Chat, Help centre.
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.
Ginmon
Ginmon is a German robo-advisor for corporate investors who want a managed ETF portfolio without a large starting sum. A management fee of 0.75% plus a minimum investment of €1 keeps the entry point low, though the account type is limited to companies.
Score breakdown
| Area | Fidelity | Ginmon |
|---|---|---|
| Cost | 9.1HigherSite ranks it 1 of 138 on account fee and 1 of 161 on stock trade fee. | 8.9Management fee of 0.75% is above both the robo-advisor median of 0.35% and the site median of 0.4%. |
| Offer | 9.5Higher | 9.2 |
| Trust | 9.8Higher | 9.4 |
Where they rank in our lists
| Ranking | Fidelity | Ginmon |
|---|---|---|
| Stock and ETF brokers | 46 of 471 | 99 of 471 |
| Robo-advisors | 13 of 151 | 29 of 151 |
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
Ginmon
- ginmon.de: 9 facts, checked September 26, 2026
- robo-advisorfinder.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Fidelity | Ginmon |
|---|---|---|
| Features | Fractional shares, Demo account, Mobile app, Crypto, Options, Futures | Not confirmed |
| Pricing model | Commission free | Not confirmed |
| Audience | Beginners, Experienced | Not confirmed |
| Legal entity | FIDELITY BROKERAGE SERVICES LLC | Ginmon Vermögensverwaltung GmbH |
| Headquarters | United States | Germany |
| Founded | 1946Lower | 2014 |
| Support channels | Phone, Community | Email, Chat, Phone, Help centre |
Robo-advisors
| Fact | Fidelity | Ginmon |
|---|---|---|
| Management fee | Not confirmed | 0.75% |
| Minimum investment | Not confirmed | €1 |
| Portfolio types | ETF, ESG, Crypto | ETF, ESG, Cash |
Where each stands against the rest
| Fact | Fidelity | Ginmon | Median |
|---|---|---|---|
| Stock trade fee | $0at the median | Not confirmed | $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 91 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
Ginmon
Pros
- Minimum investment of €1 keeps the entry point low for corporate investors
- No charge for moving money: Free deposits and withdrawals
- Supervised in Germany by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and Deutsche Bundesbank, Hauptverwaltung Hessen, so the firm sits inside the German system
Cons
- Management fee of 0.75% sits above the robo-advisor median of 0.35%
- A private account is not among its account types (corporate)
- Shares are not among its markets (etfs and funds), which cover ETFs and funds
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
Ginmon
Who it suits
- Companies that want a managed portfolio set up with a small starting sum
- Investors happy to hold ETFs and funds rather than place orders
- Anyone in Germany who prefers a firm supervised by BaFin
Who should look elsewhere
- Self-directed traders, who may prefer eToro: its management fee is 0% while Ginmon manages the portfolio for you
- Anyone starting with a larger sum may prefer Axos Invest, whose minimum investment is $100
- Private investors: a personal account is not among the account types (corporate)
Country by country
| Country | Fidelity | Ginmon |
|---|---|---|
| Germany | 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.
Ginmon
What does Ginmon charge to manage an account?+
Ginmon charges a management fee of 0.75% on the corporate account it manages, and that is the main ongoing cost. The median management fee across robo-advisors is 0.35%, so you can see how Ginmon compares with the middle of the market.
How much do I need to start investing?+
The minimum investment is €1 and the minimum deposit is €1, so a small first transfer is enough. The median minimum investment across robo-advisors is €60.06, which puts Ginmon's entry point below the middle.
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