Updated October 1, 2026 · BrokerCue Editorial Team
Fidelity vs LANDE
Fidelity vs LANDE: the differences
| Compare |  Fidelity |  LANDE |
|---|---|---|
| Minimum deposit | $0 | €50 |
| Account fee | $0 | €0 |
| Regulators | SEC, FINRA, SIPC | Bank of Latvia |
| Investor protection | SIPC up to USD 500,000 | EU ICS up to EUR 20,000 |
| Stock trade fee | $0 | Not confirmed |
| Inactivity fee | $0 | Not confirmed |
| Markets | Stocks, ETFs, Options, Bonds, Funds, Futures, Forex | Not confirmed |
| Margin rate | 12.375% | Not confirmed |
| Options contract fee | $0.65 | Not confirmed |
| Account types | IRA, Roth IRA, Joint | Not confirmed |
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Key differences
- Fidelity scores higher overall: 9.5 vs 9.1.
- Regulators: only Fidelity offers SEC, FINRA, SIPC.
- Regulators: only LANDE offers Bank of Latvia.
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.
LANDE
LANDE suits investors who want to fund companies directly and can leave their money in place until a loan matures. Entry sits at €50 per loan and the stated target return is 11.2%, while LANDE offers no buyback guarantee, so early access to cash rests on the secondary market.
Score breakdown
| Area | Fidelity | LANDE |
|---|---|---|
| Cost | 9.1HigherSite ranks it 1 of 138 on account fee and 1 of 161 on stock trade fee. | 9.0Investors pay €0 and the platform earns through borrower-side service fees, so no investor charge cuts into the stated return. |
| Offer | 9.5Higher | 9.0Loans run from €50, a secondary market lets investors sell loans earlier, and the stated target return is 11.2%. |
| Trust | 9.8Higher | 9.2Supervised by the Bank of Latvia, with money tied to loans that run to their end. |
Licences and countries
| Country | Fidelity | LANDE |
|---|---|---|
| Latvia | Not confirmed | |
| United States | SIPC SIPC member 23292 | Not confirmed |
Where they rank in our lists
| Ranking | Fidelity | LANDE |
|---|---|---|
| Brokers for beginners | 12 of 88 | 3 of 88 |
Where these facts come from
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
LANDE
- lande.finance: 7 facts, checked October 1, 2026
Every fact side by side
| Fact | Fidelity | LANDE |
|---|---|---|
| Features | Fractional shares, Demo account, Mobile app, Crypto, Options, Futures | Not confirmed |
| Pricing model | Commission free | Commission free |
| Audience | Beginners, Experienced | Beginners, Experienced |
| Legal entity | FIDELITY BROKERAGE SERVICES LLC | Not confirmed |
| Headquarters | United States | Latvia |
| Founded | 1946 | Not confirmed |
| Support channels | Phone, Community | Not confirmed |
Robo-advisors
| Fact | Fidelity | LANDE |
|---|---|---|
| Minimum investment | Not confirmed | €50 |
| Portfolio types | ETF, ESG, Crypto | Not confirmed |
Where each stands against the rest
| Fact | Fidelity | LANDE | Median |
|---|---|---|---|
| Stock trade fee | $0at the median | Not confirmed | $0 |
| Inactivity fee | $0at the median | Not confirmed | $0 |
| Margin rate | 12.375%highest quarter | Not confirmed | 8.79% |
| Options contract fee | $0.65above the median | Not confirmed | $0.59 |
Median across 81 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
LANDE
Pros
- Investors pay €0, and LANDE takes its earning from borrower-side service fees rather than from what investors receive.
- Loans can be bought from €50, an entry point the platform presents as open to newcomers and experienced investors alike.
- A secondary market lets investors sell loans before they reach their end, rather than waiting out every term.
Cons
- Funds stay with a loan until it reaches its end and LANDE offers no buyback guarantee, so the stated 11.2% comes with a wait the reader cannot shorten.
- The 11.2% figure sits on money tied to individual companies, and LANDE's revenue comes from borrower-side service fees, so nothing in that structure cushions a business that pays late.
- The €50 entry point applies to each loan, so spreading money across borrowers takes repeated purchases rather than one outlay.
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
LANDE
Who it suits
- Investors who want their money to reach companies directly instead of sitting on a deposit.
- Readers starting small, since loans can be bought from €50.
- Investors with a longer horizon who are comfortable waiting for a loan to reach its end.
Who should look elsewhere
- Anyone who needs their money on a fixed date: the cash stays with a loan until it reaches its end and LANDE offers no buyback guarantee.
- Readers who will not look at the company behind a single loan, because the money goes into individual businesses.
Country by country
| Country | Fidelity | LANDE |
|---|---|---|
| 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.
LANDE
What is the smallest amount I can put into a LANDE loan?+
Loans can be bought from €50. That figure applies to each loan, so spreading money across several companies takes repeated purchases. LANDE presents this entry point as the reason beginners and experienced investors can both take part.
Does LANDE charge investors anything?+
Investors pay €0. LANDE says investors carry no hidden fees, and that the platform earns through borrower-side service fees instead, which it says keeps investment terms transparent. A reader comparing platforms can therefore read the loan terms without stripping an investor charge out of them.
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