Updated October 13, 2026 · BrokerCue Editorial Team
Fidelity vs Moneybox
Where Fidelity and Moneybox differ
| Compare |  Fidelity |  Moneybox |
|---|---|---|
| Markets | Stocks, ETFs, Options, Bonds, Funds, Futures, ForexCovers more | Stocks, ETFs, Funds |
| Regulators | SEC, FINRA, SIPC | Financial Conduct Authority |
| Investor protection | SIPC up to USD 500,000 | FSCS up to GBP 85,000 |
| Account types | IRA, Roth IRA, Joint | ISA, Lisa, Jisa, SIPP |
| Minimum deposit | $0 | Not confirmed |
| 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 |
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Key differences
- Regulators: only Fidelity offers SEC, FINRA, SIPC.
- Regulators: only Moneybox offers Financial Conduct Authority.
- Markets: only Fidelity offers Options, Bonds, Futures.
- Account types: only Fidelity offers IRA, Roth IRA, Joint.
- Account types: only Moneybox offers ISA, Lisa, Jisa.
- Support channels: only Fidelity offers Phone, Community.
- Support channels: only Moneybox offers Help centre.
- Features: only Fidelity offers Crypto, Options, Futures.
- 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.
Moneybox
Moneybox trades broad market choice for simplicity by focusing on ISAs, savings and pensions in one place. For newcomers who want everyday saving, first home planning and long term investing guided in plain English, it keeps every goal together for customers across the UK.
Score breakdown
| Area | Fidelity | Moneybox |
|---|---|---|
| Cost | 9.1Site ranks it 1 of 138 on account fee and 1 of 161 on stock trade fee. | Not confirmed |
| Offer | 9.5Higher | 9.0 |
| Trust | 9.8Higher | 8.6 |
Feature by feature
| Markets | Fidelity | Moneybox |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | No |
| Options | Yes | No |
| Futures | Yes | No |
| Bonds | Yes | No |
| Funds | Yes | Yes |
| Account types | Fidelity | Moneybox |
|---|---|---|
| ISA | No | Yes |
| SIPP | No | Yes |
| IRA | Yes | No |
| Roth IRA | Yes | No |
| Joint | Yes | No |
| Lisa | No | Yes |
| Jisa | No | Yes |
Positions in our rankings
| Ranking | Fidelity | Moneybox |
|---|---|---|
| Stock and ETF brokers | 46 of 471 | 384 of 471 |
| Investment platforms and apps | 9 of 86 | 69 of 86 |
| Brokers for beginners | 12 of 88 | 77 of 88 |
| Robo-advisors | 13 of 151 | 122 of 151 |
Every fact side by side
| Fact | Fidelity | Moneybox |
|---|---|---|
| Features | Fractional shares, Demo account, Mobile app, Crypto, Options, FuturesCovers more | Mobile app, Fractional shares, Demo account |
| Pricing model | Commission free | Not confirmed |
| Audience | Beginners, ExperiencedCovers more | Beginners |
| Legal entity | FIDELITY BROKERAGE SERVICES LLC | Digital Moneybox Limited |
| Headquarters | United States | United Kingdom |
| Founded | 1946 | Not confirmed |
| Support channels | Phone, Community | Help centre |
Robo-advisors
| Fact | Fidelity | Moneybox |
|---|---|---|
| Minimum investment | Not confirmed | £1 |
| Portfolio types | ETF, ESG, Crypto | ETF, Cash |
Where each stands against the rest
| Fact | Fidelity | Moneybox | Median |
|---|---|---|---|
| Minimum deposit | $0below the median | Not confirmed | $25 |
| 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 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
Moneybox
Pros
- Covers cash savings, ISAs, first home saving and pensions together
- Supports combining old pensions into one easy to manage plan
- Welcomes beginners with plain guidance for long term goals
Cons
- Focused range around ISAs, savings and pensions only
- UK centred offer for customers planning home and retirement goals
- Long term focus with less choice for active market trading
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
Moneybox
Who it suits
- First home savers planning a deposit
- Beginners building long term ISA investments
- Pension holders wanting combined pots
Who should look elsewhere
- Active traders seeking wide market choice
Country by country
| Country | Fidelity | Moneybox |
|---|---|---|
| United Kingdom | 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.
Moneybox
What accounts can you open with Moneybox?+
You can open a Cash ISA for everyday savings, a Lifetime ISA for a first home, and a Stocks and Shares ISA for long term investing. You can also open a Personal Pension and use general savings accounts to build funds for different life goals.
Which countries does Moneybox serve?+
Moneybox serves customers across the UK who want to save, invest and plan retirement in one place. Its Lifetime ISA content focuses on first time home ownership in the UK. Its pension content focuses on finding and combining existing UK pension pots.
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