Updated September 29, 2026 · BrokerCue Editorial Team
Fidelity vs Trading 212
Where Fidelity and Trading 212 differ
| Compare |  Fidelity | Trading 212 ReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | $0 | £1 |
| Stock trade fee | $0 | £0 |
| Account fee | $0 | £0 |
| Inactivity fee | $0 | £0 |
| Markets | Stocks, ETFs, Options, Bonds, Funds, Futures, Forex | Stocks, ETFs, Forex, CFDs |
| Regulators | SEC, FINRA, SIPC | Financial Conduct Authority, Cyprus Securities and Exchange Commission, Cyprus Securities and Exchange Commission (CySEC) |
| Investor protection | SIPC up to USD 500,000 | FSCS up to GBP 85,000 |
| Account types | IRA, Roth IRA, Joint | ISA, SIPP, Joint |
| Margin rate | 12.375% | Not confirmed |
| Options contract fee | $0.65 | Not confirmed |
| Platforms | Not confirmed | Trading 212 App, Web Platform |
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Key differences
- Fidelity scores higher overall: 9.5 vs 9.3.
- Regulators: only Fidelity offers SEC, FINRA, SIPC.
- Regulators: only Trading 212 offers Financial Conduct Authority, Cyprus Securities and Exchange Commission, Cyprus Securities and Exchange Commission (CySEC).
- Founded is lower at Fidelity: 1946 vs 2006.
- Trading 212 is licensed in 1 more country.
- Markets: only Fidelity offers Options, Bonds, Funds.
- Markets: only Trading 212 offers CFDs.
- Account types: only Fidelity offers IRA, Roth IRA.
- Account types: only Trading 212 offers ISA, SIPP.
- Features: only Fidelity offers Crypto, Options, Futures.
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.
Trading 212
Trading 212 suits UK and European beginners who want flat costs: a stock trade fee of £0, an account fee of £0 and an ISA, SIPP and joint account. Forex and CFDs share the same menu, so the easy entry is the reason to look closer, not to trade heavily.
Score breakdown
| Area | Fidelity | Trading 212 |
|---|---|---|
| Cost | 9.1Site ranks it 1 of 138 on account fee and 1 of 161 on stock trade fee. | 9.3HigherCharges sit at the floor: £0 on a trade, £0 on the account, £0 when idle. |
| Offer | 9.5Higher | 9.2 |
| Trust | 9.8Higher | 9.5 |
Positions in our rankings
| Ranking | Fidelity | Trading 212 |
|---|---|---|
| Stock and ETF brokers | 37 of 490 | 74 of 490 |
| Investment platforms and apps | 8 of 85 | 18 of 85 |
| Forex brokers | 14 of 147 | 32 of 147 |
| Low-spread forex brokers | 12 of 145 | 30 of 145 |
| Low-fee brokers | 3 of 11 | 9 of 11 |
| Brokers for beginners | 12 of 88 | 28 of 88 |
Availability and regulation
| Country | Fidelity | Trading 212 |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 21380045KC28948FNE32 |
| United Kingdom | Not confirmed | |
| United States | SIPC SIPC member 23292 | Not confirmed |
Feature by feature
| Markets | Fidelity | Trading 212 |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | Yes |
| CFDs | No | Yes |
| Options | Yes | No |
| Futures | Yes | No |
| Bonds | Yes | No |
| Funds | Yes | No |
| Account types | Fidelity | Trading 212 |
|---|---|---|
| ISA | No | Yes |
| SIPP | No | Yes |
| IRA | Yes | No |
| Roth IRA | Yes | No |
| Joint | Yes | Yes |
Every fact side by side
| Fact | Fidelity | Trading 212 |
|---|---|---|
| Features | Fractional shares, Demo account, Mobile app, Crypto, Options, FuturesCovers more | Fractional shares, Demo account, Mobile app |
| Pricing model | Commission free | Commission free |
| Audience | Beginners, ExperiencedCovers more | Beginners |
| Legal entity | FIDELITY BROKERAGE SERVICES LLC | Trading 212 Markets Ltd |
| Headquarters | United States | Cyprus |
| Founded | 1946Lower | 2006 |
| Support channels | Phone, Community | Not confirmed |
Robo-advisors
| Fact | Fidelity | Trading 212 |
|---|---|---|
| Portfolio types | ETF, ESG, Crypto | Not confirmed |
Where each stands against the rest
| Fact | Fidelity | Trading 212 | Median |
|---|---|---|---|
| Margin rate | 12.375%highest quarter | Not confirmed | 8.79% |
| Options contract fee | $0.65above the median | Not confirmed | $0.59 |
Median across 33 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
Trading 212
Pros
- Nothing to pay for holding or for going quiet: the account fee reads £0 and the inactivity fee reads £0.
- Trading shares costs £0, the same stock trade fee eToro lists at $0, so the trade price is not the reason to move.
- The entry of £1 sits under the $5 Vantage asks for, which matters for a first transfer.
Cons
- The market list pairs shares and ETFs with forex and CFDs in stocks, etfs and forex, so a platform aimed at beginners, beginners, also carries leveraged products.
- The fee sheet is the easy part: retail accounts lose money at 70.15% across the brokers compared, and a £0 trade cost does not remove that risk.
- The money side runs through Trading 212 Markets Ltd in Cyprus, registered with the Cyprus Securities and Exchange Commission as MiCA CASP 21380045KC28948FNE32, so a UK saver is dealing with a Cyprus entity alongside the UK one.
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
Trading 212
Who it suits
- Beginners and small regular investors who want a low bar to entry, since the minimum deposit is £1 and the app and demo account in fractional shares, demo account and mobile app support a cautious start.
- UK and European savers who care about holding cost, because the account fee of £0 and the inactivity fee of £0 leave the account free to sit and free to open.
- Savers who want a tax-wrapped and shared holding together, since isa, sipp and joint covers an ISA, a SIPP and a joint account under one provider.
Who should look elsewhere
- Not for forex and CFD traders who want a deeper market list: Trading 212 stops at stocks, etfs and forex, while eToro and Vantage cover more of the leveraged side.
- Not for anyone who needs a no-cost opening: CFI takes a minimum deposit of $0 against the £1 asked here.
- Not for savers who want a bigger spread of wrappers: the account range is listed as isa, sipp and joint, which does not stretch to every tax-sheltered account type.
Country by country
| Country | Fidelity | Trading 212 |
|---|---|---|
| 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.
Trading 212
What is the minimum deposit to open a Trading 212 account?+
The published minimum deposit is £1, low enough to open and fund in one step. That entry sits under the €4.64 level seen across the brokers compared here, and under the $5 Vantage asks for, so a small first transfer is enough to get going.
Does Trading 212 charge for keeping an account open or leaving it idle?+
The account fee reads £0 and the inactivity fee reads £0, so neither holding the account nor letting it sit dormant is billed on the published sheet. The €10 inactivity level across the brokers compared sits well above that floor, which is where dormant-account charges usually show up.
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