Updated September 29, 2026 · BrokerCue Editorial Team
Fidelity vs XTB
What sets them apart
| Compare |  Fidelity |  XTB |
|---|---|---|
| Minimum deposit | $0 | €0 |
| Stock trade fee | $0 | €0 |
| Account fee | $0 | €0 |
| Inactivity fee | $0 | €10 |
| Markets | Stocks, ETFs, Options, Bonds, Funds, Futures, Forex | Stocks, ETFs, Forex, CFDs, Crypto |
| Regulators | SEC, FINRA, SIPC | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Investor protection | SIPC up to USD 500,000 | EU ICS up to EUR 20,000 |
| Retail accounts that lose money | Not confirmed | 77% |
| Currency conversion fee | Not confirmed | 0.5% |
| Margin rate | 12.375% | Not confirmed |
| Options contract fee | $0.65 | Not confirmed |
| Deposit and withdrawal fees | Not confirmed | Free deposits; free withdrawals above 100 EUR/USD |
| Platforms | Not confirmed | XStation 5, XStation Mobile |
| Account types | IRA, Roth IRA, Joint | Not confirmed |
| Maximum retail leverage | Not confirmed | 1:30 |
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Key differences
- Fidelity scores higher overall: 9.5 vs 9.3.
- Regulators: only Fidelity offers SEC, FINRA, SIPC.
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), FCA, KNF.
- Founded is lower at Fidelity: 1946 vs 2002.
- XTB is licensed in 2 more countries.
- Markets: only Fidelity offers Options, Bonds, Funds.
- Markets: only XTB offers CFDs, Crypto.
- Support channels: only Fidelity offers Community.
- Support channels: only XTB offers Email, Chat.
- Features: only Fidelity offers Fractional shares, 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.
XTB
XTB suits retail traders who want to hold stocks, ETFs, forex, CFDs and crypto under one Cyprus-based account without a monthly charge. The account fee is €0, deposits cost nothing, and CySEC, FCA and KNF authorisations sit behind a legal entity founded in 2002.
Score breakdown
| Area | Fidelity | XTB |
|---|---|---|
| Cost | 9.1Site ranks it 1 of 138 on account fee and 1 of 161 on stock trade fee. | 9.1 |
| Offer | 9.5Higher | 9.3 |
| Trust | 9.8Higher | 9.6 |
Where they rank in our lists
| Ranking | Fidelity | XTB |
|---|---|---|
| Stock and ETF brokers | 37 of 490 | 3 of 490 |
| Forex brokers | 14 of 147 | 2 of 147 |
| Low-spread forex brokers | 12 of 145 | 2 of 145 |
| Brokers for beginners | 12 of 88 | 1 of 88 |
Where each is licensed and available
| Country | Fidelity | XTB |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| Poland | Not confirmed | |
| United Kingdom | Not confirmed | |
| United States | SIPC SIPC member 23292 | Not confirmed |
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
XTB
- xtb.com: 10 facts, checked September 26, 2026
- hello-brokers.com: 5 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- eupersonalfinance.eu: 1 fact, checked September 26, 2026
- linkedin.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Fidelity | XTB |
|---|---|---|
| Features | Fractional shares, Demo account, Mobile app, Crypto, Options, FuturesCovers more | Demo account, Mobile app, Crypto |
| Pricing model | Commission free | Commission free, Low feesCovers more |
| Audience | Beginners, ExperiencedCovers more | Beginners |
| Legal entity | FIDELITY BROKERAGE SERVICES LLC | XTB Limited |
| Headquarters | United States | Cyprus |
| Founded | 1946Lower | 2002 |
| Support channels | Phone, Community | Email, Chat, Phone |
Robo-advisors
| Fact | Fidelity | XTB |
|---|---|---|
| Portfolio types | ETF, ESG, Crypto | Not confirmed |
Where each stands against the rest
| Fact | Fidelity | XTB | Median |
|---|---|---|---|
| Retail accounts that lose money | Not confirmed | 77%highest quarter | 70.375% |
| Currency conversion fee | Not confirmed | 0.5%above the median | 0.4% |
| Margin rate | 12.375%highest quarter | Not confirmed | 8.79% |
| Options contract fee | $0.65above the median | Not confirmed | $0.59 |
Median across 38 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
XTB
Pros
- Account fee of €0 on the standard account, and stock trades cost €0.
- Minimum deposit of €0, so the account opens without a funding floor.
- Regulated by CySEC, the FCA and KNF across Cyprus, the UK and Poland.
Cons
- An inactivity fee of €10 applies, unlike eToro, which has no such charge.
- Forex and CFD trading is not cost free: fx trading costs 0.5%.
- CFDs carry a high proportion of losing retail accounts, and XTB's own figure is 77%.
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
XTB
Who it suits
- Retail traders in the UK and Europe who want stocks, ETFs, forex, CFDs and crypto in one account
- Beginners who want a demo account and a mobile app before committing money
- Cost conscious traders who will not hold a balance large enough to trigger the inactivity fee
Who should look elsewhere
- Vantage, if a small minimum deposit of $5 suits a smaller starting balance better
- CFI, for traders who want forex and CFDs without paying an fx charge of 0.5%
- Anyone who plans to hold an idle balance for a long period, given the inactivity fee of €10
Country by country
| Country | Fidelity | XTB |
|---|---|---|
| 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.
XTB
What does XTB charge to open and hold an account?+
The account fee is €0, so there is no monthly or annual cost to keeping the account open. A stock trade costs €0 on the same account. The only recurring charge to watch is an inactivity fee of €10 for traders whose balance sits idle.
Is there a minimum deposit at XTB?+
The minimum deposit is €0, which means the account can be opened and funded with a small amount. It is a lower floor than the $5 asked by Vantage, so it suits a trader testing the platform before scaling up.
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