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The comparison reads the same evidence fields used by broker profiles, so users can scan scores, regulation, costs, platforms, withdrawals, and caveats side by side.

Broker 1

Broker 2

VS field	AJ Bell ajbell.co.uk ETF BrokerMutual Fund PlatformBond	Fidelity fidelity.com Stock BrokerETF BrokerETF
Decision summary
Overall score

Trust score	91	100

Cost score	83	89

Platform score	84	94

Withdrawal score	82	89

Best for	UK residents investing through ISAs, SIPPs and general dealing accounts who value regulated custody, broad fund/share access and simple transparent platform pricing.	Evidence supports Fidelity as a U.S.-focused, highly regulated multi-asset broker for stocks, ETFs, mutual funds, bonds/CDs, options, cash management, managed portfolios, and sepa…

Watch out	Not a CFD/forex/margin broker; leverage and negative-balance-protection fields are not applicable · International dealing incurs FX charges and some markets are phone-only with mi…	Needs verification

Trust & regulation
Regulators	Authorised and regulated by the Financial Conduct Authority (FCA). Source	Fidelity Brokerage Services LLC is SEC registered and regulated by FINRA; FBS and NFS are members of NYSE and SIPC. Source
License numbers	FCA firm reference numbers: 211468, 155593, 774048. Source	FBS CRD# 7784 / SEC# 8-23292; NFS CRD# 13041 / SEC# 801-50706, 8-26740. Source
Regulated entities	AJ Bell Management Limited, AJ Bell Securities Limited, AJ Bell Asset Management Limited. Source	Primary securities brokerage entities are Fidelity Brokerage Services LLC (FBS) and National Financial Services LLC (NFS), each member NYSE/SIPC; advisory and crypto entities differ by product. Source
Negative balance protection	Not applicable: AJ Bell is an execution-only investment platform/stockbroker, not a CFD/forex margin broker in reviewed sources. Source	Not applicable/not disclosed as a CFD-style negative balance protection policy; margin trading can create debt/interest obligations. Source
Investor compensation	FSCS eligible investment protection up to £85,000; cash protection up to £120,000 per banking licence/bank. Source	SIPC coverage up to $500,000/$250,000 cash plus Fidelity excess SIPC; FDIC sweep coverage may apply to eligible cash programs; important exclusions apply. Source
Restricted countries	UK residency/tax-residency requirements found for ISA/SIPP; no global availability list found. Source	U.S.-persons focused; sanctioned countries/prohibited parties restricted; no exhaustive country availability list found. Source

Trust & regulation

Regulators

Authorised and regulated by the Financial Conduct Authority (FCA).

Source

Fidelity Brokerage Services LLC is SEC registered and regulated by FINRA; FBS and NFS are members of NYSE and SIPC.

Source

License numbers

FCA firm reference numbers: 211468, 155593, 774048.

Source

FBS CRD# 7784 / SEC# 8-23292; NFS CRD# 13041 / SEC# 801-50706, 8-26740.

Source

Regulated entities

AJ Bell Management Limited, AJ Bell Securities Limited, AJ Bell Asset Management Limited.

Source

Primary securities brokerage entities are Fidelity Brokerage Services LLC (FBS) and National Financial Services LLC (NFS), each member NYSE/SIPC; advisory and crypto entities differ by product.

Source

Negative balance protection

Not applicable: AJ Bell is an execution-only investment platform/stockbroker, not a CFD/forex margin broker in reviewed sources.

Source

Not applicable/not disclosed as a CFD-style negative balance protection policy; margin trading can create debt/interest obligations.

Source

Investor compensation

FSCS eligible investment protection up to £85,000; cash protection up to £120,000 per banking licence/bank.

Source

SIPC coverage up to $500,000/$250,000 cash plus Fidelity excess SIPC; FDIC sweep coverage may apply to eligible cash programs; important exclusions apply.

Source

Restricted countries

UK residency/tax-residency requirements found for ISA/SIPP; no global availability list found.

Source

U.S.-persons focused; sanctioned countries/prohibited parties restricted; no exhaustive country availability list found.

Source

Costs & account conditions
Minimum deposit	ISA/dealing initial minimum £250; pension initial minimum £500; Direct Debit from £25/month; no future minimum after that. Source	$0 to open a retail brokerage account; Fidelity states no account minimum and ability to invest with as little as $1; exceptions apply by account/product. Source
Spread from	Not applicable/not disclosed for execution-only share/fund platform; share trades use quotes and investment-specific market pricing, not broker-advertised spreads. Source	Not applicable to Fidelity's core U.S. stock/ETF brokerage model; securities trade by exchange/market prices rather than quoted CFD/FX spreads. Source
Commission	Commission/dealing charges are fixed per deal rather than percentage commissions for standard online orders. Source	$0 online U.S. stock and ETF trades; $0 online options commission plus $0.65/contract; other product/service fees apply. Source
Maximum leverage	Not applicable: no margin/CFD/forex leverage offering found in reviewed official sources. Source	No universal maximum leverage ratio disclosed for Fidelity retail brokerage; margin borrowing is available subject to approval and margin requirements/rates rather than a single max leverage figure. Source
Deposit fee	No standard deposit fee disclosed; Cash savings hub explicitly no charge for depositing. Source	$0 Fidelity fee for EFT and Fidelity does not charge wire fees; external banks may charge. Source
Withdrawal fee	Free withdrawals for ISA/dealing and SIPP drawdown; LISA/SIPP rules may restrict access. Source	$0 Fidelity fee for EFT and domestic bank wire withdrawals; foreign exchange wire up to 3% of principal; receiving bank may charge. Source
Inactivity fee	No inactivity fee found in reviewed official charges pages; mark not disclosed rather than zero. Source	No explicit inactivity-fee line found in official fee schedule; official account pages state no retail brokerage account fees/no account or subscription fees. Treat as needs manual confirmation before publishing as '$0 inactivity fee'. Source

Costs & account conditions

Minimum deposit

ISA/dealing initial minimum £250; pension initial minimum £500; Direct Debit from £25/month; no future minimum after that.

Source

$0 to open a retail brokerage account; Fidelity states no account minimum and ability to invest with as little as $1; exceptions apply by account/product.

Source

Spread from

Not applicable/not disclosed for execution-only share/fund platform; share trades use quotes and investment-specific market pricing, not broker-advertised spreads.

Source

Not applicable to Fidelity's core U.S. stock/ETF brokerage model; securities trade by exchange/market prices rather than quoted CFD/FX spreads.

Source

Commission

Commission/dealing charges are fixed per deal rather than percentage commissions for standard online orders.

Source

$0 online U.S. stock and ETF trades; $0 online options commission plus $0.65/contract; other product/service fees apply.

Source

Maximum leverage

Not applicable: no margin/CFD/forex leverage offering found in reviewed official sources.

Source

No universal maximum leverage ratio disclosed for Fidelity retail brokerage; margin borrowing is available subject to approval and margin requirements/rates rather than a single max leverage figure.

Source

Deposit fee

No standard deposit fee disclosed; Cash savings hub explicitly no charge for depositing.

Source

$0 Fidelity fee for EFT and Fidelity does not charge wire fees; external banks may charge.

Source

Withdrawal fee

Free withdrawals for ISA/dealing and SIPP drawdown; LISA/SIPP rules may restrict access.

Source

$0 Fidelity fee for EFT and domestic bank wire withdrawals; foreign exchange wire up to 3% of principal; receiving bank may charge.

Source

Inactivity fee

No inactivity fee found in reviewed official charges pages; mark not disclosed rather than zero.

Source

No explicit inactivity-fee line found in official fee schedule; official account pages state no retail brokerage account fees/no account or subscription fees. Treat as needs manual confirmation before publishing as '$0 inactivity fee'.

Source

Markets, platforms & payments
Tradable assets	Shares, funds, ETFs, investment trusts, bonds/gilts, ETCs, warrants, VCTs/IPOs/new issues. Source	Stocks, ETFs, mutual funds, options, crypto, fixed income, bonds and CDs; Fidelity says stocks include domestic and international. Source
Trading platforms	Web platform and AJ Bell mobile app. Source	Fidelity.com, Fidelity mobile app, Fidelity Trader+ Web/Desktop/Mobile mode, and legacy Active Trader Pro Classic. Source
Account types	Stocks & shares ISA, Lifetime ISA, Junior ISA, SIPP, Ready-made pension, Junior SIPP, Dealing account, Cash savings hub. Source	Broad account menu including taxable brokerage, retirement/IRA, cash management, HSA, custodial/youth, education, trust/business, managed and crypto accounts. Source
Deposit methods	Instant bank transfer, debit card, Direct Debit, faster payments for cash savings, employer SIPP contributions by cheque or Direct Debit. Source	EFT/ACH, bank wire, check/mobile check, direct deposit, recurring deposit, Fidelity-to-Fidelity/account transfer, transfer of assets, and eligible payment apps. Source
Withdrawal methods	Online withdrawal to registered bank account for ISA/dealing; regular cash withdrawal form; product-specific pension/LISA/cash-savings rules. Source	EFT/ACH, bank wire, paper check, Fidelity-to-Fidelity transfers, third-party/person-to-person transfers and eligible debit card/ATM access. Source
Withdrawal processing time	1-3 working days for ISA/dealing withdrawals. Source	EFT withdrawals 1-3 business days; bank wire same day if submitted by 4 p.m. ET; paper check about 5-6 days. Source

Markets, platforms & payments

Tradable assets

Shares, funds, ETFs, investment trusts, bonds/gilts, ETCs, warrants, VCTs/IPOs/new issues.

Source

Stocks, ETFs, mutual funds, options, crypto, fixed income, bonds and CDs; Fidelity says stocks include domestic and international.

Source

Trading platforms

Web platform and AJ Bell mobile app.

Source

Fidelity.com, Fidelity mobile app, Fidelity Trader+ Web/Desktop/Mobile mode, and legacy Active Trader Pro Classic.

Source

Account types

Stocks & shares ISA, Lifetime ISA, Junior ISA, SIPP, Ready-made pension, Junior SIPP, Dealing account, Cash savings hub.

Source

Broad account menu including taxable brokerage, retirement/IRA, cash management, HSA, custodial/youth, education, trust/business, managed and crypto accounts.

Source

Deposit methods

Instant bank transfer, debit card, Direct Debit, faster payments for cash savings, employer SIPP contributions by cheque or Direct Debit.

Source

EFT/ACH, bank wire, check/mobile check, direct deposit, recurring deposit, Fidelity-to-Fidelity/account transfer, transfer of assets, and eligible payment apps.

Source

Withdrawal methods

Online withdrawal to registered bank account for ISA/dealing; regular cash withdrawal form; product-specific pension/LISA/cash-savings rules.

Source

EFT/ACH, bank wire, paper check, Fidelity-to-Fidelity transfers, third-party/person-to-person transfers and eligible debit card/ATM access.

Source

Withdrawal processing time

1-3 working days for ISA/dealing withdrawals.

Source

EFT withdrawals 1-3 business days; bank wire same day if submitted by 4 p.m. ET; paper check about 5-6 days.

Source

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