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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.

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Broker 2

VS field	Interactive Investor ii.co.uk Multi Asset BrokerETF BrokerETF	Fidelity fidelity.com Stock BrokerETF BrokerETF
Decision summary
Overall score

Trust score	88	100

Cost score	84	89

Platform score	82	94

Withdrawal score	78	89

Best for	UK tax-resident self-directed investors · ISA/SIPP investors consolidating larger portfolios · Investors who value flat platform fees over percentage fees	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	Needs verification	Needs verification

Trust & regulation
Regulators	Interactive Investor Services Limited is authorised and regulated by the Financial Conduct Authority. Source	Fidelity Brokerage Services LLC is SEC registered and regulated by FINRA; FBS and NFS are members of NYSE and SIPC. Source
License numbers	Financial Services Register Firm Reference Number 141282. Source	FBS CRD# 7784 / SEC# 8-23292; NFS CRD# 13041 / SEC# 801-50706, 8-26740. Source
Regulated entities	Brokerage services are provided by Interactive Investor Services 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	Negative balance protection not presented as a standard feature; not a leveraged CFD broker. Source	Not applicable/not disclosed as a CFD-style negative balance protection policy; margin trading can create debt/interest obligations. Source
Investor compensation	FSCS protection up to certain limits for eligible customers; details depend on asset/cash arrangement. 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	Retail Trading Account requires UK tax resident aged 18 or over; company accounts have UK restrictions. Treat non-UK availability as needs manual review. Source	U.S.-persons focused; sanctioned countries/prohibited parties restricted; no exhaustive country availability list found. Source

Trust & regulation

Regulators

Interactive Investor Services Limited is authorised and regulated by the Financial Conduct Authority.

Source

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

Source

License numbers

Financial Services Register Firm Reference Number 141282.

Source

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

Source

Regulated entities

Brokerage services are provided by Interactive Investor Services 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

Negative balance protection not presented as a standard feature; not a leveraged CFD broker.

Source

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

Source

Investor compensation

FSCS protection up to certain limits for eligible customers; details depend on asset/cash arrangement.

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

Retail Trading Account requires UK tax resident aged 18 or over; company accounts have UK restrictions. Treat non-UK availability as needs manual review.

Source

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

Source

Costs & account conditions
Minimum deposit	Regular investing minimum is £25 per month; standard account opening/deposit minimum not clearly disclosed in checked pages. 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 or not broker-level for this investment-platform profile; review if leveraged products apply. 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	Trading costs vary by plan: UK/US shares including ETFs and investment trusts from £2.99-£3.99; funds £0-£3.99; other international shares £5.99-£9.99; regular investments free. 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	No leverage product found; platform focuses on funded investment accounts. 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 explicit deposit fee found in checked official sources. Source	$0 Fidelity fee for EFT and Fidelity does not charge wire fees; external banks may charge. Source
Withdrawal fee	SIPP pension cash withdrawals have no additional charges; general withdrawal fee not disclosed in extracted pages. 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 located in official charges page or terms excerpt reviewed. 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

Regular investing minimum is £25 per month; standard account opening/deposit minimum not clearly disclosed in checked pages.

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 or not broker-level for this investment-platform profile; review if leveraged products apply.

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

Trading costs vary by plan: UK/US shares including ETFs and investment trusts from £2.99-£3.99; funds £0-£3.99; other international shares £5.99-£9.99; regular investments free.

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

No leverage product found; platform focuses on funded investment accounts.

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 explicit deposit fee found in checked official sources.

Source

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

Source

Withdrawal fee

SIPP pension cash withdrawals have no additional charges; general withdrawal fee not disclosed in extracted pages.

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 located in official charges page or terms excerpt reviewed.

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	Tradable assets include shares, funds, ETFs, investment trusts, bonds/gilts and money market funds across UK and international markets. Source	Stocks, ETFs, mutual funds, options, crypto, fixed income, bonds and CDs; Fidelity says stocks include domestic and international. Source
Trading platforms	Orders can be placed on the website, by telephone, or through trading apps; ii mobile app supports trading and account management. Source	Fidelity.com, Fidelity mobile app, Fidelity Trader+ Web/Desktop/Mobile mode, and legacy Active Trader Pro Classic. Source
Account types	Core retail accounts include Stocks & Shares ISA, Managed ISA, Personal Pension/SIPP, Trading Account, Junior ISA, Joint Trading Account, Company Account and Cash Savings. Source	Broad account menu including taxable brokerage, retirement/IRA, cash management, HSA, custodial/youth, education, trust/business, managed and crypto accounts. Source
Deposit methods	Funding methods include instant bank payment, debit card, Direct Debit, bank transfer for SIPP contributions and transfers from another provider. 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	Cash withdrawals can be initiated via app in GBP after setting up a withdrawal bank account; SIPP withdrawals include tax-free cash, drawdown and lump sums. 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	Standard withdrawal processing time not found in official sources reviewed. 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

Tradable assets include shares, funds, ETFs, investment trusts, bonds/gilts and money market funds across UK and international markets.

Source

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

Source

Trading platforms

Orders can be placed on the website, by telephone, or through trading apps; ii mobile app supports trading and account management.

Source

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

Source

Account types

Core retail accounts include Stocks & Shares ISA, Managed ISA, Personal Pension/SIPP, Trading Account, Junior ISA, Joint Trading Account, Company Account and Cash Savings.

Source

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

Source

Deposit methods

Funding methods include instant bank payment, debit card, Direct Debit, bank transfer for SIPP contributions and transfers from another provider.

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

Cash withdrawals can be initiated via app in GBP after setting up a withdrawal bank account; SIPP withdrawals include tax-free cash, drawdown and lump sums.

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

Standard withdrawal processing time not found in official sources reviewed.

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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