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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	Trade Republic traderepublic.com Stock BrokerETF BrokerBond	Fidelity fidelity.com Stock BrokerETF BrokerETF
Decision summary
Overall score

Trust score	82	100

Cost score	86	89

Platform score	73	94

Withdrawal score	76	89

Best for	EU retail investors focused on stocks/ETFs and savings plans · Users who value app-based investing plus banking/card features · Low-frequency investors comfortable with a limited…	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	Trade Republic Bank GmbH is supervised by BaFin as a German full bank; branch/regional supervision applies in some countries (e.g. DNB, FMA, Banca d'Italia). ECB banking-license context requires manual confirmation for exact current authorisation details. Source	Fidelity Brokerage Services LLC is SEC registered and regulated by FINRA; FBS and NFS are members of NYSE and SIPC. Source
License numbers	BaFin-ID 10150368; DNB Relationship Number R197802; HRB 244347 B. Source	FBS CRD# 7784 / SEC# 8-23292; NFS CRD# 13041 / SEC# 801-50706, 8-26740. Source
Regulated entities	Trade Republic Bank GmbH plus local branches where applicable. 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	CFD-style negative balance protection is not applicable; customer must settle negative balances that occur exceptionally. Source	Not applicable/not disclosed as a CFD-style negative balance protection policy; margin trading can create debt/interest obligations. Source
Investor compensation	Cash at partner banks protected up to €100,000 per customer per credit institution; money-market fund assets segregated; securities remain customer property. 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	Eligibility is country-specific: residents/tax-liable in the country of registration, European mobile number and SEPA bank account required; U.S. Persons cannot open/maintain custody account. Source	U.S.-persons focused; sanctioned countries/prohibited parties restricted; no exhaustive country availability list found. Source

Trust & regulation

Regulators

Trade Republic Bank GmbH is supervised by BaFin as a German full bank; branch/regional supervision applies in some countries (e.g. DNB, FMA, Banca d'Italia). ECB banking-license context requires manual confirmation for exact current authorisation details.

Costs & account conditions
Minimum deposit	No account minimum deposit disclosed in checked official sources; homepage states investing starts with €1. 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	No fixed spread-from figure disclosed; trades include third-party costs and spreads, and displayed quotes are indicative. 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	€1 for single trades plus third-party costs/spreads; no order commission; savings plans free of brokerage fees. 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 / not offered as margin trading in checked retail brokerage sources; financial-instrument purchases are generally on a non-borrowing basis. 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	SEPA deposit fee not disclosed as charged; instant card/mobile-wallet top-up fee may apply and is shown before payment. Source	$0 Fidelity fee for EFT and Fidelity does not charge wire fees; external banks may charge. Source
Withdrawal fee	€0 for ATM withdrawals above €100; €1 for ATM withdrawals below €100; third-party ATM fees may apply. 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 evidence found in checked official homepage/support/legal excerpts; mark not disclosed until the current List of Prices and Services is reviewed in-app/PDF. 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	Stocks, ETFs, bonds/fixed income, crypto, derivatives, Private Markets and savings plans; availability varies by country. Source	Stocks, ETFs, mutual funds, options, crypto, fixed income, bonds and CDs; Fidelity says stocks include domestic and international. Source
Trading platforms	Mobile app is primary; Web Trading/web-based interface is supplemental where available. Source	Fidelity.com, Fidelity mobile app, Fidelity Trader+ Web/Desktop/Mobile mode, and legacy Active Trader Pro Classic. Source
Account types	Consumer-only retail account with custody account plus cash/current clearing account, savings plans, optional child savings account/card features depending on country. Source	Broad account menu including taxable brokerage, retirement/IRA, cash management, HSA, custodial/youth, education, trust/business, managed and crypto accounts. Source
Deposit methods	SEPA bank transfer, credit/debit card and supported mobile wallets; current account accepts SEPA euro deposits. 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/transfers through app to eligible own account; ATM withdrawals worldwide where Visa accepted for card cash withdrawals. 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	Cash from sales commonly end-of-day/next day; pending funds usually up to 24h; securities account transfer up to about 3 weeks. 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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