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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	Trading 212 trading212.com Stock BrokerETF BrokerStock CFD	Fidelity fidelity.com Stock BrokerETF BrokerETF
Decision summary
Overall score

Trust score	87	100

Cost score	84	89

Platform score	78	94

Withdrawal score	80	89

Best for	Beginner and intermediate stock/ETF investors · UK investors eligible for ISA/SIPP products · Mobile-first users seeking low headline commissions	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	FCA; BaFin; CySEC; ASIC; Bulgaria Financial Supervision Commission 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 609146; BaFin 10109603; CySEC 398/21; ASIC AFSL 541122; Bulgaria FSC RG-03-0237 Source	FBS CRD# 7784 / SEC# 8-23292; NFS CRD# 13041 / SEC# 801-50706, 8-26740. Source
Regulated entities	Trading 212 UK Ltd.; Trading 212 Markets Ltd.; Trading 212 EU GmbH; Trading 212 AU PTY LTD; Trading 212 Ltd. 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	Retail CFD negative balance protection applies; Trading 212 says retail clients cannot lose more than funds deposited and negative balances are adjusted to zero. AU protection is explicitly per AU CFD account. Source	Not applicable/not disclosed as a CFD-style negative balance protection policy; margin trading can create debt/interest obligations. Source
Investor compensation	Entity-dependent: UK investment protection FSCS up to GBP 85,000; UK partner-bank deposit protection up to GBP 120,000 per banking group; Cyprus/Bulgaria ICF and German EdW up to 90% limited to EUR 20,000; Germany bank deposit protection up to EUR 100,000 per person per partner 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	Not directed at residents of the United States, Canada and Belgium; other jurisdictions may also be restricted where distribution/use would be contrary to local law or regulation. Source	U.S.-persons focused; sanctioned countries/prohibited parties restricted; no exhaustive country availability list found. Source

Trust & regulation

Regulators

FCA; BaFin; CySEC; ASIC; Bulgaria Financial Supervision Commission

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 609146; BaFin 10109603; CySEC 398/21; ASIC AFSL 541122; Bulgaria FSC RG-03-0237

Source

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

Source

Regulated entities

Trading 212 UK Ltd.; Trading 212 Markets Ltd.; Trading 212 EU GmbH; Trading 212 AU PTY LTD; Trading 212 Ltd.

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

Retail CFD negative balance protection applies; Trading 212 says retail clients cannot lose more than funds deposited and negative balances are adjusted to zero. AU protection is explicitly per AU CFD account.

Source

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

Source

Investor compensation

Entity-dependent: UK investment protection FSCS up to GBP 85,000; UK partner-bank deposit protection up to GBP 120,000 per banking group; Cyprus/Bulgaria ICF and German EdW up to 90% limited to EUR 20,000; Germany bank deposit protection up to EUR 100,000 per person per partner 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

Not directed at residents of the United States, Canada and Belgium; other jurisdictions may also be restricted where distribution/use would be contrary to local law or regulation.

Source

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

Source

Costs & account conditions
Minimum deposit	Invest/ISA terms show £1 minimum deposit where available; CFD terms show £10/€10/$10; Crypto terms/help show €1/$1. Minimum depends on region and account type. 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	CFD spreads are dynamic and change depending on underlying market conditions; average spread is shown per instrument on Trading 212's CFD instruments page/app. 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	Invest/ISA/SIPP trading commission is free; CFD trading commission is free; FX/spread/overnight and third-party costs may apply. 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	Retail CFD leverage/margin: major currency pairs 1:30; minor currency pairs/gold/major indices 1:20; other commodities/minor indices 1:10; stocks and ETFs 1:5; crypto-asset CFDs 1:2 for Australian retail clients. Professional-account terms may differ. 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	Bank transfers and instant bank transfers remain free. Card, Google Pay, Apple Pay, OpenBankingPL or Klarna deposits to Invest/ISA are fee-free until cumulative GBP/EUR 2,000; after that 0.7%. CFD deposits remain fee-free. Source	$0 Fidelity fee for EFT and Fidelity does not charge wire fees; external banks may charge. Source
Withdrawal fee	Trading 212 does not charge withdrawal fees; receiving banks/payment processors may charge their own fees outside Trading 212's control. 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 fees associated with a Trading 212 account. 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

Invest/ISA terms show £1 minimum deposit where available; CFD terms show £10/€10/$10; Crypto terms/help show €1/$1. Minimum depends on region and account type.

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

CFD spreads are dynamic and change depending on underlying market conditions; average spread is shown per instrument on Trading 212's CFD instruments page/app.

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

Invest/ISA/SIPP trading commission is free; CFD trading commission is free; FX/spread/overnight and third-party costs may apply.

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

Retail CFD leverage/margin: major currency pairs 1:30; minor currency pairs/gold/major indices 1:20; other commodities/minor indices 1:10; stocks and ETFs 1:5; crypto-asset CFDs 1:2 for Australian retail clients. Professional-account terms may differ.

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

Bank transfers and instant bank transfers remain free. Card, Google Pay, Apple Pay, OpenBankingPL or Klarna deposits to Invest/ISA are fee-free until cumulative GBP/EUR 2,000; after that 0.7%. CFD deposits remain fee-free.

Source

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

Source

Withdrawal fee

Trading 212 does not charge withdrawal fees; receiving banks/payment processors may charge their own fees outside Trading 212's control.

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 fees associated with a Trading 212 account.

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	Invest and Stocks ISA: ordinary shares, preferred shares, ETFs, ETPs, ETCs, REITs and investment trusts. CFD: forex, stocks, ETFs, index futures, commodity futures, forex futures, treasury futures and cryptocurrencies where available. Source	Stocks, ETFs, mutual funds, options, crypto, fixed income, bonds and CDs; Fidelity says stocks include domestic and international. Source
Trading platforms	Trading 212 proprietary web and mobile apps; official site prompts users to get the app and open/log in online; app store pages are linked via Trading 212 GetTheApp. Source	Fidelity.com, Fidelity mobile app, Fidelity Trader+ Web/Desktop/Mobile mode, and legacy Active Trader Pro Classic. Source
Account types	Invest, Stocks ISA, SIPP, CFD, Cash ISA, Crypto, and card-related services; availability depends on profile and jurisdiction. Source	Broad account menu including taxable brokerage, retirement/IRA, cash management, HSA, custodial/youth, education, trust/business, managed and crypto accounts. Source
Deposit methods	Bank transfers, instant bank transfers, card payments, OnlineBankingPL, Carte Bancaire, Blik, Direct eBanking, Apple/Google Pay and iDEAL; availability varies by region/account type. 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	Withdrawals are made in-app by selecting an account, amount and payment method; exact methods depend on previously verified/available payment methods and region/account type. 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	Withdrawals may take up to three business days after execution; pending withdrawals awaiting settlement can take 1–2 business days before processing; SWIFT/some card payouts may take 2–3 business days. 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

Invest and Stocks ISA: ordinary shares, preferred shares, ETFs, ETPs, ETCs, REITs and investment trusts. CFD: forex, stocks, ETFs, index futures, commodity futures, forex futures, treasury futures and cryptocurrencies where available.

Source

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

Source

Trading platforms

Trading 212 proprietary web and mobile apps; official site prompts users to get the app and open/log in online; app store pages are linked via Trading 212 GetTheApp.

Source

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

Source

Account types

Invest, Stocks ISA, SIPP, CFD, Cash ISA, Crypto, and card-related services; availability depends on profile and jurisdiction.

Source

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

Source

Deposit methods

Bank transfers, instant bank transfers, card payments, OnlineBankingPL, Carte Bancaire, Blik, Direct eBanking, Apple/Google Pay and iDEAL; availability varies by region/account type.

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

Withdrawals are made in-app by selecting an account, amount and payment method; exact methods depend on previously verified/available payment methods and region/account type.

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

Withdrawals may take up to three business days after execution; pending withdrawals awaiting settlement can take 1–2 business days before processing; SWIFT/some card payouts may take 2–3 business days.

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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