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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	UOB Kay Hian utrade.com.sg Stock BrokerETF BrokerETF	Fidelity fidelity.com Stock BrokerETF BrokerETF
Decision summary
Overall score

Trust score	88	100

Cost score	67	89

Platform score	76	94

Withdrawal score	72	89

Best for	Best suited to Singapore investors seeking a MAS-regulated, full-service multi-asset broker with UTRADE platforms, research, local market access, CFDs and leveraged FX; requires m…	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	General brokerage minimum deposit and full withdrawal terms not fully disclosed in extracted public sources · Licence number not visible in MAS extracted content · CFDs/LFX are le…	Needs verification

Trust & regulation
Regulators	Monetary Authority of Singapore (MAS) Source	Fidelity Brokerage Services LLC is SEC registered and regulated by FINRA; FBS and NFS are members of NYSE and SIPC. Source
License numbers	MAS FID page verifies licence status but does not expose a CMS licence number in extracted text; institution detail id 189. Source	FBS CRD# 7784 / SEC# 8-23292; NFS CRD# 13041 / SEC# 801-50706, 8-26740. Source
Regulated entities	UOB KAY HIAN PRIVATE LIMITED, incorporated in Singapore 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	No negative balance protection found; CFD risk disclosure says losses may exceed deposited collateral and client may be liable for deficits. Source	Not applicable/not disclosed as a CFD-style negative balance protection policy; margin trading can create debt/interest obligations. Source
Investor compensation	No investor-compensation scheme coverage statement found in official extracted sources. 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	Site is not directed at residents of the United States and countries belonging to the European Economic Area; not intended where contrary to local law/regulation. Source	U.S.-persons focused; sanctioned countries/prohibited parties restricted; no exhaustive country availability list found. Source

Trust & regulation

Regulators

Monetary Authority of Singapore (MAS)

Source

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

Source

License numbers

MAS FID page verifies licence status but does not expose a CMS licence number in extracted text; institution detail id 189.

Source

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

Source

Regulated entities

UOB KAY HIAN PRIVATE LIMITED, incorporated in Singapore

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

No negative balance protection found; CFD risk disclosure says losses may exceed deposited collateral and client may be liable for deficits.

Source

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

Source

Investor compensation

No investor-compensation scheme coverage statement found in official extracted sources.

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

Site is not directed at residents of the United States and countries belonging to the European Economic Area; not intended where contrary to local law/regulation.

Source

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

Source

Costs & account conditions
Minimum deposit	CFD equities: S$3,000; share margin: S$10,000 cash or S$12,500 marginable securities; general brokerage not disclosed. 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 DMA no added spreads; LFX exact spread-from not disclosed. 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	CFD equity commissions verified by market; traditional SGX share comparison shows 0.275% online and 0.40% broker-assisted. 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	Maximum documented leverage: CFD indices up to 20x; CFD equities up to 10x; share margin 5x credit/4x securities. 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	Most listed deposit methods NIL; telegraphic transfer incurs bank fee. Source	$0 Fidelity fee for EFT and Fidelity does not charge wire fees; external banks may charge. Source
Withdrawal fee	Not fully disclosed; share-margin terms state TT fees and charges 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 schedule found in official extracted sources. 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

CFD equities: S$3,000; share margin: S$10,000 cash or S$12,500 marginable securities; general brokerage not disclosed.

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 DMA no added spreads; LFX exact spread-from not disclosed.

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

CFD equity commissions verified by market; traditional SGX share comparison shows 0.275% online and 0.40% broker-assisted.

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

Maximum documented leverage: CFD indices up to 20x; CFD equities up to 10x; share margin 5x credit/4x securities.

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

Most listed deposit methods NIL; telegraphic transfer incurs bank fee.

Source

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

Source

Withdrawal fee

Not fully disclosed; share-margin terms state TT fees and charges 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 schedule found in official extracted sources.

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	Equities, ETFs, CFDs, leveraged FX, unit trusts, bonds/fixed income and selected leveraged products. Source	Stocks, ETFs, mutual funds, options, crypto, fixed income, bonds and CDs; Fidelity says stocks include domestic and international. Source
Trading platforms	UTRADE Web/Mobile, UTRADE Delta, CFD Pro/Lite/Edge, FX Elite, MT4, Currenex Viking, BondbloX widget. Source	Fidelity.com, Fidelity mobile app, Fidelity Trader+ Web/Desktop/Mobile mode, and legacy Active Trader Pro Classic. Source
Account types	Instant account; Securities and Unit Trust; UTRADE X Cash Upfront; CFD; Leveraged FX/commodities/CFD indices; Robo; margin facility. Source	Broad account menu including taxable brokerage, retirement/IRA, cash management, HSA, custodial/youth, education, trust/business, managed and crypto accounts. Source
Deposit methods	Internet bill payment, FAST transfer, SGD cash at cashier, cheque and telegraphic transfer. 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	CFD withdrawals via trading representative; UCASH advertises T+1 withdrawal; TT fees may apply for margin 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	General withdrawal processing time not disclosed; UCASH promotion says T+1 Withdrawal. 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

Equities, ETFs, CFDs, leveraged FX, unit trusts, bonds/fixed income and selected leveraged products.

Source

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

Source

Trading platforms

UTRADE Web/Mobile, UTRADE Delta, CFD Pro/Lite/Edge, FX Elite, MT4, Currenex Viking, BondbloX widget.

Source

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

Source

Account types

Instant account; Securities and Unit Trust; UTRADE X Cash Upfront; CFD; Leveraged FX/commodities/CFD indices; Robo; margin facility.

Source

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

Source

Deposit methods

Internet bill payment, FAST transfer, SGD cash at cashier, cheque and telegraphic transfer.

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

CFD withdrawals via trading representative; UCASH advertises T+1 withdrawal; TT fees may apply for margin 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

General withdrawal processing time not disclosed; UCASH promotion says T+1 Withdrawal.

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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