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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	XP Investimentos xpi.com.br Stock BrokerETF BrokerETF	Fidelity fidelity.com Stock BrokerETF BrokerETF
Decision summary
Overall score

Trust score	86	100

Cost score	78	89

Platform score	84	94

Withdrawal score	72	89

Best for	Brazil residents with CPF seeking a multi-asset investment platform · Investors who value advisory plus self-directed Home Broker access · Active B3 traders who need advanced char…	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	Banco Central do Brasil, CVM, B3/BSM context, ANBIMA self-regulation references. Source	Fidelity Brokerage Services LLC is SEC registered and regulated by FINRA; FBS and NFS are members of NYSE and SIPC. Source
License numbers	CNPJ 02.332.886/0001-04; CVM custodian registry CNPJ 002332886000104. Source	FBS CRD# 7784 / SEC# 8-23292; NFS CRD# 13041 / SEC# 801-50706, 8-26740. Source
Regulated entities	XP Investimentos CCTVM S.A. and Banco XP S.A. appear in CVM custodian records / official disclosures. 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 a CFD-style NBP disclosure; negative cash balance charges are disclosed instead. Source	Not applicable/not disclosed as a CFD-style negative balance protection policy; margin trading can create debt/interest obligations. Source
Investor compensation	FGC coverage for eligible credit/deposit instruments only; not blanket securities-market protection. 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	Brazil-focused; no complete country eligibility/restriction matrix found. Source	U.S.-persons focused; sanctioned countries/prohibited parties restricted; no exhaustive country availability list found. Source

Trust & regulation

Regulators

Banco Central do Brasil, CVM, B3/BSM context, ANBIMA self-regulation references.

Source

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

Source

License numbers

CNPJ 02.332.886/0001-04; CVM custodian registry CNPJ 002332886000104.

Source

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

Source

Regulated entities

XP Investimentos CCTVM S.A. and Banco XP S.A. appear in CVM custodian records / official disclosures.

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 a CFD-style NBP disclosure; negative cash balance charges are disclosed instead.

Source

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

Source

Investor compensation

FGC coverage for eligible credit/deposit instruments only; not blanket securities-market protection.

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

Brazil-focused; no complete country eligibility/restriction matrix found.

Source

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

Source

Costs & account conditions
Minimum deposit	No universal account minimum found in reviewed public account-opening 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 a forex/CFD spread quote; FX conversion spread page shows regressivo 2.25% to 1.30% depending on segment/value transferred. 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	R$0 self-service equities/BDRs for key modes; assisted/desk/risk brokerage and other charges can 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	Universal maximum leverage not found; product-specific alavancagem needs manual review. 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	General deposit fee not found in reviewed public pages. Source	$0 Fidelity fee for EFT and Fidelity does not charge wire fees; external banks may charge. Source
Withdrawal fee	General withdrawal fee not found in reviewed public 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 general inactivity fee found in reviewed public pages. 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

No universal account minimum found in reviewed public account-opening 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 a forex/CFD spread quote; FX conversion spread page shows regressivo 2.25% to 1.30% depending on segment/value transferred.

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

R$0 self-service equities/BDRs for key modes; assisted/desk/risk brokerage and other charges can 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

Universal maximum leverage not found; product-specific alavancagem needs manual review.

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

General deposit fee not found in reviewed public pages.

Source

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

Source

Withdrawal fee

General withdrawal fee not found in reviewed public 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 general inactivity fee found in reviewed public pages.

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/BDRs, ETFs, options, futures/minicontracts, funds, FIIs, fixed income, public offerings, COE, pension/insurance and some global-investment products subject to eligibility. Source	Stocks, ETFs, mutual funds, options, crypto, fixed income, bonds and CDs; Fidelity says stocks include domestic and international. Source
Trading platforms	Home Broker XP, XP app, advanced charting/trading platforms, robot/automation platforms, TradeMap and tax tools. Source	Fidelity.com, Fidelity mobile app, Fidelity Trader+ Web/Desktop/Mobile mode, and legacy Active Trader Pro Classic. Source
Account types	Individual, PJ/business, minor-registration guidance, and digital/investment account flows. 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 transfer, Pix and internal digital/investment account transfers are evidenced but support-page body extraction was limited. 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	TED withdrawal via Portal XP, Pix/transfer from digital account and internal transfers, subject to manual confirmation. 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	No reliable public withdrawal-processing time found. 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

Stocks/BDRs, ETFs, options, futures/minicontracts, funds, FIIs, fixed income, public offerings, COE, pension/insurance and some global-investment products subject to eligibility.

Source

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

Source

Trading platforms

Home Broker XP, XP app, advanced charting/trading platforms, robot/automation platforms, TradeMap and tax tools.

Source

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

Source

Account types

Individual, PJ/business, minor-registration guidance, and digital/investment account flows.

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 transfer, Pix and internal digital/investment account transfers are evidenced but support-page body extraction was limited.

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

TED withdrawal via Portal XP, Pix/transfer from digital account and internal transfers, subject to manual confirmation.

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

No reliable public withdrawal-processing time found.

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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