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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	XTB xtb.com CFD BrokerForex BrokerForex	Fidelity fidelity.com Stock BrokerETF BrokerETF
Decision summary
Overall score

Trust score	90	100

Cost score	94	89

Platform score	94	94

Withdrawal score	86	89

Best for	Strong low-cost multi-asset and CFD broker, but regional/entity differences are material: leverage, NBP, investor compensation, fees and country acceptance must be rendered per ju…	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	FSC Belize, KNF Poland, FCA UK, CNMV Spain and CySEC Cyprus are disclosed across official XTB pages. Source	Fidelity Brokerage Services LLC is SEC registered and regulated by FINRA; FBS and NFS are members of NYSE and SIPC. Source
License numbers	Key disclosed numbers: FSC Registration No. 6442514 / FSC License No. 000302/438; FCA FRN 522157; CySEC CIF 169/12; UK company number 07227848. Source	FBS CRD# 7784 / SEC# 8-23292; NFS CRD# 13041 / SEC# 801-50706, 8-26740. Source
Regulated entities	XTB Group entities include XTB International Limited (Belize/FSC), XTB S.A. (Poland/KNF), XTB Limited (UK/FCA), XTB Sucursal (Spain/CNMV), and XTB Limited (Cyprus/CySEC). 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 is available for UK retail clients under XTB Limited, but international pages warn that losses can exceed deposits; treat as regional/entity dependent. Source	Not applicable/not disclosed as a CFD-style negative balance protection policy; margin trading can create debt/interest obligations. Source
Investor compensation	UK retail clients may be entitled to FSCS compensation up to GBP 85,000; Cyprus legal page lists an Investor Compensation Fund document; international Belize compensation not found. 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	XTB only accepts clients where it operates and with appropriate permits; XTB International accepted-country list is limited from March 2026; Brazil page is not created for Brazilian residents. Source	U.S.-persons focused; sanctioned countries/prohibited parties restricted; no exhaustive country availability list found. Source

Trust & regulation

Regulators

FSC Belize, KNF Poland, FCA UK, CNMV Spain and CySEC Cyprus are disclosed across official XTB pages.

Source

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

Source

License numbers

Key disclosed numbers: FSC Registration No. 6442514 / FSC License No. 000302/438; FCA FRN 522157; CySEC CIF 169/12; UK company number 07227848.

Source

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

Source

Regulated entities

XTB Group entities include XTB International Limited (Belize/FSC), XTB S.A. (Poland/KNF), XTB Limited (UK/FCA), XTB Sucursal (Spain/CNMV), and XTB Limited (Cyprus/CySEC).

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 is available for UK retail clients under XTB Limited, but international pages warn that losses can exceed deposits; treat as regional/entity dependent.

Source

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

Source

Investor compensation

UK retail clients may be entitled to FSCS compensation up to GBP 85,000; Cyprus legal page lists an Investor Compensation Fund document; international Belize compensation not found.

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

XTB only accepts clients where it operates and with appropriate permits; XTB International accepted-country list is limited from March 2026; Brazil page is not created for Brazilian residents.

Source

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

Source

Costs & account conditions
Minimum deposit	No minimum deposit on the international page; UK page lists 0 GBP / no minimum deposit. 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	Minimum spread is 0.5 on the international page and 0.3 on the UK page, so it is region/entity dependent. 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	Stocks/ETFs are commission-free up to EUR 100,000 monthly turnover, then 0.2% min EUR 10; CFD trading commission is advertised as 0%, with product-specific fees/markups in the fee table. 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	Leverage is region/product dependent: international pages state a maximum of 1:500 for individual clients; UK account page states 1:30; real stocks and ETFs are not leveraged. 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	XTB advertises deposits as free, but international online payment fees include Skrill 2% and Neteller 1%; bank/payment-provider fees may apply. Source	$0 Fidelity fee for EFT and Fidelity does not charge wire fees; external banks may charge. Source
Withdrawal fee	International withdrawals above 50 USD are free and below 50 USD cost 30 USD; UK withdrawals are free; detailed fee table lists additional method-specific fees. 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	Account maintenance is free for active clients; otherwise a monthly fee of 10 EUR may be charged when stated inactivity conditions are met. 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 minimum deposit on the international page; UK page lists 0 GBP / no minimum deposit.

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

Minimum spread is 0.5 on the international page and 0.3 on the UK page, so it is region/entity dependent.

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

Stocks/ETFs are commission-free up to EUR 100,000 monthly turnover, then 0.2% min EUR 10; CFD trading commission is advertised as 0%, with product-specific fees/markups in the fee table.

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

Leverage is region/product dependent: international pages state a maximum of 1:500 for individual clients; UK account page states 1:30; real stocks and ETFs are not leveraged.

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

XTB advertises deposits as free, but international online payment fees include Skrill 2% and Neteller 1%; bank/payment-provider fees may apply.

Source

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

Source

Withdrawal fee

International withdrawals above 50 USD are free and below 50 USD cost 30 USD; UK withdrawals are free; detailed fee table lists additional method-specific fees.

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

Account maintenance is free for active clients; otherwise a monthly fee of 10 EUR may be charged when stated inactivity conditions are met.

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	Official pages list real stocks and ETFs, Investment Plans, and CFDs on forex, indices, commodities, stocks/ETFs and cryptocurrencies. Source	Stocks, ETFs, mutual funds, options, crypto, fixed income, bonds and CDs; Fidelity says stocks include domestic and international. Source
Trading platforms	XTB promotes an award-winning mobile application and web platform; account pages list Mobile, Desktop, Tablet availability and web app links go to xStation5. Source	Fidelity.com, Fidelity mobile app, Fidelity Trader+ Web/Desktop/Mobile mode, and legacy Active Trader Pro Classic. Source
Account types	XTB markets one simple account, offers swap-free accounts for certain eligible countries/entities, and offers a free training/demo account. Source	Broad account menu including taxable brokerage, retirement/IRA, cash management, HSA, custodial/youth, education, trust/business, managed and crypto accounts. Source
Deposit methods	Deposits are available by card, bank transfer, and online payments including Skrill and Neteller on the international page; UK page lists cards and bank 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	Main withdrawal route on pages is a bank account in the client's name; the international fee table also lists withdrawal fees for credit cards and Skrill/Neteller/PayRetailers, implying availability in some contexts. 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	Withdrawal processing is same/next business day on official pages, with UK payment allocation up to 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

Official pages list real stocks and ETFs, Investment Plans, and CFDs on forex, indices, commodities, stocks/ETFs and cryptocurrencies.

Source

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

Source

Trading platforms

XTB promotes an award-winning mobile application and web platform; account pages list Mobile, Desktop, Tablet availability and web app links go to xStation5.

Source

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

Source

Account types

XTB markets one simple account, offers swap-free accounts for certain eligible countries/entities, and offers a free training/demo account.

Source

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

Source

Deposit methods

Deposits are available by card, bank transfer, and online payments including Skrill and Neteller on the international page; UK page lists cards and bank 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

Main withdrawal route on pages is a bank account in the client's name; the international fee table also lists withdrawal fees for credit cards and Skrill/Neteller/PayRetailers, implying availability in some contexts.

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

Withdrawal processing is same/next business day on official pages, with UK payment allocation up to 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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