Updated September 29, 2026 · SumCue Editorial Team
eToro vs Fidelity
eToro
Fidelity
Higher score in this comparison
Where eToro and Fidelity differ
| Compare | eToroReviewVisitVisit | FidelityReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | $1 to $10,000 | $0Lower |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, Futures | Stocks, ETFs, Options, Bonds, Funds, Futures, Forex |
| Regulators | Cyprus Securities and Exchange Commission (CySEC), SIPC | SEC, FINRA, SIPC |
| Investor protection | EU ICS up to EUR 20,000 | SIPC up to USD 500,000 |
| Account types | ISA | IRA, Roth IRA, Joint |
| Inactivity fee | Not confirmed | $0 |
| Margin rate | Not confirmed | 12.375% |
| Options contract fee | Not confirmed | $0.65 |
Same on both: Stock trade fee ($0), Account fee ($0).
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Key differences
- Fidelity scores higher overall: 9.5 vs 9.2.
- Regulators: only eToro offers Cyprus Securities and Exchange Commission (CySEC).
- Regulators: only Fidelity offers SEC, FINRA.
- Founded is lower at Fidelity: 1946 vs 2007.
- eToro is licensed in 1 more country.
- Minimum deposit is lower at Fidelity: $0 vs $1 to $10,000.
- Markets: only eToro offers CFDs, Crypto.
- Markets: only Fidelity offers Options, Bonds, Funds.
- Account types: only eToro offers ISA.
- Account types: only Fidelity offers IRA, Roth IRA, Joint.
Our verdict on each
eToro
eToro suits new investors who want shares, crypto and cash interest in a single app, with an account fee of $0 and a stock trade fee of $0. The catch is the withdrawal fee of $5 flat fee, which makes it a poor fit for anyone moving small sums in and out often.
Fidelity
Fidelity suits US investors who want a broad brokerage without a monthly charge, and its stock trade fee and minimum deposit both sit at $0 and $0. The catch is the wider set of charges around the edges, and support that runs on phone and community.
Score breakdown
| Area | eToro | Fidelity |
|---|---|---|
| Cost | 9.3HigherAccount fee $0 and stock trade fee $0 rank 1 and 1, while withdrawals cost $5 flat fee. | 9.1Stock trade fee $0 and account fee $0, offset by options at $0.65 and margin at 12.375%. |
| Offer | 8.8 | 9.5Higher |
| Trust | 9.2 | 9.8Higher |
How they place
| Ranking | eToro | Fidelity |
|---|---|---|
| Investing | 5 of 654 | 62 of 654 |
| Stock and ETF brokers | 4 of 358 | 37 of 358 |
| Forex brokers | 4 of 147 | 19 of 147 |
| Robo-advisors | 1 of 154 | 11 of 154 |
The bill, worked out
A year: 5,000 invested, 4 US stock trades a month
eToro
$0
48 × $0 + 1 × $0
Fidelity
$0
48 × $0 + 1 × $0
Both come to the same total.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Side by side, item by item
| Markets | eToro | Fidelity |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | Yes |
| CFDs | Yes | No |
| Options | No | Yes |
| Futures | Yes | Yes |
| Crypto | Yes | No |
| Bonds | No | Yes |
| Funds | No | Yes |
| Account types | eToro | Fidelity |
|---|---|---|
| ISA | Yes | No |
| IRA | No | Yes |
| Roth IRA | No | Yes |
| Joint | No | Yes |
Every fact side by side
| Fact | eToro | Fidelity |
|---|---|---|
| Features | Crypto, Demo account, Fractional shares, Copy trading, Mobile app | Fractional shares, Demo account, Mobile app, Crypto, Options, Futures |
| Pricing model | Commission free | Commission free |
| Audience | Beginners | Beginners, ExperiencedCovers more |
| Legal entity | eToro (Europe) Ltd | FIDELITY BROKERAGE SERVICES LLC |
| Headquarters | Cyprus | United States |
| Founded | 2007 | 1946Lower |
| Support channels | Help centre | Phone, Community |
Crypto exchanges
| Fact | eToro | Fidelity |
|---|---|---|
| Taker fee | 1% | Not confirmed |
| Coins listed | from 150 | Not confirmed |
| Fiat deposit methods | Card, Bank | Not confirmed |
| Withdrawal fee | $5 flat fee | Not confirmed |
| Derivatives | Yes | Not confirmed |
| Exchange type | Cex | Not confirmed |
Savings
| Fact | eToro | Fidelity |
|---|---|---|
| Headline rate | 3.8% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Access terms | Interest on USD cash balance, no lock-in, withdraw at any time, calculated daily and paid monthly | Not confirmed |
| Monthly fee | $0 | Not confirmed |
| Account kind | Cash management | Not confirmed |
Robo-advisors
| Fact | eToro | Fidelity |
|---|---|---|
| Management fee | 0% | Not confirmed |
| Minimum investment | $500 | Not confirmed |
| Portfolio types | ETF, ESG, Cash, CryptoCovers more | ETF, ESG, Crypto |
Crypto wallets
| Fact | eToro | Fidelity |
|---|---|---|
| Wallet type | Mobile | Not confirmed |
| Custody | Custodial | Not confirmed |
Where each stands against the rest
| Fact | eToro | Fidelity | Median |
|---|---|---|---|
| Minimum deposit | $1 to $10,000below the median | $0below the median | $23.50 |
| Stock trade fee | $0at the median | $0at the median | $0 |
| Account fee | $0at the median | $0at the median | $0 |
| Inactivity fee | Not confirmed | $0at the median | $0 |
| Margin rate | Not confirmed | 12.375%highest quarter | 8.83% |
| Options contract fee | Not confirmed | $0.65at the median | $0.65 |
Median across 138 listed providers.
Pros and cons
eToro
Pros
- Interest on the USD cash balance pays 3.8% on a variable basis, calculated daily and paid monthly, and withdrawals are allowed at any time.
- Regulated by Cyprus Securities and Exchange Commission (CySEC) and SIPC, with client asset protection of EU ICS up to EUR 20,000 and deposit protection of EU DGS up to EUR 100,000.
- Minimum deposit $1 to $10,000 and minimum portfolio investment $500 keep the starting point low, and fractional shares are among the listed features.
Cons
- Withdrawal costs $5 flat fee each time, which makes small, regular transfers expensive next to the $0 stock trade fee.
- Client asset protection of EU ICS up to EUR 20,000 sits well below deposit protection of EU DGS up to EUR 100,000, so a large share portfolio can outrun the cover.
- Taker fee 1% sits above the 0.25% median, which matters for anyone trading crypto often rather than holding.
Fidelity
Pros
- Stock trades cost $0 and the account fee is $0
- Minimum deposit is $0, so accounts open at any size
- Regulated in the US by SEC, FINRA and SIPC
Cons
- Options trades are charged $0.65 per contract
- Support runs on phone and community only
- Margin borrowing starts at 12.375%, so leverage carries its own cost
Who each suits
eToro
Who it suits
- New investors, since the audience is listed as beginners and the minimum deposit is $1 to $10,000.
- Investors who want cash and markets together, with USD balance interest at 3.8% alongside stocks, etfs and forex.
- UK savers who want a tax wrapper, since an ISA sits among the isa on offer.
Who should look elsewhere
- bunq, which covers stocks, etfs and crypto and suits anyone who wants shares, ETFs and crypto and can set derivatives aside.
- CFI, for readers who want stocks, etfs and forex and can leave futures aside; eToro is the wider of the two.
- Fiesta Credito MX, which answers to CONDUSEF rather than Cyprus Securities and Exchange Commission (CySEC) and SIPC, for readers trading outside those markets.
Fidelity
Who it suits
- Beginners opening a first account with a small deposit
- Experienced traders who want a wide market list in one place
- Retirement savers using the available retirement account types
Who should look elsewhere
- Anyone wanting a broker with no product charges, since options cost $0.65
- Support-first users, as help runs on phone and community
- People who borrow on margin, where the rate starts at 12.375%
Country by country
| Country | eToro | Fidelity |
|---|---|---|
| United States | No | Yes |
Questions about each
eToro
What does eToro charge to open and run an account?+
The account fee is $0 and the monthly fee is $0, so the account costs nothing to hold. Stock trades are charged at $0 and the platform describes itself as commission-free. Managed portfolios carry a management fee of 0%. Money moving out is the exception, at $5 flat fee per withdrawal.
Is my money protected at eToro?+
eToro is regulated by Cyprus Securities and Exchange Commission (CySEC) and SIPC. Client assets sit under investor protection of EU ICS up to EUR 20,000, while cash deposits are covered by a separate scheme at EU DGS up to EUR 100,000. These ceilings are very different, so anyone holding a large share portfolio should treat the lower figure as the real limit on recovery.
Fidelity
What does it cost to trade stocks at Fidelity?+
Trading stocks costs $0 per trade, on a commission-free model. The account fee is also $0, so there is nothing to pay for holding an account open. Options and margin are the exceptions, and both are priced separately.
Is there a minimum deposit to open an account?+
The minimum deposit is $0, so there is no floor to meet before you can start. Small sums can go in from the beginning. Account types include a retirement account, a Roth retirement account and a joint account.
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eToro
Fidelity