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Fidelity investment platform review
Useful accessibility features and discounts for regular investing
Fidelity International is the non-US arm of Fidelity Investments, which runs investment funds in addition to the direct-to-consumer platform.
You can invest in a wide range of accounts with Fidelity, including a stocks and shares Isa, Sipp, lifetime Isa and junior Isa.
The minimum investment for a stocks and shares Isa or general investment account is £25 for a regular savings plan, or a lump sum of £1,000.
Please note that this article is for information purposes only and does not constitute advice. Please refer to the particular T&Cs of an investment platform before committing to any financial products.
Does Fidelity International offer the best stocks and shares Isa?
Fidelity International
Fidelity International's scores from customers (69%), and from us for fees (29%) and assets (25%) were all below average.
If you're thinking of using Fidelity International to take an income from your pension in a drawdown plan, read our comparison of pension drawdown plans and charges.
This applies to each trade of investments denominated in another currency, for example US stocks, on top of fund and trading charges.
0.75% on a trade worth up to £10,000
0.5% between £10,000 to £20,000
0.25% on more than £20,000
Fidelity International pays 2.45% interest on uninvested cash.
'Not enough to show value for money'
Megan Thomas, Which? investments writer, says:
Fidelity International doesn't have as many stocks or other investments to choose from as some of the other platforms – close to 6,000, compared to 24,000 for the platform with the most.
However, Fidelity has a wide range of accessibility features and offers services such as third-party access (giving permission to a relative or carer to manage money on your behalf) and 'next-generation text' (to help communicate on the phone via text relay), which other platforms don't.
Users gave Fidelity just two stars for value for money, and our analysis of fees found it was one of the most expensive platforms for investors with less than £50,000 in their portfolio.
However, customers on a regular savings plan (essentially a direct debit set up to regularly invest) will gain access to lower-cost investing.
What do customers say about Fidelity International?
Fidelity International customers scored it 69%, making it 16th in our survey.
Comments from Fidelity International customers who took part in our survey include:
‘Simple to use, easy to understand website and app. Lots of information about investments and plenty of choice. When calling (not very often) easy to deal with.'
'It's a competent though rather unsophisticated platform. Charges are reasonable but by no means the best.'
'I like the platform for regular updates, articles and choice of investments. I find it easy to use and when I have needed to talk to them, I have found them communicative. Good. My only reservation is overall cost which is something I will be looking into in the future.'
Visit Fidelity International to find out more about its accounts, services and investment options.
Fidelity International customer scores in more detail
Aspect of service
Star rating
Customer service
★★★★☆
Ease of use
★★★★☆
Information on investments
★★★☆☆
Value for money
★★☆☆☆
These results are based on a January 2026 online survey of 3,053 adults – members of the Which? Connect panel and members of the public – who told us about 4,146 experiences with stocks and shares Isas. Fidelity International results based on a sample size of 354.
Is Fidelity International safe?
Fidelity International is regulated by the Financial Conduct Authority and covered by the Financial Services Compensation Scheme (FSCS).
If Fidelity International went bust and its other arrangements to protect your money failed, the FSCS will cover up to £85,000 of investments per person per platform. You can claim for free online at www.fscs.org.uk – there's no reason to use a claims management company.
Our overall score is based on a combination of customer score, fees score, and assets score.
We don't analyse the performance of investments listed by investment platforms, as different investors will opt for different investments.
Customer score and ratings
We surveyed 3,053 investors – members of the Which? Connect panel and of the public – who gave 4,146 reviews of stocks and shares Isas in January 2026.
Each platform must get at least 30 responses to receive a customer score, which is based on overall satisfaction and likelihood to recommend.
The customer score makes up 60% of the overall score.
We also ask investors to rate their current platform for customer service, ease of use, information on investments, and value for money.
Fees score
The fees score uses snapshots of account and transaction fees at £5,000, £10,000, £25,000, £50,000, £100,000, £250,000, and £500,000. The fees assume four purchases and four sales in a year, spaced out in across months.
Fees are weighted higher closer to £50,000 as this is close to the average portfolio size, according to HMRC data.
The scores are assigned relative to the cheapest platform which would receive a score of 100%.
The fees score makes up 30% of the overall score.
Assets score
The assets score adds together all of the assets available within a stocks and shares Isa and assigns a score relative to the maximum out of the providers which receives 100%.
The assets score makes up 10% of the overall score.
To be considered to be a Which? Recommended Provider (WRP), the platform needs to have an overall score of 70% or higher.
Companies that reach this score are excluded if they're among the top 25% of the most expensive platforms across our scenarios, based on our fees analysis. Platforms are not eligible for WRP status if they receive a two-star rating or lower in any of our categories.
We also apply statistical tests that place the platforms into ‘bands’. Only the platforms in the highest two bands – the ones that really stand out – can be a WRP.
We will not give Which? Recommended Provider status to platforms that offer CFD trading.
To be eligible for our Great Value recommendation, platforms must be in our top three customer score bands and among the 25% least expensive in the asset categories they offer (any combination of funds, shares, or ETFs).
