Best online brokerage
3 models · updated 2026-07-07
The verdict
Fidelity leads — All 3 models rank Fidelity the top pick.
As of 2026-07-07, ChatGPT, Claude and Gemini collectively rank Fidelity #1 for online brokerage on ModelsAgree — unanimous among the 3 models that have answered. The models' case: Best overall mix of $0 stock/ETF trades, strong research, fractional shares, retirement tools, customer support, cash management, and low-cost funds. The models' main caveat: Make its active-trading platform feel as fast and modern as Interactive Brokers or thinkorswim. The strongest alternative is Charles Schwab — Huge product breadth, excellent education, strong service, branch support, thinkorswim, good research, and a polished all-in-one investing experience. Source: https://modelsagree.com/best/best-online-brokerage (modelsagree.com, CC BY 4.0).
Combined ranking
- 1GPT #1Claude #1Gemini #1
Best overall mix of $0 stock/ETF trades, strong research, fractional shares, retirement tools, customer support, cash management, and low-cost funds
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GPT Best overall mix of $0 stock/ETF trades, strong research, fractional shares, retirement tools, customer support, cash management, and low-cost funds
Claude Zero-commission stock/ETF trades, industry-leading research and screeners, high default cash yield via auto-sweep into money market funds, excellent fractional shares, strong retirement/IRA support, and no account fees — the best all-around broker for long-term investors.
Gemini Offers zero-expense ratio index funds, fractional share trading on all stocks and ETFs, top-tier research tools, and reliable customer service.
Where it falls shortper GPT Make its active-trading platform feel as fast and modern as Interactive Brokers or thinkorswim
per Claude Build a genuinely competitive active-trader desktop platform to rival thinkorswim so it stops ceding serious traders to Schwab and IBKR.
per Gemini Modernize the mobile app user interface to reduce clutter and make navigation more intuitive.
- 2GPT #2Claude #2Gemini #2
Huge product breadth, excellent education, strong service, branch support, thinkorswim, good research, and a polished all-in-one investing experience
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GPT Huge product breadth, excellent education, strong service, branch support, thinkorswim, good research, and a polished all-in-one investing experience
Claude Full-service breadth with the thinkorswim platform (absorbed from TD Ameritrade), deep research, strong customer service and physical branches, robust banking integration, and broad product range from index funds to futures.
Gemini Features the powerful thinkorswim trading platform, robust customer service, extensive physical branch access, and high-quality educational resources.
Where it falls shortper GPT Raise default cash yields so idle cash is not a drag versus Fidelity and Interactive Brokers
per Claude Stop paying near-zero on uninvested cash (cash sweep defaults to low-yield bank deposits) — auto-sweeping into a money-market rate would close the biggest gap versus Fidelity.
per Gemini Increase the yield on its default cash sweep accounts, which currently pay negligible interest compared to competitors.
- 3GPT #3Claude #3Gemini #3
Best for serious investors and active traders thanks to low margin rates, global market access, strong execution, advanced tools, and broad asset coverage
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GPT Best for serious investors and active traders thanks to low margin rates, global market access, strong execution, advanced tools, and broad asset coverage
Claude Unmatched global market access (150+ markets), the lowest margin rates in the industry, professional-grade tools (Trader Workstation), superior order execution, and strong securities-lending income share — the top pick for active, sophisticated, and international traders.
Gemini Provides institutional-grade execution, access to over 150 global markets, low margin lending rates, and advanced order types.
Where it falls shortper GPT Make the interface and onboarding simpler for normal long-term investors
per Claude Simplify the steep platform learning curve and clunky UX so it's approachable for ordinary investors, not just professionals.
per Gemini Simplify the onboarding process and user interface to make the platform less intimidating for beginner investors.
- 4GPT #4Claude #5Gemini #4
Strong web and mobile platforms, Power ETRADE, good screeners, options tools, research, and a balanced experience for self-directed investors
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GPT Strong web and mobile platforms, Power ETRADE, good screeners, options tools, research, and a balanced experience for self-directed investors
Gemini Delivers the highly intuitive Power ETRADE trading platform, strong options tools, and seamless integration with Morgan Stanley banking services.
Claude Solid Power ETRADE platform for options and active trading, good mobile apps, strong educational content, and the backing/stability of Morgan Stanley with access to its research.
Where it falls shortper GPT Become more price-competitive on margin, cash yield, and options costs
per Claude Improve cash sweep yields and accelerate platform innovation, which has stagnated since the Morgan Stanley acquisition relative to Fidelity and Schwab.
per Gemini Lower the standard options contract fee and margin rates to better compete with discount brokerages.
- 5GPT —Claude #4Gemini #5
Best-in-class mobile UX, fractional shares, 24/5 trading, fast-growing ecosystem (IRA with match, Gold cash yield, crypto), and low-friction onboarding that made it the default for younger investors.
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Claude Best-in-class mobile UX, fractional shares, 24/5 trading, fast-growing ecosystem (IRA with match, Gold cash yield, crypto), and low-friction onboarding that made it the default for younger investors.
Gemini Features a highly intuitive mobile interface, lucrative IRA match programs, 24-hour market access, and high interest on uninvested cash.
Where it falls shortper Claude Add real research, screeners, and breadth (mutual funds, bonds, broad international access) plus stronger customer support to graduate from beginner app to serious primary broker.
per Gemini Add support for traditional assets like mutual funds and bonds while expanding advanced analytical charting.
- 6GPT #5Claude —Gemini —
Excellent Bank of America integration, Preferred Rewards benefits, solid research, $0 stock/ETF trades, and strong fit for existing BofA customers
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GPT Excellent Bank of America integration, Preferred Rewards benefits, solid research, $0 stock/ETF trades, and strong fit for existing BofA customers
Where it falls shortper GPT Modernize its trading tools and app experience to compete with Schwab and ETRADE
Just missed the top 5
GPT Vanguard — excellent long-term fund shop, but weaker trading tools and interface · Robinhood — great simple mobile experience and crypto access, but thinner research, support, and portfolio tools
Claude Vanguard — peerless low-cost index funds and fiduciary culture, but a dated, slow platform and weak trading tools keep it out of a "brokerage" top 5 · Webull — sharp, low-cost active-trading app with strong charting, but thin research, lighter product range, and less trust than the incumbents
Gemini Webull — Missed the top 5 due to lackluster customer support options and the absence of mutual funds or fixed-income assets · Vanguard — Missed the top 5 because its platform lacks advanced trading tools and the user experience is tailored strictly for passive buy-and-hold investors
By model
ChatGPT
- 1.Fidelity
- 2.Charles Schwab
- 3.Interactive Brokers
- 4.E*TRADE
- 5.Merrill Edge
Claude
- 1.Fidelity
- 2.Charles Schwab
- 3.Interactive Brokers
- 4.Robinhood
- 5.E*TRADE
Gemini
- 1.Fidelity
- 2.Charles Schwab
- 3.Interactive Brokers
- 4.E*TRADE
- 5.Robinhood
Common questions
What is the best online brokerage according to AI models?
Fidelity leads. All 3 models rank Fidelity the top pick. The current top 3: Fidelity, Charles Schwab, Interactive Brokers. Ranked by asking ChatGPT, Claude, Gemini the same buying question and merging their top-5 picks, updated 2026-07-07. Source: modelsagree.com.
Which online brokerage did each AI model pick first?
ChatGPT: Fidelity. Claude: Fidelity. Gemini: Fidelity.
How is this online brokerage ranking made?
ChatGPT, Claude, Gemini are each asked the same buying question in a fresh session with no system steering. Their top-5 answers are merged (rank 1 = 5 pts … rank 5 = 1 pt) into the consensus ranking, re-polled on demand and tracked over time.
More on how polling works: full methodology →
Cite this ranking
ModelsAgree, “Best online brokerage” — merged ranking from ChatGPT, Claude, Gemini & Grok, polled 2026-07-07. https://modelsagree.com/best/best-online-brokerage (CC BY 4.0)
Tracked by ModelsAgree · rank 1 = 5 pts … rank 5 = 1 pt · re-polled on demand