Fidelity: Fees, Features, and More (2026)
Fidelity blends full‑service resources with investor‑friendly pricing and technology. Clients can build customized “Basket Portfolios” or buy fractional shares (“Stocks by the Slice”), trade options at $0.65 per contract, and access crypto (≈ 1 %) alongside an institutional‑grade bond desk. The platform routes no payment‑for‑order‑flow, offers the powerful Active Trader Pro desktop, a mutual‑fund marketplace topping 10,000 funds (3,300+ NTF), and robo guidance through Fidelity Go (0.00 – 0.35 %), all supported by nationwide branches and a money‑market cash sweep.
| Feature | |
|---|---|
| Website | https://www.fidelity.com/ |
| Broker Type | Full-service |
| Trading: Stock & ETF? | Yes |
| ETF & Stock commission | $0 online US stocks/ETFs |
| Fractional Shares? | Yes (7,000+ US stocks/ETFs, $1 min) |
| Percent Allocations? | Yes (Fidelity Basket Portfolios) |
| Crypto Trading? | Yes, via Fidelity Crypto® (BTC, ETH, SOL, LTC, FIDD) for US retail; also crypto ETPs in brokerage. |
| Crypto Fees | 1% of executed market value on buys/sells (Fidelity Crypto®/IRAs); none on FIDD vs USD. |
| Options Trading? | Yes |
| Options Fee | $0 commission + $0.65/contract online; $0 for buy-to-close ≤$0.65. Extra fees for some indexes/pros. |
| Bond Trading Available? | Yes; $0 online for new issues/US Treasuries; $1 per bond secondary (caps apply). |
| Receives payment for order flow (PFOF)? | Yes (receives PFOF on equities from wholesalers and on options). |
| Interface: Web trading? | Yes (Fidelity.com web; Fidelity Investments iOS/Android app; Fidelity Trader+). |
| Desktop trading? | Yes (Fidelity Trader+ Desktop, PC/Mac; Active Trader Pro Classic also available) |
| API Trading? | No (no official public retail trading API) |
| Mutual Funds: Offered? | Yes |
| Total Mutual Funds | Over 10,000 |
| NTF Mutual Funds | Thousands (all Fidelity funds plus many NTF third-party) |
| Non-NTF Fund Fee | $49.95 per purchase (some up to $100); $0 redemption |
| Early Redemption Fee? | No ($49.95 Fidelity short-term fee on most NTF funds held <60 days) |
| Redemption Hold (Days) | 60 days (NTF FundsNetwork non-Fidelity funds) |
| Early Redemption Fee | $49.95 online (NTF funds held <60 days) |
| Accounts: Margin Accounts? | Yes |
| IRAs Offered? | Yes (traditional, Roth, SEP) |
| HSAs Offered? | Yes |
| Money Market Sweep? | Yes |
| CDs Offered? | Yes (brokered CDs) |
| Robo-Advisor: Offered | Yes |
| Robo-Advisor Service | Fidelity Go |
| Robo-Advisor Fees | $0 under $25,000; 0.35%/yr for $25,000+ |
| Basics: Headquarters | Boston, MA |
| Year Founded | 1946 |
| Clearing Firm | National Financial Services LLC |
| Local Branches? | Yes, ~215 U.S. Investor Centers |
| New Account Minimum | $0 |
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