Here is the short version. With a Fidelity Crypto account, you can buy bitcoin, ethereum and a few other coins from just $1.
Trades are commission free. A spread of up to 1% sits inside the price you see. So there is no extra fee line at checkout.
And your crypto lives in the same app as your stocks. We checked every fact on Fidelity’s own pages on November 4, 2026.
One thing first. Crypto prices swing a lot, and you could lose all of it. Fidelity says crypto is for people with a high risk tolerance.
What You Get With Fidelity Crypto Right Now
No promo code needed. These come with the account.
| Perk | What Fidelity lists |
|---|---|
| Smallest buy | $1 |
| Trade commission | $0, with a spread of up to 1% built into the price |
| Fee to open a Crypto IRA | $0 |
| Custody fee in a Crypto IRA | $0 |
| Coins you can trade | BTC, ETH, SOL, LTC and FIDD |
| Refer a Friend | Send your own link once you log in |
| Decode Crypto newsletter | Free, once a month |
Best for: someone who wants to start small. Like, $20 a week small.
Tip: Fidelity says fees can change. Your exact price shows in the order details once the trade fills, so look there after each buy.
Who Is Fidelity Crypto?
It is the crypto account from Fidelity Investments. The account, the trading and the custody come from Fidelity Digital Assets, National Association. That is a national trust bank.
Fidelity began studying bitcoin in 2014. By 2018, it set up its first crypto business.
Who can open one? A US citizen, 18 or older, living in a state Fidelity Digital Assets can serve. The state list is on Fidelity’s help site.
Your coins sit in cold-vaulted storage, the brand says. The account is watched 24/7.
Fidelity Crypto Against Two Popular Rivals
US buyers often look at Robinhood and Coinbase too. Fidelity facts below come from Fidelity. For the other two, check their sites. Their fees change often.
| Feature | Fidelity Crypto | Robinhood | Coinbase |
|---|---|---|---|
| Trade cost | $0 commission, up to 1% spread in price | $0 commission, spread in price | Fee plus spread on simple buys |
| Smallest buy | $1 | See Robinhood site | See Coinbase site |
| Crypto inside an IRA | Yes: Roth, Traditional, Rollover | See Robinhood site | See Coinbase site |
| Stocks, ETFs and crypto in one app | Yes | Yes | See Coinbase site |
| Own US dollar stablecoin | Yes, FIDD | See Robinhood site | See Coinbase site |
Best for: people who already hold a Fidelity brokerage account or IRA. Everything shows up in one place.
Tip: saving for retirement? Read the IRA row twice. That is where Fidelity stands out to us.
5 Fidelity Crypto Picks Worth a Look
Fidelity Crypto Account
Buy, sell and transfer crypto. You can move coins you hold somewhere else into it. You can also send cash and crypto to your Fidelity contacts.
Fidelity Crypto for IRAs
Real crypto in a Roth, Traditional or Rollover IRA. No fee to open. No custody fee. Trades carry the 1% fee. You fund it in dollars through a linked Fidelity brokerage IRA. If you do not have one, Fidelity opens it for you.
Fidelity Digital Dollar (FIDD)
A stablecoin pegged 1:1 to the US dollar. Buy it, sell it, or send it to your own wallet. Fidelity notes it is not money or legal tender, and no government agency backs it.
Crypto ETPs: FBTC, FETH and FSOL
Rather own a fund? These trade in a normal brokerage account and aim to track crypto prices. Read the prospectus first.
Fidelity Trader
The brand calls it its most powerful trading platform. Real-time quotes. Advanced charts. Technical indicators. It runs on desktop, web and mobile.
Best for: first-timers, start with the account. Thinking about retirement? Go with the Crypto IRA.
Three Things We Like Most
- One login: Crypto, stocks, ETFs and your IRA show up together.
- Simple pricing: The fee is built into the price. Nothing gets added later.
- Free lessons: The Decode Crypto newsletter and the Covering Crypto livestream cost nothing.
Why Consider Fidelity Crypto
Trust, mostly. Fidelity has worked on bitcoin since 2014. For crypto, that is a long time.
Then there is the tax side. A Crypto IRA gives you a chance at tax-free growth in a Roth, or tax-deferred growth in a Traditional or Rollover IRA. IRA rules apply.
And help is close by. Fidelity Crypto Help has a virtual assistant 24/7, in the app and online.
None of this is advice on what to buy. It is just what the account offers.
Who It Suits Best
- Fidelity customers who want their crypto sitting right next to their stocks and ETFs.
- New investors who want to try a $1 first buy and learn as they go.
- Retirement savers who want real bitcoin or ether inside a Roth or Traditional IRA.
- People who want one clear price with the fee already inside it, nothing extra.
- Long-term holders who care about cold storage and around-the-clock watch over their coins.
- Readers who learn best from a free monthly newsletter and live video shows.
Know Before You Open
Crypto can move fast. It can also become hard to sell at any time.
It is not insured by the FDIC or SIPC. It is not a bank deposit. And it does not get the same legal protections as registered securities.
Your state matters too. Crypto IRAs are not offered in California or Oregon. Coins cannot move in or out of a Crypto IRA, only dollars.
FAQs
How much do I need to start?
Just $1 for a buy, per Fidelity.
Is there a trading fee?
No commission. But a spread of up to 1% is built into the price.
Which coins can I buy?
Bitcoin, ethereum, solana, litecoin and FIDD. It depends on your state.
Can I hold crypto in a Roth IRA?
Yes, through Fidelity Crypto for IRAs. Not in California or Oregon, though.
Can I bring coins over from another exchange?
Into a regular Fidelity Crypto account, yes. Into a Crypto IRA, no.
Final Verdict
We like Fidelity Crypto for people who want crypto without leaving the place where they already invest. A $1 start, commission-free trades and a real Crypto IRA make a strong mix.
Big names, long history, cold storage. That is what you get here.
Start small. Learn as you go. Only put in what you can afford to lose.
