As of 2026, yes, you can buy crypto on Fidelity through Fidelity Crypto. You can trade a small set of major coins inside the same app where you already track your brokerage and retirement accounts.
This makes it convenient if you want crypto exposure without managing multiple platforms. Fidelity’s setup is built for simplicity and custody in one place, but it comes with real constraints.
These limitations mainly include limited coin selection and limited transferability. Below is what you can actually do on Fidelity Crypto in 2026, what it costs, and the key trade-offs versus a dedicated exchange.
Key Takeaways
- Supported Assets: You can trade Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), and Solana (SOL) directly.
- Fees: Fidelity offers commission-free trading, but a 1% spread is factored into every execution price.
- Custody: Your assets are held by Fidelity Digital Assets, which was recently approved by the OCC to operate as a national trust bank.
- Integration: You must have an eligible Fidelity brokerage account to fund and manage a Fidelity Crypto account.
Does Fidelity Allow Direct Cryptocurrency Trading?
Yes, Fidelity lets you buy and sell specific cryptocurrencies directly through Fidelity Crypto, not just through ETFs or trusts. What actually matters here is that you’re trading the underlying coins, even though the account is still handled within Fidelity’s system.
According to the official Fidelity Crypto trading page, the service is built for both beginners and experienced investors. You can see your crypto balances alongside your 401(k), IRA, and brokerage accounts, which gives you a consolidated view of your finances.
Trading is available 24/7, matching how crypto markets operate.
Fidelity Crypto vs. Brokerage Accounts: What Is the Difference?
Your Fidelity Crypto account is separate from your standard Fidelity brokerage account, even though they connect for funding. The trade-off is that they follow different rules and protections.
Your brokerage account holds traditional securities like stocks and bonds, and the process of buying stocks on Fidelity is straightforward. Those assets are protected by the Securities Investor Protection Corporation (SIPC).
In contrast, crypto in a Fidelity Crypto account is not SIPC-protected. Fidelity states that cryptocurrencies are held by Fidelity Digital Assets, which provides custody services.
Which Cryptocurrencies Can You Trade on Fidelity?
Fidelity supports four cryptocurrencies: Bitcoin, Ethereum, Litecoin, and Solana. In practice, Fidelity is intentionally selective here, which reduces the “random coin” risk but also limits your options.
- Bitcoin (BTC): The largest and most well-known digital asset, often viewed as digital gold.
- Ethereum (ETH): The leading platform for smart contracts and decentralized applications.
- Litecoin (LTC): A long-standing peer-to-peer cryptocurrency known for faster transaction times than Bitcoin.
- Solana (SOL): A high-performance blockchain platform that gained significant traction leading into 2026.
How Do You Open and Fund a Fidelity Crypto account?
You can open a Fidelity Crypto account from inside Fidelity if you’re a U.S. resident in an eligible state. The mistake most people make is assuming they can fund it straight from an outside bank.
Fidelity routes funding through an eligible Fidelity account first. You must move the desired amount of USD from your brokerage account into your crypto account.
- Open an Account: Log in to the Fidelity app or website and navigate to the “Crypto” section to open a Fidelity Crypto account.
- Link a Funding Source: Use an eligible Fidelity brokerage or cash management account.
- Transfer Funds: Move money from your brokerage account into your crypto account. These funds are typically available for trading immediately.
- Place a Trade: Search for one of the supported assets and enter the dollar amount you wish to buy. The minimum trade amount is often as low as $1.
What Are the Fees and Security Measures?
Fidelity crypto trading is “commission-free,” but Fidelity applies a 1% spread to every trade. That spread is built into your execution price, so you don’t see a separate line-item commission.
For example, if you buy $1,000 worth of Bitcoin, you will effectively pay a $10 “fee” embedded in the price you receive. On the security side, Fidelity points to institutional-style custody.
In early 2025 the Office of the Comptroller of the Currency (OCC) approved Fidelity Digital Assets’ application to convert into a national trust bank. Fidelity also stores the vast majority of customer assets in cold storage.
This offline storage is designed to reduce hacking risk, a common best practice discussed when learning how to use a crypto wallet.
Can You Transfer Crypto From Fidelity to an External Wallet?
Fidelity generally does not support transferring cryptocurrency into or out of Fidelity Crypto for retail users. This means you can’t deposit coins from a hardware wallet into Fidelity.
You also cannot withdraw coins to self-custody or to a DeFi protocol. If you want to take profits, you typically sell crypto for U.S. dollars inside Fidelity and then transfer cash out.
This “walled garden” design can simplify compliance and reduce certain security risks. However, it is a real limitation if you prefer self-custody.
What Are the Regulatory and Tax Considerations for 2026?
Crypto is treated as property for U.S. tax purposes, so selling crypto or exchanging it for another asset can create a taxable event. You’re responsible for tracking cost basis and reporting capital gains or losses.
Fidelity provides tax documentation such as Form 1099-B to support reporting. Fidelity's 2026 outlook notes that regulation and the evolving role of stablecoins may increase reporting complexity.
Fidelity Crypto vs. Coinbase: How Do They Compare?
Fidelity Crypto is better if you want a simple, custody-in-one-place experience. Coinbase Exchange is better if you want a full crypto platform.
| Platform | Spot Trading Fees | Supported Coins | Learn More |
|---|---|---|---|
| Coinbase Exchange | $0.99 - 2.00% (Standard), 0.05% - 0.60% (Advanced Trade)
For transactions above $200 (standard account): 1.49% fee for using a bank account or USD wallet, 3.99% fee for using a debit or credit card. For Coinbase Advanced Trade: 0.60% for taker trades and 0.40% for maker trades. The more you trade, the lower the fees - can decrease to as low as 0% - 0.05%. |
+250 | Read Review |
| Kraken Exchange | 0.40% - 0.25%
0.40% for taker trades and 0.25% for maker trades. The more you trade, the lower the fees - can decrease to as low as 0% - 0.10%. Using GT tokens to pay trading fees offers a 10% discount |
+300 | Read Review |
| Gemini Crypto Exchange | $0.99 - 1.49% (Web & Mobile), 0.20% - 0.40% (Active Trader)
For Gemini’s website or mobile app users are charged 0.50% convenience fee For Active Trader, 0.40% for taker trades and 0.20% for maker trades. The more you trade, the lower the fees - can decrease to as low as 0% - 0.03%. |
+150 | Read Review |
- Fidelity Crypto: Best for traditional investors who want simplicity and safety. You see crypto next to your other Fidelity accounts without learning a new exchange.
- Coinbase Exchange: Best for active crypto users who want more choice and on-chain flexibility. It supports many more assets and offers features like staking.
The Bottom Line
You can buy crypto on Fidelity in 2026, and for many long-term, hands-off investors that’s the whole point. You get a streamlined experience with a short list of major coins and custody handled inside Fidelity’s ecosystem.
If you’re also comparing traditional broker options like Fidelity vs. Robinhood, the big differentiator is the conservative, integrated approach. Fidelity focus on custody and simple access while limiting advanced features.
