Introducing Fidelity Youth™

A free app1 that gives teens ages 13–17 the power to make their own money moves—while letting parents stay connected.

What's included

An app built for teens to make, manage, and invest their own money

A debit card with 5¢ back per use2—and ATM fees reimbursed globally3

A teen-owned account with no subscription fees, account fees, or minimum balances4

Don't let their gift cards go to waste

With the new Fidelity Youth™ app, your teen can trade unused gift cards for cash they can save or invest. Learn how to get started.

Spending and saving, leveled up

Teens get their own debit card and can practice good money habits by automating their savings and organizing money for their savings goals. It's also easy to request a money transfer from their parent.

Helping your teen's cash work harder

Help your teen take the first steps on their financial journey. We take your teen's uninvested cash and automatically put it into a money market fund that can now earn 4.97%.

Fidelity® Government Money Market Fund (SPAXX*) 7-day yield as of February 16, 2024; the yield may vary owing to market conditions.5

*The performance data featured represents past performance, which is no guarantee of future results. Investment return and principal value of an investment will fluctuate; therefore, you may have a gain or loss when you sell your shares. Current performance may be higher or lower than the performance data quoted. Visit for more recent performance.

Investing, just for teens

Teens are in the driver’s seat and can start investing in US stocks and Fidelity mutual funds with as little as $1. We also provide education so they can feel good about their investing choices.

Learning for parents and teens

Teens can learn how to spend, save, and invest responsibly with interactive lessons, videos, and more. And educational content just for parents can help guide important money conversations at home.

Safe and sound

Parents can view their teen's trades and transactions in the Fidelity Youth™ app and get notified of account activity. Plus, your teen's account is secured with the Fidelity Customer Protection Guarantee.

How to get started

  1. Parent opens the account

    A parent or guardian must open the Fidelity Youth Account on behalf of their teen; parents must have an existing account with Fidelity.6 To make things easier, both accounts can be opened at the same time.

  2. Teen downloads the app

    Available for both iOS and Android devices, the app isn’t just for teens—parents can also use it to review their teen's account activity, send money, and more.

  3. Teen activates the account

    Teens create a login and agree to terms and conditions to activate their new account.

Download the Fidelity Youth app

Frequently asked questions

  • Is the Fidelity Youth™ Account a joint account or custodial account?

    No, the Fidelity Youth™ Account is a teen-owned brokerage account. It is owned by the minor, who makes all the investment decisions. This is unlike a custodial account (e.g., Uniform Gifts to Minors Act [UGMA] account or a Uniform Transfers to Minors Act [UTMA] account) where the custodian makes the investment decisions on the minor's behalf.

  • How much does Fidelity Youth™ cost?

    There are no subscription fees and no account fees associated with Fidelity Youth™, and no minimum balances required to open a Fidelity Youth account.

  • What are the steps to opening a Fidelity Youth™ Account?

    You, the parent/guardian, and your teen can open this brokerage account together. There are a few regulatory and legal steps you and your teen will have to complete first.

    As parent/guardian, you must:

    • Have an account with Fidelity. If you don't have a one, we'll help you open a brokerage account while you open the Fidelity Youth™ Account for your teen.
    • Open the Fidelity Youth Account for your teen.
    • Upload a photo ID for your teen, such as a valid driver’s license, birth certificate, or student ID card.
    • Make sure you enter your teen’s mobile number when prompted, as this will be needed for your teen to complete the steps to activate their account. Once you complete the application process and submit the required documents, your teen will receive an email/SMS text with next steps. (Note: If steps are incomplete, the account will not be available to receive funds or trade.)

    Your teen will have to:

    • Download the Fidelity Youth™ app.
    • Create a username and password (last four digits of SSN needed).
    • Login and accept the Terms of Agreement.

    Once that last step has been completed, parents will be able to transfer money from their Fidelity account to their teen's account.

  • What does the teen need to do after the parent opens the account?

    The teen will need to:

    • Download the Fidelity Youth™ app
    • Follow the steps to create a username and password (they need the last 4 digits of their SSN for this)
    • Log into the app and accept the Terms of Agreement that display upon login

    Once this is complete, the account will be activated and parents can transfer money to their teen. Make sure to upload the teen's photo ID or their account will be closed.

  • Money was transferred to a teen’s account. Why isn’t it showing up yet?

    Once a parent's Fidelity account is linked to their teen’s Fidelity Youth™ Account, money sent by the parent will instantly transfer to the teen. Please note, transfers greater than $500 may take longer to process. Transfers made from external (non-Fidelity) accounts via EFT (electronic funds transfer) or wire may vary in processing time.