Introducing Fidelity Youth®

A free app1 that empowers 13–17 year-olds like you to take control of your own money.


What's included

An app built for you to make, manage, and invest your own money

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

An account that you own with no subscription fees, account fees, or minimum balances4

Don’t let your gift cards go to waste.

With the new Fidelity Youth® app, you can trade in unused gift cards for cash to save, spend, or invest. Learn how to get started.

Spending and saving, leveled up

You get your own debit card and an easy way to organize your money for whatever you’re saving for. And we made it easy to ask your parents for money in the app.

Put your money to work

We help your cash work harder for you. We put any cash that you aren’t investing into a money market fund that earns 4.95%.


Fidelity® Government Money Market Fund (SPAXX*) 7-day yield as of May 9, 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 Fidelity.com for more recent performance.

Investing, just for you

You’re in the driver's seat and can start investing in US stocks and Fidelity mutual funds with as little as $1. We'll also help you learn about investing so you can feel good about your choices.

Build your financial knowledge

Want to learn more about money? Wish everything you read wasn't so...complicated? Learn and practice how to spend, save, and invest responsibly with interactive lessons, videos, and more—all designed with you in mind.

Get help every step of the way

Your parents are there whenever you need them. You own the account, but they'll be able to review your spending and other transactions. Plus, your account is secured with the Fidelity Customer Protection Guarantee.

How to get started

  1. Your parent opens the account

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

  2. You download the app

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

  3. You activate the account

    Create a login and agree to terms and conditions to activate your new account.




Open a Fidelity Youth Account

Frequently asked questions

  • What is Fidelity Youth®?

    Fidelity Youth® is an app designed to help teens ages 13 to 17 manage and invest their money while developing lifelong money skills and habits.

    The app is where teens can access the Fidelity Youth Account: a teen-owned brokerage account that comes with a debit card.1 With Fidelity Youth, teens can save, spend, and invest all in one account. Parents can also use the app to monitor their teen’s Fidelity Youth® Account, send money, set up allowance, and learn alongside their teen.

  • What is the Fidelity Youth® Account?

    The Fidelity Youth® Account is a teen-owned brokerage account that comes with a debit card. It is not a joint account or a custodial account. Fidelity Youth® lets teens save, spend, and invest in a single account. There are no subscription fees, no account fees, no minimums to open the account2, and no global ATM fees3. The teen is the owner of the account and has control over it (i.e., they are the sole decision maker, not the teen's parent or guardian).

  • What securities is my teen able to invest in?

    Teens can invest in:

    • Fidelity mutual funds
    • Most US stocks
    • Some exchange-traded funds (ETFs)

    Teens cannot invest in:

    • Third-party mutual funds
    • Corporate bonds
    • Municipal fixed income securities
    • Certificates of deposit (CDs)
    • Treasuries
    • REITs
    • Convertibles
    • Leveraged and inverse ETFs
    • Cryptocurrencies
    • FILI Insurance products
    • Penny stocks (stocks valued at $5/share or less)
    • International stocks
    • Foreign currencies

    Additionally, teens cannot engage in options or margin trading or short selling, or participate in a company's IPO.