Fidelity Bloom®

A rewarding way to save and spend

Fidelity Bloom® is a free financial app that helps you save more and build long-lasting habits. Keep your spending separate from your savings with 2 accounts. And automatically earn cash rewards with a linked debit card.

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Download Fidelity Bloom

Available on Apple® App Store and GoogleTM Play.

Earn rewards for everyday spending

  • Receive a 10% match1 from Fidelity—on your first $300 of deposits into your Fidelity Bloom Save account.
  • Earn a 10-cent reward into your Fidelity Bloom Save account every time you use your Fidelity Bloom debit card.
  • Receive up to 25%2 cash back when you shop in-app with 1,100+ participating retailers.

Grow with Challenges

Challenges address the root causes of why people struggle to save.

You'll learn research-based concepts and skills that you can put into practice IRL. So you can change your saving and spending habits, now and for the long term.

Make saving feel automatic

  • Track your saving progress in Fidelity Bloom Save, and use Fidelity Bloom Spend as your go-to spending account.
  • Send the rewards you earn directly to your Fidelity Bloom Save account. Plus: Use the Round Up feature to grow your savings even when you shop.
  • Help increase your Fidelity Bloom Save account with recurring transfers.
  • Add to your Save account by exchanging your gift cards for cash.
Deposit $25 or more and get a $50 reward. Fidelity Bloom(SM).

Don't miss out on these deals

  • To get started, we'll give you $50 once you deposit $25 or more.3

Fidelity Bloom® named #1 New Tool for 2023

Download today to see why named us their #1 New Tool for 2023.4

Common questions

  • What is Fidelity Bloom®?

    Fidelity Bloom® is a free financial app that helps you save more, spend less, and feel better about your finances. We combine behavioral science with built-in features that help you grow your savings and change your money habits.

    You'll open 2 Fidelity brokerage accounts, Fidelity Bloom Spend and Fidelity Bloom Save. You'll also receive a debit card that automatically deposits your earnings and rewards into Fidelity Bloom Save.

    Brokerage accounts are not bank accounts.

  • Why do I have 2 separate accounts in Fidelity Bloom®?

    Research shows that you're more likely to have a greater awareness of your finances, and less likely to move money, when you have separate accounts for saving and spending. Fidelity Bloom® is designed with behavioral science principles to help you spend more mindfully and save more successfully.

  • What types of accounts are Fidelity Bloom® Save and Spend?

    Fidelity Bloom® Save and Fidelity Bloom Spend accounts are brokerage accounts with limited features available through the app so we can focus on helping you build positive saving habits. You may access a broader set of brokerage account features by logging in to your account on or the Fidelity app.

    Fidelity Bloom accounts are brokerage accounts covered by SIPC insurance. They are not bank accounts and therefore are not covered by FDIC insurance. Holdings in your Fidelity Bloom accounts are subject to market risk and risk of loss.

  • Which Fidelity accounts are eligible for the $50 offer?

    The following individual accounts are eligible to receive the $25 deposit for the offer: The Fidelity Bloom® Spend Account and the Fidelity Bloom® Save Account. Deposits can be made to either account as long as the total deposit amount between the two accounts equals $25 or more. Accounts that are opened with a Fidelity representative or outside of the Fidelity Bloom mobile app are not eligible.

  • Who is eligible for the $50 offer?

    Most Fidelity Bloom® customers are eligible to receive the $50 offer. Customers who already have an account at Fidelity are still eligible for the $50 offer, provided they meet the necessary requirements.

    Some individuals may not be eligible, including Fidelity employees, non-US residents, and persons employed by FINRA or a securities organization in a regulatory capacity.

    The $50 offer is limited to one per customer. See Fidelity Bloom $50 Offer terms and conditions to learn more.

  • What is Round Up?

    Round Up is a Fidelity Bloom® debit card feature that rounds up your purchase to either a dollar amount ($1–$10) or percentage (1%–10%) that you predetermine and automatically transfers the "spare change" from your Fidelity Bloom Spend account into your Fidelity Bloom Save account. It has a maximum transfer amount of $10 per purchase.

    When you sign up with Fidelity Bloom, you're automatically opted into Round Up. If you close your Fidelity Bloom Save and/or Fidelity Bloom Spend account, Round Up will no longer work.

  • Is Fidelity Bloom® available for iOS and AndroidTM?

    Yes, Fidelity Bloom is available on both iOS and AndroidTM. The Android app is an early access version, and we’ll be adding new features periodically.

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Download Fidelity Bloom

Available on Apple® App Store and GoogleTM Play.