Fidelity Bloom®
A more mindful way to save money
Fidelity Bloom® is a free financial app.1 We use psychology to help gently improve your saving and spending habits. No drastic lifestyle changes required.

What you'll get
An award-winning app2 that helps you build mindful spending and saving habits
Two Fidelity® accounts:3 one to help build savings and one to track everyday spending

A debit card4 to access your spending money (along with built-in cash rewards)

$100 reward for new customers
We'll add $100 after you deposit $50 or more.5 It's our way of celebrating the start of your journey to better habits.
Fidelity Bloom® is for
- • Aspiring savers who want to escape the cycle of spending their entire paycheck
- • Financial novices who are just starting their savings journey—regardless of age
- • Anyone who feels overwhelmed by their finances and wants budget tips
Level up with Fidelity Bloom®
Improve your money mindset
With lessons, activities, and a yearly savings match, you'll learn new skills using scientifically proven methods.
Think differently about money
Research has shown that you're more likely to save when your saving and spending aren't mingled. You'll apply this principle using your Fidelity Bloom® Save and Spend accounts.
Put your money to work
Fidelity Bloom® holds your uninvested cash in a money market mutual fund. Uninvested dollars in both your Save and Spend accounts have the potential to earn yield, which is a cash payout of interest earned that is added to your accounts on a monthly basis.
Fidelity® Government Money Market Fund (SPAXX*) 7-day yield as of September 15, 2023; the yield may vary owing to market conditions.6
*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.
Ready to start saving?
How Fidelity Bloom® helps you save money
Built in cash rewards
Rewards are deposited directly to your Fidelity Bloom® Save account.
- Get a 10% annual savings match from Fidelity® on up to $300 of deposits to your Save account.
- Get a 10-cent reward for every purchase with your Fidelity Bloom® debit card.
- Take advantage of cash-back shopping from more than 1,000 participating retailers when you shop in the app.
New money habits to learn and practice
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 in real life. So you can change your saving and spending habits, now and for the long term.
Automated routines that grow your savings
Every aspect of Fidelity Bloom® is built to help you save more money.
- Round Up and cash-back shopping add to savings as you spend.
- Recurring transfers help keep your savings continually growing.
- Setting up direct deposit allows you to pay yourself first, an effective strategy to help grow your savings.