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Most commonly asked

What is Fidelity Spire®?
Fidelity Spire® is a goal-based financial app focused on helping you save, plan, and invest for your short-term and long-term goals. You can track progress on your goals by linking Fidelity and non-Fidelity accounts. While you contribute money toward your goals, you can get content from our education hub to get smarter. Find simplified financial education that covers different stages of each goal and use our tools and resources to better assess where you stand.


How much does it cost to use?
The Fidelity Spire® app is free to use, same as the Fidelity Mobile® app. Accounts made available to you via the app can have fees and costs, depending on the account and your investing decisions.


Who can use the app?
The Fidelity Spire® app is available to United States residents who are at least 18 years old.


Can I access all the features without an account?
If you have a Fidelity account, you can log in to use the full suite of features. You can track progress on your goals, add and delete goals when your situation changes, see your Fidelity accounts, transfer money, link external accounts, and use the decision tool.


If you don't have a Fidelity account, you can still use the app to set up your goals, demo the decision tool, add and delete goals, get content in our education hub, and use the Virtual Assistant.


If you decide to open an account, the details you saved will get carried over so you can start tracking progress on your goals right away.

How do I link an account to my goal?

You can track progress on your goal by linking one or multiple accounts. The total balance of the accounts you use will count toward the progress on that goal. Use a non-Fidelity account you already have, an existing Fidelity account, or open a new one right from the app—it's up to you. If you open a new account, at the end of the account opening process, you can select which goal to assign it to.


How can I open an account in the app?
There are currently 6 types of accounts you can open within the Fidelity Spire® app: the Fidelity® Cash Management Account, Fidelity Go® account, Fidelity Account®, Traditional IRA, Roth IRA, and Rollover IRA. You can also explore more ways to invest with Fidelity here.


How do I fund my account?
There are a few ways to do this. You can click on "transfer money" and link a bank account to initiate a transfer. Electronic funds transfers (EFT) from Fidelity accounts are generally received within 2 business days. EFTs sent to Fidelity accounts are typically available within 4 business days, but the funds are immediately available for trading. You can also now set-up recurring, monthly transfers in Fidelity Spire®. You can also transfer money between Fidelity accounts. You can deposit a check into your account or leverage the Virtual Assistant and type "automatic investments" to take you through this process.


How do I refer a friend?
You can refer Fidelity Spire® to as many friends as you'd like. We created an easy way for you to retrieve and send your unique referral link to friends who have not yet downloaded the app:


1) Log in to the Fidelity Spire® app
2) Go to the "More" section and select "Offers"
3) Select the "Invite friends" button
4) Select how you'd like to send your friends your unique referral link

Most commonly asked

How is Fidelity Spire® different than the original Fidelity Mobile® app?
Fidelity offers multiple mobile apps. The Fidelity Spire® app is focused on helping you get organized in your personal finances to help reach your short-term and long-term goals. You can track progress on your goal by linking one or multiple accounts, including non-Fidelity ones. The total balance of the accounts you use will count toward the progress on that goal. To learn more, visit Fidelity Mobile® apps


How is Fidelity Spire® similar to the original Fidelity Mobile® app?
Like the original Fidelity app, you'll be able to see all your existing Fidelity accounts, transfer money, deposit a check, and get education within the Fidelity Spire® app.


How does Fidelity Spire® compare to competitors?
Fidelity Spire® is a goal-based financial app focused on educating people while they save and invest toward their goals. While other financial services companies offer their own niche to the investing app space (focused on automatic investing, robo-advisor platforms, or a free trading platform)—we make it easy to set something up to help you plan for saving and investing your money.


Can I trade in the Fidelity Spire® app?
Trading is now live in Fidelity Spire®. Go to the "Investing and trading" FAQs section for more details.


Can I deposit a check using the Fidelity Spire® app?
Yes, you can now use the app for mobile check deposits. To learn more, go to mobile check deposit FAQs.


Is Bill Pay available in the Fidelity Spire® app and what is it?
Yes, Bill Pay is now available in Fidelity Spire®. Bill Pay is a free, online service that lets you easily make payments and manage your bills, using your non-retirement Fidelity brokerage account. No more checks, envelopes, or stamps. Just choose the date you want a bill paid and the amount and we'll take care of the rest. To learn more visit the Bill Pay FAQs.


How can I access Bill Pay?
You can access Bill Pay by selecting the transact button in the Accounts tab within the Fidelity Spire® app or by logging in to Fidelity.com and selecting Bill Pay in the Accounts & Trade menu.


Does it cost anything to use Bill Pay?
There is no cost or fee associated with using Bill Pay, just the convenience of making it easier to pay your bills.


How do I establish a Bill Pay account?
If you're using Bill Pay for the first time, you'll need to add an eligible account to complete any transaction. Unfortunately, you cannot do this in the Fidelity Spire® app yet. You must visit Bill PayLog In Required on Fidelity.com and select the account you want to enroll in Bill Pay in the account selector dropdown. After clicking on "agree and enroll," you can start adding payees. Once you add payees, you can come back to the Fidelity Spire® app to schedule payments, view pending payments, as well as cancel any transactions.


Can I connect my non-Fidelity accounts?
You can view your non-Fidelity accounts in the Fidelity Spire® app and keep track of your finances all in one place. You can now link external accounts to your goals and use them to track your progress.


From the app, go to the "Accounts" navigation section and select "Non-Fidelity accounts." Then select "Link non-Fidelity accounts" to add details from your other financial institutions through Full View® which is powered by eMoney Advisor, LLC. Once connected, you'll be able to track your non-Fidelity balances in the "Non-Fidelity accounts" view.

What is Full View®?

Full View can help you manage your personal finances by bringing your online financial accounts (including investment, bank, credit card, loan, mortgage, and insurance accounts) onto a single, fully customizable view. It's powered by eMoney Advisor, LLC, a Fidelity Investments company, which stores a variety of website addresses and unique login credentials, enabling you to access information for all of your enrolled accounts. 


With Full View, you can see your financial picture in one place. Full View is compatible with several of Fidelity's portfolio guidance tools, enabling you to import your Fidelity and non-Fidelity account information to easily review your financial picture.

How does Full View® work?
Choose institutions where you hold an online account and enter your login credentials for those sites. There is no limit to the number of accounts you can add. Each day Full View®, powered by eMoney Advisor, LLC, scans the sites you've entered and brings the updated information into a single location. 


Full View helps you better manage your finances by allowing you to view balances, transactions, and account information for all of your enrolled accounts using reporting tools, charts, and tables.


What information can I access?
Full View® currently offers access to thousands of websites, and the list is growing every day. At this time Full View only supports information that is accessible via an online account or website. 


In addition, if you own an account that is not accessible online, you may add it as a manual account on Full View to keep track of all your accounts on one page. Note that you'll need to update any manual accounts yourself.


Can I pay my bills through Full View®?
No, you cannot pay your bills, move money, or perform any other transactions through Full View®. Full View is a view-only service that lets you to track your spending all in one place. If you're interested in a bill payment solution, then consider Fidelity BillPay®.


Is there a charge for Full View®?
No, there is no fee or charge for using Full View®.


How can I contact you?
If you have a question that isn't answered here, or would like to speak with a rep, you can call 800-343-3548.


How can I close my account?
While we'd hate to see you go, we understand that things happen.


To close your Fidelity® Cash Management Account, you can withdraw all the money from your account by moving it to another account, within the Fidelity Spire® app or online.


To close all other account types, please contact us at 800-343-3548.

Most commonly asked

Should I invest when I have debt?
While it's important to invest in your future, it may also make sense to pay off your debt, particularly high-interest debt from credit cards or private student loans. Before investing, consider your debt balances.


How should I prioritize investing with my other financial goals?
An investment account can be a good way to pursue long-term goals, but consider these 3 things as you decide if an investment account is right for you and the amount you invest: building an emergency fund, maximizing your workplace retirement plan, and paying off debt.

  • Emergency fund: It's a good idea to set aside an emergency fund, money to cover those unexpected but inevitable "Oh no" moments. Most financial professionals recommend saving enough to cover 3–6 months of expenses that are absolutely essential like rent, bills, debt payments. In general, people put this in short-term investments, as opposed to an investment account.
  • Retirement: If you have a workplace savings plan through your job, you may want to consider maximizing your employer match before opening an investment account.
  • Paying off debt: While it's important to invest in your future, it may also make sense to pay off your debt, particularly high- interest debt from credit cards or private student loans. Before investing, consider your debt balances.

How do I decide my risk tolerance?
Your risk tolerance is the degree of uncertainty you're willing to take when you invest. It's best determined by considering several factors: how much time you have to reach a goal, your experience investing, how much your goal amount is, your other financial resources, and how much risk you can stomach, including risk of loss.


I'm ready to invest, so what can I do next?
Fidelity can help! Fidelity offers tax-advantaged retirement accounts and taxable brokerage accounts, as well as a variety of investment options including index mutual funds.


How do I place a trade?
You can buy or sell an investment (stocks, mutual funds, and ETFs) by placing a trade through the Fidelity Spire® mobile app. Select the transact button on the Track or Accounts section to search for a quote and trade.


When are markets open?
Standard market hours for US markets are Monday through Friday from 9:30 a.m. to 4:00 p.m. ET. Currently, after-hours trading is not available in the Fidelity Spire® app. Visit the Fidelity Mobile® app or Fidelity.com if you want to trade after hours.


What happens to my money when I place a trade?
When you deposit money or sell securities in your account, that money is automatically placed into your core position. However, you don't need to sell from your core position to access the funds. If you transfer to your bank, write a check, or place a trade, money in your core position will be used. When CDs or bonds mature, that money moves into your core position as well.

If you've placed a sell order and want the money sent to you, you'll need to request a distribution.


How do I choose an investment?
You can research a security (aka a tradeable financial asset) by typing a security's name into the quotes search bar. After you decide which investments you want to make, you can place a trade by filling out a trade ticket. If you want to learn more about each security, select the link at the bottom of the quotes screen to visit the research center on Fidelity.com.


What are fractional shares?
Fractional shares trading through the Fidelity Spire® app allows you to buy or sell a slice of your favorite stock or ETF based on a dollar amount, as opposed to how many whole shares you are able to buy, for the amount you want to invest. Essentially, this allows you to buy a fraction of a share, so a high share price is no longer a barrier to get started trading.

How do I cancel an order?
You can attempt to cancel an order, as long as it hasn’t been executed yet, by going to the account details screen, selecting the pending order, and selecting "Attempt to cancel." For now, Fidelity Spire® only offers market orders, which are a type of trade that gets executed at the next available price. Since they typically get filled right away when markets are open, many of these trades won’t be eligible to be cancelled.


How do I review orders I have placed?
Once you have placed an order, you can view its status in your account details screen.


What's a limit order?
Limit orders are currently not available within the app but will be in the future. A limit order sets the maximum price at which you're willing to buy or the minimum price at which you're willing to sell. Limit orders target price, but do not guarantee execution. Go to Fidelity.com or use the original Fidelity Mobile® app if you need to place a limit order.


What's a market order?
Currently, the app only offers market order types and doesn't support after-hours trading. A market order is the quickest way to place a trade by executing at the next available price when the market is opened. Market orders put priority on execution, but do not guarantee price.


How long does it take for my trade to settle?
Settlement dates vary depending on the investment. Stock and ETF trades settle 2 business days after the trade date, also described as T+2. Mutual fund trades settle 1-2 business days after the trade date.


What is the settlement date?
The settlement date is when your trade is completed and the money for the trade is actually debited or credited to your account. On the settlement date, securities that you bought, or any cash that you received from a sell trade, is all yours and will appear in your account for you to hold onto or initiate a new trade.


Why is the trade settlement date important?
The trade settlement date is important because it is the date when you actually own the stock or exchange-traded fund you've bought, or if you've sold a security, it's the date when you can expect to access the cash from the sale.


Do you offer margin or options?
Margin and options trading are currently not available in Fidelity Spire®. Go to Fidelity.com or use the Fidelity Mobile® app to make these trades.


Where can I learn more about trading?
Go to the trade hub in the Learn section to learn more about trading or visit Fidelity.com.


How do I fund my brokerage account?
In order to place a trade from your brokerage account, you need to add money to it first. There are a few ways to do this. You can click on "transfer money" and establish a link between your brokerage account and bank, to initiate a transfer. You can also transfer money between Fidelity accounts. You can deposit a check into your account or leverage the Virtual Assistant and type "automatic investments" to take you through this process.

Most commonly asked

What is the decision tool?
The decision tool is an interactive tool that helps you see the tradeoff of money you put toward one goal over the other, and how it can impact your goal timeline or interest paid for debt goals. You can compare 2 goals at a time, using any combination of the short-term, long-term, and debt goals you prioritized.


How can I access the decision tool?
You can access the decision tool from the Fidelity Spire® app's Learn section or the carousel card on the Track section.

How do I use the decision tool?
Once you're in the decision tool, you'll see all the goals you prioritized during the initial app setup. Select 2 goals to compare and enter any spare cash if you have any (think money left after debts and bills are paid). Select the "See impact" button and you'll see the breakdown of your monthly commitment to both goals. As you slide the dial to adjust the amount you put towards one goal versus the other, you can see how tilting your contributions more heavily towards one goal can impact your timeline and the interest paid for debt goals.

Most commonly asked

What is Fidelity Go®?
Fidelity Go is a type of managed account. When you enroll in Fidelity Go, you turn the day-to-day investment decisions for your money over to a team of experienced professionals, who provide this service for a fee. Based on information you provide, these professionals invest your money to help you meet your investment goals. You can also explore other Fidelity managed account programs that could fit your investing and planning needs. Learn more.


Is Fidelity Go® right for me?

It could be. Start by asking yourself these questions:


• Do you want a team of professionals to choose your investments for you and make changes to your account as needed, based on market conditions?
• Do you want your money invested in a portfolio of low-cost investments?
• Are you willing to pay a fee for someone to make investment decisions on your behalf?
• Are you comfortable taking care of your account online, including providing information about yourself, opening your account, and tracking your investments?


How much does Fidelity Go® cost?
Fidelity Go® offers tiered pricing based on your account balance. You'll pay no advisory fee for a balance under $10,000, $3 per month for a balance of $10,000–$49,999, or 0.35% per year for a balance of $50,000 and above. There are no trading fees, transaction fees, or rebalancing fees.


What is the Fidelity Go® advisory fee based on?
Fidelity Go®'s advisory fee is based on your account balance


How does Fidelity Go® work?
You start by providing a few things about yourself: the year you were born, your household income, the reason you're investing, the amount you hope to invest, when you'll need the money you're investing, your risk tolerance for your account, as well as further information about yourself and your situation. Once you do that, you'll receive a suggested investment strategy. From there, you can explore other investment strategies or accept the suggested strategy. After that, you open your account right from the Fidelity Spire® app. Once your account is open, you can add money to it.

Who manages the investments in my Fidelity Go® account?
The day‐to‐day investment and trading decisions in your Fidelity Go account will be handled by Strategic Advisers LLC, a registered investment adviser and a Fidelity Investments company.


How do I add money to my Fidelity Go® account?
You can add money to a Fidelity Go® account through the Fidelity Spire® app. You can fund it using an outside bank or another Fidelity account.


If you're already in the Fidelity Spire® app, you can either go into your goal detail view and select the "Add money to your goal" button, or choose an account from the Accounts list, and select the "Transfer money" button. Select the "Link a bank account" button to set up a funding account. Specify which accounts you are moving money to and from, the amount, and select "Preview transfer" and "Submit." You can also go to Fidelity.com to transfer cash or securities from a Fidelity or non-Fidelity account, and use the "Add money" button on your Fidelity Go dashboard, then choose how you'd like to fund your account. The Fidelity Go dashboard will provide you with information about depositing a check into your account.


How do I take money out of my Fidelity Go® account?
You can use the transfer functionality you used to fund your account, as long as the withdrawal doesn't leave your balance below the investment minimum of $10.


What is Fidelity Go® invested in?
Your Fidelity Go® account will be invested in a combination of Fidelity Flex® mutual funds. These funds generally hold domestic stocks, foreign stocks, bonds, or short-term investments. The Flex Funds or number of Flex Funds your account invests in may change over time, depending on the investment strategy you select.


What are Fidelity Flex® Funds?
Fidelity Flex® Funds are a line-up of Fidelity mutual funds that have zero expense ratios. Flex Funds are currently available to certain fee-based accounts offered by Fidelity, like Fidelity Go®. Unlike many other mutual funds, the Flex Funds do not charge management fees or, with limited exceptions, fund expenses. Instead, a portion of the advisory fee you pay is allocated to access the Flex Funds in which a Fidelity Go® account will be invested.

Most commonly asked

What is a Roth IRA?
A Roth IRA is tax-advantaged savings account where you make after-tax contributions and withdraw those contributions tax-free and penalty-free at any time and for any reason. You can potentially withdraw any earnings tax-free once you have met the 5-year rule and withdraw the earnings for a specific reason (age 59½, death, disability, qualified first-time home purchase).


How is a Roth IRA different from a traditional IRA?
With a Roth IRA, you contribute money that's already been taxed (that is, "after-tax" dollars). Any earnings in a Roth IRA have the potential to grow tax-free as long as they stay in the account. A distribution from a Roth IRA is tax-free and penalty-free, provided the 5-year aging requirement has been satisfied and one of the following conditions is met: age 59½, disability, qualified first-time home purchase, or death. Roth IRAs are not subject to required minimum distributions (RMD) during the lifetime of the original owner, so you can leave your assets in the Roth IRA where they have the potential to continue to grow.


With a traditional IRA, contributions can be made on an after-tax basis, or a pre-tax (tax-deductible) basis if certain requirements are met. Any earnings in the traditional IRA are tax-deferred as long as they remain in the account. Withdrawals of pre-tax monies are subject to ordinary income tax when withdrawn and potential penalties if the distribution is taken before you reach age 59 1/2. RMDs are required from traditional IRAs no later than April 1st of the year following the year in which you turn age 72.* If you wait until April 1st, you will then be required to take your second distribution by the end of that year.


What is a Rollover IRA?
A Rollover IRA is a retirement account that allows you to move money from your former employer-sponsored retirement plan or another retirement account, into an IRA.


Why should you consider a Rollover IRA?
When you move money as a rollover from your employer-sponsored plan, you preserve the tax-deferred status and avoid early withdrawal penalties. Many people use Rollover IRAs to consolidate former employer-plans and gain access to a wider range of investment options. Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets.

What do I need to do to roll over my retirement plan assets to a Fidelity IRA?
A rollover takes three steps:
1. Open the appropriate IRA.*
2. Move your money to Fidelity—to do this, you will need to initiate a rollover from your former employer’s plan.
3. Choose your investments in the Rollover IRA.

Call 800-343-3548 and a rollover specialist will help you every step of the way. They can answer your questions, plus help you initiate the distribution and help you complete any paperwork that may be required. *Note that if you have an existing IRA at Fidelity, you can roll your assets into that account (see the next question).


Can I roll over assets into my Traditional IRA?
Yes, you can but it's important to be aware that if you do roll pre-tax 401(k) funds into a traditional IRA, you may not be able to roll those funds back into an employer-sponsored retirement plan. Contact your tax advisor for more information.


Will I owe taxes on my rollover?
Generally, there are no tax implications if you complete a direct rollover and the assets go directly from your employer-sponsored plan into a Rollover or Traditional IRA via a trustee-to-trustee transfer. However, if you choose to convert some or all of your savings in your employer-sponsored retirement plan directly to a Roth IRA, the conversion would be subject to ordinary income tax. Contact your tax advisor for more information.

If you withdraw the assets from your former employer sponsored retirement plan, the check is made payable to you, and taxes are withheld, you may still be able to complete a 60-day rollover. Within 60 days of receiving the distribution check, you must deposit the money into a Rollover IRA to avoid current income taxes.

If taxes were withheld from the distribution, you would have to replace that amount if you want to roll over your entire distribution to your Fidelity IRA. If you hold the assets for more than 60 days, your distribution will be subject to current income taxes and a 10% early withdrawal penalty if you are under age 59½.


Can I roll my money into a Roth IRA?
Most people are eligible to convert their 401(k) to a Roth IRA; however, it is important to be aware of the potential tax implications. If you have money in a designated Roth 401(k), you can roll it directly into a Roth IRA without incurring any tax penalties. However, if the 401(k) funds are pre-tax, then converting to a Roth IRA will be a taxable event. There are several factors to consider when deciding if converting to a Roth IRA may be right for you. Call Fidelity for more information about converting your savings to a Roth IRA.

Most commonly asked

What is the Fidelity Account®?
The Fidelity Account® is our low-cost brokerage account that can meet your trading needs as you grow as an investor.


Is the Fidelity Account® right for me?
It could be. Start by asking yourself these questions:


• Do you want to choose your own investments, monitor your account, and make changes to your account as needed?
• Do you want access to a wide range of investment choices?
• Do you want access to free research from 20+ independent providers—coming soon to Fidelity Spire?

How much does the Fidelity Account® cost?
The Fidelity Account® has zero account fees, no minimum balance, and $0 commissions for online US stock, ETF, and option trades.


How do I add money to my Fidelity Account®?
Soon, you'll be able to add money to the Fidelity Account® through the Fidelity Spire® app. For now, if you want to transfer cash or securities into your Fidelity Account®, go to Fidelity.com or the Fidelity Mobile® app.


How do I take money out of my Fidelity Account®?
Soon, you’ll be able to transfer money out of a Fidelity Account® through the Fidelity Spire® app. For now, if you want to transfer cash or securities from your Fidelity Account, go to Fidelity.com or the Fidelity Mobile® app.

Most commonly asked

What is a Fidelity® Cash Management Account (FCMA)?
The Fidelity® Cash Management Account (FCMA) is a brokerage account that's an alternative to a bank account. It gives you the flexibility to access your cash whenever you need it while still allowing you to put your money to work. The FCMA is a brokerage account designed for spending and cash management. It’s not intended to serve as your main account for securities trading, so you can consider a Fidelity Account if you're interested in securities trading.


What features does the Fidelity® Cash Management Account have?
Fidelity® Cash Management Account (FCMA) features include zero account fees, no minimum balance, reimbursed ATM fees, free checkwriting and deposits, and a debit card to access your money at any time when you need it. Plus, get up to $1.25 million in FDIC insurance.


Your Fidelity Cash Management account will automatically be reimbursed for all ATM fees charged by other institutions while using the Fidelity® Debit Card at any ATM displaying the Visa®, Plus®, or Star® logos. The reimbursement will be credited to the account the same day the ATM fee is debited. Please note there may be a foreign transaction fee of 1% included in the amount charged to your account.

How much does the Fidelity® Cash Management Account cost?
The Fidelity® Cash Management Account has zero account fees, no minimum balance, reimbursed ATM fees, and free checkwriting and deposits.


How do I add money to a Fidelity® Cash Management Account
You can add money to a Fidelity ® Cash Management Account (FCMA) through the Fidelity Spire® app. You can use an outside bank or another Fidelity account to fund your FCMA. 


If you're already in the Fidelity Spire® app, you can either go into your goal detail view and select the "Add money to your goal" button, or choose an account from the Accounts list, and select the "Transfer money" button. Select "Link a bank account" button to set up a funding account. Specify which accounts you are moving money to and from, the amount, and select "Preview transfer" and "Submit."


How do I take money out of a Fidelity® Cash Management Account?
You can withdraw money from your Fidelity® Cash Management Account through your debit card to access your money at any time when you need it. You can also use ApplePay®, Google Pay™, check, ATM withdrawals, and automatic withdrawals.