Pros, Cons, and Who Should Set up an Account

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0% Fidelity account and cash management account; Fidelity Go: balances under $10,000 ($0), balances between $10,000 and $49,999 ($3/month), balances $50,000 and above (0.35%)

Investment Types

Stocks, ETFs, and mutual funds


0% Fidelity account and cash management account; Fidelity Go: balances under $10,000 ($0), balances between $10,000 and $49,999 ($3/month), balances $50,000 and above (0.35%)

Investment Types

Stocks, ETFs, and mutual funds


  • No minimum to get started
  • Multiple account types, including Fidelity brokerage account, Fidelity Go, Fidelity Cash Management Account, traditional IRAs, Roth IRAs, and rollover IRAs
  • App offers trading, goal planning and tracking tools, and educational resources
  • Can connect non-Fidelity accounts


  • No investments outside of stocks, ETFs, and mutual funds

More Information

  • Promotion: None at this time.

Overall rating

Is Fidelity Spire right for you?

Fidelity Spire is a free mobile app that combines trading, goal-setting, and financial education all under one roof. The app also offers a decision making tool that helps you prioritize your investing and savings goals, so it’s a great option for those who want to add a bit more structure to their finances.

It also offers several account options, and it’s available on both iOS and Android devices.

Fidelity Spire vs. Digit

Fidelity Spire and Digit both offer investing and saving options for those looking to target all aspects of their finances. Both platforms also provide personal investment accounts in addition to traditional and Roth IRAs.

Fidelity Spire, however, has a wider range of investment choices. You can trade stocks, ETFs, and mutual funds through its app. Digit only offers ETFs. Plus, you’ll pay more in fees—it charges $5 per month.

Fidelity Spire vs. Albert

Like Digit, Albert offers a suite of investing and savings options. These include cash accounts, cash-back rewards, automatic savings tools, auto-investing, and much more.

But compared to Fidelity Spire, you’ll only be able to invest in stocks and ETFs, not mutual funds. Plus, you won’t have access to IRAs, and — since investing is only available through the Albert Genius subscription — you’ll have to pay at least $6 per month (or a higher rate) to access investing.

Ways to invest with Fidelity Spire

You don’t need to pay any fees to set up Fidelity Spire, but the accounts you set up within the app may have fees. Fidelity Spire has four key functions:

  • Trading: You can use the app to invest in stocks, ETFs, and mutual funds.
  • Goal planning: Fidelity Spire lets you set goals (eg. retirement, wedding, or family) and track your progress toward them.
  • Learning: The app includes a compilation of articles and educational guides that aim to help you make smarter financial decisions. You can even filter its library to find articles for goals like making major purchases, becoming debt-free, and more.
  • Prioritizing: With Fidelity Spire’s decision tool, users can get a closer look at how their monthly contributions affect their goal timelines. The app currently lets you compare up to two goals at once. Plus, its spare cash calculator makes it simple to determine whether you’ve got any money left over from your monthly budget. Fidelity Spire offers those who have spare cash guidance on how they can use those funds to get closer to their goals.

In addition, you can use several accounts with Fidelity Spire. These include the standard Fidelity account, the Fidelity Cash Management Account, Fidelity Go, traditional IRAs, Roth IRAs, and rollover IRAs. And you can even connect non-Fidelity accounts to the app to keep track of all your finances in one place.

Fidelity Spire: Is it trustworthy?

Fidelity Spire doesn’t currently have a Better Business Bureau profile, but its owner, Fidelity Investments, has an A+ rating with the BBB. This is the highest rating a business can receive, since bureau ratings range from A+ to F.

The ratings typically reflect the BBB’s opinion of how well a company interacts with its customers, but the bureau also considers the following when evaluating businesses: type of business, time in business, customer complaint history, licensing and government actions, and advertising issues.

Keep in mind, though, that ratings don’t guarantee performance or reliability. For this reason, it’s wise to conduct your own research in addition to the bureau’s findings. Fidelity’s profile shows it closed more than 300 complaints in the last 12 months.

Fidelity Spire — Frequently asked questions (FAQ)

What is the difference between Spire and Fidelity?

Fidelity Spire is a Fidelity-managed mobile app that takes a holistic approach to helping users build wealth. The app allows for trading, and it offers a library and several tools (such as its decision tool and spare cash calculator) that aim to help you better manage your finances.

Fidelity, on the other hand, is an

online brokerage

that provides a more extensive range of products. These include self-directed accounts, automated investing, retirement accounts, college savings plans, custodial accounts, and much more. Since Fidelity Spire is connected to Fidelity, you’ll still be able to utilize several of Fidelity’s products (eg, the Fidelity brokerage account, Fidelity Go, and more). You just won’t have access to all of the products provided by Fidelity.

What does Fidelity Spire do?

Fidelity Spire is a financial app that strives to help its users make smart financial decisions and reach their short- and/or long-term savings goals. As mentioned earlier, it offers trading, goal planning, financial education, and much more.

Can you trade options on Fidelity Spire?

No. Fidelity Spire doesn’t allow options trading at this time.

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