Low fees are one of the biggest reasons investors choose Fidelity. But "low" does not mean "none," and knowing exactly which Fidelity fee applies to you can save real money over time.
The good news is that Fidelity's pricing is among the most transparent in the industry. Most everyday investors will pay $0 in commissions and $0 in account fees. This guide walks through the full Fidelity fee schedule as of June 2026, including the small charges that catch people off guard.
Fidelity Fees at a Glance
Here is a quick reference table of the most common Fidelity fees, current as of June 2026.
| Fee | Amount |
|---|---|
| Stock and ETF online commission | $0 |
| Options commission | $0 plus $0.65 per contract |
| Account opening / maintenance | $0 |
| Account minimum | $0 |
| Broker-assisted trade | $32.95 flat |
| Outgoing account transfer (ACAT out) | $0 |
| Outgoing domestic wire | $10 |
| Fidelity ZERO index fund expense ratio | 0.00% |
Most active retail investors who trade stocks and ETFs online will pay nothing in commissions or account fees. The fees below apply only in specific situations.
Stock and ETF Commissions: $0
This is the headline. As of June 2026, all online U.S. stock and ETF trades at Fidelity cost $0 in commissions. There is no account minimum, no minimum trade size, and no per-share fee.
That means if you buy or sell shares of a stock or ETF through Fidelity's website or app, the trade itself is free. This is the same commission-free model offered by competitors like Robinhood and Public, so cost is no longer a reason to avoid any of the major brokers. If you want a fast, mobile-first app where those same $0 stock and ETF trades come with fractional shares and a simple interface, Robinhood is an easy place to start.
The main exception is broker-assisted trades. If you call a live Fidelity representative to place a trade for you, the fee is a flat $32.95 per trade.
Robinhood
Robinhood
Robinhood is a trading platform that brings stocks, ETFs, options, futures, prediction markets, crypto, and retirement accounts together in one app.
Standout feature
One platform for stocks, ETFs, options, futures, prediction markets, and crypto
Fees
$0 commission on stocks, ETFs, and options.
Pros
Zero-commission trading on stocks, ETFs, and options
Cons
Best perks (high APY, lower margin rates) require Gold subscription ($5/month)
Options Trading Fees
Options are slightly different. Fidelity charges $0 commission to trade options, but it adds a $0.65 per-contract fee.
So if you trade 10 option contracts, you pay $6.50 total ($0.65 times 10). This per-contract rate is in line with other major brokers. Professional options traders, as defined by exchange rules, are subject to an additional $0.50 per contract.
For most casual investors, options are a more advanced and higher-risk strategy, so this fee may not apply to you at all.
No Account Fees or Minimums
One of Fidelity's biggest advantages is what it does not charge. As of June 2026, there is no fee to open a retail brokerage account, no annual maintenance fee, and no minimum balance requirement.
This applies to standard accounts including the brokerage account, Roth and Traditional IRAs, and the Cash Management Account. You can open an account with $0 and keep it open with $0, paying only for specific services you actually use.
Uninvested cash can also earn a yield. As of June 4, 2026, Fidelity's SPAXX money market fund showed a 3.28% 7-day yield, though that rate moves with the market.
Mutual Fund and Expense Ratio Fees
When you buy a fund, you pay an ongoing yearly cost called an expense ratio. This is charged by the fund itself, not by Fidelity as a trading fee, but it still affects your returns.
Fidelity's index funds are known for being ultra-cheap. The Fidelity 500 Index Fund (FXAIX) charges about 0.015% per year as of June 2026, which is roughly $1.50 a year on a $10,000 balance. Even lower, Fidelity's ZERO funds, such as the Fidelity ZERO Total Market Index Fund (FZROX) and Fidelity ZERO Large Cap Index Fund (FNILX), carry a 0.00% expense ratio.
Keep in mind that ZERO funds are only available inside Fidelity accounts and cannot be transferred in-kind to another broker. Some non-Fidelity mutual funds may also carry a transaction fee, so it helps to understand the ETF vs mutual fund distinction and check the fund's details before buying.
Transfer, Wire, and Other Fees
A few situational fees round out the schedule. These only apply if you use the specific service.
- Outgoing account transfer (ACAT out): $0. This is notable because many brokers charge $50 to $75 to move your account elsewhere. Fidelity does not.
- Outgoing domestic wire transfer: $10.
- Broker-assisted trade: $32.95 flat.
- Returned check or insufficient funds: a fee may apply, so confirm the current amount on fidelity.com.
The $0 transfer-out fee is a genuine win for investors. It means you are never locked in by a penalty if you decide to move your money to another platform later.
How Fidelity Fees Compare to Other Brokers
On core costs, Fidelity is competitive with or cheaper than most rivals. Robinhood and Public also offer $0 stock and ETF commissions, so the headline numbers match. Public adds fractional shares, bonds, and a high-yield cash account in a polished mobile app, so if you want low fees alongside a modern, design-forward experience, it is worth comparing before you commit.
Public
Public
Investing for those who take it seriously. Invest in stocks, bonds, options, crypto & more.
Standout feature
A 5%+ yield Bond Account paired with 3.3% APY on cash — Public is one of the only consumer apps where idle and conservative money is treated as seriously as the equity portfolio.
Fees
Free
Pros
• Invest in stocks, bonds, crypto & more• Earn 3.3% APY* on your cash with no fees• 1% match when you transfer your portfolio• Lock in a 5%+ yield with a Bond Account
Cons
Customer support is in-app and email only, no phone
Where Fidelity stands out is the combination of $0 commissions, $0 account fees, a $0 transfer-out fee, and its lineup of 0.00% expense-ratio ZERO funds. Few competitors match all four at once, as a closer Fidelity review makes clear. If you also want to keep your investment costs and overall budget visible in one place, a tracking app like Monarch Money can connect your accounts and surface fees you might miss. And if credit health is part of your financial picture, you can track your credit score for free with Creditship.ai.
All figures in this guide are current as of June 2026 and can change. Always confirm the latest numbers on Fidelity's official pricing page before making decisions, since fee schedules are updated periodically.
Frequently Asked Questions
Does Fidelity charge any monthly or annual account fees?
No. As of June 2026, standard retail Fidelity accounts have no monthly fee, no annual maintenance fee, and no minimum balance requirement. You only pay for specific services like options contracts, broker-assisted trades, or outgoing wires.
How much does Fidelity charge to trade stocks?
Online U.S. stock and ETF trades are $0 commission. The only stock-trading fee is for broker-assisted trades placed by phone with a representative, which cost a flat $32.95 per trade.
Does Fidelity charge a fee to transfer my account out?
No. Fidelity does not charge an outgoing ACAT transfer fee, which is unusual since many brokers charge $50 to $75. This means you can move your account to another broker without paying Fidelity a penalty.
What is the expense ratio on Fidelity's index funds?
It is very low. The Fidelity 500 Index Fund (FXAIX) charges about 0.015% per year as of June 2026, and Fidelity's ZERO funds like FZROX and FNILX carry a 0.00% expense ratio. These costs are charged by the fund, not as a Fidelity trading fee.
