Fidelity Crypto Review (October 2026): Fees, US States and Licenses

Our verdict

Fidelity Crypto is provided by Fidelity Digital Assets, National Association, a national trust bank, and is available in all 50 states according to Fidelity. It lists five assets: Bitcoin, Ether, Litecoin, Solana and the FIDD stablecoin. Trades carry a 1% fee each way. Crypto can be transferred in and out, and Roth, Traditional and Rollover Crypto IRAs are offered outside California and Oregon.

Fidelity Crypto fees

Maker / taker

— Not verified

Simple buy

1% trading fee on each crypto buy and sell; no separate commission

Volume tiers

No fees to open or maintain an account or for custody (stated on the Crypto IRA page); no volume tiers published.

ACH deposit

— Not verified

Wire deposit

— Not verified

Card purchase

— Not verified

USD withdrawal

— Not verified

Crypto withdrawal

Blockchain transfers carry fees (amount not verified); Fidelity-to-Fidelity transfers are free

Minimum deposit

— Not verified

Is Fidelity Crypto available in my state?

Fidelity's 2026 learning-center update says Fidelity Crypto is available in all 50 states; accounts are provided by Fidelity Digital Assets, National Association, a national trust bank.

• AL available
• AK available
• AZ available
• AR available
• CA available
• CO available
• CT available
• DE available
• DC available
• FL available
• GA available
• HI available
• ID available
• IL available
• IN available
• IA available
• KS available
• KY available
• LA available
• ME available
• MD available
• MA available
• MI available
• MN available
• MS available
• MO available
• MT available
• NE available
• NV available
• NH available
• NJ available
• NM available
• NY available
• NC available
• ND available
• OH available
• OK available
• OR available
• PA available
• RI available
• SC available
• SD available
• TN available
• TX available
• UT available
• VT available
• VA available
• WA available
• WV available
• WI available
• WY available

Fidelity says the taxable Fidelity Crypto account is available in all 50 states (DC was not separately confirmed); Fidelity Crypto for IRAs is not available in California or Oregon.

New York

Yes

ID check (KYC)

Yes

Withdraw crypto

Yes

Funding

Transfer from linked Fidelity account, Crypto

Is Fidelity Crypto regulated?

• Bank charter

US operator

Fidelity Digital Assets, National Association

Parent company

FMR LLC (Fidelity Investments)

State licenses

Operates under a national trust bank charter; no Fidelity entity appears on the NYDFS virtual currency regulated-entities list as fetched on October 5, 2026.

New York license

None

Bank charter

OCC national trust bank (Fidelity Digital Assets, National Association)

Other

Fidelity Digital Assets launched the Fidelity Digital Dollar (FIDD) stablecoin in February 2026.

Founded

1946

Headquarters

Boston, MA, USA

How secure is Fidelity Crypto?

Proof of reserves

— Not verified

Audits

— Not verified

Insurance

Crypto is not insured by the FDIC, SIPC or any other government agency; Fidelity says assets are held in cold-vaulted storage and monitored 24/7.

Incidents since 2019

None found in the sources checked.

Crypto held on a platform is not covered by FDIC or SIPC insurance.

What you can do on Fidelity Crypto

• Spot
• IRA
• Stocks & ETFs

Crypto IRAs (Roth, Traditional, Rollover) launched in April 2025 and are not available in California or Oregon. Crypto can be transferred in and out, and sent free between Fidelity customers. Sellers can choose specific tax lots. Solana was added in October 2025. Stocks, ETFs and spot crypto ETPs trade in the separate Fidelity brokerage account.

Apps

Web, iOS, Android

Support

Phone (24/7), Chat (Mon-Fri 8 a.m.-10 p.m. ET), Help center