Fidelity Fees 2026 — Complete Fee Schedule Explained

Fidelity charges $0 for stock and ETF trades, $0 for its own ZERO index funds, $0 for outgoing account transfers, and $0 for outgoing domestic wire transfers. The main fees to know are the $49.95 non-NTF mutual fund transaction fee and the 0.35% annual fee on Fidelity Go once your balance reaches $25,000. For most long-term investors using stocks, ETFs, or Fidelity’s own funds, the real annual cost at Fidelity is zero.

Fidelity Fee Schedule at a Glance

Note: some older content on this site stated a $10 outgoing domestic wire fee for Fidelity. That figure was not confirmed against Fidelity’s own published fee schedule and has been corrected here to $0, based on fidelity.com/trading/commissions-margin-rates, verified September 19, 2026.

Trading Commissions

Stocks and ETFs: $0

All listed US stocks and ETFs trade commission-free at Fidelity. There is no account minimum, no minimum trade size, and no per-share fee. Fidelity also supports fractional shares — you can buy as little as $1 worth of any stock — which makes it one of the most accessible brokerages for new investors with smaller balances.

Broker-assisted trades: Fidelity’s published commission schedule notes that additional concessions or commissions may apply if you place a trade with a Fidelity representative rather than online. Confirm the current broker-assisted rate directly with Fidelity before placing a phone trade; use fidelity.com or the mobile app to avoid it entirely.

Options: $0 + $0.65 per Contract

Options trades carry no base commission at Fidelity. The per-contract fee is $0.65, matching Schwab, Merrill Edge, and E*TRADE.

Example: You buy 12 call contracts at $0.65 per contract. Total fee: $7.80.

Active options traders placing 30+ contracts per month should compare Fidelity’s flat $0.65 against brokerages with volume discounts.

Fidelity ZERO Index Funds: 0.00% Expense Ratio

Fidelity’s four ZERO index funds charge no expense ratio — not just zero commission, but literally 0.00% annual operating expense:

Corrected September 19, 2026: this table previously mislabeled FZROX as a bond index fund and listed FXNAX (a real but non-ZERO Fidelity bond index fund) as one of the “four ZERO funds.” FZROX is a US total-stock-market fund, not a bond fund, and the actual fourth ZERO fund is FNILX. Confirmed against Fidelity’s own fund-summary pages (fundresearch.fidelity.com) and Fidelity’s ZERO funds overview page.

The key limitation: ZERO funds are proprietary Fidelity funds and cannot be transferred to another brokerage in-kind. If you move your account to Schwab or Vanguard, you must sell ZERO fund holdings first (a taxable event in non-IRA accounts). See the Fidelity ZERO funds guide for a full analysis.

If you want low-cost bond exposure instead, Fidelity’s FXNAX (Fidelity U.S. Bond Index Fund) tracks the Bloomberg US Aggregate Bond Index at a 0.025% expense ratio — not a ZERO fund, but still one of the lowest-cost bond index options available.

NTF Mutual Funds: $0

Fidelity’s NTF list includes thousands of third-party mutual funds that trade for free. This includes funds from Vanguard, American Funds, T. Rowe Price, and others.

Non-NTF Mutual Funds: $49.95

Funds not on the NTF list cost $49.95 per transaction — one of the higher non-NTF fees among major brokerages (Merrill Edge charges $19.95, E*TRADE charges $19.99). If you plan to actively trade non-NTF funds, Merrill Edge is cheaper per transaction.

Fidelity Go Fee: 0.35% Once Your Balance Reaches $25,000

Fidelity Go is Fidelity’s robo-advisor. Fees are tiered by balance:

Important: once your balance reaches $25,000, the 0.35% fee applies to your entire balance — not just the amount above $25,000.

Worked example: Rachel has $40,000 in Fidelity Go. Her annual fee is $40,000 × 0.35% = $140 (calculated on the full $40,000, not just the $15,000 above the $25,000 threshold).

Fidelity Go invests exclusively in Fidelity Flex mutual funds with 0.00% expense ratios. Your total all-in cost is 0.35% once you cross $25,000 — lower than Merrill Guided Investing (0.45%) and higher than E*TRADE Core Portfolios (0.30%). See the Fidelity Go guide for a full comparison.

Account Transfer Fee: $0

Fidelity charges nothing for outgoing ACAT transfers. This puts Fidelity alongside Schwab as a no-penalty brokerage to leave — unlike Merrill Edge ($49.95) or E*TRADE ($75). Fidelity frequently reimburses incoming transfer fees from other brokerages. Check fidelity.com or call 800-343-3548 for current reimbursement promotions.

Wire Transfer Fees

Fidelity does not charge for outgoing or incoming domestic wire transfers, per Fidelity’s own published commission and fee schedule (fidelity.com/trading/commissions-margin-rates, verified September 19, 2026). Free ACH transfers also work for most funding needs. International wire fees vary — confirm the current rate directly with Fidelity before sending one.

Margin Rates

Fidelity’s margin rates are competitive and tiered by debit balance. They generally track near the federal funds rate plus a spread that decreases as your balance grows. Visit fidelity.com for current rates, which change with the Federal Reserve’s target rate — note that the Fed raised its target range to 3.75%–4.00% at its September 16, 2026 meeting, so margin rates may have moved since any figure quoted before that date.

What Fidelity Doesn’t Charge

• No account minimum
• No annual maintenance fee
• No inactivity fee
• No ACAT-out fee — transfer away for free
• No outgoing domestic wire fee
• No dividend reinvestment fee — DRIP is free
• No fractional share fee — buy from $1

Fidelity vs Competitor Fees

Fidelity’s, Schwab’s, Merrill Edge’s, ETRADE’s, and Vanguard’s competitor figures above (other than Fidelity’s own, re-verified this session) were not independently re-verified this session — confirm current fees directly with each brokerage.*

Fidelity’s $0 outgoing wire fee and $0 ACAT-out are among the most investor-friendly cost elements in this comparison. Its Fidelity Go fee (0.35% on the full balance once you cross $25,000) is competitive but not the cheapest robo-advisor option.

The Real Cost of Investing at Fidelity

A long-term ETF or stock investor at Fidelity pays $0 per year in fees. The fees that can bite:

1. $49.95 mutual fund fee — if you buy actively managed non-NTF funds frequently
2. 0.35% Fidelity Go fee — charged on your entire balance once it reaches $25,000, if you use the robo-advisor
3. International wire fees — domestic wires are free; confirm current international wire costs if applicable

Worked example: James holds $120,000 at Fidelity: $80,000 in FZROX and $40,000 in Fidelity Go. Annual costs: $0 on FZROX (0.00% expense ratio) + $140 on Fidelity Go (0.35% × $40,000) = $140 total. With no annual fee, no ACAT-out fee, and no domestic wire fee, Fidelity is one of the lowest-cost full-service brokerages available.

See the full Fidelity review and compare all options at the best brokerage accounts guide.

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.