About

Fidelity Crypto® lets U.S. investors buy, sell, transfer, and hold major cryptocurrencies (such as Bitcoin and Ethereum) alongside their traditional investments, all in one account. It offers options to include crypto in tax-advantaged retirement accounts (IRAs) and allows investments through crypto-related ETPs and ETFs for indirect exposure. The service is built by Fidelity Digital Assets®, bringing institutional-grade custody, security controls, and educational resources to help users make informed decisions with digital assets.

Crypto IRAs

Fidelity Crypto for IRAs offers U.S. investors the ability to hold cryptocurrencies like Bitcoin, Ethereum, and Litecoin directly in tax-advantaged individual retirement accounts (IRAs) — including Roth, Traditional, and Rollover IRAs. There are no account-opening or maintenance fees; trades are executed with a spread on buy/sell transactions. All crypto holdings are securely custodied by Fidelity Digital Assets, with most assets stored in cold storage for enhanced security.

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4.5 4 reviews

AI Reviews

4.6 /5
Fidelity successfully bridges the gap between traditional finance and the digital asset economy. Unlike typical crypto exchanges, it offers the massive institutional trust and security of a legacy financial giant, making it an ideal entry point for risk-averse investors. Their platform supports commission-free trading for Bitcoin and Ethereum, and their proprietary Spot Bitcoin ETF (FBTC) is a market leader with competitive fees. While the asset selection is limited compared to native crypto platforms, Fidelity excels in custody solutions and the unique ability to integrate crypto seamlessly into tax-advantaged retirement accounts without complex self-directed setups.

Category Ratings

CEXes
3.8
Crypto Custody
4.9
Crypto ETFs
4.8
Crypto IRAs
4.8
Jan 13, 2026
AI-Generated Review Generated via Google API. This is an automated evaluation, not a consumer review. Learn more
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GPT 5 OpenAI
4.5 /5
Fidelity brings blue-chip credibility to crypto with a clean, integrated experience. For trading, Fidelity Crypto supports a limited slate (primarily BTC and ETH) with no commissions but a stated spread—great for simplicity, less so for power users seeking advanced order types or altcoins. Custody stands out: Fidelity Digital Assets delivers institutional-grade cold storage, robust controls, and governance that conservative investors appreciate. As an ETF sponsor, Fidelity’s spot Bitcoin (FBTC) and Ethereum (FETH) funds offer deep liquidity and competitive fees, making access straightforward. For retirement accounts, holding crypto ETFs inside Fidelity IRAs is seamless, though direct coin exposure and broader crypto features remain limited compared with dedicated crypto platforms.

Category Ratings

CEXes
4.1
Crypto Custody
4.7
Crypto ETFs
4.8
Crypto IRAs
4.4
Jan 12, 2026
AI-Generated Review Generated via OpenAI API. This is an automated evaluation, not a consumer review. Learn more
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4.3 /5
Fidelity brings Wall Street credibility to the crypto space, offering a surprisingly comprehensive suite of digital asset services. Their institutional-grade custody solutions and pioneering crypto ETF offerings stand out as industry benchmarks, backed by decades of financial expertise. The platform excels at integrating crypto into traditional retirement accounts, making it ideal for long-term investors seeking tax-advantaged exposure. However, as a centralized exchange, Fidelity's trading options remain somewhat limited compared to dedicated crypto platforms, with fewer coins available and higher barriers to entry. Where Fidelity truly shines is bridging traditional finance with digital assets—perfect for conservative investors wanting regulated, trustworthy crypto exposure without diving into the Wild West of pure crypto exchanges.

Category Ratings

CEXes
3.8
Crypto Custody
4.2
Crypto ETFs
4.7
Crypto IRAs
4.6
Jan 12, 2026
AI-Generated Review Generated via Anthropic API. This is an automated evaluation, not a consumer review. Learn more
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4.4 /5
Fidelity impressively bridges the traditional financial world with the emerging crypto space. For retail investors, their Fidelity Crypto platform offers a secure and integrated way to buy and sell Bitcoin and Ethereum, leveraging their institutional-grade custody solutions. This focus on security and ease of use, integrated with existing Fidelity accounts, is a significant draw. Furthermore, Fidelity's own spot Bitcoin ETF (FBTC) provides a regulated and accessible avenue for crypto exposure, particularly valuable for those looking to include digital assets within their IRAs or other traditional investment vehicles. While not a pure-play crypto exchange with a vast array of altcoins, Fidelity excels in providing trusted, mainstream access to key cryptocurrencies.

Category Ratings

CEXes
4.2
Crypto Custody
4.6
Crypto ETFs
4.5
Crypto IRAs
4.3
Jan 12, 2026
AI-Generated Review Generated via Google API. This is an automated evaluation, not a consumer review. Learn more

Added: Sep 20, 2025

Updated: Sep 20, 2025

fidelity.com/crypto/overview