Fidelity Youth Account
real brokerage account for teens 13-17 to learn hands-on investing
How it works
The Fidelity Youth Account is a teen-owned brokerage account for ages 13-17 that lets teens buy and sell stocks, ETFs, and Fidelity mutual funds with parental oversight. It includes a free debit card for spending, fractional share investing starting at $1, and built-in financial literacy modules that reward learning with small cash incentives. The account transitions automatically to a standard Fidelity brokerage at age 18.
Is it right for you?
Consider if you
- Your teen is ready to learn real stock market investing with actual money
- You already have a Fidelity account (parent account required)
- You want a no-fee, no-minimum account with a debit card included
Skip if you
- Families who want chore or allowance tracking features
- Teens not yet interested in the stock market
- Parents who want to trade on behalf of their teen
Your money and data
The Fidelity Youth Account is offered through Fidelity Brokerage Services LLC, Member NYSE and SIPC. Securities are SIPC-protected up to $500,000. This is a teen-owned brokerage account (not a custodial account) — the teen controls trading and spending while parents can monitor activity, set alerts, and close the account if needed.
Pros & Cons
Pros
- No fees, no minimums, commission-free trading on U.S. stocks and ETFs
- Real brokerage experience with fractional shares starting at $1
- Free debit card plus built-in financial education with cash rewards for learning
Cons
- Parent cannot trade on teen's behalf at all
- App bugs and slow account setup widely reported by users
- Requires parent to have an existing Fidelity account
Pricing details
$0/month · $0 minimum · commission-free U.S. stock and ETF trades
On fidelity.com · We may earn a commission
How we evaluate tools →