Report updated Jun 27, 2026
Fidelity Investments
For individual investors ranging from beginners seeking fractional share access to experienced traders requiring research tools and crypto exposure.
Fidelity Investments is an established finance app that is free with in-app purchases. With a 4.7/5 rating from 3.4M reviews, it shows polarized user reception. Users particularly appreciate platform reliability and research depth, though mobile interface complexity remains a common concern.
What is Fidelity Investments?
Fidelity Investments is a retail brokerage app for iOS and Android that provides stock, ETF, and crypto trading alongside financial planning tools.
Users hire Fidelity to consolidate long-term wealth management and self-directed trading into a single, institutionally-backed platform.
Current Momentum
v4.35 · 3w ago
Active- Maintains top-50 finance category rank.
- Ships regular stability and bug fixes.
Active Nemesis
Webull: Investing & Trading
By Webull Technologies Pte
Other Rivals
Rating Pulse 🇺🇸
Recent User MoodAI-powered deep analysis surfacing high-signal insights. Still in beta, accuracy improves daily. For informational purposes only.
What makes this app unique?
What Does It Look Like?
How Is The App's Momentum Right Now?
Loading...
What Are The Key Features?
Platform for trading US stocks, ETFs, and mutual funds with $0 commission.
Trading and custody services for bitcoin and ethereum.
Ability to purchase US stocks and ETFs for as little as $1.
How much does it cost?
- Retail brokerage with $0 commissions on US stocks and ETFs
- Managed accounts and advisory services available for fees
Monetization relies on asset management fees and advisory services, while core trading is offered at $0 commission to drive user acquisition.
Who Built It?
Fidelity Investments
Providing a comprehensive financial ecosystem for investors and employees to manage wealth, workplace benefits, and healthcare savings.
Portfolio
4
Apps
Who is Fidelity Investments?
Fidelity has built a vertically integrated financial moat by bridging retail brokerage with institutional workplace benefits. Unlike pure-play retail competitors, their ecosystem captures users through employer-sponsored plans and health savings accounts, creating a high-switching-cost environment. The integration of native cryptocurrency trading and 24/7 virtual assistance signals a strategic push to modernize their legacy image for a digital-native demographic.
Who is Fidelity Investments for?
- Individual retail investors
- Employees managing workplace retirement
- Health benefits
- Philanthropic donors
Portfolio momentum
Maintained an intense development pace with 21 updates across 4 apps in the last 6 months, with the most recent major release occurring 4 days ago.
What other apps does Fidelity Investments make?
What do users think recently?
High confidence · Latest 100 of 3.4M total reviews analyzed
How did the latest release land?
What is the recent mood?
Recent user voice shows a mixed sentiment. Users appreciate platform reliability and research depth, but report mobile interface complexity.
What Users Love
What Frustrates Users
What is the competitive landscape for Fidelity Investments?
How's The Finance Market?
How does it evolve in the Finance market?
Fidelity sits #62 Free / #41 Finance in the US, maintaining a stable chart presence. The gap between its institutional research depth and the mobile-first UI of rivals like Webull defines its current competitive tension.
| Country | Category | Chart | Rank | Change |
|---|---|---|---|---|
| 🇺🇸 US | Finance | iOSFree | #13 | ▲1 |
| 🇺🇸 US | Finance | AndroidFree | #41 | ▲2 |
The rivals identified
The Nemesis
Head to Head
Fidelity must modernize its mobile UI and integrate more real-time technical analysis tools to prevent losing the active trader demographic to Webull.
What sets Fidelity Investments apart
Fidelity offers a more comprehensive ecosystem including banking, retirement planning, and institutional-grade research.
Fidelity provides greater trust and stability as a long-standing, multi-asset financial institution.
What's Webull: Investing & Trading's Edge
Webull features a more modern, mobile-first UI that is significantly more intuitive for younger, tech-savvy traders.
Webull's rapid release cadence and focus on social trading features drive higher engagement among active retail investors.
Contenders
Provides a fully digital account opening process that reduces friction for new users compared to traditional brokerage onboarding.
Features a highly customizable homepage that allows users to prioritize their most-used banking and financing widgets.
Integrates business banking and personal finance into one interface, simplifying the user experience for small business owners.
Offers seamless online loan repayment workflows that outperform Fidelity's current focus on investment-centric cash management.
Utilizes a specialized virtual assistant designed specifically for complex brokerage account queries and portfolio management tasks.
Focuses exclusively on brokerage account management, providing a streamlined experience without the clutter of general banking features.
Viva Credit
★4.9 (14.4K)Viva Credit IFN SA
Viva Credit competes for the user's liquid capital by offering on-demand credit and flexible repayment options that serve as an alternative to cash management.
Provides a revolving line of credit that offers immediate liquidity, contrasting with Fidelity's focus on long-term wealth accumulation.
Uses aggressive new customer promotions to capture market share from traditional financial institutions like Fidelity.
Peers
Operates as a federally regulated prediction market, allowing users to trade on real-world events rather than just equities.
Provides a developer API that allows power users to build custom trading bots and automated strategies.
Features a 'LiveTrade' in-game experience that gamifies the prediction market for a more immersive user engagement.
Focuses on global event outcomes, providing a unique speculative asset class that traditional brokerages currently lack.
Offers highly granular loan amortization tables that provide more detail than Fidelity's general financial planning calculators.
Provides a dedicated, ad-supported simulation environment that is faster to access for quick 'what-if' financial scenarios.
Delivers investment news in 50-word summaries, catering to users who prefer rapid information consumption over deep research.
Includes verified stock recommendations that provide actionable signals directly within the news feed interface.
New Kids on the Block
Offers specialized position sizing and options calculators that provide immediate utility for traders without requiring a full brokerage login.
Madacash Compare
★4.8 (4)Guild Craft Builder Inc.
This newcomer targets the financial planning segment by offering specialized tools for loan comparison and repayment strategy simulation.
Provides a dedicated repayment strategy simulator that helps users optimize debt payoff, a feature Fidelity lacks in its core app.
The outtake for Fidelity Investments
Strengths to defend, gaps to attack
Core Strengths
- Institutional-grade research library sustains long-term retention
- $0-commission structure drives mass-market acquisition
- Multi-asset support creates high switching costs
Critical Frictions
- Mobile UI complexity increases new-user friction
- Lack of real-time technical charting tools
- 0.6-star Android-iOS rating gap indicates platform-specific issues
Growth Levers
- Integrate wearable-friendly portfolio snapshots
- Expand B2B partnerships via workplace benefits
- Add social-trading features to capture younger segments
Market Threats
- Webull's AI-driven insights attract younger demographics
- Event-based prediction markets divert speculative capital
- Rapid UI updates from competitors erode perceived modernity
What are the next best moves?
Simplify mobile navigation because user reviews flag UI clutter as the top frustration → improve new-user conversion
Sentiment data identifies mobile interface complexity as the primary complaint.
Trade-off: Pause the development of new crypto-asset support — UI friction is a higher churn risk than asset variety.
Integrate real-time technical charting tools because Webull's charting is a primary competitive advantage → reduce active-trader churn
Competitor analysis identifies Webull's charting as the main driver for active trader migration.
Trade-off: Deprioritize the general banking feature update — active traders provide higher lifetime value.
A counter-intuitive read
The 'AI race' framing misses that Fidelity's moat is institutional trust and workplace benefit integration, which are harder for mobile-first startups to replicate than technical charting features.
Feature Gaps vs Competitors
- Real-time technical charting (available in Webull but missing here)
- Social trading features (available in Webull but missing here)
Key Takeaways
Fidelity holds its category lead through sticky institutional services but bleeds active traders to mobile-first rivals, so revenue growth hinges on modernizing the UI and integrating real-time technical analysis tools.
Where Is It Heading?
Mixed Signals
The retail brokerage market is consolidating around mobile-first experiences that prioritize speed and technical data density. Fidelity remains advantaged by its institutional trust, but maintenance-mode updates leave it exposed to agile rivals who are rapidly capturing the active-trader demographic.
The persistent Android-iOS rating gap suggests technical debt on the Android build, which compounds user frustration and limits growth in that segment.
The $0-commission model continues to anchor a large, stable user base, providing a foundation for cross-selling advisory services and managed accounts.