Getting started

Fidelity Bloom^® is an easy-to-use app that helps you learn how to save and invest so you can make smart money decisions now and after graduation.

Fidelity Bloom^® is accessible to students at select universities. Each university has a unique QR code that gives you access to download your school’s personalized app experience. Once you download the Fidelity Bloom app, you’ll go through the process of opening two accounts: a Fidelity Bloom Save account and a Fidelity Bloom Spend account.

After you open your accounts, you’ll be able to use all the features of the app, including investing, financial lessons, and more.

You'll open two accounts: a Fidelity Bloom^® Save account and a Fidelity Bloom Spend account. These are brokerage accounts, not traditional bank accounts.

A brokerage account gives you access to the stock market, which allows your cash to be automatically placed in low-risk money market mutual funds.¹

While past performance is no guarantee of future results, these funds have historically outperformed traditional savings accounts. This means the money you deposit into these accounts can earn returns, and, in the past, money held in these funds has earned higher returns over time than money held in a traditional savings account.

Additionally, you can choose to invest money held within your Fidelity Bloom Save account via the Fidelity Bloom app or Fidelity.com.

Fidelity Bloom accounts are brokerage accounts covered by SIPC insurance. They are not bank accounts and therefore are not covered by FDIC insurance. Holdings in your Fidelity Bloom accounts are subject to market risk and risk of loss.

1. You could lose money by investing in a money market fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. The fund may impose a fee upon the sale of your shares. An investment in the fund is not a bank account and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Fidelity Investments and its affiliates, the fund’s sponsor, is not required to reimburse the fund for losses, and you should not expect that the sponsor will provide financial support to the fund at any time, including during periods of market stress.

Students at select universities are eligible to download Fidelity Bloom^® through a unique QR code specific to their school. You must be at least 18 years old and have a Social Security number to open the required accounts in the app.

The only way to download Fidelity Bloom^® is to scan your university’s unique QR code. You can find this on your Fidelity Bloom information card, your university’s website, or campus signage.

If you can’t find these materials, please email us at StudentHelp@Fidelity.com, and we’ll send you your university’s QR code. In your email, be sure to include which university you attend.

You can find your university’s unique QR code on your Fidelity Bloom^® information card, your university’s website, or campus signage.

If you can’t find these materials, please email us at StudentHelp@Fidelity.com, and we’ll send you your university’s QR code. In your email, be sure to include which university you attend.

Your Fidelity Bloom^® accounts (and any money deposited in them) are yours. When you leave or graduate from your university, they remain yours. You can still access your accounts through the Fidelity Bloom app, the Fidelity Investments app, or Fidelity.com.

Students at participating universities have uninterrupted access to the Fidelity Bloom app. If you'd like to download the app, you can do so by scanning your university's unique QR code. If you already have an account, you can continue to use the app to save and invest.

To open your accounts, you’ll need to provide your phone number, Social Security number, and a personal email address. Fidelity does not recommend providing your university email address as you may lose access to it after graduation.

In some cases, you may also be asked to provide a government-issued ID (like a driver’s license or passport) to help us verify your identity and protect your account against fraud.

Fidelity Bloom^® prompts you to open two accounts (Fidelity Bloom Save and Fidelity Bloom Spend) to separate your saving from your spending. Research shows that you’re more likely to have a greater awareness of your finances, and you’re less likely to move money when you have separate accounts with distinct purposes.

You don’t need to make any deposits to open your accounts.

In some cases, extra steps will be necessary to verify your identity before you can open your Fidelity Bloom^® accounts.

You may see a message in the app or receive an email asking you to upload additional documents. If you see this message or receive an email, you will need to upload a photo of your Social Security card and your government-issued ID (like a driver’s license or passport).

It’s possible that you opened a Fidelity retirement account—like a 401(k)—as part of your benefits package through a current or previous employer.

If you don’t know your login credentials, you'll first need to look up your username and reset your password through Fidelity.com.

To look up your username or reset your password, follow these steps:

• Go to Fidelity.com and select "Log in"
• Select "Forgot username or password?"
• Verify your identity by entering your name, date of birth, and the last 4 digits of your Social Security number, then select “Continue.”
  • When asked to request a security code, select the phone number where you want the code sent.
• Select "Lookup username" or "Reset password" and follow the prompts.
• If you're asked a security question, answer it and you'll be prompted to create a new password.
  • If you answer incorrectly, Fidelity will block access to your account until we can verify no one else is trying to access it.
  • To unblock your account, please call 800-343-3548.
• Once you know your username and reset your password, you can open your Fidelity Bloom^® accounts using these credentials.