can you transfer stocks from cash app to fidelity

Can you transfer stocks from Cash App to Fidelity?

Asking "can you transfer stocks from Cash App to Fidelity" is common for investors moving brokerage holdings. This guide answers that question directly and walks you through eligibility, timing, fees, step-by-step initiation, practical tips, common pitfalls, and alternatives. By the end you will know what transfers in-kind, what stays in Cash App, how long an ACATS/TOA typically takes, and when to contact each firm. It also highlights recordkeeping and tax basics and offers Bitget alternatives for custody or wallet needs.

Background and definitions

The short answer to "can you transfer stocks from Cash App to Fidelity" is: yes, in many cases. Cash App Investing (brokered by DriveWealth) supports outbound transfers via the ACATS/Transfer of Assets (TOA) system, and Fidelity accepts incoming ACATS transfers. ACATS (Automated Customer Account Transfer Service) is the industry-standard electronic process U.S. broker-dealers use to move securities between accounts without liquidating eligible positions.

Important terms:

• ACATS / TOA: The electronic transfer process used between U.S. broker-dealers to move eligible securities and cash without selling them.
• In-kind transfer: Moving a security in its current form (whole share) from one brokerage to another without selling it.
• Fractional shares: Portions of a share (less than one whole share). Fractional shares are commonly not transferable via ACATS.
• DriveWealth / Carrying broker: Cash App Investing is provided through a brokerage relationship (historically DriveWealth); the carrying broker executes regulations and clearing operations.

As of 2026-01-21, according to Cash App Support and Fidelity help pages, ACATS remains the primary method for moving brokerage assets between firms. Many brokers publish similar timelines and fee notices for outbound and inbound ACATS transfers.

What can (and cannot) be transferred

When considering "can you transfer stocks from Cash App to Fidelity," you need to know which holdings are eligible for an in-kind ACATS transfer and which are not.

What typically can be transferred in-kind:

• Whole shares of U.S.-listed equities that are carried and settled in the Cash App brokerage account. These usually move without liquidation.
• Transferable cash balances accompanying an ACATS (subject to how you specify the transfer).

What typically cannot be transferred via ACATS from Cash App:

• Fractional shares: These are commonly not transferable in-kind. Fractional positions purchased through Cash App usually remain in Cash App and must be sold there if you want the cash moved.
• Crypto holdings: Bitcoin or other crypto bought through Cash App cannot be transferred to a traditional brokerage such as Fidelity. Crypto custody and broker support differ; Fidelity may offer some crypto products but does not accept direct transfers of retail crypto from Cash App wallets.
• Certain restricted securities, very low-priced penny stocks, unregistered securities, and some mutual funds or proprietary products may be ineligible.

Because Cash App investing services can use fractionalization and proprietary execution methods, expect some positions to require sale before moving or to remain behind after an ACATS.

Fees and who pays them

If you search "can you transfer stocks from Cash App to Fidelity" you also need to consider fees.

• Cash App historically charges an outbound ACATS fee for full-account transfers. As of 2026-01-21, Cash App/DriveWealth documents indicate an outbound ACATS fee may apply (commonly $75), and it is typically billed to the receiving broker at settlement. Confirm the current fee on Cash App support before initiating.
• Many receiving brokers, including Fidelity, often run promotions or policies to reimburse incoming ACATS fees up to a stated amount. Policies change, so verify with Fidelity whether they will reimburse the ACATS fee for an inbound transfer and the required timeframe or form to request reimbursement.
• If Fidelity agrees to reimburse, the fee effectively becomes $0 out-of-pocket after reimbursement, but the receiving broker usually needs evidence of the charge or the transfer confirmation.

Practical note: When you initiate an ACATS through Fidelity, Fidelity will typically document the expected fee and may show it in your transfer tracker. Ask Fidelity customer service how to request reimbursement if they offer ACATS fee credit.

Timeline for transfers

The timeline matters when you ask "can you transfer stocks from Cash App to Fidelity" because timing affects access to positions and the ability to trade.

• Typical ACATS transfers are electronic and take about 3–6 business days from initiation to completion. Cash App support commonly states a 3–6 business day window; Fidelity often cites 3–5 business days for standard ACATS inbound transfers.
• Delays are possible. Reasons for longer processing include mismatched account registration details, required signatures or forms, verification holds, pending or unsettled trades, or ineligible securities that require manual handling.
• During the transfer window, the receiving broker (Fidelity) will often show a transfer-in-progress status. Once the positions post, you will receive confirmations from Fidelity.

As of 2026-01-21, both firms publish similar timelines but stress that exceptional cases may take longer if manual review is needed.

Preparing to transfer — information and prerequisites

Before you initiate a transfer, prepare the required information so the question "can you transfer stocks from Cash App to Fidelity" proceeds smoothly.

Required items and checks:

• Fidelity receiving account: Open and verified Fidelity account with the same registration (name, SSN/Tax ID) as your Cash App Investing account.
• Account number: For Cash App, identify the brokerage account number. Cash App uses a 17-digit account identifier format in many communications; have this number ready. Fidelity will ask for the current firm name (e.g., Cash App Investing LLC or the carrying broker name) and the account number.
• Matching personal info: Ensure your full legal name, birthdate, address, and Social Security Number match exactly between both accounts. Mismatches are one of the most common causes of transfer delays or rejections.
• Trade/settlement status: Sell or cancel any open orders and allow unsettled trades to settle before initiating an ACATS. Unsettled funds or positions can block an in-kind transfer.
• Decide partial vs. full: Determine whether to request a full ACATS (moves all eligible assets and may close investing functionality at the sending broker) or a partial ACATS (moves only selected holdings). A full ACATS can sometimes lead the sending broker to close the investing account.
• Documentation: Download a recent Cash App statement or recent trade confirmation if Fidelity requests proof of holdings or cost basis.

Practical checklist:

1. Confirm both accounts have identical registration details.
2. Locate Cash App account number / brokerage ID.
3. Decide full vs. partial ACATS and which positions to move.
4. Verify if cash, dividends, or pending deposits are clear to transfer.
5. Ask Fidelity if they will reimburse the ACATS fee and what proof is required.

How to initiate the transfer (step-by-step)

When you are ready to act on "can you transfer stocks from Cash App to Fidelity," follow these high-level steps. Fidelity generally initiates inbound transfers, so most of the initiation work occurs in your Fidelity account.

1. Log in to Fidelity and locate "Transfer of Assets" or "Transfer to Fidelity" in the account menu.
2. Choose to transfer assets from another brokerage (the ACATS/TOA option).
3. Select or enter the current firm name. Use the exact name as Cash App Investing lists it (for example, "Cash App Investing LLC" or the carrying broker name in your Cash App account profile). If Fidelity has an autocomplete list, choose the closest match.
4. Enter the Cash App account number in the requested format. If Cash App uses a 17-digit number, enter it exactly. If you are unsure, check a Cash App statement or the account section in the app for the broker account number.
5. Specify transfer type: full vs. partial. For partial transfers, indicate which holdings to move. For full transfers, authorize moving all eligible assets and any transferable cash.
6. Provide any requested documentation or electronic signatures. Fidelity may ask for a recent statement from Cash App for verification.
7. Submit the transfer request and note any confirmation number. Fidelity will then communicate with Cash App/DriveWealth to complete the ACATS.

What to expect after submission:

• Fidelity’s transfer tracker will show the request as "pending" and then "in progress." You can often see which holdings are accepted or rejected during processing.
• If Cash App requires additional verification or rejects the transfer, Fidelity should notify you and provide reasons.

Practical tips during initiation

To reduce friction when dealing with "can you transfer stocks from Cash App to Fidelity":

• Exact name matching: Use your legal name in both accounts without nicknames. Mismatched formatting (e.g., missing middle initial) can cause delays.
• Address and SSN: Confirm addresses and SSN match. If you recently updated your address, allow time for verification in both systems before initiating the transfer.
• Statement on hand: Have the most recent Cash App statement or trade confirmations available as a PDF or screenshot in case Fidelity requests proof.
• Choose partial transfer carefully: If you move only whole shares, check which fractional pieces will remain and how they will be handled by Cash App.
• Expect the receiving broker to pay the $75 outbound fee upfront: Fidelity may be charged the fee and later reimburse you if they offer an ACATS reimbursement.

Common reasons transfers fail or are delayed

Even when the basic answer to "can you transfer stocks from Cash App to Fidelity" is yes, transfers sometimes fail. Common causes include:

• Unsettled trades or open orders in Cash App. The sending broker may block assets that are not fully settled.
• Mismatched account holder information (name, SSN, address).
• Incorrect account number format or using the wrong broker name. Cash App account numbers often use a specific format that must be entered exactly.
• Attempting to transfer ineligible securities (fractional shares, crypto, restricted shares).
• Transfer request submitted by someone other than the account owner without required power-of-attorney documentation.
• Concurrent transfer requests or prior pending ACATS requests creating a conflict.

If a transfer is rejected, read the rejection reason carefully and correct the issue. Contact Fidelity for the next steps; Fidelity will typically advise you on documentation needed to resolve mismatches.

What happens to fractional shares and remaining Cash App balance

A frequent element of "can you transfer stocks from Cash App to Fidelity" involves fractional shares.

• Fractional shares purchased on Cash App commonly cannot be transferred via ACATS. After a partial or full ACATS of whole shares, fractional shares often remain in the Cash App account.
• You can sell fractional shares inside Cash App and transfer the cash (subject to settlement) to Fidelity, or you can keep them in Cash App for future use.
• If you perform a full ACATS that transfers all eligible whole shares, Cash App may leave you with only fractional shares and cash. In some cases, a full ACATS can close investing functionality in the sending account.

Plan accordingly: if you hold many fractional positions and want everything consolidated in Fidelity, selling fractional shares and transferring cash may be the simplest path.

After the transfer — account effects and verification

Once the answer to "can you transfer stocks from Cash App to Fidelity" becomes a completed transfer, confirm the results:

• Confirm holdings: Verify all expected positions and quantities appear in your Fidelity account. Compare positions and share counts to Cash App records before the transfer.
• Cost basis: Fidelity will attempt to carry over cost basis information for transferred positions, but sometimes cost basis data is incomplete. Keep your Cash App trade confirmations for tax reporting and verify Fidelity’s cost-basis entries.
• Confirm fee posting: Check whether any ACATS fee was charged and whether Fidelity reimbursed it if applicable.
• Trading ability: Once holdings post to Fidelity and are settled, you may trade them in Fidelity. Settlement times for recently transferred securities follow normal rules at Fidelity.

Record any discrepancies and contact Fidelity support promptly if holdings or cost basis do not match your expectations.

Alternatives to an in-kind transfer

If you wonder whether "can you transfer stocks from Cash App to Fidelity" is the best route, alternatives exist.

1. Sell in Cash App, transfer cash to Fidelity, and repurchase:

   • Pros: Works around fractional-share transfer limitations and ineligible securities; simplifies posting as cash.
   • Cons: Selling may trigger taxable events and you risk market movement between sale and repurchase.

2. Recreate positions manually in Fidelity:

   • Pros: Clean start at Fidelity; no transfer fees.
   • Cons: You lose original cost basis for transferred lots (for tax reporting), unless you report appropriately; potential tax consequences.

3. Use a hybrid approach:

   • Transfer whole shares in-kind and sell or move fractional shares as cash.

4. Consider custodial or wallet alternatives for other assets:

   • If your motivation is broader custody or Web3 access, consider Bitget and the Bitget Wallet for non-traditional custody needs or crypto management. Bitget provides features for traders and builders in the digital asset space; it is not a substitute for traditional brokerage ACATS transfers for equities.

Each path has tradeoffs in fees, taxes, and operational steps. The ACATS in-kind transfer preserves lot history for many positions, which helps tax basis continuity.

FAQs

Q: Can you transfer stocks from Cash App to Fidelity if you have fractional shares? A: You can transfer whole shares in-kind but fractional shares typically cannot be transferred via ACATS. Fractional shares commonly remain in Cash App and must be sold there to move cash to Fidelity.

Q: Can you transfer Bitcoin from Cash App to Fidelity? A: No. Crypto purchased in Cash App cannot be ACATS-transferred to Fidelity. If you need crypto custody, consider dedicated crypto custody solutions or Bitget Wallet for Web3 use, remembering to follow custody and regulatory guidance.

Q: Will Fidelity reimburse Cash App's transfer fee? A: Often receiving brokers, including Fidelity, offer to reimburse incoming ACATS fees under certain conditions or promotions. As of 2026-01-21, Fidelity has historically offered ACATS fee reimbursement promotions; confirm current policy and the process to request reimbursement before initiating the transfer.

Q: Can I transfer only some holdings from Cash App to Fidelity? A: Yes. Partial ACATS requests are supported. You can request to transfer selected whole-share positions while leaving fractional shares or other positions behind. Confirm eligibility of specific holdings.

Q: How long does it take before I can trade transferred shares at Fidelity? A: Once the transferred positions post to your Fidelity account and settle, you can trade them according to Fidelity’s settlement rules. Posting typically occurs within 3–6 business days, but settlement timing may vary by security.

Q: Does an in-kind transfer create a taxable event? A: In-kind transfers generally do not trigger a taxable event. Selling securities before transfer does create a taxable event (realizing gain or loss). Keep records of original purchase dates and cost basis for tax reporting.

Troubleshooting and who to contact

If your transfer encounters problems when answering "can you transfer stocks from Cash App to Fidelity", follow this escalation path:

1. Check the transfer tracker in Fidelity for the current status and any rejection notes.
2. Confirm that personal information and account numbers were entered correctly.
3. If a specific holding is rejected, review whether it is fractional, restricted, or otherwise ineligible.
4. Contact Fidelity customer support (the receiving broker) to obtain details on next steps and document requests.
5. If Fidelity indicates they have contacted Cash App or DriveWealth and further documentation is needed, contact Cash App support and provide the requested statements.

Have the following ready when you contact support:

• Fidelity transfer confirmation number and copy of the transfer request.
• Recent Cash App brokerage statement showing account number and holdings.
• Proof of identity and any forms requested by either firm.

Legal, tax, and recordkeeping considerations

• Transfers in-kind do not generally create taxable events, but selling holdings before transfer does. Maintain trade confirmations and statements from Cash App and Fidelity for tax and cost-basis records.
• If cost-basis or lot history is missing after a transfer, locate your Cash App trade confirmations and provide them to Fidelity to correct records.
• For significant account moves, consulting a tax professional is prudent. This article is informational and not tax or investment advice.

References and further reading

• As of 2026-01-21, according to Cash App Support pages, Cash App supports outbound ACATS/Transfer of Assets requests and documents fee and timeline expectations. (Source: Cash App Support, brokerage transfer documentation.)
• As of 2026-01-21, Fidelity’s help pages outline how to "Transfer Your Assets" to Fidelity, with typical timelines and steps for initiating an ACATS. (Source: Fidelity Help Center.)
• Practical step guides and user experiences summarizing "how to transfer stocks from Cash App to Fidelity" are widely available in community guides and help articles; these are useful for troubleshooting real-world cases.

Sources consulted for this guide include official Cash App support documentation, Fidelity transfer instructions, and community how-to summaries and videos to reflect common user experiences. For the latest policy and fee information, always consult the official support pages of the firms involved.

Further actions and Bitget note

If you are consolidating assets and exploring custody or crypto options beyond what Cash App and Fidelity provide, consider Bitget services and the Bitget Wallet for Web3 needs and digital-asset custody. Bitget offers tools for traders and builders in the digital-asset space; consult Bitget documentation for product specifics and compliance details.

Need help initiating a transfer? Contact Fidelity to start an inbound ACATS and have your Cash App account number and recent statement ready. If you experience issues, reach out to Cash App support for clarifications on account identifiers and ineligible positions.

Explore more resources to plan your move and keep records of confirmations, fees, and lot history so your tax reporting remains accurate.

Quick checklist: before you initiate

• [ ] Confirm both accounts use identical registration info (name, SSN, address).
• [ ] Locate your Cash App brokerage account number (enter exactly).
• [ ] Decide full vs. partial transfer and identify positions to move.
• [ ] Review which holdings are fractional or ineligible.
• [ ] Ask Fidelity about ACATS fee reimbursement and required proof.
• [ ] Have recent Cash App statements or trade confirmations ready.

Short FAQ recap (one-line answers)

• Can you transfer stocks from Cash App to Fidelity? Yes, eligible whole shares can usually be transferred in-kind via ACATS.
• Can fractional shares be moved? Generally no; sell them in Cash App to move cash.
• Can you transfer crypto to Fidelity from Cash App? No; retail crypto on Cash App cannot be ACATS-transferred to Fidelity.
• How long will it take? Typically 3–6 business days for standard ACATS transfers.
• Who pays the ACATS fee? The sending broker charges the fee to the receiving broker; Fidelity may reimburse under policy.

Reporting note (timeliness)

As of 2026-01-21, the information in this guide is aligned with official support and help pages from Cash App and Fidelity and reflects common user experiences summarized in community guides and tutorials. For firm-specific rules, always check the current official documentation or contact support directly.

Closing guidance

If your primary question is "can you transfer stocks from Cash App to Fidelity" — the practical upshot is that yes, you can move many whole-share equities via ACATS, but fractional shares and crypto generally do not move. Prepare your account information, confirm fee and reimbursement policies, and decide whether to move whole shares in-kind or sell and transfer cash. Keep statements for tax and cost-basis records.

If you want an alternative custody or wallet for digital assets while you manage brokerage moves, explore Bitget and Bitget Wallet for Web3 or crypto custody needs, remembering that moving traditional equities requires ACATS and the receiving broker’s support.

Ready to start? Log into your Fidelity account, navigate to Transfer of Assets, and have your Cash App account number and recent statement handy. If you need further help, contact Fidelity support to initiate and track the ACATS process.

References (selected):

• As of 2026-01-21, Cash App Support documentation on transferring stock via ACATS/Transfer of Assets.
• As of 2026-01-21, Fidelity Help Center pages on "Transfer Your Assets" and account deposit/transfer timelines.
• Community how-to summaries and user experience articles describing Cash App to Fidelity transfers and common troubleshooting.

Note: This article is informational, not investment or tax advice. For specific legal, tax, or account guidance, contact the firms directly or consult a qualified advisor.