Fidelity Go vs H&R Block — In-Depth Comparison

Fidelity Go

Fidelity's Zero-Fee Robo-Advisor

Best For Beginners and passive investors wanting a truly zero-cost robo-advisor

Core Fee $0 advisory fee for balances under $25,000; 0.35%/year for $

Settlement Automated daily monitoring and rebalancing; ACH deposits 1–3

Visit Fidelity Go ↗

H&R Block

Tax Preparation & Financial Services

Best For Tax filers wanting professional-assisted or DIY tax preparation with i

Core Fee DIY: $0-$85+ federal; Assisted: $89-$300+; varies by complex

Settlement Fast online filing; in-person appointments available; mobile

Visit H&R Block ↗

Full 20-Point Audit Matrix

Verified current data across all key decision criteria

20 Criteria Compared

Audit Criterion	Fidelity Go	H&R Block
WealthBlueprint RatingOverall score vs. all reviewed platforms (out of 5 stars)	★ ★ ★ ★ ★ 5/5 Fidelity Go: rated on fees, features, safety & ease of use	★ ★ ★ ★ ★ 3/5 H&R Block: rated on fees, features, safety & ease of use
Cost Structure & Fees
Transaction FeesPer-transfer costs, domestic & international	$0 advisory fee for balances under $25,000; 0.35%/year for $25,000+; no fund expense ratios (invests in Fidelity Flex funds with 0% expense ratio)	DIY: $0-$85+ federal; Assisted: $89-$300+; varies by complexity and service level
FX / Conversion SpreadMarkup above mid-market exchange rate	Fidelity Go charges a conversion fee based on the currency pair and transfer amount. Always verify the all-in rate before sending. Always check the live rate in the app	H&R Block charges a conversion fee based on the currency pair and transfer amount. Always verify the all-in rate before sending. Always check the live rate in the app
Account MaintenanceMonthly or annual account-keeping charges	Fidelity Go applies account maintenance charges as described in its fee schedule. Pricing may vary by region. Fees subject to change — verify before signing up	Custom/tiered pricing — H&R Block's fee structure depends on your account tier or usage volume. Fees subject to change — verify before signing up
Card Issuance FeesVirtual and physical card creation costs	Fidelity Go does not primarily offer physical cards — access is digital-first. Check Fidelity Go app for current card fees	H&R Block does not primarily offer physical cards — access is digital-first. Check H&R Block app for current card fees
Settlement Speed & Reliability
Domestic SettlementLocal bank transfer completion time	Fidelity Go Automated daily monitoring and rebalancing; ACH deposits 1–3 VS H&R Block Fast online filing; in-person appointments available; mobile Both platforms offer comparable settlement speeds.
Cross-Border SpeedInternational corridor settlement time	Fidelity Go supports cross-border transfers via its payment rails. Actual delivery depends on the receiving bank and any compliance holds. Check the app for live estimates	H&R Block supports cross-border transfers via its payment rails. Actual delivery depends on the receiving bank and any compliance holds. Check the app for live estimates
Uptime / ReliabilityReported annual platform availability rate	Fidelity Go publishes service status updates on its official status page for transparency. Check Fidelity Go status page for incident history	H&R Block publishes service status updates on its official status page for transparency. Check H&R Block status page for incident history
Security & Regulatory Standing
Regulatory LicensesGoverning bodies and jurisdictions	FINRA/SIPC member (up to $500,000); Fidelity Investments backing with $12T+ AUM; SEC-registered; fiduciary standard; 256-bit encryption ✓ Licensed	100% accuracy guarantee; maximum refund guarantee; over 60 years in business; IRS-approved e-file provider ✓ Licensed
Deposit InsuranceGovernment-backed protection scheme	Fidelity Go holds funds with regulated partner banks. Deposit insurance coverage may apply. Verify current coverage directly with Fidelity Go	H&R Block holds funds with regulated partner banks. Deposit insurance coverage may apply. Verify current coverage directly with H&R Block
2FA & AuthenticationMulti-factor security implementation	Fidelity Go supports 2FA via authenticator app or SMS. Check security settings for available methods. Enable 2FA immediately after opening your account	H&R Block supports 2FA via authenticator app or SMS. Check security settings for available methods. Enable 2FA immediately after opening your account
Fraud DetectionAI/ML-powered transaction monitoring	Fidelity Go employs automated transaction monitoring. Suspicious activity triggers alerts and temporary holds. ✓ Real-time monitoring	H&R Block employs automated transaction monitoring. Suspicious activity triggers alerts and temporary holds. ✓ Real-time monitoring
Features, Limits & Access
Ideal Use CasePrimary audience and core value proposition	Fidelity Go Beginners and passive investors wanting a truly zero-cost robo-advisor backed by Fidelity's institutional strength, automatic rebalancing, and coaching calls H&R Block Tax filers wanting professional-assisted or DIY tax preparation with in-person office and virtual options
Platform ClassificationRegulatory and product category	Fidelity's Zero-Fee Robo-Advisor	Tax Preparation & Financial Services
Withdrawal LimitsDaily / weekly transfer and cash-out caps	Fidelity Go withdrawal limits vary by account type and KYC level. Log in to see your current limits	H&R Block withdrawal limits vary by account type and KYC level. Log in to see your current limits
Supported CurrenciesFiat and digital asset coverage	Fidelity Go supports the currencies and assets listed in its official documentation. Check Fidelity Go official site for full currency list	H&R Block supports the currencies and assets listed in its official documentation. Check H&R Block official site for full currency list
User Experience & Support
App Store RatingAggregate iOS + Android user satisfaction	Fidelity Go app ratings reflect recent user sentiment — check the App Store/Google Play for current scores. Verify live ratings on the App Store	H&R Block app ratings reflect recent user sentiment — check the App Store/Google Play for current scores. Verify live ratings on the App Store
Customer SupportAvailable resolution pathways and SLA	Fidelity Go offers support through its help centre and official contact channels. Check Fidelity Go help centre for current support options	H&R Block offers support through its help centre and official contact channels. Check H&R Block help centre for current support options
KYC Verification SpeedAccount activation timeline post-submission	Fidelity Go KYC timelines depend on document quality and account type. Verify current wait times in the Fidelity Go app	H&R Block KYC timelines depend on document quality and account type. Verify current wait times in the H&R Block app
Overall VerdictWealthBlueprint independent recommendation	Fidelity Go WINS with 5/5 stars vs 3/5. Why: Fidelity Go excels at Beginners and passive investors wanting a truly zero-cost robo-advisor backed by Fidelity's institutional strength, automatic rebalancing, and coaching calls. ✓ Choose Fidelity Go if Beginners and passive investors wanting ➜ H&R Block is still solid for Tax filers wanting professional-assisted
Official WebsiteVisit platform to sign up or verify current fees	Visit Fidelity Go ↗	Visit H&R Block ↗

WealthBlueprint Verdict Summary

Fidelity Go — Best For

Beginners and passive investors wanting a truly zero-cost robo-advisor backed by Fidelity's institutional strength, automatic rebalancing, and coaching calls

✓ Strong in its core category

H&R Block — Best For

Tax filers wanting professional-assisted or DIY tax preparation with in-person office and virtual options

✓ Strong in its core category

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