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Transfer Shares as a Gift — Nonretirement, page 1
Basic · 36/100Form Complexity Index

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What this form asks for

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This form, officially titled "Transfer Shares as a Gift — Nonretirement," is a document provided by Fidelity Investments for account holders who wish to gift securities such as stocks, bonds, or mutual funds to an individual or entity with an account at a different, ACAT-eligible financial firm. It is crucial for authorizing Fidelity to move the specified assets from your nonretirement account and ensuring the transfer is processed correctly. Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
Fillable fields37
Pages2
Form Complexity IndexBasic, 36/100

The AI checks your answers before you download

12 checks built for this form, so a wrong date or a missing answer is caught before anyone else sees it.

Fidelity Account Number Validation

This check verifies that the 'Fidelity Account Number' field is not empty and conforms to the standard format for a nonretirement brokerage account. It is crucial for identifying the correct source account for the transfer. If the number is missing or invalid, the system cannot locate the user's holdings, and the transfer request will be rejected immediately.

Account Ownership Verification

This validation cross-references the 'Owner Name(s)' provided in Section 1 with the account holder information on file for the given 'Fidelity Account Number'. This is a critical security measure to prevent unauthorized transfers and ensure the person initiating the gift is the legitimate account owner. A mismatch will halt the process and may trigger a security alert.

Receiving Firm DTC Number Format

This check ensures the 'Receiving Firm’s DTC Number' is a valid 4-digit number. The Depository Trust Company (DTC) number is essential for electronically routing the securities to the correct financial institution. An incorrect or improperly formatted DTC number will cause the transfer to fail, leading to delays and potential rejection of the entire transaction.

Investment Identifier Requirement

For each investment being gifted, this validation ensures that the 'CUSIP or Symbol' field is populated. This unique identifier is mandatory for accurately identifying the specific security to be transferred from the account. Without a valid CUSIP or symbol, Fidelity cannot execute the transfer, and the form will be considered incomplete.

Exclusive Share Quantity Selection

This check verifies that for each investment row, either the 'Number of Shares' field is filled or the 'ALL' checkbox is selected, but not both. Providing both creates ambiguity in the transfer instruction. This validation prevents processing errors by ensuring the user's intent to transfer a specific quantity or the entire position is clear.

Whole Share Transfer Rule for Stocks

Based on the form's instructions, this validation checks if the security being transferred is a stock and, if so, ensures the 'Number of Shares' is a whole number. The form explicitly states that stocks must be transferred as whole shares. Attempting to transfer a fractional share of a stock will result in a validation error, requiring the user to correct the quantity before submission.

And 6 more checks
  • Lot Acquisition Date Validity
  • Lot Acquisition Cost Format
  • Signature and Date Completeness
  • Non-Retirement Account Verification
  • Receiving Firm Information Completeness
  • Logical Link Between Lot Date and Cost

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How to Fill Out Fidelity Transfer Shares as a Gift Online for Free in 2026

What the AI walks you through.

  1. Navigate to Instafill.ai and upload or select the Fidelity 'Transfer Shares as a Gift — Nonretirement' form.
  2. Provide your Fidelity account information in Section 1, including the account number and the full name(s) on the account.
  3. Complete the Gifting Instructions in Section 2 with details about the receiving firm, their DTC number, and the recipient's account number.
  4. List each security you are gifting, specifying the investment name, CUSIP or symbol, and the number of shares. You can also provide specific lot information if desired.
  5. Review all the information auto-filled by the AI to ensure accuracy and completeness across all sections.
  6. Electronically or manually sign and date the form in Section 3. Be aware that a Medallion signature guarantee may be required for transfers over a certain value.
  7. Download the completed form and submit the entire document to Fidelity via the mail or overnight delivery addresses provided on the form.

Common Mistakes in Completing Fidelity Transfer Shares as a Gift

The ones the AI is built to catch.

Using the Form for Ineligible Transfers
The form is exclusively for gifting nonretirement assets to an external (non-Fidelity) account. People often overlook this and try to use it for retirement accounts (like IRAs) or for transfers between two Fidelity accounts, which require different forms. This mistake leads to immediate rejection, causing significant delays. To avoid this, carefully read the form's title and purpose; AI-powered tools like Instafill.ai can also help identify the correct form for your specific transaction.
Omitting or Mismatching the Receiving Firm's DTC Number
The Depository Trust Company (DTC) number is a unique identifier for the receiving firm that is critical for the transfer. Senders often don't know this number or enter it incorrectly, causing the transfer to fail. An incorrect or missing DTC number will cause the transfer to be rejected by the clearinghouse. You must contact the receiving firm to obtain their correct DTC number before filling out the form.
Attempting to Transfer Fractional Stock Shares
The form's instructions clearly state that stocks must be transferred as whole shares, while only mutual funds can be transferred as partial shares. Filers may overlook this and request a fractional amount of a stock (e.g., 10.5 shares), which is not permissible. This will result in the rejection of that instruction or the entire form. An intelligent form filler like Instafill.ai can enforce such rules automatically, preventing you from entering invalid data.
Forgetting the Medallion Signature Guarantee
For gifts valued over $17,000, a Medallion signature guarantee is mandatory, and it is often confused with a more common notary stamp. A notary only verifies identity, while a Medallion guarantee insures the transaction against fraud. Submitting a form without the required guarantee, or with a notary stamp instead, will lead to its immediate rejection. You must visit a financial institution like a bank or credit union to obtain this specific guarantee.
Providing Ambiguous Share Transfer Instructions
The form provides a field to enter a specific number of shares and a checkbox for 'ALL' shares. A common error is to fill in both, creating a conflicting instruction. This forces the processor to either reject the form or contact the sender for clarification, delaying the transfer. You must choose one or the other: either specify the exact number of shares or check the 'ALL' box, but never both for the same investment.
Omitting the Required CUSIP or Ticker Symbol
The form marks the 'CUSIP or Symbol' field as 'Required' for each investment. People sometimes leave this blank, assuming the investment name is sufficient. However, the CUSIP/Symbol is the precise identifier used to execute the transfer, and its absence makes the instruction impossible to process. Using a tool like Instafill.ai can help by auto-populating the CUSIP/Symbol when you enter the investment name, ensuring accuracy.
Providing an Incorrect Number of Signatures
The signature requirements vary based on the account type; a standard brokerage account requires one signature, but a Mutual Fund Account requires signatures from all account owners. Filers often miss this detail and provide only one signature for a jointly-owned mutual fund account. This oversight will cause the form to be rejected for being improperly authorized, so you must carefully review your account type to ensure all required owners sign.
Ignoring Specific Share Lot Selection for Tax Purposes
The form allows you to specify which lots of a security to gift by entering the acquisition date and cost, which has significant tax implications. Many people leave this blank, causing Fidelity to use a default disposal method (e.g., FIFO) that may not be the most tax-efficient strategy. Failing to specify lots can result in a higher-than-necessary capital gains tax liability for the recipient, so it's wise to consult a tax advisor and fill this section carefully.
Entering Inaccurate Recipient Details
The 'For the Benefit of' name and the receiving firm's account number must exactly match the registration on the destination account. People may use a nickname for the recipient or make a typo in the long account number. Any mismatch will cause the receiving firm to reject the transfer, forcing the process to start over. AI form fillers like Instafill.ai can help by saving and reusing verified recipient profiles, minimizing the risk of typos.
Submitting an Illegible Handwritten Form
Although the form is a PDF, many people print and fill it out by hand, often with illegible writing or using the wrong color ink. The instructions specify using CAPITAL letters and black ink, and failing to do so can cause processing errors or rejection. Since this form may be a non-fillable PDF, tools like Instafill.ai can convert it into an interactive, fillable version, allowing you to type all entries for perfect clarity.

Frequently Asked Questions About Fidelity Transfer Shares as a Gift

 

Is it really free for 7 days?
Yes. You pay $0 today. Cancel before Nov 5 and you are never charged. Keep it, and it is $19.99 a month for 5 fills of your Fidelity Transfer Shares as a Gift.
Can I fill other forms too?
This plan is for your Fidelity Transfer Shares as a Gift: your own AI agent fills it as often as 5 times a month. To fill other forms and upload your own, choose a Professional plan from your account.
How do I cancel?
From your account, in two clicks, any time. No email, no call.
How does the AI fill out Fidelity Transfer Shares as a Gift?
You answer a few questions in plain words, or upload a document you already have. The AI reads what you give it and puts each answer into the right field of Fidelity Transfer Shares as a Gift, on every page, in seconds. It checks the answers against the form's own rules, and you review and change anything before you download, print or sign.
What happens to my information?
It is encrypted in transit and at rest, and it is never used to train AI.
How complex is Fidelity Transfer Shares as a Gift to fill out?
Fidelity Transfer Shares as a Gift has a Form Complexity Index of 36 out of 100, in the basic tier: 37 fillable fields across 2 pages. Instafill.ai's AI fills it in under a minute, with every field there for you to review before you download.
What is the purpose of the 'Transfer Shares as a Gift — Nonretirement' form?
This form is used to gift securities, such as stocks, bonds, or mutual funds, from your nonretirement Fidelity account to an individual or entity's account at a different financial firm.
Can I use this form for my IRA or other retirement accounts?
No, this form is strictly for nonretirement brokerage accounts. You cannot use it to transfer assets from an IRA, 401(k), or any other type of retirement account.
Can I use this form to gift shares to someone who also has a Fidelity account?
No, this form is specifically for transferring assets to a non-Fidelity account. For gifting between two Fidelity accounts, you will need to use a different process; please contact Fidelity for instructions.
What information do I need about the person receiving the gift?
You need the receiving firm's name, DTC number, and address, as well as the recipient's account number and the full name on their account.
Where can I find the CUSIP or Symbol for my investments?
The CUSIP or Ticker Symbol for each security is required and can be found on your Fidelity account statements or by viewing your positions online at Fidelity.com.
What happens if I don't specify which shares to transfer by lot acquisition date?
If you do not specify the lot acquisition date and cost, Fidelity will use your account's default lot disposal method (such as FIFO - First-In, First-Out) to select the shares for the transfer.
Can I transfer a fraction of a share of stock?
No, stocks must be transferred in whole shares. However, you are permitted to transfer partial or fractional shares of mutual funds.
When is a Medallion signature guarantee required?
A Medallion signature guarantee is required if the total value of the securities being gifted is over $17,000. This is a special signature verification that you can obtain from most banks or credit unions.
How long does this transfer process take?
To allow for adequate processing time, Fidelity recommends that they receive the completed form at least two weeks prior to any deadline you may have, such as the end of the calendar year.
How do I submit the completed form?
You must mail the entire signed form to Fidelity. The form provides two addresses: one for regular mail to Cincinnati, OH, and another for overnight mail to Covington, KY.
Who needs to sign the form in Section 3?
Typically, only one authorized signature is required. However, if the assets are held in a Mutual Fund Account (where the account number begins with a '2' followed by two letters), all account owners must sign.
Can AI tools help me fill out this form?
Yes, services like Instafill.ai use AI to accurately auto-fill form fields with your information, which can save time and help prevent common errors.
How can I fill out this form online instead of by hand?
You can use a service like Instafill.ai to complete the form digitally. Simply upload the PDF, and the tool will enable you to type your information directly into the fields before printing for signature.
What should I do if my PDF copy of the form is not fillable?
If you have a non-fillable or 'flat' PDF, you can use a platform like Instafill.ai. It can convert the document into an interactive, fillable form, allowing you to easily complete it on your computer.
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