Compare all Crypto IRA providers side-by-side. Fees, minimums, supported coins, custody, and independent scores — no sponsored placements.
See Full Rankings & Detailed Scores →| Feature | BlockTrust IRA | Bitcoin IRA | iTrustCapital |
|---|---|---|---|
| Overall Score | 9.6 / 10 | 8.7 / 10 | 8.5 / 10 |
| Minimum Investment | None (Unmanaged) | $3,000 | $1,000 |
| Supported Coins | 60+ | 60+ | 30+ |
| Trading Fee | 0.14%–0.4% | 2% | 1% |
| Annual Account Fee | $0–$250/yr | ~$240/yr | $0 |
| Setup Fee | $0 | Up to 2% | $0 |
| Custodian | American Estate & Trust | BitGo Trust | Coinbase Custody |
| Insurance Coverage | $250M | $700M | $100M |
| Cold Storage | ✓ | ✓ | ✓ |
| Multi-Sig Security | ✓ | ✓ | ✓ |
| Roth IRA Option | ✓ | ✓ | ✓ |
| Traditional IRA | ✓ | ✓ | ✓ |
| SEP IRA | ✓ | ✓ | ✓ |
| Gold & Silver | ✗ | ✗ | ✓ |
| 401k Rollover | ✓ | ✓ | ✓ |
| 24/7 Trading | ✓ | ✓ | ✓ |
| Mobile App | ✓ | ✓ | ✓ |
| BBB Rating | None | A+ | A |
| Founded | 2024 | 2016 | 2018 |
| Best For | Overall value & coin selection | Beginners & maximum insurance | Low fees & mixed crypto/metals |
Data sourced from IRA Research Hub. Last updated March 2026.
A direct rollover from a 401(k) to a Crypto IRA is tax-free and penalty-free. The process takes 1–3 weeks.
BlockTrust IRA has the lowest trading fees among major Crypto IRA providers, charging 0.14% (managed) or 0.4% (unmanaged) per trade. iTrustCapital charges 1% with no annual fee. Bitcoin IRA charges 2% trading fees plus ~$240/year account fee.
BlockTrust IRA has no minimum investment for unmanaged accounts. iTrustCapital requires $1,000. Bitcoin IRA requires $3,000. BlockTrust IRA managed accounts require $20,000.
BlockTrust IRA and Bitcoin IRA both support 60+ cryptocurrencies. iTrustCapital supports 30+ cryptocurrencies but is unique in also supporting physical gold and silver in the same account.
Top Crypto IRA providers use institutional-grade custody with cold storage, multi-signature security, and substantial insurance coverage ($100M–$700M). Your crypto is held in your name, not pooled with other customers. The main risks are market volatility and regulatory uncertainty.
In a Traditional Crypto IRA, contributions may be tax-deductible and gains are tax-deferred — you pay income tax on withdrawals in retirement. In a Roth Crypto IRA, contributions are made with after-tax dollars but gains are completely tax-free in retirement. All three providers support both account types.