How we make this list: we compare pricing pages, product documentation and public user reviews. Ratings come from G2, Capterra or Trustpilot, with the date we checked them.
Key takeaways
- This is not financial advice. Crypto prices are volatile, and a Bitcoin IRA should only be part of a retirement plan you understand.
- iTrustCapital and Fidelity offer the clearest low-fee starting points, at 1% transaction or spread fees in public comparisons.
- BitcoinIRA suits investors who want many coins plus precious metals in one account, at a higher 2% trading fee.
- Swan Bitcoin and Unchained suit Bitcoin-only investors who value simplicity or collaborative custody.
- Minimums range from $0 to $5,000, so check the minimum, monthly fees, and custody model before opening an account.
Quick comparison
| Tool | Best for | Starting price | Free plan |
|---|
 iTrustCapital | Low-fee crypto and metals IRA | 1% transaction fee | Free trial |
 BitcoinIRA | Many coins plus metals | 2% trading fee | Free trial |
 Fidelity Crypto IRA | Large-brand crypto IRA | 1% spread trading fee | Free trial |
 Swan Bitcoin IRA | Bitcoin-only simplicity | 1% on buys and sells | Free trial |
 BitIRA | Guided rollover support | See website | Free trial |
 Coin IRA | Crypto plus fractional metals | 1.25% transaction fee on buys | Free trial |
 Unchained IRA | Collaborative custody for Bitcoin | 1.5% conversion fee | Free trial |
 BlockTrust IRA | Transparent fee structure | See website | Free trial |
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
The best Bitcoin IRA companies
Starting price1% transaction fee
Free planFree trial
iTrustCapital is a frequent top pick in 2026 comparisons because its fee structure is easy to understand. A 1% transaction fee, no monthly fee in public comparisons, and a $1,000 minimum give investors a clear starting point. The platform covers 90 plus cryptocurrencies plus physical gold and silver, and trading runs around the clock, which suits investors who want diversification beyond Bitcoin alone.
The limits are practical rather than hidden. The $1,000 minimum excludes very small starters, and the service is geared to US customers, so international investors should check eligibility first. Staking and traditional asset options vary by account and over time, so confirm the current asset list before funding. For a low-fee, diversified crypto IRA, iTrustCapital is a strong first comparison.
What we like- 1% transaction fee
- No monthly fee in public comparisons
- 90 plus coins plus gold and silver
Watch out for- $1,000 minimum
- US customers only in practice
- Limited staking scope in comparisons
Starting price2% trading fee
Free planFree trial
BitcoinIRA is one of the longest-running crypto IRA providers, and it suits investors who want crypto and precious metals in a single retirement account. The platform lists 80 plus cryptocurrencies plus physical gold, with custody through BitGo Trust in public comparisons. Guided rollover assistance helps investors moving funds from an existing retirement account, which is often the hardest part of opening a crypto IRA.
Cost is the trade. A 2% trading fee plus a 0.08% monthly account fee makes BitcoinIRA pricier than iTrustCapital for active traders, and the monthly fee compounds over a long retirement horizon. Check setup, deposit, and custody fees on the vendor site, since public comparisons differ on small details. For a broad-asset, guided account, BitcoinIRA remains credible despite the higher fee.
What we like- 80 plus coins and gold
- Long track record since 2016
- Guided rollover help
Watch out for- Higher 2% trading fee
- 0.08% monthly account fee
- $1,000 minimum
Starting price1% spread trading fee
Free planFree trial
Fidelity brings large-brand custody and a $0 minimum to crypto IRAs, which lowers the barrier for existing Fidelity customers. The account covers Bitcoin, Ethereum, Solana, and Litecoin in public comparisons, with Traditional, Roth, and Rollover options. Custody sits with Fidelity Digital Assets, with most crypto held offline, and there are no monthly fees in those comparisons.
Scope is narrow. Four coins will disappoint investors who want a broad altcoin list, and staking is not supported in public comparisons. The 1% fee is a spread built into the trade price, so the cost is less visible than a stated commission. For a conservative, Bitcoin-focused investor who already trusts Fidelity, this is a reassuring option. For broad diversification, look elsewhere.
What we like- $0 minimum in public comparisons
- No monthly fees
- Custody by Fidelity Digital Assets
Watch out for- Only four coins listed
- No staking support in comparisons
- Spread pricing is less transparent
Starting price1% on buys and sells
Free planFree trial
Swan Bitcoin IRA suits investors who want Bitcoin and nothing else in retirement. The Bitcoin-only focus removes altcoin decisions, and the recurring purchase model fits long-term accumulation. Public comparisons list a 1% fee on buys and sells, a $0 minimum, and a small monthly IRA fee, with custody through Equity Trust Company.
That simplicity is also the limit. An investor who later wants Ethereum, Solana, or metals must open a second account elsewhere. The monthly fee, while small, adds up over decades, so compare it against the value of the simple model. For a disciplined Bitcoin-only retirement strategy, Swan is one of the cleanest options on this list.
What we like- Bitcoin-only focus
- $0 minimum in public comparisons
- Simple recurring purchase model
Watch out for- No altcoins
- Monthly IRA fee in comparisons
- Limited fit for diversified investors
Starting priceSee website
Free planFree trial
BitIRA targets investors who want guided help through a rollover, rather than a self-serve app experience. The platform covers major cryptocurrencies plus precious metals, with an emphasis on secure storage and onboarding support. That guidance helps first-time crypto IRA investors who find custody, rollovers, and IRS rules intimidating.
The $5,000 minimum in public comparisons excludes smaller investors, and public pricing details are thinner than for iTrustCapital or BitcoinIRA. Confirm all fees, including purchase, custody, and storage charges, directly with BitIRA before funding. For a guided, higher-minimum account, BitIRA fits. For a low-cost, self-serve account, the fee leaders above are stronger.
What we like- Guided onboarding
- Crypto plus precious metals
- Established custodian model
Watch out for- $5,000 minimum in comparisons
- Less transparent public pricing
- Fewer coins than broad rivals
Starting price1.25% transaction fee on buys
Free planFree trial
Coin IRA combines cryptocurrencies with fractional precious metals, which suits investors who want metals exposure without buying full bars or coins. Public comparisons list a 1.25% transaction fee on buys, a 1% fee on sells, and a $5,000 minimum, with a monthly metals storage fee. Guided service helps investors who prefer support during setup and rollover.
Cost and minimum are the barriers. The buy fee exceeds the 1% leaders, and the $5,000 minimum plus a reported account closure fee make switching costly. Confirm current storage, setup, and closure fees on the vendor site. For fractional metals inside a crypto IRA, Coin IRA is a distinct option. For lowest fees, it is not the leader.
What we like- Crypto plus fractional precious metals
- Guided service
- 17 plus coins in comparisons
Watch out for- $5,000 minimum
- Higher buy fee than low-fee rivals
- Account closure fee reported
Starting price1.5% conversion fee
Free planFree trial
Unchained IRA appeals to security-focused Bitcoin investors through collaborative custody. Multisignature vaults mean no single party alone controls the keys, which reduces single-point-of-failure risk compared with a standard custodial account. That model suits long-term holders who prioritize security and control over coin variety or frequent trading.
The trade-offs are scope and cost. Unchained is Bitcoin only, with a $2,000 minimum per trade and a 1.5% conversion fee in public comparisons. Frequent small purchases will feel expensive, and altcoin investors need another provider. For a large, long-term Bitcoin retirement holding where custody matters most, Unchained is a serious, if specialized, choice.
What we like- Collaborative custody with multisignature vaults
- Bitcoin-only security focus
- Strong security reputation
Watch out for- $2,000 minimum per trade in comparisons
- Bitcoin only
- Higher conversion fee
Starting priceSee website
Free planFree trial
BlockTrust IRA appears in 2026 award comparisons for transparent fees and strong security, with multisignature cold storage and a large coin list. Public award material lists a $250 per year unmanaged fee or $0 per year managed fee, with trading fees in a lower range than many rivals, and no minimum for unmanaged accounts. That structure suits investors who want fee clarity upfront.
As a newer brand, BlockTrust lacks the long track record of Fidelity or BitcoinIRA, so due diligence matters more. Confirm whether the managed or unmanaged model fits your needs, what the managed model requires, and how custody and insurance work for your account. For fee transparency and security features, BlockTrust deserves a place on the shortlist, with verification before funding.
What we like- Transparent annual fee model in awards comparisons
- 60 plus coins
- Multisignature cold storage
Watch out for- Newer brand than Fidelity or BitcoinIRA
- Pricing varies by managed versus unmanaged account
How we chose
We compared pricing pages, fee disclosures, and public reviews on Koinly, Fortunly, Wall Street Zen, and provider sites, and we kept only companies that exist today and offer a Bitcoin or crypto IRA in the US. Each company was judged on trading fees, monthly and custody fees, minimums, coin range, IRA types, custody model, and rollover support. We did not claim hands-on testing, and we left prices as See website where a vendor fee could not be confirmed from a current public source at the time of writing. This is not financial advice.
How to choose a Bitcoin IRA without costly mistakes
Start with fees over decades, not over one trade. A 1% fee versus a 2% fee looks small on a single purchase, but over twenty years of contributions and compounding, the gap grows. Add monthly account fees, custody fees, metals storage fees, and any closure or transfer fees to the comparison. A low trading fee with a high monthly fee can cost more than a higher trading fee with no monthly fee, depending on how often you trade.
Check custody and security next. Ask who the qualified custodian is, how much crypto sits in cold storage, whether multisignature or collaborative custody is offered, and what insurance, if any, covers digital assets. Custody failures are harder to reverse than a bad trade, so a clear, documented custody model should outweigh a small fee saving. Also confirm which IRA types are offered, since Traditional, Roth, SEP, and SIMPLE rules differ for taxes and contributions.
Do not fund an account until you understand volatility and tax rules. Crypto prices can fall sharply, and IRA rules on contributions, distributions, and prohibited transactions still apply. Speak to a tax professional about rollovers, contribution limits, and Roth versus Traditional treatment for your situation. This is not financial advice, and a Bitcoin IRA should fit inside a broader retirement plan, not replace it.
Shortlist by situation
- Lowest clear fees: iTrustCapital, Fidelity Crypto IRA
- Broad coins plus metals: BitcoinIRA, Coin IRA
- Bitcoin only: Swan Bitcoin IRA, Unchained IRA
- Guided help: BitIRA, BitcoinIRA
- Fee transparency focus: BlockTrust IRA
Frequently asked questions
Is a Bitcoin IRA safe?
A Bitcoin IRA carries two risks: crypto price volatility and custody risk. Choose a provider with a named qualified custodian, cold storage, and clear insurance disclosure, and keep crypto as only part of a diversified retirement plan. This is not financial advice.
What fees should I compare for a Bitcoin IRA?
Compare trading fees, monthly account fees, custody and storage fees, setup and transfer fees, and closure fees. A provider with a low trading fee can still cost more over time if monthly or storage fees are high.
Can I roll over an existing 401(k) into a Bitcoin IRA?
Many providers support direct rollovers from a 401(k) or existing IRA, which avoids the 60-day rollover deadline and potential penalties. Confirm the rollover method, timeline, and any tax reporting with the provider and a tax professional before moving funds.
Which Bitcoin IRA has the lowest minimum?
Fidelity Crypto IRA lists a $0 minimum in public comparisons, while Swan Bitcoin IRA also lists $0. iTrustCapital and BitcoinIRA list $1,000, and BitIRA and Coin IRA list $5,000. Confirm current minimums on the vendor site, since they change.
Should I choose a Bitcoin-only IRA or a multi-coin IRA?
Bitcoin-only IRAs suit investors with a clear Bitcoin conviction and a simpler security model. Multi-coin IRAs suit investors who want diversification across Ethereum, Solana, and other assets, or metals. Your conviction and risk tolerance should decide, not the size of the coin list alone.
Sources we checked (8)
- https://www.itrustcapital.com/pricing
- https://www.bitcoinIRA.com/pricing
- https://www.fidelity.com/pricing
- https://www.swanbitcoin.com/pricing
- https://www.bitira.com/pricing
- https://www.coinira.com/pricing
- https://www.unchained.com/pricing
- https://www.blocktrustira.com/pricing
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
Shihab Mia · Founder, Rankite
Shihab has 5+ years in B2B and SaaS SEO. He writes Rankite's software buying guides from pricing pages, documentation and public user reviews. More about Shihab.