Best Crypto IRA Companies 2026
We compared fees, crypto selection, and user experience to rank the top Bitcoin and crypto IRA providers.
Quick Comparison
| Company | Trading Fee | Monthly | Minimum | Cryptos | Gold/Silver | Rating |
|---|---|---|---|---|---|---|
iTrustCapital | 1% | $0 | $1,000 | 30+ | 4.7 | |
Alto IRA | 1% + spread | $0 | $0 | 200+ | 4.5 | |
Bitcoin IRA | 2%+ | $20+ | $3,000 | 60+ | 4.2 | |
Choice by Kingdom Trust | Varies | $0 | $0 | 50+ | 4 |
iTrustCapital
Our Top PickBest Overall
The best all-around crypto IRA with low 1% fees, 24/7 trading, and the unique ability to hold gold and silver alongside crypto.
Pros
- Lowest total fees
- Gold & silver option
- 24/7 trading
- Clean interface
Cons
- $1,000 minimum
- Only 30+ cryptos
Alto IRA
Most Crypto Options
Best for crypto enthusiasts who want access to 200+ coins through Coinbase integration. The $0 minimum is great for beginners.
Pros
- $0 minimum
- 200+ cryptocurrencies
- Alternative investments
- A+ BBB rating
Cons
- No precious metals
- Higher total fees
- Indirect trading
Bitcoin IRA
Established Brand
One of the first crypto IRA providers with a strong brand. Good selection but higher fees than newer competitors.
Pros
- 60+ cryptocurrencies
- Precious metals option
- Insurance coverage
- Phone support
Cons
- Highest fees
- $3,000 minimum
- Monthly custodial fees
Choice by Kingdom Trust
Backed by Trust Company
Backed by Kingdom Trust, a leading self-directed IRA custodian. Good option for those wanting institutional backing.
Pros
- Kingdom Trust custody
- $0 minimum
- Good crypto selection
Cons
- Less intuitive platform
- Fee structure complex
How We Ranked These Companies
Fees (40%)
Total cost of ownership including trading fees, monthly charges, and hidden costs.
Asset Selection (25%)
Number and variety of cryptocurrencies available, plus any additional assets like gold.
Security & Trust (20%)
Custody solutions, insurance, BBB rating, and company track record.
User Experience (15%)
Platform quality, mobile app, customer support, and ease of use.
Frequently Asked Questions
What is the best crypto IRA company?
iTrustCapital is our top pick for most investors due to their low 1% trading fee, no monthly charges, and the unique ability to hold both crypto and precious metals. Alto IRA is best if you want access to 200+ cryptocurrencies.
How much does a crypto IRA cost?
Costs vary by provider. iTrustCapital charges 1% per trade with no monthly fees. Bitcoin IRA charges around 2% plus monthly custodial fees. Always compare total costs before choosing.
Can I rollover my 401(k) to a crypto IRA?
Yes, you can rollover funds from a 401(k), Traditional IRA, Roth IRA, 403(b), or TSP into a crypto IRA. The process is tax-free if done as a direct rollover.
Are crypto IRAs safe?
Crypto IRAs use institutional-grade custody, but crypto itself is volatile and not FDIC insured. Choose established providers with good track records and only invest what you can afford to hold long-term.
Balance Crypto with Gold
Smart investors diversify across asset classes. While crypto offers growth potential, gold provides stability during market volatility.