Best Bitcoin IRAs

• Clear 1% crypto transaction fee

• No monthly or annual account fee

• 90+ digital assets, plus physical gold and silver

• In-kind crypto distributions to a personal wallet at 59½ and older

• Not a self-custody setup

• New account minimum is $1,000

• Closed-loop system: no external wallet transfers before age 59½

• Bitcoin purists may prefer a Bitcoin-only provider

We picked iTrustCapital as the best overall option because the pricing is easy to understand and the platform is built for people who want to trade inside an IRA without a lot of friction. The main appeal is simple: 1% crypto transaction fees, no monthly or annual account fees, and support for Traditional, Roth, and SEP IRAs. It also has a $1,000 minimum for new accounts, which is more approachable than some older crypto IRA setups.

It is also the only provider on this list that lets you hold something other than crypto. iTrustCapital offers 90+ digital assets alongside physical gold and silver in the same IRA, sourced through Kitco and stored at the Royal Canadian Mint, with no storage fee while the metals stay in your IRA. It is also one of the few providers that supports in-kind crypto distributions, so once you reach 59½, you can take the coins themselves to a personal wallet rather than selling first.

It is not self-custody, and it is not the cheapest choice in every situation. But if you want a broad crypto IRA that feels modern and easy to use, this is one of the strongest all-around picks in the group.

• No account opening, maintenance, or custody fee

• 1% trading fee is competitive

• Custody through a federally chartered national trust bank

• Roth, Traditional, and Rollover support

• Supports only Bitcoin, Ethereum, Litecoin, and Solana

• Not available in California or Oregon

• No withdrawals to an external wallet

• Requires a linked Fidelity brokerage IRA to fund the account

We picked Fidelity for low fees because the structure is unusually simple for a retirement product tied to crypto. Fidelity says there are no fees to open or maintain a Fidelity Crypto IRA and no custody fee, while crypto trades carry a 1% trading fee. That is a strong starting point if you already trust Fidelity and want a familiar name.

The custody setup is the other reason to look here. Assets are held by Fidelity Digital Assets, which operates under a national trust bank charter from the OCC. Most crypto IRA providers, iTrustCapital included, use state-chartered trust companies, so this is a higher regulatory bar than the rest of the field, and the majority of crypto sits in institutional cold storage.

The tradeoff is scope. The Crypto IRA supports four cryptocurrencies, is unavailable in California and Oregon, and does not let you withdraw crypto to an external wallet. You also need a linked Fidelity brokerage IRA to move money in, since you cannot contribute directly to the Crypto IRA. For many investors, that is fine. For others, it will feel limited.

• Strong self-custody and key control story

• Flat $250 annual fee

• Traditional, Roth, SEP, and Inherited IRA support

• Multisig security model stands out

• 1.50% trading fee is not cheap

• $2,000 minimum on every IRA transfer, rollover, and contribution

• Guided onboarding with hardware wallets runs $2,650 as a separate package

• More setup complexity than a custodial account

We picked Unchained for self-custody because it is the clearest answer to the "not your keys, not your coins" crowd. Unchained says its IRA supports Traditional, Roth, SEP, and Inherited IRAs, with a flat $250 annual fee, no setup fee, and a multisig vault structure that lets clients retain control of keys. That is rare in this category.

The catch is that this setup isn't the easiest for everyone. The trading fee is higher than Fidelity or iTrustCapital, and Unchained requires a $2,000 minimum on each IRA transfer, rollover, or annual contribution, which rules it out for smaller savers making incremental deposits. If you want Unchained to walk you through vault setup and supply the hardware wallets, that is a separate $2,650 package. The self-custody angle will appeal more to serious Bitcoin users than to casual retirement savers. If self-custody is the point, though, this is the one.

• Clear Bitcoin-only focus

• Transparent fee language

• Strong fit for long-term Bitcoin savers

• Available to US residents in every state, including New York

• The 0.02% monthly platform fee grows with your balance, unlike a flat annual fee

• Traditional and Roth only

• No SEP or SIMPLE IRA, though you can roll those in

• Monthly platform fee applies regardless of whether you trade

We picked Swan for Bitcoin-only investors because it stays focused. Swan's IRA supports Traditional and Roth IRAs, allows rollovers from SEP, SIMPLE, and old 401(k)/IRA accounts into those IRA types, and uses a simple fee structure: 1% on Bitcoin buys and sells, plus a monthly platform fee of 0.02% of assets on platform with a $20 monthly minimum. Swan states the IRA is open to US residents in every state, including New York. It is one of the cleaner options if you want Bitcoin exposure in retirement and do not care about altcoins.

That focus is also the obvious limitation. If you want a broader crypto IRA, Swan is not trying to be that. But for someone who only wants Bitcoin, that narrow scope can actually be the selling point.

• 80+ supported cryptocurrencies

• Broad account-type support

• Good fit for investors who want more than Bitcoin

• 2% trading fee is high

• 0.08% monthly fee adds ongoing cost

• Fees can stack up over time

• Not the cleanest choice for cost-focused buyers

We included BitcoinIRA because it goes wider than the others. If you want more than a Bitcoin-only account, it gives you that. The platform says it supports 80+ cryptocurrencies and a broad mix of account types, including Traditional, Roth, SEP, SIMPLE, and Solo 401(k), offering more flexibility than most in the field.

The tradeoff is cost. BitcoinIRA publicly says it charges a 2% trading fee and a 0.08% monthly account fee. That changes the math fast if you trade often or keep a large balance. This is the one for people who care more about coin access than keeping fees lean.