10 Best Crypto IRA Companies of 2025 (ranked by experts)

Cryptocurrency has been one of the best-performing investments in recent memories, although trading Bitcoin and altcoins can be expensive and scam-prone.

The best crypto IRA companies allow you to buy or sell cryptocurrency with a tax-advantaged retirement portfolio on a trustworthy platform with low fees.

Bitcoin IRA is our favorite option for its competitive investment options, fees, and research tools.

It’s still worth comparing several crypto investment companies to find the best fit for your goals, such as a low minimum investment or a particular perk such as a trading simulator.

Best Crypto IRA Providers of 2025

1. Bitcoin IRA – Best Overall
2. iTrustCapital – Lowest Fees
3. BitIRA – Best Security
4. My Digital Money – Best Customer Service
5. Swan Bitcoin – Best for Bitcoin IRAs
6. Choice App – Best app
7. Coin IRA – Best for Trading
8. Alto CryptoIRA – Most Crypto Options
9. Unchained Bitcoin IRA – Best Self-custody
10. Bitcoin Advizers – Best for Beginners

1. Bitcoin IRA – Best Overall

Editors’ Opinion: Bitcoin IRA has a 92% rating for its 75+ supported cryptos and extensive security safeguards.

Best Suited For: Trading over 75 cryptocurrencies with one of the oldest crypto investment companies.

BBB Rating: A+ (accredited since 2020)

Minimum Initial Investment	$3,000
Setup Fee	2.99%
Monthly Fee	0.08% ($20 minimum per month)
Trading Fee	2%

Bitcoin IRA offers substantially more cryptocurrencies than most (75+ vs. 15 to 40) and is one of the first crypto IRA platforms.

Your account has up to $250 million in custody insurance and military-grade storage. You can also trade 24/7 by mobile app or online website.

Company Highlights

• Over 75 tradeable cryptocurrencies
• One of the first crypto IRA companies
• Up to $250 million in insurance
• Over 4,000 5-star customer reviews

Why we chose Bitcoin IRA

Bitcoin IRA is one of the oldest crypto IRA companies with over 200,000 accounts and many positive customer ratings. You can also invest in over 75 crypto tokens, substantially more than most competitors.

It also uses one of the first and largest crypto IRA custodians, BitGo.

2. iTrustCapital – Lowest Fees

Editors’ Opinion: iTrustCapital has a 92% rating for its low fees and minimums.

Best Suited For: No setup or monthly fees and trading crypto or fractional metals.

BBB Rating: A+ (not BBB accredited)

Minimum Initial Investment	$1,000
Setup Fee	$0
Monthly Fee	$0
Crypto Trading Fee	1%
Gold Transaction Fee	$75 over spot
Silver Transaction Fee	$3.25 over spot

iTrustCapital doesn’t charge any setup or monthly fees and you only pay 1% to buy or sell crypto.

You can quickly diversify your portfolio with over 45 supported cryptos and have the ability to buy fractional gold and silver. The investment minimum is a reasonable $1,000.

Company Highlights

• Zero setup fees
• Zero monthly fees, a 1% transaction fee is your only expense
• Invest in crypto and metals
• Non-commissioned sales representatives

Why we chose iTrustCapital

iTrustCapital has rock-bottom fees and an affordable $1,000 investment minimum. It has many investment choices, so you can trade crypto and precious metals with the same platform.

You will also enjoy the commission-free customer support and easy-to-use platform.

3. BitIRA – Best Security

Editors’ Opinion: BitIRA has a 92% rating as it offers fully insured cold storage digital IRAs.

Best Suited For: End-to-end insurance for crypto retirement accounts of all balance amounts.

BBB Rating: A+ (accredited since 2018)

Minimum Initial Investment	$5,000
Setup Fee	$0
Monthly Fee	$0
Trading Fee	1%

BitIRA is one of the oldest crypto IRAs along with excellent storage and insurance policies.

There are zero account fees and affordable trading fees so you can invest more of your funds. You will also receive ongoing hands-on help by phone or email.

Company Highlights

• End-to-end custody insurance
• One of the oldest crypto IRAs
• No setup or monthly fees
• 15+ cryptocurrencies

Why we chose BitIRA

BitIRA offers many of the most traded cryptocurrencies while avoiding the riskiest altcoins.

Your assets have offline storage protections and generous custody insurance against loss, theft, hacking, and more with reputable custodian and security partners.

4. My Digital Money – Best customer service

Editors’ Opinion: My Digital Money has a 91% rating thanks to its high-touch support and tools.

Best Suited For: Hands-on help and insights, a free trading simulator, and accounts above $500,000

BBB Rating: A+ (not BBB accredited)

Minimum Initial Investment	$1,000
Setup Fee	$0
Monthly Fee	$0
Trading Fee	0.75% to 1.70% (varies by account size)

My Digital Money offers a “Play Money” trading simulator that is helpful to new and experienced crypto traders.

You can easily receive hands-on help by phone and email, plus weekly market insights. Trade over 20 tokens without setup or ongoing service fees.

Company Highlights

• Hands-on support and education
• Free “Play Money” simulator
• Reduced trading fees on accounts above $500,000
• No setup or storage fees

Why we chose My Digital Money

My Digital Money provides weekly insights and free paper money accounts to improve your trading skills for over 20 supported cryptocurrencies.

Its customer service team is highly rated and your assets have military-grade protection with up to $600 million in insurance coverage.

5. Swan Bitcoin – Best for Bitcoin IRAs

Editors’ Opinion: Swan Bitcoin has a 91% rating for its $0 minimum Bitcoin-only IRAs.  

Best Suited For: Bitcoin-only portfolios, small balances, and private client services

BBB Rating: Not Rated

Minimum Initial Investment	$0
Setup Fee	$0
Monthly Fee	$20/month for accounts below $100,000 or 0.25% annually for accounts above $100,000
Trading Fee	0.99% (No fees on the first $10,000)

Swan Bitcoin has no minimum investment threshold and a 0.99% trading fee ($0 for the first $10,000 in transactions).

Private client services are available to portfolios over $100,000. Its specialized focus on Bitcoin is why it has some of the highest crypto IRA reviews. 

Company Highlights

• No trading fees on the first $10,000 in buys or sells
• Private client services for portfolios exceeding $100,000
• Educational articles, videos, and podcasts
• Also offers personal and business trading accounts

Why we chose Swan Bitcoin

Swan Bitcoin is one of the most benefit-rich Bitcoin IRA companies waiving trading fees on the first $10,000 in transactions.

Account balances above $100,000 qualify for private client services, including tax optimization strategies, 24/7 support availability, exclusive research and events.

6. Choice App – Best App

Editors’ Opinion: Choice App has a 90% rating for its versatile mobile-friendly trading platform. 

Best Suited For: Mobile traders and new crypto investors

BBB Rating: No Rating

Minimum Initial Investment	$0
Setup Fee	$0
Monthly Fee	1% ($20 minimum per month)
Trading Fee	$0.99 to 1.49% (depending on trade size)

Choice App has a user-friendly Android and iOS app along with a web platform. Choose from over 20 cryptocurrencies and other alternative assets.

Collect free Bitcoin each day with the Blinko game. There’s no investment minimum but monthly fees and trading fees apply.

Company Highlights

• Invest in multiple asset classes
• Beginner-friendly mobile app
• Quick funding speeds
• Earn a daily Bitcoin bonus

Why we chose Choice App

Choice App has one of the best mobile experiences and the in-app Blinko game lets you win up to 500 Bitcoin sats daily after a few seconds of effort.

You can invest in over 20 cryptocurrencies and other alternative assets with the same retirement account without a minimum investment.

7. Coin IRA – Best for Trading

Editors’ Opinion: Coin IRA rates 90% with its competitive trading fees and long operating history. 

Best Suited For: IRA and non-IRA cryptocurrency trading

BBB Rating: A+ (accredited since 2017)

Minimum Initial Investment	$5,000
Setup Fee	$0
Monthly Fee	$0
Trading Fee	1.25% (buys) or 1% (sells)

Coin IRA helps you easily trade 18+ cryptocurrencies and fractional metals through retirement or personal accounts.

The platform partners with Equity Trust, one of the best crypto IRA custodians for peace of mind, and offers 24-hour chat support.

Company Highlights

• Trade 18+ cryptos and 3 fractional metals
• Reasonable trading fees–1.25% on buys and 1% on sells
• No setup, ongoing maintenance, or storage fees
• Trade 22 hours daily and access 24/7 account chat support

Why we chose Coin IRA

Coin IRA makes the list as one of the best crypto IRA companies as it provides 24/7 chat support, which can come in handy for after-hours trading.

It also has low trading fees, a long operating history, and partners with outstanding custodians and custody services. 

8. Alto CryptoIRA – Most Crypto Options

Editors’ Opinion: Alto CryptoIRA has a 92% rating thanks to its numerous investment options.

Best Suited For: Altcoin traders and Coinbase customers

BBB Rating: A+ (not BBB accredited)

Minimum Initial Investment	$10
Setup Fee	$0
Monthly Fee	$0
Trading Fee	1%

Alto CryptoIRA by far offers the most crypto options with over 200 tokens through Coinbase.

Trading fees are a lean 1% and only a $10 investment minimum with no service or custody fees. You can trade Bitcoin and altcoins using the mobile app or web platform.

Company Highlights

• Over 200 supported cryptocurrencies versus 15 to 80 tokens on most IRAs.
• No setup, ongoing maintenance, or custody fees.
• Hot and cold offline storage options through Coinbase.
• Accredited investors can also get exposure to other private assets.

Why we chose Alto CryptoIRA

Alto CryptoIRA blows its competitors out of the water by offering over 200 cryptos and you only pay a 1% transaction fee.

The $10 minimum investment makes starting easy for beginners without encountering setup, service, or storage fees.

9. Unchained Bitcoin IRA – Best Self-Custody

Editors’ Opinion: Unchained Bitcoin IRA has a 90% rating as you get a self-custody IRA and concierge service.

Best Suited For: Bitcoiners, private key access, and high net worth investors

BBB Rating: A (not BBB accredited)

Minimum Initial Investment	$2,000
Setup Fee	$0 or $750 for options concierge onboarding
Service Fee	$250 annually ($0 for the first 12 months) or $500 monthly for Unchained Signature
Trading Fee	1.00% to 1.50% (depending on trade size)
Hardware Withdrawals	$75 each or bring your own device

Unchained provides Bitcoin-only IRAs along with the option of offering you private key access, instead of traditional multi-signature custody.

Wealthy clients can enroll in Unchained Signature for dedicated account management and exclusive events.

Company Highlights

• Unchained Signature ($500/month) provides dedicated account management, exclusive events, and expedited white-glove account setup.
• No first-year IRA service fees and a flat annual fee help large accounts save money.
• IRA customers gain private key access instead of the custodian.
• Personal, business, trust vaults, Bitcoin loans, and inheritance planning are available.

Why we chose Alto Unchained

Unchained provides a dedicated signature service that you come to expect with a sizable balance to assist with big trades and long-term wealth planning.

The ability to opt for private key access instead of a multi-sig wallet is appealing too. The flat annual fees may also attract you.

10. Bitcoin Advizers – Best for Beginners

Editors’ Opinion: Bitcoin Advizers rates 88% for its beginner-friendly courses and platform.

Best Suited For: Hands-on portfolio insights and crypto investing courses

BBB Rating: A+ (accredited since 2021)

Minimum Initial Investment	$20,000
Setup Fee	$550
Monthly Fee	$20
Storage Fee	$195 annually
Trading Fee	0.07% on the IRA balance

Bitcoin Advizers provides some of the best courses to help you learn how to trade cryptocurrency.

Receive a one-on-one consultation, annual reviews, and daily market analysis as you invest in multiple crypto tokens.

Company Highlights

• Receive a one-on-one consultation to set up and manage your portfolio allocation.
• CryptCourses receive positive reviews that help new investors learn trading skills.
• The $20,000 minimum investment is affordable for a hands-on advisory service, although you must decide if the fees are worth the extra support.
• Daily market insights help you monitor your portfolio and track the crypto markets.

Why we chose Bitcoin Advizers

Bitcoin Advizers is a rarity in that you receive one-on-one insights and educational materials to help you build a personalized crypto IRA.

You will receive ongoing advisor support as you trade and can simulate trades through the web platform or iOS mobile app.

Crypto IRA Investors Guide

Understanding how crypto IRAs work makes it easier to assess the benefits and risks and how they impact your retirement plan.

How does crypto IRA work?

A cryptocurrency IRA is a self-directed IRA specifically for holding alternative assets like digital currency, precious metals, real estate, artwork, fine wine, and private credit.

Crypto investment companies may also call this a “Bitcoin IRA.” 

Here are the essential components of this retirement account:

• Account type: You can open a crypto traditional IRA with tax-deferred contributions. A crypto Roth IRA can be the better move for tax-free withdrawals. Companies also provide SEP IRAs for self-employed and qualified businesses.
• Funding methods: You’re able to transfer an existing IRA or roll over workplace plans, such as a 401(k). It’s also possible to deposit new money from a linked bank account up to your annual contribution limit.
• Investment options: Most Bitcoin IRA companies support 15 to 200+ cryptocurrencies. Offerings differ by platform but expect to trade the biggest tokens by market cap, like Bitcoin, Ethereum, XRP, Solana, and more.
• Plan custodian: IRS rules require a third-party custodian to store your crypto keys and complete tax-compliant paperwork. Equity Trust and BitGo are two of the most reputable crypto IRA custodians with extensive experience and assets under management.  
• Offline storage: Cold wallet storage is standard, so your tokens are least susceptible to hacks and theft. Your plan custodian and custody provider utilizes a multi-signature wallet requiring several parties to authorize withdrawals.
• Insurance: Most crypto IRA platforms provide a minimum of $250 million in custody insurance to protect against account breaches, theft, and damage. It doesn’t protect against normal market losses. Cash balances usually have FDIC insurance.
• Fees: Setup and ongoing fees vary by provider. Many charge an approximate 1% trading fee to cover all expenses. However, some platforms charge setup fees and ongoing service fees to provide additional services and offset storage costs.

Pros

There are several advantages to trading cryptocurrency in an IRA:

• No capital gains taxes: Your trades are not tax-reportable which works to your advantage if you trade frequently and earn substantial gains. You also only pay taxes once on the contribution amount (Roth) or distribution amount (traditional).
• Multiple investment options: Most platforms provide access to Bitcoin and the biggest altcoins so you diversify your portfolio and get exposure to the trending tokens.
• Capital appreciation: Cryptocurrency is a young asset class with more upside potential than well-established sectors. A tax-advantaged account helps you capture more gains.
• Security: Most IRA companies provide military-grade security including offline storage and multi-layer wallets to prevent theft and unauthorized transactions. These protocols are more secure than a standard crypto exchange.  

Cons

Disadvantages of this retirement vehicle include:

• Volatility: Cryptocurrency is riskier than stocks and bonds and requires more hands-on management. Consider becoming comfortable with short-term trading to boost your investment returns. Only allocating a small position also helps you manage risk.
• Account fees: Crypto IRA service and storage fees can cost more than a standard trading account, offsetting the potential tax savings for small balances. 
• No private key access: Custodians use multi-signature wallets for tax compliance. As a result, you don’t store your own keys and withdrawal requests take longer to fulfill.

Conclusion: How to Pick the Best Bitcoin IRA Company

Are you still unsure what the best crypto IRA for your goals is?

I suggest comparing the investment options, minimums, fees, and educational or research features.

For instance, several platforms let you trade Bitcoin and the biggest altcoins with minimal fees. You will also want to compare the insurance and account security practices. 

Consider starting with Bitcoin IRA with its numerous investment options, positive reviews, and experienced staff. You can trade over 80 cryptos 24/7 and open an account within minutes.

FAQs