iTrustCapital Review – Is this the Best Crypto IRA? (September 2026)

By Jacob Wade

Jacob Wade

Contributor

Jacob is a nationally-recognized personal finance writer and has written for The Balance, The Spruce, LendingTree, Hedge With Crypto, Investopedia, Money Under 30, and other widely-followed sites. He is an expert in teaching others how to budget, save money, pay off debt, and invest, and loves to help others find the best ways to manage their money.

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Reviewed by Lincoln Olson

Lincoln Olson

Head of Content

Lincoln is an investor and content marketer. He has worked for financial advisors, institutional investors, and a publicly-traded fintech company. Lincoln holds degrees in Finance, Economics, and Accounting.

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If you’re a long-term investor in Bitcoin or other cryptocurrencies, you may want to consider a retirement account.

iTrustCapital is an investment company that offers self-directed IRA (SDIRA) accounts, allowing you to invest in cryptocurrencies — as well as precious metals — in a tax-advantaged account.

Here’s my iTrustCapital review and a complete breakdown of its features, fees, supported assets, user experience, and how it stacks up against Bitcoin IRA:

Is iTrustCapital Legit?

The Bottom Line: Yes, iTrustCapital is legit based on an apparent history. The platform is great for long-term investors to invest in cryptocurrencies and precious metals in tax-efficient retirement accounts.

iTrustCapital offers self-directed IRA (SDIRA) accounts that allow you to invest in traditional and alternative assets, including cryptocurrencies and precious metals. Outside of their IRAs, they also offer Premium Custody Accounts for taxable investing. Its low fees and top-notch security make iTrustCapital one of the best ways (if not the best way) to invest in crypto, gold, or silver within a retirement account.

What is iTrustCapital?

iTrustCapital is a fintech software platform that allows clients to buy and sell cryptocurrencies and physical gold and silver in real-time within tax-efficient retirement accounts.

iTrustCapital has processed more than $16 billion in transaction volume for 250k+ accounts since inception. This allows you to buy or sell crypto in real-time, as opposed to a small lag (and inflated prices) on other platforms.

iTrustCapital supports multiple types of IRAs offered on the platform, including Traditional, Roth, and SEP IRAs. You can even rollover your existing workplace retirement account (such as a 401k) into an iTrustCapital IRA.

In addition to their IRAs, you can invest outside of a retirement account with iTrustCapitals’ Premium Custody Account for taxable investing.

There are currently over 100 cryptocurrencies available to invest in, as well as stocks, ETFs**, physical gold, silver, and platinum.

iTrustCapital Fees and Minimums

1. • Minimum investment: $1,000  
   • Crypto transaction fees: 1%
   • Gold transaction fees: Over spot price (per ounce)
   • Silver transaction fees: Over spot price (per ounce)
   • Traditional IRA to SEP or Roth Conversion: $75 (one-time fee)

iTrustCapital’s crypto transaction fees are on-par with many major cryptocurrency exchanges, and lower than other crypto IRA accounts.

How Does iTrustCapital Work?

iTrustCapital is an investment platform that supports individual retirement accounts.

You can sign up, deposit funds, and start investing in alternative assets, including cryptocurrency, gold, and silver. You can also invest in 10,000 stocks and ETFs. Also, you can choose between a Traditional or Roth IRA, or open a SEP IRA if you are self-employed or a business owner.

For the IRAs, you can fund your account in USD or transfer supported assets in-kind from another self-directed IRA platform. For Premium Custody Accounts, you can fund with either USD or transfer eligible crypto in-kind.

There is a $1,000 minimum to open an account.

iTrustCapital has a simple user interface for buying and selling cryptocurrency, stocks, ETFs, and precious metals:

To access stocks and ETFs, users must complete a brief onboarding process to open a brokerage account through Apex Clearing Corporation, an SEC registered broker-dealer, member of FINRA and SIPC.

iTrustCapital also supports crypto staking, which is a way to earn interest on your crypto investments. Currently, only two assets are supported (ETH & SOL), and iTrustCapital does take a 22% cut of the profits earned from staking ETH or SOL, but the process is simple and all interest is earned within your account.

Crypto assets are stored with  third-party institutional storage providers via Fireblocks, Coinbase Custody, and Fidelity Digital Assets. Clients’ assets are never lent out or invested as some crypto exchanges do (ahem…FTX), but are stored solely for client use.

Upon reaching retirement age (59.5 for IRA accounts), you can begin taking distributions from the IRA account. This includes transferring crypto assets into your own digital wallet for self-custody. You cannot take custody of crypto assets before retirement age, as the IRS prohibits this. However you can take an in-kind distribution if the custodian transfers it into your personal wallet – you cannot take possession before the formal distribution is processed by the custodian.

Physical gold and silver sold on the platform are stored by the Royal Canadian Mint.

How to Sign Up For an iTrustCapital IRA

To apply for an iTrustCapital IRA, you will need to submit an application (similar to signing up for an IRA with a traditional financial firm):

1. • Choose a type of IRA (Traditional, Roth, SEP)
   • Choose how to fund the account
   • Nominate at least one beneficiary
   • Submit some personal information (legal name, address, and social security number)

Once the application is submitted, the account can be funded from your bank account, your IRA, or an old workplace retirement account like a 401(k), 403(b), etc.

You are required to have earned income to qualify for an IRA and you can only invest up to the annual limits within the account ($7,500 as of 2026 if you’re under 50; $8,600 if you’re 50 or older). Joint accounts are not available and you cannot open a spousal IRA through iTrustCapital at this time.

What Assets are on iTrustCapital?

iTrustCapital supports crypto, stocks, ETFs and physical gold and silver. All can be traded directly on the platform, and prices and fees are easily accessible.

There are currently over 100 cryptocurrencies supported on the platform, including:

See all the cryptocurrencies offered here.

Pros and Cons of iTrustCapital

Pros

1. • Buy and sell  crypto, stocks, ETFs, gold, and silver in tax-advantaged accounts. iTrustCapital is one of the few companies that offers crypto, stocks, ETFs, and precious metals within a retirement account. You can buy and sell  without causing a taxable event, and both traditional and Roth IRA accounts are available.
   • Real-time pricing and trading. iTrustCapital offers real-time pricing for trading gold, silver, stocks, ETFs, and all cryptocurrencies. This allows you to get a fair market price for each asset, and transactions happen instantly, instead of waiting until end-of-day or until market close (like many investment platforms).
   • Access to 100+ different cryptocurrencies and 10,000+ stocks/ETFs. You can trade 100+ different crypto assets on the platform, including Bitcoin, Ethereum, and Dogecoin.
   • Crypto staking available. iTrustCapital offers crypto staking for Ethereum (ETH) and Solana (SOL), which is a great way to earn rewards within your retirement account. You can also earn rewards through stablecoins via USDC and RLUSD.
   • Can rollover retirement accounts into iTrustCapital. iTrustCapital allows you to roll over several types of retirement accounts, including 401k, 403b, TSP, and other IRA accounts. You can even rollover “in-kind” assets, meaning you don’t have to sell if you own crypto inside another IRA that you are rolling over to iTrustCapital.

Cons

1. • Taking custody of crypto before retirement may be penalized. When investing in crypto with iTrustCapital, your assets are held with a third-party custodian. This is required by law, and you cannot take custody of your assets before retirement age (59.5 years old). If you do decide to withdraw your crypto assets before then, it may cause a taxable event, as well as a penalty from the IRS.
   • High account minimums. While some retirement accounts have very low minimums ($10 or less), iTrustCapital requires a $1,000 deposit to open an account. 

Want to review more pros and cons? Head over to our article on the best crypto IRA.

Should You Use iTrustCapital?

iTrustCapital is the top low-fee crypto IRA platform available. With low trading fees, a wide variety of cryptocurrencies, stocks, ETFs, and access to gold and silver, it is a great option for investing within a retirement account.

If you want to buy and sell cryptocurrencies and have the ability to take custody of your assets, however, this may not be the best choice. While the selection is good for long-term investors, most crypto exchanges support hundreds of different cryptocurrencies. Additionally, you cannot take custody of your crypto assets without fees and taxes before reaching retirement age.

iTrustCapital is best for long-term crypto (and gold and silver) investors who want a low-fee, tax-advantaged account.

iTrustCapital vs. Bitcoin IRA

Both iTrustCapital and Bitcoin IRA offer access to cryptocurrencies within your retirement account, as well as the ability to invest in precious metals. Both support Traditional, Roth, and SEP IRAs, and both secure your crypto assets in cold storage.

The primary differences are the minimum investment, fees, and asset selection:

Final Word: iTrustCapital Review

With transparent (and very low) transaction fees, access to more than two-dozen cryptocurrencies, and the ability to stake crypto to earn passive income, iTrustCapital is one of the best crypto IRA accounts out there.

Remember, investing in an IRA means you can’t take custody of your crypto, but funds are kept safe in offline storage while you wait for retirement.

If you want to add some alternative assets to your retirement plan, iTrustCapital is a great option.

That’s a wrap on my iTrustCapital review!

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About the author

Jacob Wade

Contributor

Jacob is a nationally-recognized personal finance writer and has written for The Balance, The Spruce, LendingTree, Hedge With Crypto, Investopedia, Money Under 30, and other widely-followed sites. He is an expert in teaching others how to budget, save money, pay off debt, and invest, and loves to help others find the best ways to manage their money.