iTrustCapital Review: Pros and Cons of the Crypto IRA Provider

Best for Buying Crypto and Precious Metals

3.9 _/5

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Crypto and Precious Metals IRA

• Buy and sell in over 75 cryptocurrencies
• Also invest in physical precious metals (gold and silver)
• Multiple retirement accounts (traditional IRA, Roth IRA, and SEP IRA)
• Transaction fees are lower than most crypto and gold IRA providers

• No stocks and bonds
• $1,000 minimum deposit required

iTrustCapital offers a self-directed IRA platform that sets itself apart by allowing investors to hold both cryptocurrency and physical precious metals—a rare combination in the retirement space. With support for more than 75 cryptocurrencies alongside gold and silver, and options for traditional, Roth, and SEP IRAs, iTrustCapital appeals to those seeking a modern, diversified approach to retirement investing.

More than 200,000 people use iTrustCapital, and the platform holds an “A+” rating from the Better Business Bureau. Most customer reviews are positive, with users praising the platform’s ease of use and transparent pricing.

iTrustCapital is the top-rated crypto IRA provider according to our research, outperforming competitors like BitcoinIRA and BitIRA when it comes to pricing transparency, investment selection, and account flexibility. While gold-focused providers such as American Hartford Gold and Advantage Gold remain excellent options for precious metals alone, they don’t support cryptocurrency—and often lack clear fee information.

For investors who value clarity, diversification, and a self-service experience, iTrustCapital is an especially compelling choice.

Table of Contents

1. What does iTrustCapital offer?
   1. Gold and silver IRA
   2. Crypto investing
2. Customer reviews
3. Costs and fees
4. How to open an account
5. Tracking account performance
6. Withdrawing from your account
7. Pros and cons
8. Alternatives

What does iTrustCapital offer?

iTrustCapital caters to investors who want to accumulate alternative assets in their retirement accounts. These are the investments you can access with an iTrustCapital IRA:

iTrustCapital gold and silver IRA

iTrustCapital allows clients to buy and sell gold and silver 24/7. It utilizes VaultChain™, investment-grade gold and silver held physically at the Royal Canadian Mint (RCM), with ownership managed via a secure blockchain distributed ledger. Clients place transactions through iTrustCapital’s platform, which executes through precious metals leader Kitco Metals.

The RCM is responsible for the mintage of Canada’s coin currency and is world-renowned for its bullion coins. The RCM is an ISO 9001-2008 certified corporation and specializes in offering a large spread of quality services and coinage. The RCM is the secure storage provider for Kitco.

Tradewind is a technology platform that combines world-class exchange technology with blockchain. Tradewind’s Vaultchain™ platform is what Kitco uses to digitally track ownership of physical precious metals.

The Vaultchain™ platform tracks ownership of gold and silver in fractions of ounces, allowing much more flexibility for investors. Investors can buy and sell physical precious metals without having to store them.

Gold and silver transaction fees

iTrustCapital executes gold and silver transactions through Kitco Metals, applying a premium over spot pricing—$75 per ounce for gold, and $3.25 per ounce for silver.

On top of that, iTrustCapital charges a flat $2.50 per ounce transaction fee for both metals.

• For gold, the fee structure is generally competitive, as most gold IRA providers charge $10 to $100 or more per transaction.
• For silver, how iTrustCapital fares depends on the spot market price and your order size. With the current silver spot price around $38–39 per ounce (as of early August 2025), iTrustCapital’s’s $2.50 fee translates to approximately a 6–7% premium. Many other precious metals IRAs charge percentage-based fees in the 4–8% range, so iTrustCapital’s flat fee may be more or less cost-effective, depending on the transaction amount and structure.

iTrustCapital crypto investing

iTrustCapital is a leading fintech software platform for alternative assets. Clients get  24/7 access to over 75 cryptocurrencies, iTrustCapital’s core product, alongside its precious metals offering. The few gold IRAs that offer crypto tend to limit their investors to bitcoin (BTC) and ethereum (ETH).

iTrustCapital includes popular choices, such as bitcoin (BTC) and ethereum (ETH), solana (SOL), XRP, but you can also access smaller altcoins such as dogecoin (DOGE), shibainu (SHIB), and polkadot (DOT).

You don’t need to pay a setup fee or a monthly maintenance fee. iTrustCapital charges a 1% transaction fee each time you buy and sell crypto. These examples demonstrate how much you may end up paying in transaction fees:

• Buy $10,000 worth of BTC: $100 transaction fee
• Sell $15,000 worth of ETH: $150 transaction fee

iTrustCapital charges lower fees than most other self-directed IRA platforms. Bitcoin IRA, for example, charges a much higher 2% transaction fee and has additional setup fees and monthly fees. Meanwhile, with Coin IRA, you’ll pay a 1.25% transaction fee for buy transactions plus a 1% fee for sell transactions.

iTrustCapital offers unlimited storage and never takes custody of your assets. (Unlimited storage and preserving custody of your assets are common benefits within the industry.) The company also handles all necessary IRS and tax reporting through a regulated, state-chartered trust company.

Is working with iTrustCapital safe? What customer reviews say

Platform	Rating	Number of reviews
Trustpilot	5/5	6,036
Better Business Bureau (BBB)	3.93/5	27
Google	4.9/5	3,937

iTrustCapital receives largely positive ratings on most major review platforms, although the nature of feedback varies by source.

Trustpilot reviewers are especially enthusiastic, giving iTrustCapital a near-perfect 5.0 rating across 6,000 reviews. Over 80% of reviewers give it five stars, while fewer than 5% rate it below three stars.

Google reviews are also highly favorable, with nearly 4,000 users awarding an average of 4.9 stars. This suggests a consistent and widespread satisfaction with the platform.

In contrast, BBB reviews are more moderate. While the average rating is a decent 3.93 out of 5, most recent BBB feedback is limited. Only three reviews have been posted in 2025.

Common praise

Positive reviews—especially on Trustpilot—frequently highlight helpful and friendly customer support. Many users say representatives were knowledgeable and patient, particularly when walking them through account setup or resolving issues. iTrustCapital offers weekday phone support (7 a.m. to 5 p.m. PT) and an online request form for additional assistance.

While praise for investment options like crypto and precious metals is less common, reviewers tend to focus on the quality of customer service and ease of using the platform.

Common complaints 

Still, not every experience has been smooth. Some users—particularly on BBB and in lower-rated Trustpilot reviews—report frustrations with the distribution process, delays in executing buy/sell orders, and communication gaps. A few reviews also mention difficulty navigating the platform or getting timely responses to urgent requests.

Notably, iTrustCapital has responded to many of the negative Trustpilot reviews, which shows a willingness to engage with customer concerns. The company has also closed five complaints in the last 12 months on BBB. It has received received 14 complaints total in the last three years.

How much does it cost to work with iTrustCapital?

iTrustCapital does not charge setup or maintenance fees. However, you will pay a transaction fee for every buy and sell order. 

You’ll see significant savings on transaction fees if you stick with stocks, bonds, and mutual funds. Many IRA providers don’t charge transaction fees for those assets. 

You will pay a 1% transaction fee each time you buy or sell crypto in an iTrustCapital IRA. Those fees can add up in a hurry, but it’s common to see crypto IRA providers charge elevated fees. 

Gold transactions cost an extra $75 per ounce on the platform, while silver costs an extra $3.25 per ounce. You won’t pay additional storage costs.

How do you open an account with iTrustCapital?

iTrustCapital makes it easy to get started. 

1. Start by clicking the “Open Account” button: 

2. Fill in several basic details to create your account:

3. Before proceeding, you must accept the terms and conditions.
4. iTrustCapital will then send a verification email that allows you to set up two-factor authentication.
5. Select the type of IRA you want to open. A $1,000 minimum deposit is required to open any iTrustCapital IRA. Investors can choose between partial and full transfers. iTrustCapital lets customers roll over 401(k), TSP, 403(b), 457, and other retirement plans.
6. You can open one of the following retirement accounts with iTrustCapital, depending on which tax advantages you want:

• Traditional IRA: contribute with pretax dollars
• Roth IRA: contribute with post-tax dollars
• SEP IRA: contribute with pretax dollars

7. You can fund these accounts with a rollover, IRA transfer, or ACH cash contributions. iTrustCapital only accepts contributions in U.S. dollars. 

Rollovers typically take five to 15 business days but can take up to four weeks, depending on the current institution. Conversions take around one to three business days and come with a one-time $75 conversion fee.

How can you see how your account is performing?

iTrustCapital provides a dashboard that lets you monitor your IRA’s historical performance. You can also track historical inflows and outflows to see how your contributions are adding up. 

It’s smart to periodically check in with your IRA. Tracking your performance can help you adjust your investment strategy and asset allocation.

Can you withdraw from an iTrustCapital account?

You can withdraw funds from an iTrustCapital account by submitting a “Distribution/Transfer Out Request” with the following information:

• Your email address
• ITR account number
• Whether you are transferring out to another IRA provider or taking a distribution
• Email subject line
• Reason for request
• Description

Customers can also add screenshots to their requests. After submitting the form, iTrustCapital will send a DocuSign document within the next two business days. It can take seven to 14 business days to receive the distribution after signing the DocuSign.

Pros and cons of working with iTrustCapital

Pros

• Buy and sell over 75 cryptocurrencies

  Investors can buy and sell more than 75 cryptocurrencies—more than most crypto IRAs—on iTrustCapital while enjoying tax advantages.

• Choose from multiple retirement accounts

  Open a Roth IRA, traditional IRA, or SEP IRA. You can make post-tax contributions to avoid taxes on capital gains and dividends or make pretax contributions to reduce your current tax bill.

• Invest in precious metals

  iTrustCapital customers can buy and sell gold and silver without needing to store it. (This is a standard feature for gold IRAs.) You can enjoy tax advantages on alternative assets instead of being limited to stocks, bonds, and mutual funds.

• Competitive, transparent transaction fees

  iTrustCapital charges a 1% fee on crypto transactions, which is lower than most crypto IRA platforms. Gold and silver transactions incur a $2.50 per ounce fee, which is likely also competitive. Our research shows that gold IRA providers typically charge $10 to $95+ per transaction.

Cons

• No stocks and bonds

  While your iTrustCapital account allows you to access alternative assets, it doesn’t offer much flexibility if you also want to buy stocks and bonds. (Most gold IRAs don’t let you buy or sell stocks and bonds.)

• Minimum deposit required

  You must make a minimum deposit of $1,000 to open an iTrustCapital account. Some IRAs are more generous and don’t require an initial deposit to get started.

Alternatives to iTrustCapital

iTrustCapital allows investors to accumulate crypto and precious metals in tax-advantaged accounts. However, it’s not the only personal finance company you should consider if you want to buy alternative assets in a tax-advantaged retirement account. 

Here’s how iTrustCapital compares with our highest-rated choice in our roundup of the best gold IRA companies.

Feature	iTrustCapital	American Hartford Gold
Free consultation?	✅	✅
Metal types sold	2	3
IRA minimum	$1,000	$10,000
Years in business	7	8
Best for	Best for buying crypto and precious metals	Best overall

American Hartford Gold offers more retirement account options than iTrustCapital’s three choices. You can open any of the following accounts with AHG:

1. Traditional IRA
2. Roth IRA
3. Thrift Savings Plan
4. 401(k)
5. 403(b)
6. 457 account

AHG lets you choose from several gold and silver coins and bars for its IRAs. You can also buy physical gold and silver and have it delivered to your home. 

In addition, AHG has been in business longer than iTrustCapital. AHG was founded in 2015, and iTrustCapital was founded in 2018.

However, AHG requires a $10,000 minimum deposit to open an IRA. That’s a much higher barrier to entry than iTrustCapital’s $1,000 minimum deposit requirement. Furthermore, AHG customers can’t access cryptocurrencies, while iTrustCapital offers more than 75 crypto assets.

Against other crypto IRA companies, iTrust Capital stands out as the strongest on our roundup of The Best Crypto IRAs of July 2025. Here’s a closer look at how iTrust compares to competitors BitcoinIRA and BitIRA.

Feature	iTrustCapital	BitcoinIRA	BitIRA
Types of IRAs	Traditional, Roth, SEP	Traditional, Roth, SEP, SIMPLE, 401(k)	Traditional, Roth, SEP
Supported cryptos	75+(BTC, ETH, SOL, XRP, DOGE, SHIB, DOT, and more)	75+ (including BTC, ETH, SOL, and more)	17 (BTC, ETH, BCH, LINK, and more)
Transaction fees	1%	2%	1 – 3% per transaction (spread-based)
Minimum investment	$1,000	$1,000	$5,000

How we rated iTrustCapital

We designed LendEDU’s editorial rating system to help readers find companies that offer the best gold and silver IRAs. Our system awards higher ratings to companies with affordable solutions, positive customer reviews, and online transparency of benefits and terms.

We compared iTrustCapital to several precious metals companies, using hundreds of data points from company websites, public disclosures, customer reviews, and direct communication with company representatives. We weighted, scored, and combined each factor to produce a final editorial rating. This rating is expressed on a scale from 1 to 5, with 5 being the highest possible score.