Personal Finance Crypto iTrustCapital Review (2026): Is It the Best Crypto IRA for Bitcoin and Ethereum? 2 people contribute to this content Written by Marc Guberti, CFPC® Written by Marc Guberti, CFPC® Expertise: Investing, precious metals, debt, home equity, personal finance, banking, business financing, tax relief, mortgages, student loans Marc Guberti is a Certified Personal Finance Counselor® and a freelance writer who specializes in investing, loans, personal finance, banking, business financing, and other finance topics. He regularly shares his analysis of stocks and financial products with his readers. Learn more about Marc Guberti, CFPC® Edited by Kristen Barrett, MAT Edited by Kristen Barrett, MAT Expertise: Student loans, mortgages, personal loans, home equity, investing Kristen Barrett is a managing editor at LendEDU. She lives in Cincinnati, Ohio, with her wife and their three senior rescue dogs. She has edited and written personal finance content since 2015. Learn more about Kristen Barrett, MAT Written by Marc Guberti, CFPC® Written by Marc Guberti, CFPC® Expertise: Investing, precious metals, debt, home equity, personal finance, banking, business financing, tax relief, mortgages, student loans Marc Guberti is a Certified Personal Finance Counselor® and a freelance writer who specializes in investing, loans, personal finance, banking, business financing, and other finance topics. He regularly shares his analysis of stocks and financial products with his readers. Learn more about Marc Guberti, CFPC® Edited by Kristen Barrett, MAT Edited by Kristen Barrett, MAT Expertise: Student loans, mortgages, personal loans, home equity, investing Kristen Barrett is a managing editor at LendEDU. She lives in Cincinnati, Ohio, with her wife and their three senior rescue dogs. She has edited and written personal finance content since 2015. Learn more about Kristen Barrett, MAT show more Feb 09, 2026 Best for Crypto and Metals Visit Site LendEDU’s take: iTrustCapital is a great way to buy cryptocurrencies and precious metals in your self-directed IRA. Its simplicity and low fee structure make it a fantastic choice for beginners. Self-Directed IRA Buy and sell in 90+ 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 Invest inCrypto, gold, silverInvestment minimum$1,000Annual fee1% transaction fee1% fee applies to the purchase and sale of crypto; precious metal fees vary iTrustCapital is a self-directed crypto IRA platform that allows investors to buy and sell more than 90 cryptocurrencies, including bitcoin and ethereum, inside a tax-advantaged retirement account. Unlike most crypto IRA providers, it also supports physical gold and silver, all without monthly maintenance or setup fees. In this iTrustCapital review, we break down how the platform works, what it costs, how it compares to other crypto IRA providers like BitcoinIRA and IRA Financial, and who it’s best for. While iTrustCapital offers strong pricing transparency and asset selection, it won’t be the right fit for investors who want access to stocks, bonds, or active advisory services. 24/7 crypto & metals trading inside your IRA with iTrustCapital Read Review View Site Buy and sell over 90 cryptocurrencies in a tax-advantaged IRA1 Average FICO Score 8 increase for MAGNUM 10000 account holders after 12 months of on-time payments. All accounts opened in 2021 with 12 or more months of account activity. No credit score increase is guaranteed. Individual results will vary based on other factors including other credit and collection accounts. 1% crypto transaction fee with no monthly or setup fees 24/7 access for crypto, gold, and silver Only $1,000 needed to open an account Supports rollovers plus Traditional, Roth, and SEP IRAs Table of Contents Is iTrustCapital legit? What does iTrustCapital offer? Costs and fees Customer reviews How iTrustCapital compares to other crypto IRA providers Pros and cons How to open and fund an account Is iTrustCapital worth it? Is iTrustCapital legit and safe? Yes. iTrustCapital is a legitimate crypto IRA provider founded in 2018 with more than 250,000 funded accounts. It holds an A+ rating from the Better Business Bureau and earns consistently strong reviews across Trustpilot and Google. Accounts are administered through a regulated, state-chartered trust company, and iTrustCapital handles required IRS reporting and custodial compliance. The platform also uses two-factor authentication and standard encryption safeguards to protect user data. Our verdict: iTrustCapital is a legitimate and generally safe option for investors who want self-directed crypto exposure inside an IRA, as long as they understand the risks of cryptocurrency investing. What does iTrustCapital offer? iTrustCapital is built for investors who want alternative assets, not traditional stocks and bonds, inside a retirement account. What Is a Self-Directed IRA, and How Does It Work? Crypto investing Crypto is iTrustCapital’s core product. Investors get 24/7 access to more than 90 cryptocurrencies, including: Bitcoin (BTC) Ethereum (ETH) Solana (SOL) XRP Dogecoin (DOGE) Shiba Inu (SHIB) Polkadot (DOT) Most crypto IRA providers limit investors to bitcoin and a handful of large-cap assets. iTrustCapital’s broader selection is one of its biggest differentiators. There are no setup or monthly account fees. Instead, iTrustCapital charges a 1% transaction fee on every crypto buy and sell. Examples: Buy $10,000 of BTC → $100 fee Sell $15,000 of ETH → $150 fee This fee structure is lower and more transparent than many competitors. Is Now a Good Time to Buy Bitcoin? Gold and silver investing iTrustCapital also allows investors to buy and sell physical gold and silver inside an IRA. Metals are stored securely and tracked digitally, meaning investors don’t need to manage storage themselves. Gold: $125 over spot per ounce Silver: $10 over spot per ounce (buys), $5 over spot (sells) Today’s gold price: $3,345.20 Today’s silver price: $36.57 While these flat fees can be competitive for larger transactions, smaller trades may be more expensive than percentage-based pricing elsewhere. Is Now a Good Time to Buy Gold? Costs and fees iTrustCapital does not charge: Setup fees Monthly maintenance fees Storage fees You will pay: 1% per crypto transaction Flat per-ounce premiums on gold and silver trades Compared to other top-rated crypto IRA providers, iTrustCapital is one of the more transparent and affordable options, especially for active traders. Customer reviews and reputation PlatformRatingNumber of reviewsTrustpilot5.0/58KBetter Business Bureau (BBB)4.7/5100Google4.9/55KCollected on February 5, 2026. Common praise: Helpful, responsive customer service Easy-to-use trading platform Clear pricing with no surprise fees Common complaints: Occasional delays with distributions Frustration during high-volume trading periods Limited investment options outside crypto and metals Notably, iTrustCapital actively responds to many negative reviews, which helps reinforce its credibility. The company earns an A+ rating on BBB, but it is not BBB-accredited. How iTrustCapital compares to other crypto IRA providers Here’s how iTrustCapital stacks up against three other great crypto IRA options: Buy Cryptos and Metals View Site View Site Investment Minimum $1,000 Transaction Fees 1% Supported Cryptos 90+ Investable Assets Crypto, gold, silver View Site 1% fee applies to the purchase and sale of crypto; precious metal fees vary Including crypto Roth IRAs Great Asset Selection Visit Site Visit Site Investment Minimum None Transaction Fees Yes Supported Cryptos 45+ Investable Assets Real estate, crypto, precious metals Visit Site Fees differ by account type Plus private businesses and private lending Enhanced Security Features Read Review Read Review Investment Minimum $1,000 Transaction Fees 2% Supported Cryptos 80+ Investable Assets Crypto Read Review No Setup or Ongoing Fees Read Review Read Review Investment Minimum $5,000 Transaction Fees 1% – 3% Supported Cryptos 17 Investable Assets Crypto Read Review Per transaction (spread-based) iTrustCapital vs. IRA Financial iTrustCapital: Best for hands-on, self-directed crypto trading with low, transparent fees IRA Financial: Best for investors who want checkbook control and LLC-based IRA structures IRA Financial offers greater customization and control, along with more asset classes, but it requires greater involvement and often higher costs. iTrustCapital is simpler and more accessible for most investors. iTrustCapital vs. BitcoinIRA iTrustCapital offers lower fees and more supported cryptocurrencies BitcoinIRA provides more guided onboarding and education BitcoinIRA charges higher transaction and account fees. iTrustCapital is better for cost-conscious investors who prefer self-service. Read our BitcoinIRA review. iTrustCapital vs. BitIRA iTrustCapital supports far more cryptocurrencies BitIRA may appeal to conservative crypto investors who want limited exposure BitIRA has higher minimums and fewer assets. Pros and cons of iTrustCapital Pros Buy and sell 90+ cryptocurrencies inside an IRA No setup or monthly maintenance fees Competitive, transparent transaction pricing Supports Traditional, Roth, and SEP IRAs Also offers gold and silver exposure Cons No stocks, bonds, or mutual funds $1,000 minimum deposit required No personalized investment advice How to open and fund an iTrustCapital account Opening an account is 100% online and typically takes minutes. You can open: Traditional IRA Roth IRA SEP IRA Funding options include: IRA transfers 401(k), 403(b), TSP, or 457 rollovers ACH cash contributions (U.S. dollars only) Rollovers usually take five to 15 business days, depending on the current custodian. Withdrawals and distributions Withdrawals require submitting a distribution request through iTrustCapital’s support system. After signing the required documents, distributions typically take seven to 14 business days to process. As with all IRAs, early withdrawals may trigger taxes and penalties depending on your age and account type. Is iTrustCapital worth it in 2026? iTrustCapital is a strong choice for investors who want direct crypto exposure inside a tax-advantaged retirement account without paying ongoing account fees. Its wide crypto selection and transparent pricing make it one of the most accessible crypto IRA platforms available. However, it’s not ideal if you want traditional investments, professional management, or maximum customization. Investors who want LLC-based control or broader asset access may prefer IRA Financial or other self-directed IRA providers. Bottom line: iTrustCapital is best for confident, self-directed investors who want to actively trade crypto in an IRA with minimal fees and friction. About our contributors Written by Marc Guberti, CFPC® Marc Guberti is a Certified Personal Finance Counselor® and a freelance writer who specializes in investing, loans, personal finance, banking, business financing, and other finance topics. He regularly shares his analysis of stocks and financial products with his readers. Edited by Kristen Barrett, MAT Kristen Barrett is a managing editor at LendEDU. She lives in Cincinnati, Ohio, with her wife and their three senior rescue dogs. She has edited and written personal finance content since 2015.