iTrustCapital Review

iTrustCapital At A Glance

The score comes from our best Bitcoin and crypto IRA providers ranking, where iTrustCapital places second behind Fidelity Crypto IRA.

How iTrustCapital Works

iTrustCapital opens an IRA in your name, funds it with cash, and lets you buy and sell crypto inside that account through its own web and mobile trading screen. Trades run 24 hours a day, and you never need an outside exchange account or a wallet of your own.

You can fund the IRA three ways:

• a transfer from another IRA, including an in-kind move of crypto from another crypto IRA company
• a rollover from a former employer's 401(k) or 403(b)
• a new cash contribution, up to the IRS yearly limit

The minimum to open is $1,000, and later rollover deposits start at $500, according to iTrustCapital's FAQ. There's no cap on transfers or rollovers.

The company also runs accounts outside an IRA. Its App Store listing describes a Premium Custody Account for regular taxable investing and a Treasury Account for businesses, trusts and nonprofits, according to iTrustCapital's App Store page.

iTrustCapital Fees

iTrustCapital's main cost is the 1% trade fee, charged when you buy and again when you sell. Its fee page lists no setup, monthly, annual, exit, storage or transfer fees.

Here's how that plays out over five years on a $10,000 buy-and-hold account, with a flat price:

A 1% fee is high next to an exchange like Kraken, but no regular exchange account gives you IRA tax treatment. If you only want price exposure to bitcoin, a spot ETF in a brokerage IRA is cheaper still, at roughly $75 to $125 over five years on the same $10,000.

Coins You Can Buy

iTrustCapital lists 90+ cryptocurrencies, including Bitcoin, Ethereum, XRP and Solana, per its App Store listing, and its cryptocurrency page now says 100+. Older reviews, including ours, said 25+, so the list has grown a lot since 2022. Coin lists change, so check the trading screen before you transfer money for a specific token.

You can also buy physical gold and silver. Kitco is iTrustCapital's metals dealer, and the metals are stored at the Royal Canadian Mint, a Crown corporation owned by the Government of Canada, according to iTrustCapital's precious metals page.

Staking

iTrustCapital added Solana staking for crypto IRAs and Premium Custody Accounts in July 2025, according to its press release. Staking rewards land in the account that holds the SOL, paid in SOL. iTrustCapital and its staking provider keep 22% of the rewards, and the rate shown on the platform is already net of that fee, per its fee page.

In October 2025, iTrustCapital and Coinbase Asset Management announced a bitcoin yield strategy for IRAs aimed at accredited investors, with a launch targeted for late 2025, The Block reported. iTrustCapital's website didn't list the product when we checked on Nov. 1, 2026, so ask the company before counting on it.

Custody And Safety

Fortis Bank serves as the qualified custodian for iTrustCapital IRAs, and each IRA client signs a separate IRA agreement with it. The coins themselves sit with Coinbase, Fidelity Digital Assets and Fireblocks, according to iTrustCapital's FAQ. The company assigns the storage provider, so you can't pick one. All three carry commercial crime insurance, but they don't disclose how much it covers.

iTrustCapital describes its setup as a closed loop: money and coins can only move between your iTrustCapital account and accounts in your name, which limits what a thief can do with a stolen login. You can't send coins to a personal wallet while they're inside the IRA. Taking coins out in kind counts as an IRA distribution, which iTrustCapital doesn't charge a transaction fee for, though income tax and early-withdrawal penalties can apply.

In August 2026, on-chain investigator ZachXBT alleged that iTrustCapital and Bitcoin IRA had suffered customer data breaches earlier in the year and hadn't told customers, Protos reported. iTrustCapital denied it on X, saying it had not experienced and wasn't aware of any recent third-party vendor breach affecting its platform. As of Nov. 1, 2026, we found no follow-up statement and no regulatory action against iTrustCapital. You can follow incidents across the industry on our crypto hacks tracker.

Pros And Cons

Pros

• A flat 1% trade fee and no monthly fee keep long-term costs low
• 90+ coins, far more than Fidelity's four
• Coins stored with large, regulated custodians
• SOL staking inside an IRA
• Taxable and business accounts on the same platform

Cons

• $1,000 minimum to open
• You can't hold your own keys or choose the storage provider
• 22% of staking rewards goes to fees, and metals pricing over spot isn't on the public fee page
• A data-breach allegation in 2026 that the company denies

Who iTrustCapital Is Best For

iTrustCapital fits someone who wants to hold coins beyond bitcoin and ether in an IRA, plans to buy and hold for years, and wants a low, predictable fee. It's a weaker fit if you only want bitcoin and ether (Fidelity costs the same with a bigger parent company), if you make many small trades, or if you want control of your own keys.

iTrustCapital Alternatives

• Fidelity Crypto IRA: the same 1% trade fee and $0 account fee, but only four coins, and not available in every state. Visit Fidelity.
• Public Crypto IRA: formerly Alto CryptoIRA, with tiered trade fees that suit small, frequent buys. Read our Public Crypto IRA review.
• Unchained IRA: bitcoin only, but you hold two of the three keys in a multisig setup. Our multisig wallets article explains how that works.
• Rocket Dollar: a checkbook IRA that can buy crypto on an exchange you choose, at a much higher fixed cost. Read our Rocket Dollar review.
• Spot crypto ETFs: the cheapest route if you're fine owning fund shares instead of coins. See our BlackRock bitcoin ETF article.

Risks: What To Watch Out For

• Custodian risk: your coins are only as safe as the companies holding them. The October 2025 shutdown of Fortress Trust, a custodian used by other crypto IRA firms, shows what can happen when one fails.
• No FDIC or SIPC coverage: crypto in an iTrustCapital IRA isn't insured by the FDIC, and it isn't a securities account covered by SIPC.
• Price swings: crypto can lose most of its value, and in a traditional IRA, withdrawals before age 59½ generally owe income tax plus a 10% penalty.
• Phishing: crypto IRA customers are frequent targets of fake emails and texts. Log in only through the app or a saved bookmark.
• Staking risk: staked SOL can be locked for a period before you can sell it, and rewards can change.

FAQ

Is iTrustCapital Legit?

Yes. iTrustCapital has run crypto IRAs since 2018, uses Fortis Bank as custodian and stores coins with Coinbase Custody, Fidelity Digital Assets and Fireblocks. We found no regulatory action against it, though it faced an unconfirmed data-breach allegation in 2026 that it denies.

How Much Does iTrustCapital Cost?

iTrustCapital charges 1% on each crypto trade with no setup, monthly or closing fee. A $10,000 purchase held five years and then sold costs about $200 in fees.

What Is The iTrustCapital Minimum?

You need $1,000 to open an iTrustCapital IRA, according to its FAQ and App Store listing.

Can I Move Crypto Out Of iTrustCapital?

You can transfer the IRA, including its crypto, to another IRA custodian. You can't send coins from the IRA to a personal wallet while they stay in the IRA. Taking them out in kind counts as a distribution, which can trigger tax and penalties.

Does iTrustCapital Offer A Roth IRA?

Yes. iTrustCapital offers Traditional, Roth and SEP IRAs, and you can fund them with contributions, transfers or rollovers. Converting a traditional or SEP IRA to a Roth costs a one-time $75.

Is iTrustCapital Available Outside The US?

No. iTrustCapital's IRAs are US retirement accounts for US taxpayers.