iTrustCapital Review: Low Cost Crypto IRA Investment

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It has not always been easy to invest in cryptocurrencies within a retirement account. For starters, the IRS has several rules about what investments are even eligible for IRAs. And finding a platform that makes crypto IRA investing affordable also has its challenges.

Fortunately, iTrustCapital simplifies the entire process. It is a beginner solution that allows you to invest in more than 25 cryptos within your retirement account. And with some of the lowest rates in the industry, it’s one of our favorite options.

But some competitors may be better options depending on your investment goals. Our iTrustCapital review covers how the platform works, as well as its pros and cons to help you make the best decision.

Commissions and fees – 9

Supported cryptos – 6

Ease of use – 8

Other Investments – 6

Security – 9



iTrustCapital is a digital asset IRA platform that allows you to invest in more than 25 popular cryptocurrencies, as well as gold and silver. Low crypto trading fees and no setup or maintenance fees are pluses for this platform. But you don’t get as much of a crypto selection as some of the competition.

Get started with iTrustCapital

pros cons


  • No monthly management fees
  • A low 1% crypto trading fee
  • Easy account setup process


  • Supports fewer cryptocurrencies than some competitors
  • Supports fewer alternative asset classes than some competitors

About iTrustCapital

iTrustCapital LogoiTrustCapital is a digital asset IRA platform that started in 2018. It allows you to invest in more than 25 popular cryptocurrencies, as well as physical gold and silver. Since its inception, the company has transacted more than $4.5 billion and has become one of the most popular self-directed IRA options for crypto enthusiasts.

With iTrustCapital, you can trade popular cryptocurrencies 24/7 right from your account dashboard; no need for external exchanges or complex trading tools. And with low and transparent pricing, it’s no surprise that iTrustCapital is a leader in this crowded niche space.

Who is iTrustCapital for?

If you want a profitable way to invest in cryptocurrencies with your IRA, then iTrustCapital is for you. It is one of the lowest fee self-directed IRA investment options on the market. And while it only supports around 30 coins, there is enough selection for you to add the top cryptocurrencies to your portfolio.

What we like about iTrust Capital

The main reason to use iTrustCapital is its low fees. Furthermore, the platform supports all major cryptocurrencies and is also very easy to use.

Cryptocurrencies available

You can invest in more than 25 cryptocurrencies with iTrustCapital, including:

This is enough of a selection for you to add top cryptos to your retirement account. Though you don’t get as much altcoin selection as with exchanges like Coinbase and Gemini. Also, stablecoins like USDC and USDT are missing.

low rates

One of the main advantages of iTrustCapital is that it charges low and simple fees. There is no monthly maintenance fee and you only pay 1% for cryptocurrency transaction fees.

This is the same pricing structure that competitor Alto CryptoIRA uses, and is basically the lowest in the industry. Many self-directed crypto IRA investment options charge setup fees and ongoing monthly fees, so don’t take iTrustCapital’s low-fee model for granted.

Easy account setup process

Setting up an iTrustCapital account only takes a few minutes. Once you select your IRA type, you choose how you’re funding your account and how much you want to contribute. Currently, it is compatible with Roth, Traditional, and SEP IRAs.

From there, it takes one to three business days for iTrustCapital to review and open your account.

By comparison, competitors like Rocket Dollar can take a few weeks to get up and running. This is because Rocket Dollar establishes an LLC on your behalf to open up more investment options. This is a more flexible, but more complex approach, while iTrustCapital makes things simpler.

Where iTrustCapital could improve

Despite its low fees and ease of use, there are two main drawbacks to using iTrustCapital to invest in your IRA.

Major Crypto Expansion

You get the top cryptocurrencies with iTrustCapital, but there are still less than 30 cryptos. On the other hand, competitors like Alto allow you to invest in more than 175 cryptocurrencies. And leading crypto exchanges like Binance and Coinbase support hundreds of cryptos.

More alternative asset classes

Another advantage of iTrustCapital is that it allows you to invest in physical gold and silver in addition to cryptocurrencies. However, other alternative IRA investment platforms offer even more asset classes for you to explore.

For example, both Alto IRA and Rocket Dollar allow you to invest in assets such as:

Different offers have various investment requirements and fees, and some options are only open to accredited investors. But having more investment options is still an area where iTrustCapital can improve.

Rates and limits

You pay no monthly account management fees or setup fees with iTrustCapital. The main fee is a 1% cryptocurrency transaction fee that you pay each time you buy or sell assets. You also pay different gold and silver transaction fees if you invest in precious metals.

Account opening process

You create an iTrustCapital account by entering your name, phone number, email and password. Once you confirm your email, you can finish filling out your application and choose the type of IRA you want to invest in. You also select a funding method, which can be check, wire transfer, or ACH, and then select a payee.

Since iTrustCapital follows Know Your Customer (KYC) requirements, you need to verify your identity to start investing. Verification takes one to three business days, after which you can start using your account.

Keep in mind that cash contributions take about a week to deposit and IRA transfers take between one and two weeks. And an employer plan rollover can take three to four weeks to complete.

How to contact iTrustCapital

You can contact iTrustCapital customer support using their contact page on their website. There is also a helpful FAQ section that you can check out. Customer service is also available by phone at 562-600-8437, Monday through Friday, 8 am to 4 pm PST.

security security

An advantage of iTrustCapital is that it works with base of coins as its custodian. This means that most of your crypto is kept safely in cold storage. You also benefit from Coinbase’s insurance policy that protects against theft, cybercrime, and hacking. Fireblocks, which provides additional security for digital currency transactions, is also a partner.

The downside of iTrustCapital is that you cannot store assets in your own crypto wallet like Ledger or Trezor. This is to keep your investments in compliance with the IRS, but it means you have to relinquish control. However, iTrustCapital is still a safe way to invest in digital assets through an IRA.

Better alternatives

We believe that iTrustCapital is one of the best IRA crypto investment options. However, it lags behind some competitors like Alto in terms of investment selection. And some other alternatives are also more flexible or provide the opportunity to earn passive income.

High CryptoIRA

With Alto CryptoIRA, you can invest in over 175 cryptocurrencies using a traditional, Roth, or SEP IRA. And just like iTrustCapital, you only pay a 1% crypto exchange fee and don’t pay any monthly account fees or setup fees.

Plus, Alto’s Regular IRA offers even more asset classes for you to invest. This IRA plan costs $10 or $25 per month, depending on your plan, which can still be a small percentage for larger portfolios. But in terms of investing in crypto IRAs, Alto is our favorite choice at the moment due to its extensive crypto support and low fees.

rocket dollar

Rocket Dollar is more expensive than iTrustCapital, costing $15 or $30 per month, depending on your plan. You also pay a setup fee of $360 or $600. The upside, however, is that Rocket Dollar invests your money through an LLC, which opens up more types of investments. Also, you can bring your own deal to Rocket Dollar if there is an asset you want to invest in.

For basic crypto IRA investment, Rocket Dollar is not worth it. But if you want as much flexibility as possible, it’s one of the best alternative asset investment platforms for your IRA.

Bitcoin IRA

Bitcoin IRA is one of the most popular iTrustCapital alternatives that is known for its ease of use. The platform allows you to invest in more than 60 cryptocurrencies and has a minimum investment of $3,000.

The main drawback is that it charges a 5.99% setup fee, a 2% trading fee, and a 0.08% monthly management fee. This is more than double the price of iTrustCapital, and a 5.99% setup fee is steep.

However, one selling point is the Bitcoin IRA Earn program. This program allows you to earn interest on the cash and crypto in your accounts, with APYs up to 6% depending on the asset.

Bottom line

In recent years, several companies have appeared that allow you to invest in digital assets or other alternative assets within a retirement account. However, many of these companies charge high setup fees and ongoing monthly fees. Also, many companies are complex and can take weeks to create your account.

But with iTrustCapital, you get a simple, low-cost solution to investing in crypto for retirement. If you want more crypto selection, we still recommend High CryptoIRA. However, iTrustCapital is safe, easy to use, and affordable, making it still a great option for crypto enthusiasts.

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