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Bitcoin IRAs

Hold Bitcoin inside a tax-advantaged retirement account — fees, custody models, rollovers, and how to choose a provider.

COMPARISON GUIDE

Compare the top 5 Bitcoin IRA providers

iTrustCapital, Bitcoin IRA, Swan, Unchained, and Alto — fees, custody, minimums, and who each is best for.

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Understand Bitcoin IRAs

Key questions

What is the difference between a Traditional and Roth Bitcoin IRA?

In a Traditional IRA, contributions may be tax-deductible and gains grow tax-deferred until withdrawal. In a Roth, contributions are after-tax but all future growth is tax-free.

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How much does a Bitcoin IRA cost?

Fees vary widely. Some charge 1% per trade with no monthly fees; others charge 2% plus ongoing custody fees. Compare total cost of ownership, not just the headline rate.

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Can I roll over my 401(k) into a Bitcoin IRA?

Yes. A direct rollover is tax-free and penalty-free. Most providers handle the paperwork. The process typically takes 1–3 weeks.

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