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        IRAS/COMPARISON
      

iTrustCapital vs Bitcoin IRA: half the fees or twice the hand-holding

The value leader against the original. Both get real bitcoin into a tax-advantaged account; one charges roughly half as much, the other answers the phone faster.

        BY THE BITCOIN ALMANACK TEAM·UPDATED JUL 2026·8 MIN READ·CONTAINS AFFILIATE LINKS
      

iTrustCapital9.0

BEST OVERALL

Flat 1% per trade, zero account fees, $1,000 minimum, 24/7 trading. The benchmark the category is measured against.

Open an iTrustCapital IRA →

Bitcoin IRA7.7

THE ORIGINAL, FULL SERVICE

Since 2016: guided rollovers, phone support, BitGo custody with up to $250M insurance. You pay for the white gloves.

Open a Bitcoin IRA →

Side by side

            ITRUSTCAPITALBITCOIN IRA
          

Trade fee1%~2%

Setup / monthly fees$0Onboarding fee applies

Minimum$1,000$3,000

CustodyCoinbase Custody · FireblocksBitGo

Published insuranceNot publishedUp to $250M (custody-level)

SupportUS-based humans, goodConcierge, excellent

IRA typesTraditional · Roth · SEP · SIMPLETraditional · Roth · SEP

Fee schedules JUL 2026 — larger rollovers can often negotiate; re-verify before opening. BTC {{ price }}

Category winners

Total cost over any horizonITRUSTCAPITAL

Anxious first rolloverBITCOIN IRA

Published insurance headlineBITCOIN IRA

Simple honest pricingITRUSTCAPITAL

Bitcoin-only disciplineBOTH SELL ALTCOINS — IGNORE THEM

OUR VERDICT

Pick iTrustCapital — on a $50,000 rollover the fee gap is roughly $1,000 round-trip, and its human support is also good. Pick Bitcoin IRA only if maximum hand-holding is what actually gets your rollover done. If you want your own keys instead of either, that’s Unchained.

Common questions

Is the $250M insurance a reason to pay more?

It covers custody-level theft, shared across custodied assets — not market losses, not a balance guarantee. A real differentiator, smaller than the marketing suggests.

Are rollovers taxable?

Trustee-to-trustee transfers and direct rollovers are non-taxable and don’t touch contribution limits. Both platforms shepherd the paperwork.

What about Fidelity’s crypto IRA?

The mainstream third option — $0 fees, ~1% spread, coins next to your 401(k). See the full review.

SCORES AT A GLANCE

iTrustCapital9.0

Bitcoin IRA7.7

Full iTrustCapital review → Full Bitcoin IRA review →

HOW WE TESTED

Accounts opened and test rollovers run on both; every fee schedule read line by line, support response times measured. Our methodology →

Roth or Traditional?

The wrapper choice matters more than the provider. Our tax guide covers the tradeoffs.

Read the tax guide →