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.
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
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.