Bitcoin: love it or hate it, it’s not going anywhere anytime soon. While its volatility attracts a lot of skepticism, there is undeniable growth potential, even in your retirement account.
Want to add Bitcoin to your retirement strategy? A Bitcoin IRA lets you hold cryptocurrencies over the long run, similar to a regular IRA account. Bitcoin IRAs are best for investors who believe in the longevity of cryptocurrencies and already have a well-diversified retirement plan.
The best bitcoin IRAs are evaluated by comparing them to other similar IRA platforms. These top-rated platforms are industry leaders who excel in security measures and trustworthiness, customer support, and a competitive selection of cryptocurrencies.
Open a bitcoin IRA with BitcoinIRA and earn a $150 reward. Available for IRA Rollovers, Roth, SEP, Employer Plan 401(k)s and new or existing Traditional IRAs.
Earn a $150 bonus when signing up
$1,000
0.99% – 1.99% one-time deposit fee, 2.00% transaction fee, and a 0.08% security fee billed monthly
Traditional IRA, Roth IRA, Solo 401(k), Solo 401(k) Roth, SEP IRA, and Simple IRA
$150 bonus when signing up
BitcoinIRA is an industry-leading crypto IRA platform with an education-forward approach. It supports 24/7 trading of 75+ cryptocurrencies, including bitcoin, ether, litecoin, cash, and digital gold.
BitcoinIRA requires a $1,000 minimum to open an account.
You can set up an account in minutes for access to secure cold wallet storage, 256-bit encrypted SSL trading, and up to $250 million of digital asset insurance.
BitcoinIRA covers support services for retirement fund rollovers and lets you roll over funds from various retirement plans, 403bs or 401(k)s. With a tax-advantaged BitcoinIRA account, you’ll get offline cold-wallet storage, a library of educational content, and a mobile trading dashboard.
Customer support is available by phone or email Monday through Friday from 9 a.m. to 5 p.m. PT.
BitcoinIRA has a rating of 4.4/5 on the Apple Store and 4.3/5 on Google Play.
Pros of BitcoinIRA
Cons of BitcoinIRA
BitcoinIRA review
BitIRA BitIRA is another popular IRA option for investors looking to add bitcoin and other altcoins to their retirement portfolio. It supports 17 cryptocurrencies.
BitIRA heavily prioritizes security and is equipped with multi-encryption, end-to-end insurance coverage, and offline storage for digital assets. Additionally, the platform provides $100 million in custody insurance to shield you against theft, destruction, or loss.
There’s a $5,000 minimum to open an account. BitIRA’s custodian is Equity Trust Company.
Pros of BitIRA
Cons of BitIRA
Alto Solutions offers its AltoCryptoIRA account. It provides 250+ cryptocurrencies and other alternative investment options, including fine art, startups, real estate, private equity, and more.
Alto utilizes hot and cold storage and is integrated with Coinbase to access the Coinbase Exchange.
Trading with Alto offers tax-free cryptocurrency trading, market and limit orders, and 24/7 trading access. Alto IRAs are available as self-directed traditional or Roth IRAs.
Alto Solutions is not a BBB-accredited business but has a high A+ trustworthiness score. Customer support is available via phone or email from 6 a.m. to 3 p.m. PT during the workweek.
Alto CryptoIRA has a rating of 1.9/5 on the Apple Store and 4.1/5 on Google Play.
Pros of Alto
Cons of Alto
CoinIRA CoinIRA is a low-cost cryptocurrency IRA company focusing on customer education and ensuring a positive investor experience.
The platform provides traders with consultants who can assist with crypto-related questions. It also offers a free crypto IRA guide about tax benefits, crypto retirement savings, inflation hedging, and more.
CoinIRA requires a $5,000 minimum starting investment, which is fairly high, but there are no start-up and maintenance fees or subsequent deposit requirements. There are no maximum purchase limits either.
Cryptocurrencies are stored in cold-wallet storage. You can also invest in precious metals through CoinIRA, which can be traded in a no-cost Digital Asset account or a separate Precious Metals IRA.
Equity Trust is CoinIRA’s custodian for all Coin IRA accounts. It has complete control of users’ digital assets.
Customer support is available via phone and email from 8 a.m. to 5 p.m. Monday through Friday. Saturday and Sunday assistance is available by appointment.
Pros of CoinIRA
Cons of CoinIRA
iTrustCapital iTrustCapital offers dozens of cryptocurrencies for traders interested in building long-term wealth through a bitcoin IRA. This affordable crypto IRA platform offers traders low-fee gold, silver, and other precious metals to diversify their portfolios further.
You won’t be charged a monthly, AUM, or broker fee. However, the platform does charge a 1% flat fee per transaction. There’s a minimum $1,000 to open an account.
You can fund your account using various methods, including IRA transfers (iTrustCapital supports traditional, Roth, SEP, and SIMPLE IRAs) and employer plan rollovers (available for 401(k)s, 403(b)s, thrift savings plans, and 457 plans).
iTrustCapital is partnered with third-party custodian Fortis Bank. Although the platform is not BBB-accredited, it does have an A- rating in trustworthiness.
iTrustCapital has a rating of 3.6/5 on the Apple Store and 4.1/5 on Google Play.
Pros of iTrustCapital
Cons of iTrustCapital
Definition of the best cryptocurrency IRAs and how Bitcoin IRAs work.
Bitcoin IRAs are individual retirement arrangements that invest primarily in top-performing cryptocurrencies, like Bitcoin and Ethereum. These accounts are a type of self-directed IRA that offers greater investment flexibility for high-risk, alternative investors seeking greater portfolio diversification.
Bitcoin IRAs have the same contribution limits, withdrawal rules, and tax advantages as traditional and Roth IRAs. However, they pose significantly more risk because cryptocurrencies are extremely volatile in the market.
A Bitcoin IRA can be an alluring investment option for those who want to avoid capital gains taxes while building wealth. You’d be subject to capital gains taxes for regular crypto transactions without an IRA. But self-directed IRAs eliminate those extra costs (or at least defer them).
Adding bitcoin to your retirement portfolio can further diversify your holdings and mitigate risk. Cryptocurrencies can also hedge against inflation, similar to other alternative investment options. Plus, the possibility of higher returns makes crypto investment alluring despite the significant volatility and risk of investing in decentralized currencies.
When choosing the best Bitcoin IRA company, consider:
Bitcoin IRAs are a good idea for cryptocurrency enthusiasts who are also retirement-focused. If you believe that cryptocurrencies, like bitcoin, will have a long-term value that can help you build wealth in the long run, you’re a good fit for a bitcoin IRA.
A bitcoin IRA can be risky due to the volatile nature of cryptocurrencies. Although volatile to the market, traditional assets like stocks and bonds are more closely regulated and do not fluctuate nearly as much as crypto. With a bitcoin IRA, there is a higher chance that your assets will drop in price or value.
Bitcoin IRA is the overall best IRA for crypto. Bitcoin IRA is a robust trading platform for investors to build retirement savings with top-performing cryptocurrencies like Bitcoin and Ethereum. However, there are other good bitcoin IRA options like BitIRA and CoinIRA.
Using Business Insider’s rating methodology for investing platforms, we researched numerous bitcoin IRAs to find the best options for cryptocurrency selection, fees, security, features, and more. Investment apps are given a rating between 1 and 5.
On the fee side, we paid close attention to account minimums and account setup fees/advisory fees. We also considered customer service availability when narrowing down platforms.
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Best Bitcoin IRAs of April 2025 – Business Insider
