Bitcoin IRA
5 Best Bitcoin IRA Companies (June 2025)
Securities.io maintains rigorous editorial standards and may receive compensation from reviewed links. We are not a registered investment adviser and this is not investment advice. Please view our affiliate disclosure.
As cryptocurrency gains more and more traction in the mainstream investment world, so too does the number of opportunities you have to invest in the space. Bitcoin and crypto IRAs are becoming an increasingly popular option for longer-term investments with some great platforms and accounts available.
Here we will look at exactly how a Bitcoin IRA works alongside some of the top companies offering these kinds of accounts to match up with your retirement plan investment needs.
The Basic of A Bitcoin IRA: How it All Works
Before investing or even choosing a company to open your Bitcoin IRA account with, it is important to get to know how the whole thing works. This is particularly true given that traditional IRAs are typically very conservative in nature, and something you will most likely want to see steady returns from for your retirement.
These are all self-directed IRAs and you will find that many focus on Bitcoin though there are some other accounts available if you are interested in the other major coins such as Ethereum. Typically you may also encounter several fees when dealing with a Bitcoin IRA account. These can include monthly maintenance fees, holding fees, and some other fees related to asset purchase and transfer that you may otherwise avoid with a traditional IRA.
In a sign of becoming increasingly mainstream, Bitcoin IRAs are still subjected to the same limitations in regard to contribution that you will have with a regular IRA, and they are also regulated in similar fashion in respect of being taxable for Capital Gains, and tradable only during standard market hours and not 24/7. Despite conforming to these regulations that may not always be the case, there are many excellent Bitcoin IRAs to choose from.
Top Bitcoin IRAs
With a solid grounding in what to expect from your Bitcoin IRA, here are 5 of the best on offer in the industry:
1. BitIRA
BitIRA is one of the best choices if you are seeking a secure place to hold your Bitcoin IRA. This is due to the fact that the company also provides secure cold storage services to ensure your investment stays completely safe until your retirement. Beyond this excellent security support you can bank on BitIRA as a top choice of major cryptocurrencies including Bitcoin, Ethereum, Litecoin, and more.
Besides the premium level security, there are a few other things that BitIRA does very well. They make sure you are provided with a top-class education section to keep you in the know about everything related to your account and trading while they also offer dedicated and knowledgeable customer support throughout. All of this alongside the big plus that BitIRA has $3.75 million FDIC insurance on cash holdings and dollar-for-dollar insurance on crypto holdings
In all, this means that you can have full confidence in the security of the company and its traditional or Roth IRA account offerings above all else. The minimum trading amount starts at $5,000 and fees are determined on an account by account basis that will require contact with the BitIRA team for more information.
2. Bitcoin IRA
Bitcoin IRA offers one of the most user-friendly services and all-around solutions if you want to open a highly secure Bitcoin IRA or one in a range of other major cryptocurrencies. You will find an extremely transparent provider of self-directed IRAs with the backing BitGO Trust for completely secure digital assets trading on-chain that is insured for up to $100 million for complete peace of mind.
Another standout point from Bitcoin IRA is the ease of trading and access to the platform. It is available around the clock and also accessible from your mobile as well as your computer for live trading opportunities.
Your fees at Bitcoin IRA are also conveniently rolled into one which covers everything and can be discussed with their registration team at sign-up. This means no ongoing fees and two great account options with one starting at just a $100 minimum deposit and the same monthly contribution amount.
3. iTrust Capital
iTrustCapital is one of the most trusted and user-friendly platforms for setting up a self-directed crypto or precious metals IRA. Their transparent process and intuitive interface make it easy for investors to buy and sell cryptocurrencies and physical assets like gold and silver—within a tax-advantaged retirement account.
You can invest in over 75 cryptocurrencies, including Bitcoin, Ethereum, and Cardano, and physical gold or silver backed by real vault storage. Crypto assets are held with institutional-grade security via Coinbase Custody, and Fireblocks, while gold and silver are stored at the Royal Canadian Mint and tracked using blockchain technology (VaultChain™). Trading is available 24/7, allowing investors to react to market opportunities instantly.
iTrustCapital supports Traditional, Roth, and SEP IRAs. Opening an account requires a minimum of $1,000, and additional contributions start at $500. Fees include a 1% crypto trade fee, $75 over spot for gold, and $3.25 over spot for silver. There are no monthly or annual maintenance fees.
In addition to its robust feature set, iTrustCapital is an award-winning platform, recognized for its innovation, ease of use, and leadership in the self-directed retirement space. Clients also benefit from an award-winning U.S.-based customer service team, known for providing timely and knowledgeable support from real people, not bots.
With no ongoing account fees, secure custody solutions, and a wide selection of digital and physical assets, iTrustCapital is a top choice for investors seeking long-term exposure to alternative assets in a retirement vehicle.
4. MyDigitalMoney
MyDigitalMoney is a platform offering a Self-Directed Crypto IRA for secure digital asset investment. It features tax-advantaged trading, military-grade security, and US-based support. Assets are safely held in trust by Equity Trust, ensuring full ownership and protection of users' crypto investments.
The platform supports trading in popular cryptocurrencies like Bitcoin, Ethereum, and Litecoin, among others, in a tax-advantaged IRA to maximize returns. MyDigitalMoney also provides a standard trading account for flexible investments, both featuring no monthly fees and military-grade cold storage for security.
Focused on customer success and community, MyDigitalMoney offers a user-friendly experience for both long-term wealth building and mid-term savings goals, promoting the ethical and accessible investment in digital assets.
5. Coin IRA
Coin IRA, founded in 2017, is a top provider of cryptocurrency and precious metals IRAs. The company offers Traditional, Roth, SEP, SIMPLE, and Inherited IRAs, as well as individual non-IRA accounts—all free to open and maintain, with no startup or annual fees.
Their easy-to-use self-trading platform allows users to buy and sell 18 cryptocurrencies, including Bitcoin, Ethereum, and XRP, along with gold, silver, and platinum—all in whole or fractional amounts. Trading is available 22 hours a day, seven days a week.
Coin IRA uses Equity Trust Company as custodian, bringing 50 years of financial services experience and $65 billion in assets under custody. All digital assets are stored offline using secure Ledger Enterprise cold storage and are held directly in the client’s name.
With a low $5,000 minimum investment and competitive transaction fees (1.25% buy, 1% sell), Coin IRA combines accessibility, security, and flexibility—making it a strong choice for retirement investors exploring digital assets.
Summary
Investing in a Bitcoin IRA allows individuals to include cryptocurrencies in their retirement portfolios, combining the growth potential of digital assets with the tax advantages of an IRA. When choosing a Bitcoin IRA provider, consider factors such as security, ease of use, fees, and customer support. The top companies in this space offer robust security features, user-friendly platforms, competitive fee structures, and excellent customer service, ensuring a seamless investment experience for those looking to diversify their retirement savings with cryptocurrencies.
