iTrustCapital is best for crypto IRAs
While iTrustCapital offers precious metals investing, we think it’s best for crypto IRAs for three reasons:
- It offers a solid lineup of available cryptocurrencies.
- Its 1% crypto trade fee is on par with much of the competition.
- Gold has a high premium of $75 over spot.
What we like about iTrustCapital
Quick setup
It does not take long to begin trading. Your new iTrustCapital IRA account can be ready in as little as one business day after you submit your online application. The company’s non-commissioned, US-based team will help get you set up without any high-pressure sales tactics or up-selling.
Premium Custody Account option
Not everyone needs an IRA account, so iTrustCapital has an option for that, too.
Its Premium Custody Account (PCA) is a non-IRA option for the long-term investor. This taxable account allows users to buy and sell cryptocurrency while benefiting from increased security and custody protections. You can skip the annual contribution limits associated with iTrustCapital IRA accounts, and there is no account fee, so you can focus on growing your earnings without interference.
Versatile
iTrustCapital welcomes several types of IRA accounts, including TSP, 403(b) and 457 plans, that you can roll over or create anew.
Investors have a choice of cryptocurrency and precious metals with 24/7 trading available for extra convenience. Precious metals include investment-grade gold and silver that are physically held at the Royal Canadian Mint for greater peace of mind.
Emphasis on security
iTrustCapital uses Fortis Bank as a Qualified Custodian to hold its digital assets, and its digital asset institutional storage partners include Coinbase Custody, Fidelity Digital Assets and Fireblocks. Commercial crime insurance policies are in place as a further precaution.
Other security measures include offline cold storage and Multi-Party Computation (MPC). It has external firms that regularly conduct security and financial audits, and it has been awarded several SOC 2 Type II certifications over the years.
Where iTrustCapital falls short
Limited investments
Unlike traditional brokerage accounts, iTrustCapital does not offer stocks or bonds to its customers. Instead, it exclusively offers cryptocurrency, gold and silver and specializes in IRAs. If you are an investor looking to diversify your portfolio, you may be served better by a platform with more varied investment options.
Not an exchange
Unlike popular brokerages like Robinhood and Coinbase, iTrustCapital is not a crypto exchange.
So, what is iTrustCapital exactly? It is a software platform investors can use to buy and sell precious metals and cryptocurrency in an IRA. It does not serve as a custodian, nor a licensed broker or detailer, and it is not regulated as one. All investor assets are held For the Benefit Of (FBO) its clients 1:1 off-balance sheet.
No choice in custodial partner
As an iTrustCapital investor, you do not get to choose your custodian. Instead, it is chosen for you from one of the two main IRA custodians that iTrustCapital works with, including iTrust Custodial Services and Fortis Bank. For non-IRA accounts, third-party US-based custodians serve your account in accordance with the iTrustCapital Terms of Service.
iTrustCapital’s fees
iTrustCapital has made a name for itself as an affordable investing platform with its few fees. There are no monthly or annual fees, no startup fees and no storage fees. You will not pay any transfer, withdrawal or exit fees, either.
| Account setup fee | $0 |
| Annual account fee | $0 |
| Storage fee | $0 |
| Transfer fee | $0 |
| Withdrawal fee | $0 |
| Minimum investment | $1,000 |
| Cryptocurrency transactions | 1% |
| Physical Gold | $75 over spot per ounce |
| Physical Silver | $3.25 over spot per ounce |
iTrustCapital’s coins and products
In addition to gold and silver, iTrustCapital crypto offerings include bitcoin (BTC), ether (ETH), XRP (XRP) and 70 other cryptos. Crypto i available for 24/7 trading in your IRA.
Is iTrustCapital legit?
iTrustCapital is a legitimate investing platform. Founded in 2018, iTrustCapital has worked quickly to amass $12 billion in transactions and currently holds over 200,000 accounts.
It prioritizes customer security with several enhanced security measures and protocols designed to protect your digital assets, such as cold storage and multi-part computations. It also works with several leading providers in the industry to secure and store your assets.
Though it is not a bank, it offers commercial crime insurance through its institutional storage providers, Coinbase Custody, Fidelity Digital Assets and Fireblocks.
iTrustCapital customer experience
| BBB accredited | No |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 1.8 out of 5 stars, based on 5 customer reviews |
| Trustpilot score | 4.9 out of 5 stars, based on 5,389 customer reviews |
| Apple App Store Score | 4 out of 5 stars, based on 52 customer reviews |
| Google Play Score | 3.6 out of 5 stars, based on 44 customer reviews |
| Customer reviews verified as of | 29 April 2025 |
What do people on Reddit say?
This platform is incredibly popular with Reddit investors in their iTrustCapital reviews. Users seem generally happy about their experiences, and many feel like the self-directed IRA is a fantastic addition to their portfolios. Some complain the crypto fees are too high, but most praise the platform’s transparency, ease of use and customer service.
Compare iTrustCapital to other platforms
- Choose from a variety of self-directed retirement account options
- Invest in alternative assets like real estate, crypto, private businesses and more
- Take advantage of tax benefits to grow your retirement savings
- Free gold IRA investor kit
- Buyback guarantee your metals at the highest price
- Open a qualifying gold IRA & get up to 10% in free Silver when you invest $100,000 or more
- No monthly or annual fees and low cost transactions
- Fully backed by physical gold and silver
- Get $200 for each funded referral, and they’ll receive $100 too
Paid non-client promotion. Finder does not invest money with providers on this page. If a brand is a referral partner, we’re paid when you click or tap through to, open an account with or provide your contact information to the provider. Partnerships are not a recommendation for you to invest with any one company. Learn more about how we make money.
Finder is not an advisor or brokerage service. Information on this page is for educational purposes only and not a recommendation to invest with any one company, trade specific stocks or fund specific investments. All editorial opinions are our own.
Frequently asked questions
Is iTrustCapital FDIC-insured?
No, iTrustCapital is not FDIC-insured because it is not a bank. However, its storage partners do carry commercial crime insurance.
How long has iTrustCapital been in business?
iTrustCapital has been in business since 2018.
Who is the custodian for iTrustCapital?
The custodian for iTrustCapital is Fortis Bank.
