Crypto IRA fees compared by custodian
Crypto IRA fees for the 9 tracked custodians span 1% to 2% per trade, with Public quoting at least 1.25%. While iTrustCapital, Coin IRA and Fidelity Crypto IRA skip account fees, the rest charge them, and opening minimums vary from none to $5,000.
Every row shows a first-year dollar cost at $10,000 and at $50,000, since monthly account fees can end up costing more than a low trading fee. Use the crypto IRA comparison to calculate the cost for your own balance.
Crypto IRA fees by custodian
We sort rows by the lowest first-year cost when the balance is $10,000. Listed last is Public, whose published minimum trading fee of 1.25% prevents an exact cost ranking. "Not published" means the custodian does not state that fee.
Scroll the table sideways to see account fees, minimums, staking, custody, and sources.
| Custodian | First year at $10,000 | First year at $50,000 | Trading fee | Account fee | Setup fee | Spread | Minimum | Coins | Staking | 401(k) rollovers | Custody | Status | Source |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
 | $100 | $500 | 1% | $0 | $0 | Not published | Not published | 4 | Not published | Yes | Fidelity Digital Assets | Active | Fee page |
 | $100 | $500 | 1% | $0 | $0 | Not published | $1,000 | 100+ listed | Yes | Yes | Outside custody partners | Active | Fee page |
 | $125 | $625 | 1.25% to buy, 1% to sell | $0 | $0 | Not published | $5,000 | 17 | No | Yes | Ledger Enterprise cold storage | Active | Fee page |
 1 | $200 | $600 | 1% | $100 a year | $0 | None added | $500 cash balance | 20+ | Not published | Yes | Bitstamp, mostly offline | Active | Fee page |
 | $340 | $740 | 1% | 0.02% a month, at least $20 a month | $0 | Not published | No minimum | Bitcoin only | No | Yes | Equity Trust | Active | Fee page |
 2 | $389 | $1,245 | 1.49% (tiered) | 0.0833% a month, at least $20 a month | $0 | Not published | No minimum | 23 | Not published | Yes | Kingdom Trust | Active | Fee page |
 3 | $400 | $1,000 | 1.5% | $250 a year | $0 | Not published | $2,000 | Bitcoin only | No | Yes | Your own multisig keys; Fortis Bank | Active | Fee page |
| BitcoinIRA4 | $440 | $1,480 | 2% | 0.08% a month, at least $20 a month | $0 | Built into the price | $1,000 | 100+ | Yes | Yes | Trust company; BitGo multisig wallets | Active | Fee page |
 5 | At least $180 | At least $900 | At least 1.25% | 0.05% a month | Not published | Built into the price | Not published | 40+ listed | Not published | Yes | Alto Trust; coins with zerohash | Product changed | Fee page |
- IRA Financial. IRA Financial notes that trades happen straight on the exchange, adding no spread to the trading fee. Per account, IRA Financial's fee schedule requires a minimum cash balance of $500, while its crypto IRA page reports no minimum balance.
- Choice. Starting at 1.49%, the trading fee drops to 1.25% from $250,000 and to 1% from $500,000. The cold storage plan used here has a $0 setup fee, while the hold-your-own-keys plan charges a $625 setup fee plus $13.33 a month.
- Unchained. You can add Concierge Onboarding ($500) or hardware wallets ($75 each) as optional extras.
- BitcoinIRA. Trading fees and liquidity provider fees like spreads are included in the total purchase price, with no separate spread listed.
- Public. Public's trading fee is 1.25% at minimum and is built into the order, meaning what you actually pay may be more. Trading fees each month offset that month's 0.05% custody fee, covering the first month: buying at $10,000 costs $125, followed by 11 months of $5 custody, totaling $180.
Get the fee table as CSV. Source: in each row, the link goes to the custodian's own page covering fees, pricing, or help. Reusing our cost estimates and table is allowed if you link to the crypto IRA fee table at 401k-Crypto.com; fees themselves belong to the custodian page in each row.
How we work out the first-year cost
Every figure comes from pages owned by the custodian, which the Source column links to. For the first-year cost, we assume you buy coins with the whole balance once, then pay the published account or custody fee for twelve months, with any monthly minimum included. A spread counts only if the custodian publishes it as a figure; if built into the price, it sits inside the shown trading fee. Setup fees are excluded; they have their own column, which shows $0 on the plan displayed whenever the custodian publishes one. Selling, outgoing transfers, and wire fees are also excluded, and no row assumes a price change.
If a custodian does not publish a fee, we keep it "Not published" and never fill it with zero. See the full method on how we compare, and read how we make money to learn how this site earns revenue. These figures are estimates, not advice.
Minimums, coins and crypto IRA staking
Coin IRA has the highest minimum to open at $5,000. Neither Swan nor Choice has a minimum. IRA Financial also has no minimum to open, but each account must hold $500 in cash per its fee schedule, so the table lists $500. No minimum is published by Fidelity Crypto IRA or Public. iTrustCapital and BitcoinIRA offer staking inside the IRA. Staking is not offered by Coin IRA, Swan and Unchained, and the others do not say. Each custodian reports its own coin count, and our review pages show the main coins for each one.
Custodians with changed products
Alto's CryptoIRA now sits at Public; accounts moved between 24 and 27 April 2026, and zerohash holds the crypto now. Public's notice for Alto clients covers the move. So the Alto IRA fees shown here are Public's: each order carries a built-in trading fee of at least 1.25%, custody costs 0.05% a month, and trading fees for that month are credited against it. See what Alto still offers in our Alto IRA review.
IRA Financial (effective 1 January 2026) and Choice (November 2025) are the fee schedules that state their own period. No dates appear on the remaining pages.