Looking for the best Crypto IRA in 2025? You’re not alone.

As more investors turn to digital assets for long-term growth, Crypto IRAs have become a popular way to gain tax-advantaged exposure to crypto. But with so many options out there, how do you know which one to trust?

We’ve done the homework for you, evaluating the top Crypto IRA providers based on security, fees, available assets, ease of use, and customer satisfaction. From Bitcoin-only specialists to full-service retirement platforms, not all Crypto IRA companies are created equal.

We ranked iTrustCapital as the best overall Crypto IRA for 2025. With a simple interface, transparent 1% trading fee, and institutional-grade custody, it checks all the boxes for both beginners and seasoned investors.

In this guide, we highlight our top 5 picks for the best Crypto IRA platforms in 2025 so you can choose the one that fits your retirement strategy.

The 5 Best Crypto IRA Platforms of 2025

1. iTrustCapital

iTrustCapital leads the pack with its low costs, easy-to-use platform, and award-winning customer service. With a flat 1% trading fee and no monthly or annual account fees, it’s ideal for both casual and active investors looking to diversify their retirement portfolio with crypto.

Security is also a standout. Assets are held with regulated institutional providers such as Coinbase Custody and Fireblocks. The platform has earned more than 9,000 five-star reviews and continues to be one of the highest-rated in the industry.

The company is known for its client-first approach and has earned recognition as an award-winning company for both product excellence and customer service.

Quick Stats:

  • Minimum Investment: $1,000
  • Trading Fees: 1% per trade
  • Account Fees: $0 monthly / $0 annual
  • Assets: 75+ crypto assets, plus gold and silver
  • Custody Partners: Coinbase Custody & Fireblocks
  • Customer Reviews: 5/5 stars on Trustpilot and 4.9/5 stars on Google from over 9,000 reviews total
  • Best For: Investors who want a trusted, affordable platform with easy access to digital assets, best-in-class security, and U.S.-based, award-winning customer service.

Pros:

  • Only 1% transaction fee
  • Best-in-class security with institutional custody by industry leaders
  • 24/7 platform access via desktop and mobile app
  • Live U.S.-based customer service
  • Quick and easy account setup

Cons:

  • Exclusively available in the U.S
  • Does not offer personalized financial advisory services

2. BitIRA

BitIRA takes a security-first approach, with all digital assets stored in fully-insured cold storage through Gemini Trust Company. The company emphasizes compliance and asset protection, appealing to risk-conscious investors. However, BitIRA’s higher minimum investment and lack of fee transparency may be drawbacks for smaller or more cost-sensitive users.

The platform supports a smaller asset selection compared to others, but provides educational tools and a news center to help clients stay informed. Its security practices, including multi-factor authentication and end-to-end encryption, are among the most rigorous in the industry.

Quick Stats:

  • Minimum Investment: $5,000
  • Fees: Variable; includes custodial and maintenance fees
  • Assets: 15–20 cryptocurrencies
  • Custody: Gemini
  • Customer Reviews: 4.7/5 from 90+ reviews
  • Best For: Investors focused on maximum asset protection

Pros:

  • Cold storage and encryption
  • Updated news center
  • Regulated custodian

Cons:

  • High minimum investment to start ($5,000)
  • Less fee transparency
  • Limited asset selection

3. Coin IRA

Coin IRA appeals to investors who want exposure to both cryptocurrencies and traditional assets like gold and silver. It takes a more conservative approach to crypto investing, with customer support available to guide users through the IRA process. However, its $20,000 minimum and relatively limited tech features make it better suited for retirees or investors focused on wealth preservation rather than active trading.

Coin IRA functions more like a traditional IRA provider, prioritizing client relationships and manual onboarding. Though it supports a range of digital and physical assets, its small number of customer reviews and dated interface may deter more tech-savvy investors.

Quick Stats:

  • Minimum Investment: $20,000
  • Trading Fees: ~1%–1.25
  • Assets: Crypto + gold & silver
  • Customer Reviews: 3/5 from 3 reviews
  • Best For: Retirees or conservative investors

Pros:

  • Client support
  • Option to invest in precious metals
  • Easy onboarding

Cons:

  • Minimal and poor customer reviews
  • High investment minimum
  • Fewer modern trading tools
  • Less transparent pricing

4. BlockTrust IRA

BlockTrust IRA markets itself as the first AI-powered Crypto IRA platform, offering smart, algorithm-based asset management. Investors can choose between self-directed or AI-managed portfolios, with the latter dynamically adjusting based on market signals. It’s a compelling option for those seeking a tech-forward approach, though the platform remains relatively new compared to industry veterans.

The dual structure (self-directed vs. AI-managed) allows flexibility depending on how hands-on you want to be. While its AI features may appeal to forward-thinking investors, those who prefer human advisory or proven track records may hesitate.

Quick Stats:

  • Minimum Investment: $1,000 for self-directed accounts; $25,000 for AI-managed accounts
  • Fees: 0.14% per trade for AI-managed accounts; 0.40% (buy) and 0.50% (sell) for self-directed accounts; $250 annual custodial fee for self-directed
  • Assets: 40+ cryptocurrencies
  • Custody: sFOX
  • Customer Reviews: 4.7/5 from over 90 reviews
  • Best For: Investors focused on maximum asset protection and algorithm-driven portfolio management

Pros:

  • Low trading fees and no monthly maintenance charges
  • A range of cryptocurrencies
  • High-security measures

Cons:

  • Higher entry point
  • Unproven A.I investment tools
  • Limited track record compared to more established IRA providers

5. Alto CryptoIRA

Alto is one of the most accessible Crypto IRA platforms, requiring only $10 to start. It offers more than 250 cryptocurrencies, giving users a broad range of options not typically found on more restrictive platforms. Alto integrates with Coinbase for custody, providing trusted security for asset storage.

While its low barrier to entry is a plus, Alto’s account fees and lack of strong customer support are potential drawbacks. Still, for investors looking to dip their toes into crypto retirement investing without committing a large sum, it’s an easy and flexible entry point.

Quick Stats:

  • Minimum Investment: $10
  • Trading Fees: 1%
  • Account Fees: $37.50-$100.00 per quarter
  • Assets: 250+ cryptocurrencies
  • Custody: Coinbase
  • Customer Reviews: 4.2/5 from 1,200+
  • Best For: Investors who want access to a wide range of coins

Pros:

  • Low minimum to start
  • Large asset selection

Cons:

  • Lots of account fees
  • Limited customer service support

Final Thoughts

Crypto is no longer a fringe investment. It’s becoming an increasingly common part of retirement portfolios, and Crypto IRAs are one of the most tax-efficient ways to hold digital assets long-term.

Of all the platforms reviewed, iTrustCapital delivers the strongest overall value with its low fees, institutional-grade security, robust asset selection, and outstanding customer satisfaction. For those looking to take crypto seriously in their retirement strategy, it remains the top choice for 2025.

That said, every investor’s needs are different. Whether you’re focused on security, asset variety, or simplicity, there’s a Crypto IRA platform suited to your long-term goals.