#46 of 115 in the US ranking · Crypto IRA

BitcoinIRA Review (October 2026): Fees, US States and Licenses

Best for: IRA with 100+ coins

5.7/10

US access 20%9.0
Regulation 20%0.0
Security record 15%8.0
Cost 15%5.0
Range 10%8.6
Popularity 15%3.7
Data quality 5%10.0

By Vahe Hakobyan Verified October 5, 2026 High confidence No affiliate links

Taker fee— Not verified
US states— Not verified
New York— Not verified
Coins100
CustodyQualified-custodian
App Store4.5 ★ · 1.2K

Our verdict

BitcoinIRA, operated by Alternative IRA Services, LLC since 2016, offers crypto IRAs with more than 100 digital assets and a $1,000 minimum. IRA trades cost 2% per buy or sell, and custody costs 0.08% of assets per month with a $20 monthly minimum. Assets are held by Digital Trust, LLC, a Nevada-chartered trust company, using BitGo multi-signature wallets with up to $250 million in custody insurance.

Pros

More than 100 cryptocurrencies available in an IRA
Custody by a Nevada-chartered trust company with BitGo wallets
Supports Traditional, Roth, SEP, SIMPLE and Solo 401(k) accounts

Cons

2% fee on every IRA buy and sell
Monthly custody fee of 0.08%, minimum $20
$300 complete termination fee; 1% in-kind transfer-out fee

BitcoinIRA fees

Maker / taker: — Not verified
Simple buy: 2% per buy or sell in a Crypto IRA; 1% per buy or sell in the non-retirement Freedom Account
ACH deposit: — Not verified
Wire deposit: Free (no setup or deposit fees)
Card purchase: — Not verified
USD withdrawal: ACH $15; outgoing domestic wire $35; check $35; outgoing international wire $50
Crypto withdrawal: In-kind crypto transfer out: 1.00% per asset
Other fees: Crypto IRA custody fee 0.08% of asset value per month ($20 per month minimum); Freedom Account has no monthly custody fee; partial termination $150, complete termination $300; next-day processing $100, same-day $250.
Minimum deposit: $1,000

Is BitcoinIRA available in my state?

Official site (checked Oct 2026) offers crypto IRAs and a non-retirement Freedom Account to US investors, noting that asset availability can vary by state of residence.

The list of states this platform serves is not verified yet.

Asset availability can vary depending on state of residence; no list of excluded states was found.

New York: — Not verified
ID check (KYC): Yes
Withdraw crypto: Yes
Funding: IRA transfer, 401(k) rollover, Wire

Is BitcoinIRA regulated?

US operator: Alternative IRA Services, LLC (d/b/a BitcoinIRA)
Parent company: — Not verified
State licenses: — Not verified
New York license: — Not verified
Other: BitcoinIRA states it is not a bank and not a licensed broker. Custodian is Digital Trust, LLC, a state-chartered trust company licensed by the Nevada Financial Institutions Division; assets are stored in BitGo multi-signature wallets.
Founded: 2016
Headquarters: — Not verified

How secure is BitcoinIRA?

Proof of reserves: — Not verified
Audits: SOC 2 Type 1 (per company security page)
Insurance: Company states custody insurance of up to $250 million against loss, theft and misuse; underwriter not named. Not FDIC-insured.

Incidents since 2019

None found in the sources checked.

Crypto held on a platform is not covered by FDIC or SIPC insurance.

What you can do on BitcoinIRA

Spot
Staking
IRA
Tax documents

Traditional, Roth, SEP, SIMPLE and Solo 401(k) accounts; staking; Bundles (pre-built crypto portfolios); and the Freedom Account for non-retirement investing. Clients do not choose the custody partner.

Apps: Web, iOS
Support: Phone, Help center

BitcoinIRA FAQ

What are BitcoinIRA's fees?

Simple buy: 2% per buy or sell in a Crypto IRA; 1% per buy or sell in the non-retirement Freedom Account.

Is BitcoinIRA regulated in the US?

US customers are served by Alternative IRA Services, LLC (d/b/a BitcoinIRA).

Can I withdraw crypto from BitcoinIRA to my own wallet?

Yes. BitcoinIRA lets US users send crypto to an external wallet.

Does BitcoinIRA require ID verification?

Yes. BitcoinIRA verifies your identity before you can trade.

How many cryptocurrencies can I trade on BitcoinIRA?

About 100 cryptocurrencies are available to US users, per BitcoinIRA's official asset list.

Alternatives to BitcoinIRA

Not financial advice. Crypto prices are volatile and you can lose everything you put in. World-Crypt earns nothing from the platforms reviewed here.