Fidelity Crypto IRA vs iTrustCapital: keep it at your broker or go dedicated

Fidelity puts bitcoin inside the same login as your 401(k) rollover. iTrustCapital is a dedicated crypto IRA platform with more coins, a flat 1% fee, and no account minimum. Both are legitimate — the right one depends on where you already bank.

        BY RAFAEL ORTIZ·UPDATED JUL 2026·7 MIN READ·NOT TAX ADVICE
      

Fidelity Crypto IRA8.9

KEEP IT AT YOUR BROKER

1% spread, $0 flat fees, no account minimum, custodied by Fidelity Digital Assets.

Read full review →

iTrustCapital9.0

SIMPLEST HONEST DEAL

1% flat trade fee, $1,000 minimum, custodied via Coinbase Custody and Fireblocks.

Read full review →

Side by side

            FIDELITYITRUSTCAPITAL
          

Fee structure~1% spread1% flat per trade

Account minimumNone$1,000

CustodianFidelity Digital AssetsCoinbase Custody · Fireblocks

One-login integrationYes, if you bank with FidelitySeparate platform

Asset varietyLimited to a few coinsBroader crypto selection

Verified JUL 2026. BTC {{ price }}

OUR VERDICT

Pick Fidelity Crypto IRA if you already have retirement accounts there and want everything in one login with no minimum. Pick iTrustCapital if you want a dedicated platform with more coin variety and are comfortable meeting the $1,000 minimum.

Common questions

Can I roll over an existing 401(k) into either?

Yes — both support standard IRA rollovers. Fidelity is often simpler if your existing 401(k) is already at Fidelity. See our bitcoin tax guide for the rollover mechanics.

Does either offer self-custody?

No — both are custodial IRA structures. If self-custody inside an IRA matters to you, see Unchained IRA instead.