OUR VERDICT
THE ORIGINAL, FULL SERVICE
7.7/10
Bitcoin IRA invented the
category in 2016 and still runs the most hand-held experience: phone support, guided rollovers, 80+ assets, BitGo custody with up to $250M insurance, and an A+ BBB rating. You pay for the white gloves — roughly 2% per trade plus an onboarding fee. Great service; the math favors
cheaper rivals for most.
What it costs
ITEMFEE
Trade fee~2%
OnboardingOne-time fee applies
Minimum$3,000
CustodyBitGo, SOC 2 Type 2
InsuranceUp to $250M (custody-level)
From bitcoinira.com, June 2026 — exact onboarding fee varies; re-verify before publishing.
What the premium buys
A human on the phone who has done ten thousand 401(k) rollovers and will not let you fumble yours. For someone anxious about moving retirement money into an unfamiliar asset class, that guidance has real value — it is the reason this firm has 200,000+ clients.
The insurance headline, decoded
The $250M policy covers custody-level theft — hacks of BitGo’s infrastructure, insider fraud — not market losses, and it is shared across custodied assets, not per account. It is a genuine differentiator; it is not a guarantee of your balance.
The math against it
On a $50,000 rollover, ~2% in plus ~2% out is ~$2,000 versus ~$1,000 at the 1% shops — and iTrustCapital’s support is also human and also good. Pay the premium only if the concierge experience is what gets you across the line.