iTrustCapital Review: Fees, Crypto IRA, Stocks, Metals & Rollover Fit

What Is iTrustCapital?

iTrustCapital is a self-directed retirement platform with access to cryptocurrencies, U.S. stocks and ETFs, and precious metals. Its help-center asset list dated August 11, 2026 says more than 90 digital assets are available; because that count changes, check the live asset list for a specific coin. Precious-metals help materials describe gold, silver, and platinum. iTrustCapital itself is not the IRA custodian; its current support materials identify Fortis Bank as the qualified custodian.

Broader asset access does not make the account low-risk. Crypto prices can move sharply, alternative assets can become illiquid, custody arrangements matter, and retirement-account mistakes can create tax problems. Treat the platform as a specialized self-directed option rather than an automatic rollover default.

iTrustCapital Fees and Minimums

iTrustCapital's current help center says there are no monthly or yearly maintenance fees to use the platform. Digital-asset purchases and sales carry a 1% transaction fee. A $5,000 crypto purchase therefore carries about a $50 transaction fee; if the position were later sold at the same $5,000 gross value, the sell would add about another $50, or roughly $100 across the two trades before considering price movement or spread. The minimum to open an IRA is $1,000. Current minimum-balance and rollover help articles state a $500 minimum for additional funding, while the contribution article specifically describes $500 for an additional cash contribution. There is no maximum amount for IRA transfers or qualified-plan rollovers.

The current conversion FAQ lists a $75 fee for an IRA conversion. For distributions or transfer-outs sent by wire, current help materials list a $15 wire fee; ACH distributions are described as having no distribution fee. Precious-metals trading fees are dynamic and should be checked on the live pricing/order screen.

These figures were rechecked against iTrustCapital help materials on November 3, 2026. Always confirm the live pricing page and order preview before funding or placing a trade.

The model is better suited to investors who plan to buy and hold rather than trade frequently. A 1% fee can be reasonable for occasional long-term allocation changes, but it becomes expensive if you trade in and out often.

How iTrustCapital Actually Works Day to Day

iTrustCapital is not a conventional brokerage-only IRA. It combines self-directed crypto, stocks and ETFs, and precious metals inside retirement accounts. The interface may be simpler than older self-directed IRA structures, but the underlying investments can still carry substantial market and liquidity risk.

Crypto custody is institutional, not personal-wallet custody

iTrustCapital's current support materials identify Fortis Bank as the qualified custodian for IRA accounts. Through Fortis Bank, iTrust Custodial Services uses institutional storage providers including Coinbase Custody, Fidelity Digital Assets, and Fireblocks for digital assets. iTrustCapital says client assets are held 1:1 off balance sheet for the benefit of clients.

Important distinction: this does not mean you are self-custodying coins in your own wallet while they remain inside the IRA. iTrustCapital says crypto deposits held with institutional storage providers are never FDIC insured and may lose value. For USD in Crypto IRAs and Premium Custody Accounts, current help materials say cash is held either in FDIC-insured bank deposits or in non-FDIC short-term money market accounts that carry SIPC protection. iTrustCapital itself is not an FDIC-insured institution. Separately, IRA distributions can be requested in-kind to a personal wallet, but distributions may be taxable events.

Gold, silver, and platinum use a shared institutional storage structure

iTrustCapital's current precious-metals help article says gold, silver, and platinum are sourced by Kitco and transactions are recorded through DirectReserve™. The metals are stored at the Royal Canadian Mint in large-bar form. The provider says clients own ounces 1:1; those ounces are allocated to the client but are not held in a separate individual vault. iTrustCapital currently lists no storage fee while the metals remain on-platform. That describes the custody structure, not price safety, so still review live trading fees, spreads, distribution choices, and asset concentration.

Stocks and ETFs launched on August 18, 2026

iTrustCapital announced that thousands of U.S. stocks and ETFs are now available across its Tax-Advantaged IRA and Premium Custody Account. The securities are provided through Apex Clearing Corporation, an SEC-registered broker-dealer and FINRA/SIPC member. Stocks and ETFs trade during standard U.S. market hours, 9:30 a.m. to 4:00 p.m. Eastern Time on trading days, rather than 24/7. Eligible self-directed stock and ETF transactions are described as commission-free.

Supported digital assets can change

The iTrustCapital help-center list dated August 11, 2026 says more than 90 digital assets are available. A later August 18 company launch release used a higher marketing count, so this page does not treat the total as fixed. Check the current supported-asset list before opening an account for a specific coin.

Who iTrustCapital May Fit Best

iTrustCapital may fit investors who have already decided that crypto or precious metals should be part of their retirement strategy and who understand the extra risk. It is not the best starting point for someone who has not yet built a basic diversified retirement plan.

Crypto IRA Risks to Take Seriously

The biggest reason to be careful is not the interface. It is the asset and account risk. Investor.gov warns that crypto-asset investments can be exceptionally risky and volatile, and that self-directed IRAs can involve fraud, high fees, and volatile performance. Investor.gov also notes that self-directed IRA custodians generally do not evaluate the quality or legitimacy of the investments held in the account. Separately, iTrustCapital's custody arrangements do not change the market value of the assets or prevent investment losses.

A crypto IRA can create the feeling that the investment is safer because it sits inside a retirement account. That is not correct. The IRA wrapper changes tax treatment and account structure, but it does not remove crypto volatility, platform risk, custody risk, or investment risk.

Questions to ask before funding

1. What assets are supported today?
2. What is the current transaction fee for crypto trades?
3. What is the current trading cost for gold, silver, and platinum?
4. How are assets custodied?
5. Can I take an in-kind distribution later?
6. What happens if I want to transfer out?
7. How do required minimum distributions work if assets are volatile?
8. Who will review my account type, rollover mechanics, and tax questions with me?
9. What percentage of my retirement money am I willing to expose to crypto volatility?
10. Could a mainstream brokerage IRA be simpler for most of my retirement funds?

iTrustCapital vs IRA Financial vs Mainstream Brokerages

iTrustCapital, IRA Financial, and mainstream brokerages serve different needs. Comparing them as if they are the same type of platform can lead to the wrong decision.

Can You Roll Over a 401(k) to iTrustCapital?

iTrustCapital's current rollover instructions support qualified-plan rollovers from previous employer plans. New accounts select “Employer Plan Rollover,” then receive funding instructions to give the old plan. The old institution may mail the check directly to the receiving custodian or may mail it to you for forwarding. Who receives the envelope is not the key tax distinction—the payee line is. A check payable to the receiving IRA/custodian can still be a direct rollover even if it is mailed to you for forwarding.

IRS guidance says a direct rollover to the receiving plan or IRA is not subject to the mandatory 20% withholding and does not start the 60-day rollover clock. If an eligible taxable employer-plan distribution is instead made payable to you personally, the plan generally must withhold 20%; to roll over the full taxable amount, you generally need to replace the withheld amount from other funds and complete the rollover within 60 days. See direct vs. indirect rollovers, rollover withholding, the 60-day rule, and our IRA rollover tax guide. For a broader pre-move review, see common rollover mistakes. Before starting, confirm the receiving IRA type, exact payee wording, mailing instructions, and whether pre-tax money would remain pre-tax or be converted to Roth.

Before starting a rollover

• Ask your old plan whether you are eligible for a rollover.
• Confirm whether assets will move as cash.
• Confirm the receiving IRA type.
• Ask whether the old plan charges distribution or closing fees.
• Verify iTrustCapital's current funding instructions.
• Keep records of the rollover process for tax reporting.
• Consult a tax professional if Roth, after-tax, inherited, or mixed-basis funds are involved.

Funding, Rollover, and Withdrawal Timelines

Retirement account movements are rarely instant. iTrustCapital's materials describe funding by cash contribution, IRA transfer, and qualified plan rollover. The old custodian or old employer plan often controls the slowest part of the process.

• Qualified-plan rollovers: iTrustCapital's October 15 rollover instructions say they typically take 5–15 business days depending on the sending institution; a separate funding article says some rollovers can take up to 3–4 weeks.
• IRA transfer-outs: the current transfer-out article says ACH cash contributions must remain in the IRA for 30 days after release before those funds can transfer out, and a $15 wire fee is deducted from USD sent to the new custodian.
• In-kind crypto IRA transfers: iTrustCapital says existing Crypto IRA assets from another provider may transfer in-kind without liquidation if supported.
• Cash distributions: iTrustCapital says distributions can take up to 7 to 14 business days after DocuSign is signed, depending on request volume.
• In-kind IRA distributions: iTrustCapital says IRA assets may be distributed in-kind, including crypto to a personal wallet, but distributions and withdrawals may be taxable events.

One more planning issue: because crypto can move sharply, anyone near required minimum distribution age should think ahead about how cash distributions or in-kind distributions would work during a down market.

Gold, Silver, and Platinum Inside iTrustCapital

iTrustCapital currently describes physical gold, silver, and platinum sourced by Kitco. Transactions are recorded through DirectReserve™, and the metals are stored at the Royal Canadian Mint in large-bar form. iTrustCapital says clients own ounces 1:1; the ounces are allocated to the client but not held in a separate individual vault. The platform currently lists no storage fee while metals remain on-platform. This page intentionally does not repeat promotional “guaranteed” language as an investment-safety claim.

Precious metals inside IRAs can involve eligibility rules, custody requirements, storage questions, trading costs, spreads, and distribution issues. If your main goal is physical metals, also compare dedicated Gold IRA education and provider due diligence.

Pros and Cons

Final Verdict

iTrustCapital is worth researching if you specifically want crypto, Bitcoin, stocks/ETFs, or precious-metals exposure inside an IRA and you understand the risk. It is not the best default platform for every rollover investor.

For most people, a mainstream IRA platform can handle the core retirement portfolio more simply. iTrustCapital belongs in the conversation when you already know why you want alternative assets in a retirement account and you are prepared to verify fees, custody, liquidity, volatility, tax consequences, and rollover details.

Frequently Asked Questions