Educational fee guide only. See disclosures.
Crypto IRA Fees Updated July 2026

iTrustCapital Fees: 1% Crypto Fee, $1,000 Minimum, Metals Costs & Fine Print

iTrustCapital looks simple because it advertises no monthly or annual fees. The real question is whether the 1% crypto transaction fee, metals pricing, minimums, and rollover details fit how you plan to use the account.

Fees

Fast Snapshot

Monthly / annual$0 listed
Crypto trades1%
Minimum open$1,000
Best behaviorBuy & hold
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Bottom Line

iTrustCapital can look low-cost, but trading behavior matters.

A 1% crypto fee may be manageable for occasional buy-and-hold allocation changes. It can become expensive if you trade frequently, rotate between coins, or sell and rebuy during volatility.

On This Page

iTrustCapital Fee Table

These fee details are based on public iTrustCapital pricing and help materials reviewed in July 2026. Fees can change, and precious-metals pricing should always be verified on the live trade screen before confirming an order.

Fee or requirement Publicly described amount Plain-English impact
Monthly fee $0 listed No recurring monthly platform fee, but trading costs still matter.
Annual fee $0 listed No listed annual maintenance fee for normal platform use.
Startup fee $0 listed No listed setup cost on the public pricing page.
Exit fee $0 listed on public pricing Still verify transfer-out, distribution, wire, and third-party costs before leaving.
Crypto buy / sell fee 1% per crypto transaction Buying and selling both create costs. Frequent trading can become expensive.
Minimum initial funding $1,000 Too high for someone who wants to start with only $100 or $200.
Additional cash contribution minimum $500 Applies to additional cash contributions. Transfers and qualified plan rollovers are different.
Conversion fee $75 listed in conversion FAQ Relevant when moving pre-tax IRA funds into Roth IRA treatment. Tax review matters.

How the 1% Crypto Transaction Fee Works

The 1% fee applies when buying or selling crypto. For example, a $5,000 crypto buy implies about $50 in transaction cost. If you later sell that position, the sale creates another transaction cost.

This is why iTrustCapital is usually easier to justify for a buy-and-hold crypto IRA allocation than for active trading. If you move from one crypto asset to another, you may need to sell one asset and buy the other, creating more than one transaction.

Fee Reminder

The account can have no monthly fee and still be expensive if you trade often. Cost depends on behavior, not just the headline fee table.

What You Would Actually Pay: Three Realistic Scenarios

Percentages can hide the real cost. Here is the same 1% crypto transaction fee applied to three common ways people might use a crypto IRA. These examples ignore market movement and spreads so you can isolate the transaction fee.

Investor behavior Activity in year one Approximate iTrustCapital crypto transaction cost
Buy and hold Roll over $20,000, buy crypto once, hold all year. About $200 on the buy. No additional crypto transaction fee until you sell or trade again.
Monthly contributor Contribute $500 per month and buy crypto each time. About $5 per month, or about $60 per year on $6,000 of purchases.
Active rotator $20,000 balance, sell and rebuy into different crypto assets six times. Each round trip can create a sell fee and a buy fee. Six full rotations could cost about $2,400 before considering spreads, timing, or market losses.

The pattern is simple: the platform is more fee-friendly for patient money than restless money. If you know you trade emotionally during volatility, a 1% buy-and-sell model can quietly tax that habit inside your retirement account.

How iTrustCapital Fees Compare to Other Ways to Hold Crypto in Retirement

The right comparison is not just "which crypto IRA is cheapest." It is whether you need a specialty crypto IRA at all. Different structures charge in different ways.

Structure Typical fee pattern to check Who it may favor
iTrustCapital $0 monthly/annual fees listed, 1% per crypto buy or sell, metals fees over spot. Buy-and-hold crypto IRA investors who want supported crypto, gold, and silver in one platform.
Other crypto IRA platforms May use setup fees, monthly fees, custody fees, trading fees, spreads, or minimum-balance requirements. Investors who want more hand-holding, different custody setup, or features iTrustCapital does not offer.
Broader self-directed IRA providers May use annual account fees, setup fees, transaction fees, LLC/checkbook fees, valuation fees, or third-party asset costs. Investors who want assets beyond crypto and metals, such as real estate or private placements.
Spot Bitcoin or Ethereum ETFs in a mainstream IRA Usually an annual fund expense ratio instead of direct coin trading fees. Brokerage commissions and platform availability can vary. Investors who only want big-coin price exposure and do not need direct coin holdings, altcoins, staking, or metals.

Minimums: $1,000 to Open, $500 Additional Cash Contributions

iTrustCapital's help center says the minimum initial contribution to open an account is $1,000. It also says each additional cash contribution has a $500 minimum. That makes the platform less suitable for someone who wants to experiment with very small recurring deposits.

Rollovers and IRA transfers are different from annual cash contributions. iTrustCapital's help center says there is no maximum for IRA transfers or qualified plan rollovers, but old-plan rules and tax rules still matter.

Gold and Silver Costs

iTrustCapital also supports gold and silver, but metals costs are not the same as crypto costs. The pricing page describes precious-metals fees over spot pricing. Before confirming a metals trade, check the live quote, current spot price, fee, and whether the price makes sense compared with other metals IRA options.

iTrustCapital's help center says gold and silver are sourced by Kitco, transactions are ledgered through VaultChain, and the metals are stored at the Royal Canadian Mint. It also says iTrustCapital does not charge a separate storage fee for precious metals while the metals are held in an IRA on the platform. That does not make metals free. The cost still shows up through the metals trade price and fee over spot.

Precious metals inside an IRA can involve eligibility, custody, storage, distribution, spread, and liquidity questions. Do not compare metals costs only by the words "no monthly fee."

Cost Traps to Avoid

  • Trading too often: a 1% fee each way can add up quickly.
  • Ignoring spread: the trade price can matter as much as the listed fee.
  • Overusing crypto in retirement money: low platform fees do not reduce crypto volatility.
  • Forgetting Roth conversion taxes: a $75 conversion fee is not the big issue. The tax treatment is.
  • Comparing to the wrong account: if you only want index funds, a mainstream brokerage IRA may be cheaper and simpler.
  • Not checking exit rules: know how transfers, distributions, and in-kind options work before funding.

The comparison many crypto IRA pages skip: Bitcoin and Ethereum ETFs

If your only goal is Bitcoin or Ethereum price exposure inside a retirement account, you may not need a specialty crypto IRA. Many mainstream brokerage IRAs can hold spot Bitcoin or Ethereum ETFs. Those funds usually charge an annual expense ratio instead of a 1% direct crypto buy/sell fee.

The tradeoff is important: an ETF gives fund exposure, not direct coin ownership. It typically does not give altcoin access, staking, or gold and silver in the same platform. A specialty platform like iTrustCapital makes more sense when you specifically want supported crypto assets, direct platform coin exposure, staking where available, or metals access. For simple long-term Bitcoin exposure only, an ETF inside a mainstream IRA may be simpler and cheaper.

Final Verdict: Are iTrustCapital Fees Good?

iTrustCapital's fee structure can be attractive for someone who wants a focused crypto IRA account, plans to buy and hold, and understands the 1% transaction cost. The lack of monthly and annual fees is useful, but it does not make the platform free.

If your plan is to trade frequently, chase volatility, or rotate between coins, the 1% fee can become a drag. If your plan is a small, intentional crypto or metals allocation inside a retirement account, iTrustCapital is worth comparing against IRA Financial and mainstream brokerage IRA options.

Next Step

Check the live pricing page before opening.

Use iTrustCapital only for a specific crypto or metals IRA goal, not because "$0 monthly fee" sounds like the whole cost story.

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Frequently Asked Questions

iTrustCapital's help center says it does not charge a separate storage fee for precious metals while they are held in an IRA on the platform. The trade cost still matters because metals are bought and sold using pricing over spot. Always check the live quote before confirming an order.
Not always. A spot Bitcoin ETF usually charges an annual expense ratio, while iTrustCapital charges a 1% crypto transaction fee when you buy or sell. For simple long-term Bitcoin exposure, an ETF in a mainstream IRA may be cheaper and simpler. iTrustCapital may make more sense if you want supported direct crypto exposure, altcoins, staking where available, or metals access.
At a 1% crypto transaction fee, a $20,000 crypto buy would cost about $200 in transaction fees. Selling later would create another transaction fee. This example ignores market movement, spreads, and any other account-specific costs.
iTrustCapital publicly describes a 1% transaction fee on cryptocurrency buys and sells. Confirm the current pricing page before trading.
The public pricing page lists $0 monthly and $0 annual fees. That does not remove transaction costs, metals costs, conversion costs, or the investment risk of crypto.
iTrustCapital's help center says the minimum initial contribution to open an account is $1,000, and each additional cash contribution has a $500 minimum.
Not necessarily. A 1% buy fee and 1% sell fee can be costly for frequent trading. The platform is easier to justify for buy-and-hold crypto IRA allocation than short-term trading.
iTrustCapital's conversion FAQ says there is a $75 conversion fee. A Roth conversion can also create tax consequences, so review the tax side before acting.

Related iTrustCapital Research

iTrustCapital Review Crypto IRA Rollover Guide iTrustCapital vs IRA Financial IRA Platform Comparison

Sources and Editorial Notes