What iTrustCapital Is and Who It's For
This iTrustCapital review is for you if you want crypto, precious metals, stocks, or ETFs inside a retirement account and want to see what it costs before you sign up.
iTrustCapital is a company based in Irvine, California. It runs a self-directed crypto IRA: you choose the assets and place the trades yourself.
The platform also offers Q, a suite of AI-formulated automated crypto trading strategies that buy and sell cryptocurrency based on predefined rules as market conditions change. Clients choose which strategy to activate and how much to allocate.
The company calls itself a fintech software platform for traditional and alternative assets. By its own disclosure, it is not an exchange, funding portal, custodian, trust company, licensed broker, dealer, broker-dealer, investment adviser, or investment manager.
The platform is open to U.S. residents who are at least 18 and have eligible income. You need $1,000 for your first contribution.
If IRAs are new to you, start with our IRA guide.
How the iTrustCapital Crypto IRA Works
Here's how getting started works.
Open your IRA
Choose a Traditional, Roth, or SEP IRA and fill in your details. The account has to be in your own name.
Fund it
Send cash by ACH or wire, roll over a workplace plan, or transfer an IRA you hold somewhere else.
Secure your login
Set up two-factor authentication. iTrustCapital recommends an authenticator app over SMS.
Pick your assets
Buy crypto, physical metals, or stocks and ETFs.
One funding rule to know before you start: you can't move crypto you already hold on an exchange or in a wallet into an IRA. IRS rules don't allow it. Crypto can only come in through an in-kind transfer from another crypto IRA.
Account Types
iTrustCapital offers three IRA types for your own retirement savings. It also takes inherited IRAs by transfer and has two taxable accounts.
- Traditional IRA, Roth IRA, and SEP IRA. These are the core retirement accounts.
- Premium Custody Account. A taxable account outside the IRA rules.
- Treasury Account. A taxable account for businesses, trusts, non-profits, and other entities.
Rollovers and Transfers
You can roll over money from a 401(k), 403(b), TSP, or other qualified plan, and you can transfer an IRA from another provider. A rollover takes 5 to 15 business days in most cases, and sometimes 3 to 4 weeks.
If you already hold a crypto IRA elsewhere, you can move it in kind, without selling, as long as iTrustCapital supports those assets.
Roth Conversions
You can convert a Traditional IRA to a Roth IRA on the platform. Each conversion costs $75, charged to the card on file, and takes around 1 to 3 business days.
If you're starting a Roth from scratch, our guide on how to open a Roth IRA covers the basics.
iTrustCapital Fees
There's no fee for having the account. Here are the fees as listed on iTrustCapital's own pages on October 16, 2026.
| Fee | What you pay |
|---|---|
Account setup, monthly, and annual fees | $0 |
Buying or selling crypto | 1% per transaction |
Stocks and ETFs | Zero commission |
Gold, silver, and platinum | $125, $6, and $160 per ounce over spot (gold, silver, platinum), as listed on October 16, 2026 |
Roth conversion | $75 per conversion |
Minimum initial contribution | $1,000 |
Additional deposits (rollovers, transfers, contributions) | $500 minimum |
Transfer out to another custodian (cash sent by wire) | $15 wire fee |
The metals premiums are listed on iTrustCapital's Gold IRA page and can change, so check them before you buy. The company's Gold IRA page also lists no setup fees, no storage charges, and no yearly maintenance costs.
Crypto prices come from iTrustCapital's liquidity providers, not from an exchange order book. The spread can differ from exchange prices, especially when markets move fast.
Worked Example: What $5,000 of Crypto Costs
Say you roll over a 401(k) and put $5,000 into Bitcoin. Here's what you pay in fees.
| What you do | Fee |
|---|---|
Buy $5,000 of crypto | $50 (1%) |
Sell $5,000 of crypto later | $50 (1%) |
Keep the account open for a year | $0 |
Total | $100, plus any spread in the price |
The fee is a flat percentage, so it grows with the size of your trade.
If you trade often, the fee on both sides adds up. If you buy and hold, it matters less, and you pay nothing to keep the account open.
What You Can Invest In
Crypto
iTrustCapital lists over 100 digital assets, including BTC, ETH, XRP, SOL, ADA, DOGE, LINK, and LTC. Some are available only in an IRA, not in the Premium Custody Account.
Stablecoins with Rewards
You can hold the stablecoins USDC and RLUSD in an IRA or a Premium Custody Account and earn rewards on them.
Physical Gold, Silver, and Platinum
Kitco sources the metals, and they're stored as large bullion bars at the Royal Canadian Mint. Your holding is recorded on the blockchain through DirectReserve, and you own it 1:1 by the ounce.
Your metal is allocated to you, but it isn't kept in a separate vault. The company's Gold IRA page lists 24/7 real-time spot pricing.
If you're weighing metal you own by the ounce against a fund that tracks gold, read our comparison of gold ETFs vs physical gold.
Stocks and ETFs
You can trade 10,000+ stocks and ETFs with zero commission. Stock and ETF trading is made available to self-directed customers through APEX Clearing Corporation, a member of FINRA and SIPC, by completing a brief onboarding process to open a brokerage account.
Trading follows regular U.S. market hours: 9:30 AM to 4:00 PM ET, Monday to Friday, with no extended hours.
Custody and Security
If you're asking whether iTrustCapital is legit, start with who holds your money.
Who Holds Your Assets
iTrustCapital leverages regulated bank and trust partners, and institutional crypto storage providers, to secure assets. All iTrustCapital client assets are held For the Benefit Of (FBO) its clients 1:1 off-balance sheet. Through their Qualified Custodian, Fortis Bank, iTrust Custodial Services utilizes proprietary technology to custody digital assets, working with some of the most respected names in crypto for digital asset institutional storage, including Coinbase Custody, Fidelity Digital Assets, and Fireblocks.
How Your Login Is Protected
- Two-factor authentication by SMS or an authenticator app. Support can switch you to the app on request.
- Security questions on your account.
- A Service PIN, which support uses to verify you before account changes.
Platform Features
24/7 Crypto Trading
Crypto trades around the clock, weekends included.
Conditional Transactions
Conditional Transactions let you set a trigger price above or below the market. When the asset reaches it, the platform submits a market order, so they work like a stop or a price trigger, not like a limit order. The execution price is not guaranteed, as iTrustCapital's help center explains (April 2026).
Q Automated Trading Strategies
Q by iTrustCapital offers AI-formulated automated trading strategies designed to help grow your crypto portfolio over the long term. Each strategy follows predefined rules to automatically buy and sell cryptocurrency as market conditions change. You choose which strategy to activate and how much to allocate. Available strategies include Quantum, which trades Bitcoin (BTC), Ethereum (ETH), XRP, Solana (SOL), and Chainlink (LINK), along with individual strategies for cryptocurrencies like BTC and XRP.
Learn more about Q by iTrustCapital.
Staking ETH and SOL
You can stake ETH and SOL inside your retirement account or Premium Custody Account. Rewards are paid out when you unstake.
Apps
You can use the web dashboard or the iTrustCapital: Buy Crypto 24/7 app on iOS and Android. On the App Store, the iOS app holds a 4.2 rating from 161 ratings (October 16, 2026).
Customer Support
Phone support runs Monday to Friday, 7 AM to 5 PM PT. New clients call (562) 600-8399, tech support is at (213) 558-4174, and existing clients find their number under Get Support in the dashboard.
There's also a help center with 136 articles and a request form. The company says its support team is 100% U.S.-based.
On Trustpilot, iTrustCapital has a 5.0 rating from 9,806 reviews (October 16, 2026). Recent reviews name individual support staff and praise how security issues were handled, and the company replies to reviews.
Taxes and IRA Rules
iTrustCapital gives no tax advice. Its help center does list the IRS rules that apply to your account.
| Account | Contribution limit for 2026 |
|---|---|
Traditional or Roth IRA, under 50 | $7,500 |
Traditional or Roth IRA, 50 or older | $8,600 |
SEP IRA | Up to $72,000, or roughly 25% of adjusted gross income |
These are the IRS limits for 2026, as quoted in iTrustCapital's help center.
Traditional IRAs come with required minimum distributions (RMDs) from age 73, and the administrator sends you a notice each year. Roth IRAs have no RMDs.
Early withdrawals before age 59 1/2 are taxed as ordinary income plus a 10% additional tax, with some IRS exceptions. Roth accounts have their own timing rules, and our guide on when you can withdraw from a Roth IRA goes through them.
You can take distributions in kind. Ask for an in-kind distribution of Bitcoin, for example, and iTrustCapital sends the Bitcoin to your personal wallet.
You can't take a loan against your iTrustCapital IRA. Borrowing from a workplace plan follows its own rules, covered in our guide to 401(k) loans.
Who iTrustCapital Suits and Who It Doesn't
iTrustCapital fits you if:
- You want crypto inside a Traditional, Roth, or SEP IRA and you're comfortable making your own decisions.
- You're rolling over a 401(k), 403(b), or TSP and want crypto or physical metals in the mix.
- You hold a crypto IRA somewhere else and want to move the coins in kind, without selling.
- You plan to buy and hold, so having no account fees matters more to you than the trading fee.
- You want access to automated crypto trading strategies that can buy and sell crypto for you.
You should look elsewhere if:
- You trade crypto often. At 1% on every buy and every sell, frequent trading gets expensive.
- You have less than $1,000 to start.
- You want mutual funds, extended-hours stock trading, or an API for bots and trackers.
- You live outside the United States, or you want an account for a child.
- You want someone to manage your money for you. iTrustCapital gives no investment advice.
Frequently Asked Questions
Is iTrustCapital legit?
Yes, iTrustCapital is a legitimate fintech platform offering access to cryptocurrencies, stocks, ETFs, and precious metals through self-directed retirement and non-retirement accounts.
With over 300,000 accounts and more than $18 billion in transactions processed as of October 16, 2026, iTrustCapital has established itself as a provider of alternative and traditional investment options. The company also has thousands of positive customer reviews on Trustpilot.
What are iTrustCapital's fees?
There are no setup, monthly, or annual account fees. Crypto costs 1% per transaction on both buys and sells, and stocks and ETFs trade with zero commission.
A Roth conversion costs $75, metals carry a per-ounce premium over spot ($125 for gold, $6 for silver, and $160 for platinum), and the minimum initial contribution is $1,000.
Can I open an iTrustCapital Roth IRA?
Yes. You can open a new Roth IRA, or convert a Traditional IRA to a Roth for $75 per conversion. Roth IRAs have no required minimum distributions.
Can I move crypto I already own into an iTrustCapital IRA?
Not from an exchange or a personal wallet, because IRS rules don't allow you to fund an IRA with crypto you hold. You can move crypto in kind from another crypto IRA, for the assets iTrustCapital supports. If you hold crypto on an exchange and want to move it to iTrustCapital, you can open a Premium Custody Account.
Can I keep my IRA crypto in my own wallet?
No. IRS rules require a custodian for IRA assets. You can take an in-kind distribution to your personal wallet, and distributions can be taxable events.
Can I buy stocks with iTrustCapital?
Yes. You can trade 10,000+ stocks and ETFs with zero commission. Stock and ETF trading is made available to self-directed customers through APEX Clearing Corporation, a member of FINRA and SIPC, by completing a brief onboarding process to open a brokerage account. Trading runs from 9:30 AM to 4:00 PM ET on weekdays, and mutual funds aren't available.
Who can open an iTrustCapital account?
U.S. residents aged 18 or older with eligible income. iTrustCapital doesn't offer custodial accounts for minors, and its site blocks IP addresses from outside the United States.
Our Verdict on iTrustCapital
iTrustCapital gives you a self-directed crypto IRA with $0 account fees and a 1% fee on each crypto trade. Fortis Bank acts as qualified custodian. It fits you if you plan to hold for years and can live with the risk that digital assets lose value.
Before you open an account, read the risk disclosure above. If you plan to buy gold, silver, or platinum, check the current premiums on itrustcapital.com. When you're set, use the button below to open your account.
Open an account with iTrustCapital