Fees & Services

America’s #1 Crypto IRA Platform

BitcoinIRA’s pricing is straightforward, transparent, and designed to support a professionally managed, security-first platform, with zero setup or deposit fees.

Industry Leading Platform Services

BitcoinIRA is the world’s first, largest and most trusted digital asset IRA company that allows clients to purchase cryptocurrencies and other digital assets for their retirement accounts. We provide the following industry-leading platform services:

Complete IRA Setup
Seamless IRA account setup including hassle-free funding
Robust Security
Military-grade security3 integrated with industry leading cryptocurrency wallet providers
Comprehensive Insurance Policy
Our custody partner offers up to $250M in insurance4
Custodial Technical Integrations
Proprietary integrations and maintenance with our leading custodian to enable proper custody of your assets
Dedicated Phone Support
A full team of in-house specialists available for you
Secure Transaction Execution
Secure trading provided by third-party licensed liquidity providers

Custodial Service Fees

Transaction & Transfer Fees

Fee Description Amount Notes
Outgoing Domestic Wire
$35
Per wire
Outgoing International Wire
$50
Per wire
ACH
$15
Electronic transfers for amounts less than $10,000. Typically received within 3-5 business days
Check
$35
Standard issue check
Cashier’s Check
$50
Certified bank check
Overnight Mail
$35
Expedited physical mail delivery
State Tax Withholding
$35
Per distribution or withdrawal
In-Kind Crypto Transfer Out
1.00%
Per asset, of the units being transferred
Partial Termination
$150
Applies to outgoing funds when less than 50% of the account value is distributed or transferred
Complete Termination
$300
Full account closure

Processing & Expedited Service Fees

Fee Description Amount Notes
Next-Day Processing
$100
Rush processing, requests must be received prior to 2:00p PST in good order
Same-Day Processing
$250
Highest priority, requests must be received prior to 10:00a PST in good order
Special Handling
$100
Custom requests requiring manual intervention

Administrative & Account Maintenance Fees

Fee Description Amount Notes
Duplicate Statements
$50
Per request
IRS Form Facilitation/Preparation Fee
$100
Per request, for IRS-related documentation
Corrective Reporting Fee
$250
For amended or corrected tax filings
Legal Action Fee
$150
Per hour, for document production related to subpoenas or legal proceedings
Late Payment or Processing
$25
Per request or month. For overdue payments or processing requests received after custodian deadline
Credit Card Decline or Chargeback
$50
Per incident

401(k) Plan-Specific Fees

Fee Description Amount Notes
Loan Setup Fee (401k)
$225
Per loan
Loan Default Fee (401k)
$150
If loan defaults
Plan Amendment Fee (401k)
$150
For plan document changes

Conversion & Asset Re-Registration Fees

Fee Description Amount Notes
Roth Conversion or Recharacterization
$100
Recharacterizations may only be in cash and are irreversible. Roth conversions may not be recharacterized
Re-Registration
$75
Ownership change or asset retitling. Any re-registration fees charged by third-parties will be additionally assessed. $75 re-registration fee applies to each asset

Fees are subject to change with written notice. Visit bitcoinira.com/legal_digital-asset-investments_fee-disclosure for more info.

  1. The Total Purchase Price includes all trading fees as well as all applicable liquidity provider fees, such as exchange fees, spreads, commissions, rebates, taxes, and any third-party or market-related charges. Prices are not locked until confirmation and may fluctuate due to market conditions.
  2. Minimum Monthly Fee for all accounts $20 per month. No Monthly Fee charged to Freedom Accounts.
  3. Security may vary based on asset chosen and custody solution available.
  4. Insurance may vary based on asset chosen and custody solution available.
  5. Recharacterizations may only be in cash. Roth conversions may not be recharacterized.

Crypto IRA FAQs

Transaction fees depend on your account type:

  • Crypto IRA: 2% per buy or sell ($2 fee on a $100 transaction).

  • Freedom Account: 1% per buy or sell ($1 fee on a $100 transaction).

No. Account setup and cash deposits are completely $0 for all account types.

  • Crypto IRA: 0.08% per month of your asset value, with a $20/month minimum across all linked accounts.

  • Freedom Account: $0 (no monthly custody fee).

  • Domestic Outgoing Wire: $35

  • International Outgoing Wire: $50