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iTrustCapital Cryptocurrency & Gold IRA

4.8 Stars (7 Reviews)
Updated: January 27, 2023
By: Jeff Smith
Jeff Smith
Sr. Content Manager
As Retirement Living’s senior content manager, Jeff oversees the product and publishing of all retirement, investing, and consumer wellness content on the site. His extensive expertise in brand messaging and creating data-driven stories helps position Retirement Living as a top authority for senior content and community resources.
Sr. Content Manager
Edited By: Lauren Hamer
Lauren Hamer
Sr. Editor
Bringing more than a decade of editorial experience to Retirement Living, Lauren focuses on reporting senior-related issues, including retirement planning, finance, consumer protection, and health and wellness. Lauren has edited consumer content for Credible, Angi, Slickdeals, Jobs for the Future, and more.
Sr. Editor

iTrustCapital is a low-cost investment platform used to buy and sell gold and cryptocurrencies. Clients trade within a retirement account real-time 24/7. iTrustCapital provides a digital wallet and secure storage for investments with a low per-transaction cost.

iTrustCapital Logo

Editorial Breakdown

Investment Options 4.8 Stars
Ease of Application 4.8 Stars
Investment Fees 4.4 Stars
Customer Service 4.7 Stars

Overall Rating 4.7 Stars

Bottom Line

iTrustCapital is an affordable self-trade investment platform used to buy and sell precious metals and cryptocurrencies.

iTrustCapital Review

Buying gold or cryptocurrencies requires knowing IRS tax rules, and transacting either investment is not straight forward. iTrustCapital’s digital asset trading platform simplifies buying and selling cryptocurrencies and gold through a self-directed IRA. The company makes it easier to buy these alternative investments within a tax-advantaged retirement account. iTrustCapital also simplifies the fee structure associated with purchasing and storing gold and keeps overall costs low.

A recent Fidelity Digital Assets survey showed 36% of respondents invest in cryptocurrency, and that percentage is growing. Gold continues to be in demand as well. iTrustCapital eases the way to diversifying a retirement portfolio with these alternative assets.


  • Transparent fees posted on website
  • $1,000 account minimum
  • No account setup fee
  • No storage fees


  • Limited cryptocurrencies available

Bitcoin and other cryptocurrency IRAs are an investment and carry risk. Consumers should be alert to claims that customers can make a lot of money in these or any investment with little risk. As with any investment, you can lose money and past performance is not a guarantee of future performance results. Consumers should also obtain a clear understanding of the fees associated with any investment before agreeing to invest.

Cryptocurrency & Bitcoin from iTrustCapital

iTrustCapital offers six cryptocurrencies for IRA investments. Bitcoin, Ethereum, XRP, LTC and EOS. Each digital currency has its advantages. Bitcoin is the most well-known, EOS works best for large scale applications and LiteCoin has a faster confirmation schedule.

You can discuss the different cryptocurrencies with an iTrustCapital representative if you need help determining which is best in your portfolio.

iTrustCapital Contribution Limits

Nevada. Source: iTrustCapital

Buying Gold with iTrustCapital

Gold orders placed using iTrustCapital are executed through Kitco Metals Inc. Kitco is a premier precious metals retailer and a leading service and device supplier known for refining and analyzing minerals. The company is also involved in high-tech manufacturing processes.

iTrustCapital utilizes Tradewind’s technology for digitizing trading, settlement and ownership of precious metals. Tradewind combines world-class exchange technology with VaultChain blockchain technology tailored for precious metals.

Royal Canadian Mint stores your physical gold, and ownership is digitally recorded. You can visit the storage facility at any time to see your precious metals.

iTrustCapital Investment Choices
Cryptocurrencies Gold
  • Bitcoin
  • Ethereum
  • XRP
  • Bitcoin Cash
  • Litecoin
  • EOS
  • Buy and sell gold 24/7
  • Trades fulfilled by a respected gold dealer
  • Secure storage with Royal Canadian Mint
1% trade fee $50 over spot

How to Set Up an iTrustCapital Account

Start by setting up a free basic account with iTrustCapital on its website. You will be able to see what the platform looks like with this account. Next, schedule a call with a representative for help deciding if you should set up a traditional, SEP or Roth IRA.

Click the “Start Application” button and answer a few questions. You will need to upload a statement from the institution you will use to fund the IRA. You’ll choose a beneficiary, enter your credit card number and look over final documents before completing the application. Funds release to your account seven days after they clear with Sunwest Trust due to IRA regulations. iTrustCapital’s platform has enhanced its account security with two-factor authentication.

iTrustCapital IRA Costs

There are a variety of costs associated with buying gold from a traditional Gold IRA company. iTrustCapital has a simple fee structure for Cryptocurrency and Gold investments. Per-transaction fees are 1% for cryptocurrency transactions or $50 over spot for gold.

These fees cover all costs:

  • Setting up an IRA with iTrustCustodial Services
  • Funding your IRA with a transfer, rollover or cash contribution
  • All tax reporting
  • Unlimited secure institutional storage for gold
  • Costs related to supporting and maintaining the iTrustCapital platform
iTrustCapital Rollover

Nevada. Source: iTrustCapital

iTrustCapital Complaints

iTrustCapital has a Trustpilot score of 4.9 out of 5 stars. Facebook Reviews yields a full 5 stars. The company has no Better Business Bureau rating, but the Business Consumer Alliance gives iTrustCapital its highest AAA rating. ScamAdvisor gives the company a “thumbs-up” trusted rating.

We found no complaints about iTrustCapital, and consumer reviews frequently complimented the company’s helpful and friendly representatives.

iTrustCapital Q&A

  • Can I convert my annuity to an iTrustCapital IRA?

    If you hold your annuity within an IRA, you can transfer it to an iTrustCapital IRA. Otherwise, you can sell the annuity and use the funds to open an account.

  • Can I get a refund if I decide I don’t want an IRA with iTrustCapital?

    Call or email customer support to cancel your iTrustCapital account at any time. Your fees will be refunded if you did not fund the account. If you have a balance, coordinate a transfer with a support representative. You pay nothing after the assets transfer out.

  • How do I know iTrustCapital will not get hacked?

    iTrustCapital uses multiple security measures. Curv is one safeguard. The service provides an institutional-grade virtual wallet built on multiple authentication protocols used by the banking and military sectors.

  • Does iTrustCapital offer investment advice for gold or cryptocurrency?

    An iTrustCapital account includes access to rudimentary price tracking charts. The company also provides a knowledge center with daily updates. These resources are suitable for basic information, but you will probably want to do additional research. iTrustCapital doesn’t provide financial advisors, but you can message or call with questions about your account or the platform.

  • What is the maximum investment on an iTrustCapital IRA?

    iTrustCapital places no cap on investments, but the IRS has limits published each year for IRA contributions. Once you set up your IRA, you can make investment transactions as much as you like. There is no limit on amounts 401(k), IRA, 403(b), TSP and other qualified account rollovers or transfers.


iTrustCapital simplifies investing in gold and cryptocurrency. Clients use the platform every day to buy and sell investments to diversify their retirement portfolios. Using iTrustCapital makes gold and cryptocurrency transactions easy, and the cost is affordable for most people.

7 iTrustCapital Reviews

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1 Star

July 27 2023 1:58AM

I wired over $1000 a week ago and it still hasn’t showed up on my account. I get the runaround every time I call. My bank has confirmed that it was wired successfully. With my other, IRAs, when I wire money shows up the same day.

Ryan R.
Prescott Valley, AZ
1 Star

August 23 2022 1:33AM

Unfortunately I put rolled funds over to iTrust Capital before most of these negative reviews were written. iTrust Capital has a support number to assist new customers in depositing funds but if you want to have the funds distributed, it is almost impossible to get anyone to help.

I made my request over a month ago and still haven't received all of my in-kind tokens or the cash distribution I requested. I have made several calls to the onboarding support team and every time I was told they would get me answers by the end of the day.

Every time I was disappointed with nothing being done. Only after submitting a negative review to the BBB and Trust Pilot, did someone finally contacted me and assured that the process would be escalated.

This Customer Relations representative started to get things moving the first day but again failed to complete the processes after assuring me two times that I would see my funds by the end of the day. Think very carefully about trusting this company with your retirement.

Their Distribution FAQ page states that the process normally take 7-14 day after all documents are received. I recommend starting the process 30-60 days prior to needing the funds. One other thing to note, once you make the request for an in-kind transfer of your crypto, your funds are locked.

In my case the crypto prices have dropped and I will be paying taxes on a value higher than what will be received. At the time there were very few crypto IRA options.

I know now, I should have stuck with a reputable fiduciary. Many when enough negative reviews come in they will learn that it is the existing customers that drives their business not simply getting new customers.

Joseph S.
Barnhart, MO
3 Stars

May 02 2022 11:11PM

They are pretty good considering there’s not many options. However they definitely need to work on a way to get ride of that $30.00 monthly fee. Really adds up. Just found out Choice app has 3 different options for bitcoin IRAs.

One of with has zero fees besides the 1% on trades however I don’t believe that’s in cold storage. The most interesting option one I have seen anywhere else is the option to hold your own keys to your IRA crypto.

That option is 500.00 to get it started and 10 bucks a month after that. Not going to lie I’ll probably take my account elsewhere if the fees don’t drop sometime soon.

Sergei Z.
Spanaway, WA
2 Stars

March 27 2021 3:15PM

Having to pay the $30/month outside your IRA is annoying since it defeats the point of tax free growth. This should be structured to come out of the IRA "cash account" like other IRAs. Initial setup is very very slow, communication is limited and very very slow.

It is hard reaching help as you need to either wait on an email reply (which takes days) or schedule a phone call (which takes days). When you actually speak to someone, they sound extremely new and inexperienced (like you are speaking to a bunch of interns).

Trades are relatively fast and coin selection is good but other than that this place is disappointing. They will thrive for now due to limited competition but I have no intention staying with them.

I'm sure if getting money in was so slow during the honeymoon phase, I'm sure it will be horrible trying to leave. I'd say look elsewhere.

Joe F.
Jacksonville, FL
1 Star

February 23 2021 6:39PM

Charging a monthly fee to have an IRA account is robbery. The day Etrade or TD Ameritrade start trading Bitcoin and Etherium the itrustCapitals of the world will be out of business. They fail to offer the most basic of brokerage services such as limit orders. Truly pathetic!

Patrick M.
Homer Glen, IL
1 Star

February 12 2021 10:31PM

As you have seen with some other reviews, iTrust is not a company that you should trust with your money.

I put in a modest amount to test how they operate (about $2000). It was invested in XRP, which was then shut down and iTrust announced it would stop trading. Fine, I understood. I sold and wanted to withdraw my funds.

It has been over 30 days and iTrust procrastinates, insists on other forms being needed (I sent them two that they asked for) and they don't respond to emails and if you want a phone conversation, well good luck, you won't get one.

I can only imagine if someone actually had substantial investment herein and wanted to use it as part of the retirement, you would be going through the roof. Stay away from this company, don't believe their "pitch", they cannot fulfill the most basic activities of an IRA.

S C.
Detroit, MI
1 Star

February 06 2021 12:56PM

The one and Only reason anyone would do business with this company is because of the lack of alternatives. If you are used to dealing with more established brokerages like Charles Schwab you will find working with iTrust Capital to be frustrating and disappointing.

The whole effort on their part seems lazy and unimpressive. Website, customer signup, dealing with outside brokers customer support, it is all just bad. Customer service, communication skills are severely lacking.

I remember having the sinking feeling that this was a small handful of un-organized people with little technical ability, working out of moms basement. Forms I received with deposit guidelines were several years old.

I was repeatedly asked to email personal, sensitive information that they already had etc.. Wait until you see your portfolio of holdings information on your dashboard. It is a joke. A pie graph of holding percentages! That’s it.

You can see your transactions (One of which in my case was recorded wrongly as a transfer/roll over, when it was really a new deposit) but no needed details like average price paid etc.. I could go on with much more but like I said you don’t have much alternative at this time.

Davie J.