iTrustCapital Cryptocurrency & Gold IRA

4.8 Stars (8 Reviews)
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iTrustCapital is a leading fintech software platform for alternative assets. The company provides 24/7 access to crypto assets and precious metals through self-directed, tax-advantaged individual retirement accounts (IRAs). iTrustCapital eliminates the costly inefficiencies and outdated processes of previous IRA models, opening the door for people to safely participate and transact in the crypto and precious metals markets, with long-term tax advantages.

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

4.8 Stars

Bottom Line

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

iTrustCapital Review

iTrustCapital’s software platform simplifies buying and selling crypto, gold, and silver, through a self-directed IRA. These tax-advantaged accounts* offer potential tax benefits, making it easier to engage with alternative assets and save for retirement. iTrustCapital also streamlines the fee structure for purchasing and storing crypto, gold, and silver while keeping 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 opens the door to help diversify a retirement portfolio with these alternative assets.

Pros

  • Buy and sell crypto assets (+70), physical gold, and silver 
  • Low transaction fees
  • No monthly, yearly, maintenance, account setup, or storage fees
  • $1,000 account minimum
  • Best-in-Class Client Service Professionals

Cons

  • Limited to crypto and precious metals (no stocks, bonds, mutual funds, etc.)

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.


Buying Crypto at iTrustCapital

Clients can buy and sell over 70 different crypto assets at iTrustCapital, including Bitcoin, Ethereum, XRP, Solana, DOGE, SUI, and more.

You can review their asset listing here.

Nevada. Source: iTrustCapital

2025 Traditional IRA Contribution Limits

  • Under age 50: $7,000 annual contribution limit
  • Age 50 or older: $8,000 annual contribution limit (includes $1,000 catch-up contribution)

2025 SEP IRA Contribution Limits

Employer Contribution Limit: Up to 25% of compensation or $69,000 (whichever is less)

Buying Gold & Silver with iTrustCapital

iTrustCapital utilizes VaultChain™ for investment-grade gold and silver, physically held at the Royal Canadian Mint (RCM), with ownership recorded on a secure blockchain ledger. Clients can buy and sell gold and silver 24/7 through iTrustCapital’s platform, with transactions executed by precious metals leader Kitco Metals. 

Kitco works with technology provider Tradewind to digitally record fractional ownership of physical metals using blockchain. The Royal Canadian Mint, an ISO 9001-2008 certified institution known for its high-quality bullion and coinage, securely stores the metals. This system provides iTrustCapital clients with a secure and flexible way to invest in gold and silver.

CryptocurrenciesGold & Silver
Bitcoin, Ethereum, XRP, Solana, Dogecoin, Sui, and dozens more.Buy and sell gold/silver 24/7. Transactions are fulfilled by a respected gold dealer, Kitco. Secure storage with the Royal Canadian Mint.
1% cryptocurrency transaction fee$75 gold transaction fee (over spot per ounce) & $3.25 silver transaction fee (over spot per ounce)
iTrustCapital Investment Choices

How to Set Up an iTrustCapital Account

Signing up is easy and only takes minutes.

  1. Create an Account: Get started by signing up and creating your iTrustCapital account.
  2. Select Your IRA Type: Choose the IRA type of your choice.
  3. Fund Your Account: Fund your IRA through a cash contribution, transfer, or rollover a qualified retirement account through an old employer.
  4. Start Buying & Selling: Once your account is funded, access your personal dashboard and begin buying and selling crypto, gold, and silver 24/7.

Their dedicated client service team is helpful through the entire onboarding process if you have any questions. 

iTrustCapital logo
4.8 Stars

iTrustCapital

  • Low Fees
  • 24/7 Investment Platform

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.

  1. $0.00 monthly/annual fees
  2. $0.00 startup or exit fees
  3. 1% cryptocurrency transaction fee
  4. $75.00 gold transaction fee (over spot per ounce)
  5. $3.25 silver transaction fee (over spot per ounce)

You can learn more about iTrustCapital fees here.

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.

Conclusion

iTrustCapital is a leading fintech software platform for alternative assets that allows individuals to buy and sell digital assets and physical precious metals within tax-advantaged retirement accounts. By streamlining the process and removing the high costs and inefficiencies of traditional IRA models, iTrustCapital makes it easier for people to safely move their retirement savings into digital assets and precious metals. With a focus on client support, innovation, and competitive fees, the platform offers a user-friendly experience and 24/7 access to self-directed IRA investing.

*Some taxes may apply.

iTrustCapital logo
4.8 Stars

iTrustCapital

  • Low Fees
  • 24/7 Investment Platform

8 iTrustCapital Reviews

Write Review
5 Stars

May 03 2025 12:01AM

Best Customer Service, Hands-Down! They have an open support line with REAL HUMANS, and there is no waiting on hold! They are a US-based company, and they helped me through the entire process. The best thing, NO MONTHLY FEES! These other reviews are not accurate to their services now, as they seem outdated. I checked their Google Reviews and they have 4.9 Stars. WOW!!! iTrustCapital is an Easy and Safe Choice for my Bitcoin retirement!

Steven M.
Los Angeles, CA
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.
Austin, SELECT A STATE
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