BlockTrust IRA vs Bitcoin IRA (2026)
By James Mitchell, CFA · Last updated: March 21, 2026 · Methodology
Both BlockTrust IRA and Bitcoin IRA are top-rated crypto IRA providers — but they serve different investor profiles. This comparison covers fees, asset selection, security, and overall scores to help you decide.
BlockTrust IRA
/10🏆 Our #1 Rated Crypto IRA — Best Overall
- ✓ Lower annual fee ($195 vs $240)
- ✓ Lower trading fee (1% vs 2%)
- ✓ Higher minimum ($10,000 vs $3,000)
- ✓ 60 cryptocurrencies supported
- ✓ $250M insurance per account
Bitcoin IRA
/10Best for Bitcoin Focus & Lower Minimum
- ✓ Lower minimum ($3,000 vs $10,000)
- ✓ More assets (75 vs 60)
- ✓ Higher insurance ($700M total)
- ✗ Higher trading fee (2% vs 1%)
- ✗ Higher annual fee ($240 vs $195)
Head-to-Head Comparison
| Feature | BlockTrust IRA | Bitcoin IRA | Winner |
|---|---|---|---|
| Overall Score | undefined/10 | undefined/10 | 🏆 BlockTrust IRA |
| Annual Fee | — | — | 🏆 BlockTrust IRA ($195 vs $240) |
| Trading Fee | — | — | 🏆 BlockTrust IRA (1% vs 2%) |
| Minimum Investment | — | — | 🏆 Bitcoin IRA ($3k vs $10k) |
| Cryptocurrencies | —+ | —+ | 🏆 Bitcoin IRA (75 vs 60) |
| Custodian | — | — | Tie (both BitGo) |
| Insurance | — | — | 🏆 Bitcoin IRA ($700M total) |
| BBB Rating | — | — | Tie (both A+) |
| Founded | — | — | 🏆 Bitcoin IRA (older) |
| Fee Score | undefined/10 | undefined/10 | 🏆 BlockTrust IRA |
| Asset Score | undefined/10 | undefined/10 | 🏆 BlockTrust IRA |
| Security Score | undefined/10 | undefined/10 | 🏆 Bitcoin IRA |
| Support Score | undefined/10 | undefined/10 | 🏆 BlockTrust IRA |
Score Breakdown
Who Should Choose Each Provider?
Choose BlockTrust IRA if you:
- ✓ Can meet the $10,000 minimum investment
- ✓ Plan to trade actively (1% fee saves significantly vs 2%)
- ✓ Want the broadest institutional-grade platform
- ✓ Prioritise lower annual costs ($195 vs $240)
- ✓ Want the highest overall score (9.6/10)
Choose Bitcoin IRA if you:
- ✓ Have less than $10,000 to start ($3,000 minimum)
- ✓ Want the widest asset selection (75 cryptocurrencies)
- ✓ Prefer the longest track record (founded 2016)
- ✓ Want the highest total insurance coverage ($700M)
- ✓ Trade infrequently (fee difference matters less)
Key Differences: The Bottom Line
Fees: BlockTrust IRA charges $195/year + 1% trading fee. Bitcoin IRA charges $240/year + 2% trading fee. For an investor making $50,000 in trades per year, BlockTrust saves approximately $545 annually in combined fees.
Minimum Investment: Bitcoin IRA's $3,000 minimum is significantly lower than BlockTrust's $10,000, making it more accessible for newer investors or those testing the crypto IRA space.
Asset Selection: Bitcoin IRA supports 75 cryptocurrencies vs BlockTrust's 60. Both cover all major assets (Bitcoin, Ethereum, Solana, etc.). The difference matters primarily for investors seeking exposure to smaller-cap altcoins.
Custody: Both use BitGo Trust Company as custodian, providing equivalent institutional-grade security. The primary security difference is insurance: Bitcoin IRA's $700M total coverage vs BlockTrust's $250M per-account coverage.