BlockTrust IRA vs iTrustCapital (2026)
By James Mitchell, CFA · Last updated: March 21, 2026 · Methodology
BlockTrust IRA and iTrustCapital are both top-rated crypto IRA providers — but iTrustCapital's $0 annual fee and $1,000 minimum make it the most accessible option, while BlockTrust leads on overall score and asset breadth.
BlockTrust IRA
/10🏆 Our #1 Rated Crypto IRA — Best Overall
- ✓ Higher overall score (9.6 vs 8.8)
- ✓ More cryptocurrencies (60 vs 40)
- ✓ BitGo custody with $250M insurance
- ✓ 100% cold storage
- ✗ Higher minimum ($10,000 vs $1,000)
iTrustCapital
/10Best for Low Fees & Low Minimum
- ✓ $0 annual fee (vs $195)
- ✓ $1,000 minimum (vs $10,000)
- ✓ Same 1% trading fee
- ✓ Gold & silver IRA option
- ✗ Fewer cryptocurrencies (40 vs 60)
Head-to-Head Comparison
| Feature | BlockTrust IRA | iTrustCapital | Winner |
|---|---|---|---|
| Overall Score | undefined/10 | undefined/10 | 🏆 BlockTrust IRA |
| Annual Fee | — | — | 🏆 iTrustCapital ($0 vs $195) |
| Trading Fee | — | — | Tie (both 1%) |
| Minimum Investment | — | — | 🏆 iTrustCapital ($1k vs $10k) |
| Cryptocurrencies | —+ | —+ | 🏆 BlockTrust IRA (60 vs 40) |
| Custodian | — | — | 🏆 BlockTrust (BitGo vs Coinbase) |
| Storage | — | — | 🏆 BlockTrust (100% cold) |
| Insurance | — | — | 🏆 BlockTrust ($250M/account) |
| BBB Rating | — | — | 🏆 BlockTrust (A+ vs A) |
| Fee Score | undefined/10 | undefined/10 | 🏆 iTrustCapital (9.8 vs 9.5) |
| Asset Score | undefined/10 | undefined/10 | 🏆 BlockTrust IRA |
| Security Score | undefined/10 | undefined/10 | 🏆 BlockTrust IRA |
Who Should Choose Each Provider?
Choose BlockTrust IRA if you:
- ✓ Have $10,000+ to invest
- ✓ Want the highest-rated platform (9.6/10)
- ✓ Want access to 60+ cryptocurrencies
- ✓ Prioritise BitGo custody and $250M insurance
- ✓ Want 100% cold storage guarantee
Choose iTrustCapital if you:
- ✓ Want to start with as little as $1,000
- ✓ Prioritise eliminating the annual fee
- ✓ Want gold and silver IRA alongside crypto
- ✓ Are a first-time crypto IRA investor
- ✓ Trade infrequently (annual fee savings matter most)
The Key Tradeoff: Fees vs Capability
Annual Fee: iTrustCapital's $0 annual fee is its most compelling advantage. For a buy-and-hold investor who makes few trades, this saves $195/year vs BlockTrust. Over 10 years, that's $1,950 in savings before compounding.
Trading Fee: Both charge 1% per trade, so active traders pay the same. The annual fee difference is the primary cost distinction.
Minimum Investment: iTrustCapital's $1,000 minimum is 10x lower than BlockTrust's $10,000. This makes iTrustCapital the clear choice for investors starting out or testing the crypto IRA space.
Security: BlockTrust uses BitGo Trust Company with $250M per-account insurance and 100% cold storage. iTrustCapital uses Coinbase Custody with FDIC coverage on cash holdings. Both are institutional-grade, but BlockTrust's per-account insurance is more directly protective.