Fidelity Crypto® IRA Review 2026
Fidelity Crypto® IRA is the most trusted name in crypto retirement accounts — but trust comes at a cost. With only 4 supported cryptocurrencies (Bitcoin, Ethereum, Litecoin, and Solana), it lags far behind dedicated crypto IRA providers. The 1% trading fee is competitive, and the $0 account fees are a genuine advantage. Best for investors who already use Fidelity and want minimal crypto exposure in their retirement account.
Fidelity is the largest US mutual fund company
$0 account fees, 1% trading fee
Only 4 coins — BTC, ETH, LTC, SOL
Institutional cold storage via Fidelity Digital Assets
Integrated with existing Fidelity accounts
Not available in CA or OR
24/7 virtual support, established service infrastructure
Fidelity Crypto® IRA — Quick Facts
TL;DR: Fidelity Crypto® IRA earns a 7.2/10 score. It is the most trusted brand in crypto IRAs, but its 4-coin selection (BTC, ETH, LTC, SOL) is the most restrictive among major providers. Best for conservative investors who want Bitcoin or Ethereum exposure in a retirement account under the Fidelity umbrella.
Fees
TL;DR: Fidelity Crypto® IRA has no account opening fee, no maintenance fee, and no custody fee. The only cost is a 1% trading fee on all buy and sell transactions — the same rate as iTrustCapital.
| Fee Type | Fidelity Crypto IRA | Industry Average |
|---|---|---|
| Account Setup | $0 | $0–$100 |
| Annual / Maintenance | $0 | $0–$300 |
| Custody | $0 | $0–$200/yr |
| Trading Fee | 1% per transaction | 1–2% per trade |
Supported Cryptocurrencies
TL;DR: Fidelity Crypto® IRA supports only 4 cryptocurrencies — Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), and Solana (SOL). This is the most restrictive selection among major crypto IRA providers. Investors seeking XRP, Dogecoin, Avalanche, or any altcoins must use a different provider.
Fidelity limits its IRA crypto offering to four major assets. While this keeps the product simple and compliant, it is a significant limitation compared to providers like BlockTrust IRA (39 coins) or Bitcoin IRA (75+ coins).
Security & Custody
TL;DR: Fidelity Digital Assets, National Association is a federally chartered national trust bank — one of the most regulated custodian structures available for crypto IRAs. The majority of crypto is held in institutional cold storage, not connected to the internet.
Fidelity Digital Assets has provided institutional-grade custody since 2018. As a national trust bank, it is subject to federal banking regulation — a higher standard than the state-chartered trust companies used by most crypto IRA providers. Cold storage is the default for the majority of assets.
Note: Crypto held in a Fidelity Crypto® IRA is not insured by FDIC or SIPC. This is standard across all crypto IRA providers — crypto is not covered by these programs regardless of custodian.
Pros & Cons
✓ Pros
- ✓Most trusted brand in the industry (Fidelity)
- ✓$0 account opening and maintenance fees
- ✓Institutional cold storage custody
- ✓Federally chartered national trust bank custodian
- ✓Integrated with existing Fidelity accounts
- ✓Roth, Traditional, and Rollover IRA options
- ✓No minimum investment requirement
✗ Cons
- ✗Only 4 cryptocurrencies (BTC, ETH, LTC, SOL)
- ✗Not available in California or Oregon
- ✗Must have or open a Fidelity brokerage IRA
- ✗No XRP, Dogecoin, Avalanche, or altcoins
- ✗No stablecoins or DeFi tokens
- ✗Not a true self-directed IRA structure
How Fidelity Compares
| Provider | Coins | Trading Fee | Annual Fee | Score |
|---|---|---|---|---|
| BlockTrust IRA#1 | 39 | 1% | $0 | 9.4 |
| Bitcoin IRA | 75+ | 2% | $240/yr | 9.0 |
| iTrustCapital | 40+ | 1% | $0 | 8.8 |
| Fidelity Crypto IRA | 4 | 1% | $0 | 7.2 |
| Alto CryptoIRA | 200+ | 1% | $0 | 8.2 |
Bottom Line
Fidelity Crypto® IRA is the safest, most trusted option for investors who want minimal crypto exposure in a retirement account — specifically Bitcoin or Ethereum — under the umbrella of an established financial institution. The $0 account fees and institutional custody are genuine strengths. However, the 4-coin limit is a dealbreaker for anyone seeking diversified crypto exposure. If you want XRP, Solana, Dogecoin, or any altcoin in your IRA, BlockTrust IRA (39 coins, same 1% fee) or Alto CryptoIRA (200+ coins) are better choices.