iTrust Capital Review: Crypto IRA investment platform

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Written By
G. Dautovic
July 01, 2023
Some or all of the products/services listed on this page are from our affiliate partners from which we receive commissions. This, however, does not influence the evaluations in our reviews. Learn more by reading our Advertiser Disclosure.

If you’re interested in making the most of your crypto trading, one way to do that is by investing in an IRA. This decision requires trust, as you are looking at a partnership that could last for decades. Therefore, platform reliability should be a top priority when opening an IRA account.

Fortunately, iTrust Capital reviews suggest this company has been faithful to its name, providing dependable investment services to its clients with as few fees as possible. It inspired us to take a closer look at its offer. If you want to see it too, read on!

Deposit minimum:

No account maintenance fee

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Fortunly Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

A (not accredited)
Yes (iOS)
pros thumb up Strengths
  • No maintenance fee
  • Small trading fee
  • In-kind transfers
  • Option to buy gold and silver
  • 24/7 trading platform
pros thumb up Weaknesses
  • Limited coin selection
  • No Android app

iTrust Capital Overview

iTrust Capital is a cryptocurrency exchange founded in 2018. Its platform offers low-fee trading of cryptocurrencies and precious metals and investing those assets into IRA funds.

Currently, it has 29 cryptocurrencies on offer, which you can buy, sell, or invest in Traditional, Roth, and SEP IRAs. iTrust’s fee-free structure and simple use make this platform an excellent choice for beginners who wish to start crypto investing.

The platform is also available over an iOS app, with the Android iTrust app in the works and scheduled to appear in 2022.

iTrust Capital vs. Competitors

iTrust Capital Logo
iTrust Capital


Min. investment requirement:


IRA type:

Traditional, Roth, SEP

Bitcoin IRA Logo
Bitcoin IRA

2% + 0.08% on assets under management (monthly fee)

Min. investment requirement:


IRA type:

Traditional, Roth, SEP

Wealthfront IRA Logo
Wealthfront IRA


Min. investment requirement:


IRA type:

Traditional, Roth, SEP

What Is an IRA Account?

First, a quick reminder about the basics of Individual Retirement Accounts or IRAs, as there are three types of iTrust Capital IRA funds available.

A traditional IRA is pre-tax, meaning you don’t pay taxes when you deposit, but any withdrawals will be taxed as income. A Roth IRA is similar in structure, only your investments are taxed; when you become eligible to withdraw the funds, you are free to do so without any taxes pending.

And there is also the SEP IRA or the Simplified Employment Plan, which will benefit most self-employed people. If you want to know more about these and other types of IRAs or how to open an account, you can read about them in our article.

What Is a Crypto IRA Account?

With an iTrust Capital crypto IRA account, you can invest in your retirement fund using cryptocurrencies. Another benefit of using the iTrust platform is trading precious metals and investing those assets in your IRA. If you need further help on how to invest in crypto, we suggest you read our guide on this subject.

Besides the difference in funding options offered, your iTrust IRA is going to adhere to the same rules and regulations as any other IRA, and you will be eligible to collect the funds according to the rules of the specific IRA you have. 

How To Open An Account With iTrust Capital

Setting up an account is easy: A step-by-step guide on the iTrust website will walk you through the process. After you fill in the application with your personal info, the team at iTrust Capital reviews your application and replies within one to three business days.

We suggest you take advantage of the educational features this website offers to get acquainted with the benefits of each IRA, so you may choose what best suits you. If you’re interested in more options, we recommend you browse our list of IRA funds that will help you save tax money with your investments.

iTrust Capital Fees

iTrust Capital keeps its fees low, and doesn’t have recurring monthly maintenance and support charges. Also, all transfers, rollovers, and contributions to fund your IRA are fee-free.

The transaction fee will be only 1% when you're buying or selling cryptocurrencies. Gold and silver transaction costs are based on the spot price (the current open-market price of precious metals). The transaction fee for gold is $50 over spot per ounce and $2.50 over spot per ounce for silver.

You can transfer your crypto from other platforms without having to sell it. But there is a one-time conversion fee of $75 that you’ll need to pay when you wish to convert your Traditional IRA into a SEP IRA or a Roth IRA account.

iTrust Mobile App

iTrust has a mobile app available for iOS users, while the Android version is meant to appear in 2022. You can use it for the same trades as the iTrust web platform - cryptocurrencies, gold, and silver.

The app is easy to use, but there have been reports of it crashing from time to time. It has average reviews, but the iTrust team seems very invested in improving this part of its service.

The Downsides of iTrust Capital

There is always room for improvement, and this is true of iTrust. For one, we thought it could expand its current array of cryptocurrencies. The current list of iTrust Capital coins includes some of the most important crypto coins on the market like Bitcoin, Ether, Dogecoin, and EOS. However, there is no Tether (USDT) or USD Coin (USDC) on the list, which are some of the most popular stablecoins on the market.

Apart from broadening its selection of tokens, another area where we thought iTrust could improve are the investment possibilities the company offers. Indeed, the iTrust Capital crypto exchange allows you to invest in gold and silver as alternatives to crypto, which is a great perk, but there are also crypto exchanges that allow you to invest in other asset classes, such as venture capital, private credit, or real estate.

iTrust Customer Support

You can reach iTrust customer support via phone, but there is a limit of 10 minutes per client. We saw this as a good feature, as we didn’t have to wait for an agent to take our call. Just make sure you have your questions ready for the support team to make the most of your limited time. Also, if you don’t want to stay on hold, you can schedule a call in advance.

You can also log in to your iTrust account and chat live with customer support. For those without an account, there is a help box on the website where you can make inquiries about the service, and the support team will answer you through email within a couple of hours.

Bottom Line

Finding a reliable crypto investment platform might seem pretty complicated, more so if you're just beginning to trade in crypto. This is especially true if you’re planning to make an investment that’s as long-term as an IRA.

In this iTrust Capital review, we looked at the pros and cons of this low-cost crypto exchange to test the waters and see if its offer is worth your investment. We found that its ease of use, good customer service, and attractive fee structure show promise, especially for novice traders.

Still, we think it can do even more in the future, improving its range of coins available to trade and ensuring Android users can also trade on the go.


Does iTrust Capital have monthly fees?


No, iTrust Capital does not have any monthly fees. You only have to pay a small fee when you make a trade. This makes it one of the most affordable ways to get into the cryptocurrency market.

Is iTrust Capital legit?


Yes, iTrust Capital is a legitimate company that allows you to invest in IRA funds with your cryptocurrencies. It has received positive user reviews and offers a great way to get into the cryptocurrency market without worrying about high fees or complex processes.

Is there an app for iTrust Capital?


There is an app available for iOS, but no app is available for Android devices. iTrust Capital reviews from clients show average ratings for its current iPhone mobile app.