iTrustCapital Review: Fees, Minimum, and Reputation
What iTrustCapital actually is
iTrustCapital is a self-directed IRA platform built around letting one account hold both cryptocurrency and physical precious metals, rather than a traditional Gold IRA company that only sells metals through a separate custodian relationship. That structural difference matters for suitability: if you specifically want a mixed crypto-and-metals retirement account without opening two separate accounts at two separate companies, this is a genuinely different product category from the Birch Gold, American Hartford, and Augusta reviews already on this site.
| Feature | iTrustCapital |
|---|---|
| Minimum investment | $1,000 |
| Crypto transaction fee | 1% per trade |
| Metals markup | ~$75 over spot (gold), ~$3.25 over spot (silver) |
| Monthly account fee | None published |
| Transfers/rollovers/contributions | Fee-free |
| Account-type conversion fee | One-time $75 (e.g., Traditional to Roth) |
| Custody infrastructure | Third-party institutional custody (reported: Coinbase Custody, Fireblocks), cold storage, multi-party computation |
Figures compiled from independently published 2026 iTrustCapital reviews and comparison sources (see Sources); confirm current fee schedule directly with the company before opening an account, since fee structures can change.
Why the low minimum is the real differentiator
At $1,000, iTrustCapital’s minimum is a fraction of what the metals-only companies on this site require. That opens the door to investors who want exposure to precious metals or crypto inside a retirement account but don’t have $5,000-$50,000 to commit up front. The cost of that accessibility is a more self-service model – there’s no equivalent to Augusta’s mandatory one-on-one economist call built into the process.
Crypto in a retirement account carries its own risk profile
Holding cryptocurrency inside an IRA doesn’t change crypto’s underlying volatility – it only changes the tax treatment. A platform that makes it easy to add crypto to a retirement account is not the same thing as a recommendation to do so at any particular allocation. If you’re only interested in the metals side, compare iTrustCapital’s markup and minimum directly against the metals-only dealers reviewed elsewhere on this site before choosing between them.
Comparing minimums across metals-only dealers instead? See our Birch Gold Group Review →
Frequently Asked Questions
What is iTrustCapital’s minimum investment?
$1,000 – far lower than the $5,000-$50,000 minimums typical of the metals-only Gold IRA companies reviewed on this site.
What does iTrustCapital actually charge?
A 1% fee on crypto trades plus a flat markup on physical metals (roughly $75 over spot for gold, $3.25 over spot for silver), with no published monthly fee and free transfers/rollovers/contributions.
Is iTrustCapital the same thing as a Gold IRA company?
Not exactly – it’s a self-directed IRA platform supporting both crypto and physical metals in one account, rather than a metals-only dealer working through a separate custodian.
How does iTrustCapital secure crypto holdings?
Reported use of institutional custody providers (Coinbase Custody, Fireblocks), cold storage, and multi-party computation – the same class of infrastructure used by larger institutional crypto custodians.
- Fortunly, “iTrustCapital Review 2026: Crypto IRA Investment Platform” – fortunly.com/reviews/itrust-capital-review – minimum investment and fee structure.
- Milk Road, “iTrustCapital Review 2026: Pros, Cons, & Features” – milkroad.com/reviews/itrustcapital – metals markup figures and account-conversion fee.
- BeInCrypto, “iTrustCapital Review 2026: Secure Premium Custody Accounts and Tax-Advantaged Crypto IRAs” – beincrypto.com/learn/itrustcapital-review – custody infrastructure (Coinbase Custody, Fireblocks, cold storage, multi-party computation).
- WallStreetZen, “iTrustCapital Review – Is this Low-Cost Crypto IRA Legit? (August 2026)” – wallstreetzen.com/blog/itrustcapital-review – crypto transaction fee confirmation.
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