Best Bitcoin IRAs

The lowest fees in the Bitcoin IRA space and the most straightforward setup. $1 per trade on crypto, no monthly fees, and Coinbase Custody for institutional-grade storage. The downside: no self-custody, the platform promotes altcoins alongside Bitcoin, and you are trusting a third party with your retirement savings entirely. Best for investors who prioritize low cost over custody control.

A flexible self-directed IRA platform that offers crypto alongside real estate, startups, and other alternative assets. Good for investors who want Bitcoin in a broader alternative portfolio. Not the right choice if Bitcoin is your primary focus - the platform is a generalist, and it shows in the crypto experience. Fees have multiple layers that add up.

The closest thing to true self-custody inside a retirement account. Unchained uses a 2-of-3 multisig model where you hold one key, Unchained holds one, and a third-party key agent holds one. No single party can move your Bitcoin alone. This is a fundamentally different custody model than every other Bitcoin IRA - Swan uses collaborative multisig but Unchained pioneered the approach and has the longest track record with it. The trade-offs: it is the most expensive option (setup fees, annual fees, and trading fees all add up), requires real technical comfort with multisig, and the onboarding process is heavier than competitors. For holders with significant amounts who understand multisig and want maximum sovereignty within IRA constraints, Unchained is the best option. For everyone else, Swan's simpler collaborative model is probably sufficient.