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Welcome to my iTrustCapital review for 2026.
iTrustCapital is a company that specializes in Bitcoin and Crypto IRA options. They also have a secure taxable crypto account, known as their Premium Custody Account (PCA), which works similarly to an exchange.
So you get the best of both worlds, a tax-advantaged IRA for long-term investing, or a PCA for everyday crypto investing.
But, is iTrustCapital legit? Or are they a scam (hint: they’re not).
Read my review below to learn everything you need to know about this Bitcoin IRA company.
Here’s the TLDR version in case you’re in a hurry.
iTrustCapital is my top recommendation for Bitcoin IRA providers in 2026. They’re a legitimate company that has very few complaints posted online and over 12,000 excellent reviews posted on popular consumer watchdog websites.
Doing business with iTrustCapital is fast, easy, and secure and their helpful customer support will ensure the process goes smoothly with minimum hassle for you.
The best way to start with iTrustCapital is to open a free account with them and start buying and selling over 90 cryptocurrencies. Plus they have precious metals and crypto staking options.
You don’t need a lot of money to get started and like I said, you’re more than welcome to open a free account with them and look around the platform at your leisure.
And you’ll get a $100 bonus if you sing up with my special link. It’s free money for you!
Use these links to go around my iTrustCapital review faster:
Here’s an awesome quiz about iTrustCapital created from this review. Take it after you’ve read my review for best results.
Table of Contents
What is iTrustCapital?
- Name- iTrustCapital.
- Date founded- 2018.
- Headquarters- Irvine, California
- CEO- Kevin Maloney;
- Types of crypto- Over 90+ cryptocurrencies (BTC, ETH, SOL, XRP, etc), plus precious metals (gold and silver).
iTrustCapital is a digital asset and crypto IRA platform that lets clients buy and sell cryptocurrency and precious metals in their retirement accounts.
This company offers several IRA account types (Traditional IRA, Roth IRA, and SEP IRA) with each having their unique tax advantages
They also have the most competitive fees of any cryptocurrency IRA.
iTrustCapital is worth a look if you’re looking for a tax-leveraged cryptocurrency account with award-wining customer service.
iTrustCapital Pros and Cons
| Pros | Cons |
|---|---|
| Simple fee structure | Custodial wallet (you don't control the keys). This can also be considered a pro depending on how you look at it. |
| Excellent US-based customer support. | Only for U.S. citizens. |
| Secure Custody with institutional storage providers. | / |
| Overly positive online customer reviews (+12,000 real reviews from clients). | / |
| Low number of complaints on major consumer watchdog websites, including Google and Trustpilot. | / |
| Strong focus on customer education, with hundreds of articles to learn from. | / |
| You can buy gold and silver with this crypto IRA company | / |
| Lifetime account support through the user dashboard. | / |
| Crypto staking, and a taxable account for everyday crypto investing. |
iTrustCapital Pros
- Simple fee structure.
- Excellent US-based customer support.
- Secure Custody with institutional storage providers.
- Overly positive online customer reviews (+12,000 real reviews from clients).
- Low number of complaints on major consumer watchdog websites, including Google and Trustpilot.
- Strong focus on customer education, with hundreds of articles to learn from.
- Buy gold and silver with this crypto IRA company.
- Lifetime account support through the user dashboard.
- Crypto staking, and a taxable account for everyday crypto investing.
Simple Fee Structure
Some IRA companies (both gold IRA and crypto IRA) have very convoluted pricing and fee structure. As if they’re trying to hide it.
iTrustCapital is upfront with their fee structure and you’ll always know what you’re paying for and why. It’s a sign of a reputable and legitimate company when it clearly displays their pricing on its website.
Excellent US-Based Customer Support
iTrustCapital has excellent US-based customer service and support. There’re many ways to contact them even before you become a customer of theirs. You can give them a call or submit a request on their support page.
And after you’ve become their customer you’ll have as much assistance as you need for the lifetime of your account.
Secure Custody With Institutional Storage Providers
iTrustCapital leverages regulated bank and trust partners, and institutional crypto storage providers, to secure assets. All iTrustCapital client assets are held For the Benefit Of (FBO) their clients 1:1 off-balance sheet.
Through their Qualified Custodian, Fortis Bank, iTrust Custodial Services utilizes proprietary technology to custody digital assets, working with some of the most respected names in crypto for digital asset institutional storage, including Coinbase Custody and Fireblocks.
Crypto assets are also stored within a fully secure, audited, and regularly stress-tested institutional environment using Cold Storage, MPC, and HSM
Overly Positive Online Feedback and Customer Reviews
iTrustCapital is a beloved company in the crypto IRA space. They have OVER 12,000 of positive customer reviews and testimonials on popular consumer watchdog websites.
Take a look:
| Consumer Watchdog Websites | Number of reviews | Score | Number of complaints in the past 12 months |
|---|---|---|---|
| BBB | 91 customer reviews | 4.67/5 | None or very few complaints |
| Trustlink | No profile | No profile | None or very few complaints |
| 5,047 customer reviews | 4.9/5 | None or very few complaints | |
| Trustpilot | 7296 customer reviews | 5/5 | None or very few complaints |
Low Number of Complaints on Major Consumer Watchdog Websites
iTrustCapital have a low number of complaints and negative reviews on popular consumer watchdog websites
This is always a good sign of the company’s legitimacy.
Another clear sign is that they’re promptly responding to customer complaints on BBB and resolving those disputes before they create headache for both iTrustCapital and the customer.
Strong Focus on Customer Education
iTrustCapital is a legit company. They’re not just trying to sell to you no matter what. They don’t want you uniformed and uneducated.
Instead, they want to educate you so you can make the decision that’s best for you.
In their site’s menu you can see the “Learn” tab. Click it and you see iTrustCapital offers a whole knowledge center, video playlists and also a glossary of the most important terms.
Peruse these resources and you’ll become a crypto IRA expert in no time.
You can Buy Gold and Silver Bullion with this Crypto IRA Company
iTrustCapital are mostly known for their cryptocurrency investing options.
But, did you know they also offer gold IRA services of comparable quality to other U.S. gold IRA companies?
I won’t talk about it here because I cover it comprehensively further down my review.
Just know that iTrustCapital is an excellent choice if you want to invest in Bitcoin, various cryptocurrencies and gold and silver all at once and together.
iTrustCapital Cons (Complaints)
- Very restrictive refund policy.
- Very young Bitcoin IRA company.
- Custodial wallet (you don’t control the keys).
- No mobile app.
- Limited cryptocurrency selection.
Complaint 1- Only for U.S. citizens.
CHANGE THIS BASED ON SUBHEADNG
iTrustCapital currently serves customers based in the United States. International residents, including those in South America, Europe, Asia, Africa, and Australia, are not eligible to open an iTrustCapital account at this time.
Residents of Puerto Rico are eligible, as Puerto Rico is a U.S. territory.
Complaint 2- No Decentralized Finance Features
One of the strengths of iTrustCapital is that it provides a straightforward way to buy and sell cryptocurrency and precious metals and hold them for the long term.
That said, if you’re deeply involved in the crypto ecosystem, such as interacting directly with decentralized applications, you won’t be able to do so through the platform.
While that may be a limitation for some, iTrustCapital does offer crypto staking, allowing eligible investors to earn rewards on certain digital assets.
iTrustCapital Fees and Pricing
iTrustCapital doesn’t have a monthly or yearly maintenance fees to utilize their platform.
They do have some fees though and these are:
- 1% Transaction Fee for the buying and/or selling of cryptocurrencies;
- $125 over spot, per ounce for Gold;
- $3.95 over spot, per ounce for Silver buys and $1.95 for Silver sells.
Should You Open a Gold IRA with iTrustCapital?
iTrustCapital are primarily a crypto IRA company. That’s their forte and the area they excel in.
They also offer the option of opening a gold IRA with them. If you’re going to open a gold IRA with a Bitcoin IRA company, then iTrustCapital is the business to do it with.
You will be catered to accordingly and be a happy customer.
According to iTrustCapital:
“iTrustCapital utilizes VaultChain™, investment-grade gold and silver held physically at the Royal Canadian Mint with ownership managed via a secure blockchain distributed ledger. iTrustCapital clients can buy and sell gold & silver 24/7. Clients place transactions through iTrustCapital’s platform which executes through precious metals leader Kitco.”
iTrustCapital only offers gold and silver IRAs and they don’t sell platinum and palladium bullion.
So, you’ll need to look elsewhere if you want to buy platinum and palladium coins and bars.
If you compare iTrustCapital to other Gold IRA companies, they are actually underrated. There are no overpriced coins, no commission-based salespeople, and no storage, annual maintenance, or monthly fees. None of the extra costs investors are often charged elsewhere.
iTrustCapital Customer Support
What’s the support like with iTrustCapital?
iTrustCapital has excellent US-based customer service with many ways of contacting them.
The best way to get in touch with iTrustCapital is via telephone. Contact them on (562) 600-8399 to get your questions answered.
The second best way is to contact them via their contact form.
Other ways to contact iTrustCapital are via their official social media profiles.
- iTrustCapital official X profile.
- iTrustCapital official LinkedIn profile.
- iTrustCapital official Facebook profile.
Is iTrustCapital Legit? Are They a Scam? What are Their Scores on Popular Consumer Watchdog Websites?
iTrustCapital aren’t a scam. They are a legit Bitcoin IRA company with excellent scores on Trustpilot, Google My Business and other popular consumer website.
Take a look:
| Consumer Watchdog Websites | Number of reviews | Score | Number of complaints in the past 12 months |
|---|---|---|---|
| BBB | 91 customer reviews | 4.67/5 | None or very few complaints |
| Trustlink | No profile | No profile | None or very few complaints |
| 5,047 customer reviews | 4.9/5 | None or very few complaints | |
| Trustpilot | 7296 customer reviews | 5/5 | None or very few complaints |
However, iTrustCapital has a profile on Birdeye, with a score of 4.9/5 stars and a whopping 2800+ customer reviews (at the time of me writing this review).
What about iTrustCapital’s Negative and Bad Customer Reviews? Do They Exist?
Negative and bad reviews about iTrustCapital exist online, but I purposefully didn’t include them in my review.
Why?
Because a large chunk (not all of them) of them are fake reviews posted to harm iTrustCapital’s reputation.
Remember that iTrustCapital is a Bitcoin and crypto IRA company operating in the digital IRA niche. This niche is very competitive and unethical marketing practices are common among competitors.
Posting fake customer reviews is one such tactic.
I’m not saying all of the bad reviews you can find are fake. But it’s impossible to discern which negative reviews are real and which are fake. So, I played it safe by including only positive testimonials here.
Go to Google or Bing and search queries like “iTrustCapital negative reviews,” “iTrustCapital negative review,” “iTrustCapital complaints,” “iTrustCapital bad reviews,” “iTrustCapital bad review,” “iTrustCapital reviews and complaints,” and similar if you want to find negative reviews and complaints about iTrustCapital.
You can find this info easily, just be aware that the content you’re reading might be fake, AI-generated, and inaccurate.
Click here to jump to the section of my review where I explain the common iTrustCapital complaints you need to know to truly make up your mind.
Here are some of the resolved complaints they’ve received on their BBB profile, just to show you that iTrustCapital is a legitimate Bitcoin IRA company.
You can see how the company is quick to respond to customer complaints and they do everything they can to solve them successfully. BBB-complaint-responsiveness is a hallmark of a legitimate business.
For example:
Here’s someone complaining about the unexpected 401k conversion fee of $75. The customer’s issue is that no one told them about this fee, and they spoke to several people from iTrustCapital.
The customer demands a full refund and later they posted on BBB that they’re satisfied with the company’s prompt response.
Here’s another example. This person had a lot or trouble transferring money to iTrustCapital. There seems to have been some kind of a delay when the money was sent but it was stuck at “pending” for a long time.
iTrustCapital successfully resolved this issue and the customer indicated they’re happy with the company’s response.
iTrustCapital Review- Scam or Legit (FAQ)?
Who’s the CEO of iTrustCapital?
The CEO of iTrustCapital is Kevin Maloney.
Where is iTrustCapital Located? Where are their Headquarters?
iTrustCapital headquarters is located at Irvine, California.
What are the Ways to Fund my iTrustCapital IRA Account?
The ways to fund iTrustCapital accounts are via IRA transfers and employer plans.
Any existing IRA can be transferred. (Traditional, Roth, SEP, Simple, Inherited). Once you leave your job for any reason, you can rollover your retirement plan (401k, 403b, TSP, 457).
How Do I Buy Bitcoin With iTrustCapital?
You can buy Bitcoin with iTrustCapital by opening an account and purchasing Bitcoin within the platform.
Can I Buy Ethereum With iTrustCapital?
Yes, you can buy Ethereum with iTrustCapital. iTrustCapital shows you the daily price of this cryptocurrency and you can trade freely with it inside the platform.
Note: the cryptocurrencies iTrustCapital makes available within the platform are: Bitcoin (BTC), Ethereum(ETH), XRP (XRP), BNB (BNB), Solana (SOL), Dogecoin (DOGE), Cardano (ADA), Bitcoin Cash (BCH), 1inch Network (1INCH), Aave (AAVE), AIOZ Network (AIOZ), ApeCoin (APE), Aptos (APT), Arbitrum (ARB), Artificial Superintelligence Alliance (ASI), Avalanche (AVAX), Axelar (AXL), Axie Infinity (AXS), Basic Attention Token (BAT), Berachain (BERA), Bittensor (TAO), Bonk (BONK), Celestia (TIA), Chainlink (LINK), Chiliz (CHZ), Compound (COMP), Cosmos (ATOM), Cronos (CRO), Curve DAO Token (CRV), Dash (DASH), Decentraland (MANA), Dogwifhat (WIF), Echelon Prime (PRIME), EOS (EOS), Enjin (ENJ), FARTCOIN (FARTCOIN), Filecoin (FIL)
Flare (FLR), Floki Inu (FLOKI), Flow (FLOW), Gala (GALA), Gigachad (GIGA), Gold (KMG), Helium (HNT), Hedera (HBAR), Hyperliquid (HYPE), Immutable (IMX), Injective (INJ),Internet Computer (ICP), Jito (JTO),Lido DAO (LDO), Litecoin (LTC), Marinade (MNDE),MetisDAO (METIS), MooDeng (MOODENG), NEAR Protocol (NEAR), Ondo (ONDO), Optimism (OP), Orca (ORCA), Peanut the Squirrel (PNUT), Pepe (PEPE), Polygon Ecosystem Token (POL), Polkadot (DOT), Popcat (POPCAT), Pudgy Penguins (PENGU), Quant (QNT), Render (RNDR), Sei (SEI), Shiba Inu (SHIB), Silver (KMS), Sky (SKY), Sonic (SONIC), Stacks (STX), Starknet (STRK), Story Protocol (IP), Sui (SUI), SushiSwap (SUSHI), Tezos (XTZ), The Graph (GRT), Toncoin (TON), Uniswap (UNI), VeChain (VET), World Liberty Financial (WLFI), XDC Network (XDC), Zcash (ZEC), ZKSync (ZK).
iTrustCapital doesn’t include every possible cryptocurrency within their platform because not every type of crypto is supported by the partners they work with.
Can You Buy Bome With iTrustCapital?
No, you can’t buy Bome with iTrustCapital.
iTrustCapital doesn’t offer this type of cryptocurrency to potential investors.
Does iTrustCapital Offer Rewards and Bonuses When Opening an Account With Them?
Yes, iTrustCapital offers a $100 funding bonus when you open a Crypto IRA and fund it.
Is iTrustCapital FDIC Insured? Is it Regulated?
No, your cryptocurrency and precious metals held in iTrustCapital are not directly FDIC insured because crypto isn’t a bank deposit. However, iTrustCapital holds your U.S. dollar (USD) cash balances at FDIC-insured partner banks, and assets are held in separate, off-balance-sheet custody, offering strong protection, but not FDIC insurance.
iTrustCapital isn’t directly regulated as a financial advisor or broker, but provides access to crypto IRAs by partnering with regulated entities like banks and custodians (e.g., Fortis Bank, Coinbase Custody) for asset custody, using MPC and cold storage, plus insurance, for security, though the UK’s FCA has issued a warning about an unauthorized firm using a similar name.
In other words iTrustCapital are a software platform for self-directed IRAs, relying on their partners for regulatory compliance.
Does iTrustCapital only have Crypto IRAs? How about taxable accounts?
Yes, iTrustCapital has a Premium Custody Account which is for everyday crypto investing. They’re not retirement accounts so you don’t get the tax-advantages. However if you’re someone who maxed out an IRA for the year and still want crypto, you can open this account where there’s no limits.
What’s the Minimum Investment With iTrustCapital?
The minimum investment to open an iTrustCapital account is $1,000. There’s no maximum amount for IRA transfers or qualified plan rollovers. Each additional cash contribution has a minimum of $500.
The annual limit for Roth and Traditional IRAs is $7,500 if you are under the age of 50 or $7,500 if you are over 50.
The annual limit for Roth and Traditional IRAs is $8,600 if you are under the age of 50 or $8,000 if you are over 50.
What’s the Maximum Investment With iTrustCapital?
The maximum annual contribution with iTrustCapital is based on IRS’s limitations.
Does iTrustCapital Offer Asset Insurance?
Yes, iTrustCapital offers asset insurance up to the maximum permitted by federal regulation.
Do iTrustCapital Sell Platinum Coins and Bars?
No, iTrustCapital doesn’t sell platinum coins and bars.
They only sell gold and silver.
Do iTrustCapital Sell Palladium Coins and Bars?
No, iTrustCapital doesn’t sell palladium coins and bars.
They only sell gold and silver.
Do iTrustCapital Sell Numismatic Coins?
No, iTrustCapital doesn’t sell numismatic coins.
They only sell gold and silver.
What’s the Withdrawal Process at iTrustCapital?
Here’s how to withdraw money from iTrustCapital:
- Log in to your account
- Navigate to the withdrawal section
- Click Withdraw
- Enter the amount you want to withdraw
- Provide your bank information
Can I Transfer My Crypto From Other Provider?
Yes, you can transfer your crypto from other Bitcoin IRA providers. This is known as an in-kind transfer, and in most cases, you don’t have to liquidate your investment to move it.
iTrustCapital Review 2026- is iTrustCapital a Scam or Legit (Conclusion)?
extractive summary bottom
iTrustCapital Review 2026- Is iTrustCapital a Scam or Legit (Complaints and Lawsuits Included)?
iTrustCapital is one of the best crypto IRA companies operating in the US. Helpful customer support plus a breeze of a process make iTrustCapital an excellent choice for American savers looking to open digital IRAs and diversify with Bitcoin and other type of cryptocurrencies.
Product Brand: iTrustCapital
Product Currency: USD
Product Price: 50
Product In-Stock: InStock
4.8
References:
- iTrustCapital customer reviews on Trustpilot- https://www.trustpilot.com/review/itrustcapital.com
- iTrustCapital customer reviews on BBB- https://www.bbb.org/us/ca/irvine/profile/computer-software/itrust-capital-1126-1000091496/customer-reviews
- iTrustCapital customer reviews on Birdeye- https://birdeye.com/itrustcapital-168374968254066
Nikola Roza
Nikola Roza is a blogger behind Nikola Roza- SEO for the Poor and Determined. He writes for bloggers who don't have huge marketing budget but still want to succeed. Nikola is passionate about precious metals IRAs and how to invest in gold and silver for a safer financial future. Learn about Nikola here.
