IRAs
Self-directed Bitcoin IRAs for tax-advantaged retirement savings.
Unchained IRA
Save tax-advantaged bitcoin & hold the keys — flat annual fees instead of a percentage. 10% off with code BITBO10.
Swan IRA
Hold real Bitcoin in your retirement account with tax advantages. Simple fees and enterprise-grade custody through Equity Trust.
Compare Bitcoin IRAs
| Provider | Best For | Annual Fee | Trading Fee | Minimum | Custody |
|---|---|---|---|---|---|
|
Unchained IRA
|
Self-custody & security | $250/year flat | 1.50% conversion fee | $2,000 per trade | 🔑 Self-custody |
|
Swan IRA
|
Beginners & simplicity | 0.24%/year ($20/mo min) | 1% buy/sell fee | No minimum | 🏦 Custodial |
IRA Provider Details
Unchained IRA
Unchained IRA combines the tax advantages of a retirement account with true Bitcoin self-custody. Unlike most Bitcoin IRA providers that require you to give up control, Unchained uses multisig technology so you hold the keys to your bitcoin. Flat annual fees don't increase with account value.
- True self-custody with multisig — you hold the keys
- Flat $250/year fee regardless of account size
- No third-party custodial risk
- Supports Traditional, Roth, SEP, and Inherited IRAs
- 1-on-1 concierge onboarding available
- 5.0 rating on Google Reviews
- $2,000 minimum per trade
- Must fund in USD (no direct BTC contributions per IRS rules)
- 1.50% trading fee on conversions
Swan IRA
Swan IRA lets US residents hold real Bitcoin in a tax-advantaged retirement account. Partnered with Equity Trust, a leading self-directed IRA custodian with over $65 billion in assets and 50+ years of experience. No setup fees, no Roth conversion fees, and available in all 50 states including New York and Texas.
- Hold real Bitcoin, not proxies like GBTC
- No setup, closure, distribution, or transfer fees
- Enterprise-grade custody via Equity Trust ($65B+ AUC)
- Available in all 50 states including NY and TX
- Free Roth conversions
- Swan Private membership included
- Easy onboarding — open account in under 60 seconds
- SEP and SIMPLE IRA account types not directly available (must transfer to Traditional)
- Selling requires contacting support via email
- No on-chain visibility yet (exploring future transparency)
- Not self-custody — Bitcoin held by Equity Trust
Disclaimer: The information provided on this page is for informational purposes only and does not constitute financial or tax advice. Bitcoin IRA products involve investment risk and may not be suitable for all investors. Consult with a qualified financial advisor and tax professional before making any investment decisions. IRA rules and tax implications vary based on your individual circumstances. Some links on this page may be affiliate links.