Act now! Get your monthly account admin fee waived through August 31st.

Invest in Crypto with an Alto CryptoIRA

Trade all Crypto Tax-Free*

No monthly account admin fees through Aug 31!

Start Investing



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Meet the Alto CryptoIRA

For the first time ever you can invest in Bitcoin, Ethereum, Ripple, Litecoin and other cryptocurrencies with tax-advantaged retirement funds directly on the Coinbase exchange through Alto

With an Alto CryptoIRA - a Traditional, Roth or SEP IRA account created specifically for Bitcoin and cryptocurrency investing - you can buy, sell, and hold every cryptocurrency available on Coinbase. 

No monthly account admin fees through August 31st!

Open My Account

Easy to Open, Fund, & Invest in Crypto

With an Alto CryptoIRA, just open and fund a Traditional, Roth, or SEP IRA account, then get ready to invest. An Alto CryptoIRA is specifically designed for cryptocurrency investment:

  • Custody with Coinbase, considered a leader for cryptocurrency security
  • Tax-free, 24/7 trading
  • Investment minimums as low as $10
  • No monthly account admin fees through 8/31/2020

Get Started


Simple Pricing For Crypto IRA Account

AltoIRA has simple and no-hassle pricing, so you can invest more of your money. 

  • Account Fee: 1.00% Annually (billed at .083% every month)
  • Trade Fee: 1.5% of order size

See the FAQ section below for more information on pricing. 

Act now: Get your monthly account admin fees waived through August 31st.

Invest With Your IRA

Things You May Want to Know

How does an Alto CryptoIRA differ from other IRAs?

The Alto CryptoIRA is designated by you as either a Traditional, Roth or SEP Alto IRA, but it can only hold cash and investments in cryptocurrencies. Out of an abundance of tax caution, we do not allow you to invest in non-crypto related assets from your Alto CryptoIRA. You may, however, open additional Alto IRA accounts to make non-crypto related investments. When investing in cryptocurrencies with an Alto CryptoIRA, you do not need to create an LLC and there is only a $10 investment minimum on market orders.


What retirement accounts are eligible to be rolled into the Alto CryptoIRA?

You can rollover or transfer funds from an existing Traditional, Roth or SEP IRA, 401(k), SIMPLE IRA or 403(b), subject to applicable legal limits.

What type of Alto CryptoIRA may I open?

You may open a Traditional, Roth or SEP Alto IRA when setting up your Alto CryptoIRA. 


I'm an existing Alto customer, do I need to set up a new account?

If you have an existing Alto IRA account for non-crypto related investments, please open a separate account for cryptocurrency investments. Run into any snags? We’re here to help.

How can I open my Alto CryptoIRA?

To open your Alto CryptoIRA account, register as an “Investor” when you select “Alto Account Type." Prepare to invest by funding your Alto CryptoIRA and adding a credit card.

How does the Alto CryptoIRA work with Coinbase?

After funding your Alto CryptoIRA you can invest through Alto’s interface in any cryptocurrency offered on the Coinbase exchange. All cryptocurrency is held in a digital wallet at Coinbase. Our team takes care of annual tax reporting and is available to answer any questions.

What if I live in California, where I've heard about high annual fees for crypto IRAs?

Many crypto IRA solutions require investing through an IRA-owned LLC, which results in a minimum $800 Annual Franchise tax for California residents. The Alto CryptoIRA eliminates the need for and high costs associated with IRA-owned LLCs.


What if I want to withdraw my cash?

If you choose to withdraw or distribute cash or property from your IRA before the age of 59 ½ without a qualifying life event, you will incur tax penalties. Cash can be transferred to another IRA custodian of your choice at any time for free and without tax penalties. 

What cryptocurrencies are available for IRA investment?

Almost every cryptocurrency available on Coinbase. View a full list.

What are the fees for an Alto CryptoIRA?

Alto is dedicated to providing transparent, straightforward pricing, no phone calls required:

  • Monthly account admin fee: On the first of the month, a 0.083% fee (equaling 1.00% annually) is charged to your credit card on file, with a minimum charge of $2.00 per month. This fee is based upon the average account balance held in your AltoCrypto IRA during the previous month.
  • Trade fees: When you buy or sell cryptocurrencies, a fee of up to 1.5% of your order size is included in your transaction.

Is Coinbase safe and secure?

Coinbase is a recognized industry leader in cryptocurrency security. Read more about Coinbase’s security and insurance policies here

How do taxes work?

Cryptocurrencies and cash held in your Alto CryptoIRA will remain tax-sheltered unless otherwise withdrawn or distributed from your IRA. Alto reports your IRA account value to the IRS annually. Separate gains and losses from individual trades within an IRA are not reported. 

How soon may I trade?

You may transfer funds to the Coinbase exchange for investment in cryptocurrencies immediately following the legally mandated 7-day waiting period whenever an IRA account is opened.

Will there be penalties for transferring my cash from my existing IRA account to Alto?

There are no tax penalties. However, your transferring custodian may choose to charge a transfer fee. Alto does not charge such fees.

Are there investment minimums?

Our mission is to democratize access to alternative investments. The investment minimum is only $10 on market orders.

Can I transfer cryptocurrencies from another wallet into my Alto CryptoIRA?

No. We’ll let you know as soon as we can support crypto transfers! In the meantime, our support team can help you liquidate and transfer cash from another IRA to your Alto CryptoIRA.

Can I transfer cryptocurrencies out of my Alto CryptoIRA?

No. You cannot transfer digital currencies from your Alto CryptoIRA, but you can liquidate and use the funds for other IRA investments. Reminder, if you withdraw or distribute cash or property from an IRA when you are under age 59 ½ without a qualifying life event, you will incur tax penalties.

Will I receive tokens derived from hard forks?

Coinbase attempts to ensure, but cannot guarantee, that investors receive new cryptocurrency derived from hard forks.

* Taxes on qualified retirement account investments are deferred until qualified withdrawal. ROTH IRA investments may be withdrawn tax-free. Interim gains and losses within a retirement account are not reported or taxed. Individual tax obligations may vary. Consult your tax advisor before making investments.