Fidelity Crypto IRA Fees and Minimums Breakdown is a structured fee analysis showing that Fidelity Crypto accounts feature a $0 minimum opening balance and $0 account maintenance fees, with execution costs built into a 1% spread on trades, alongside zero direct incoming rollover charges. Quick Verdict: Fidelity Crypto IRA Cost Summary Fidelity Crypto IRA Fees and Minimums Breakdown Table Fee Category Fidelity Crypto IRA Charge Industry Average (Self-Directed IRA) Cost Impact Minimum Opening Balance $0 $1,000 – $3,000 Low entry barrier Setup / Onboarding Fee $0 $50 – $250 Zero upfront cost Annual Maintenance Fee $0 $240 – $300 High long-term savings Trading Fee / Spread 1% spread 1% – 2% transaction fee Competitive for spot trades Custody Fee $0 0.05% – 0.50% AUM Free institutional cold storage Outgoing Wire Fee $0 (Standard electronic) $25 – $30 No withdrawal penalty from Fidelity Termination / Closure Fee $0 $100 – $250 No lock-in penalties To speak with an IRA specialist and get step-by-step guidance on initiating your rollover. Operational Friction and Processing Delays During Crypto IRA Transfers Transferring retirement assets into or out of a crypto-enabled account often encounters administrative hurdles due to strict custodian protocols. 1. Liquidation Requirement Delays 2. Name and Tax ID Mismatches 3. Check Payee Formatting Errors Need immediate assistance resolving a stuck transfer or liquidating positions correctly? Dial to reach a dedicated rollover agent. Fidelity Crypto IRA vs. Alternative Crypto IRA Cost Comparison Fee Category Fidelity Crypto IRA iTrustCapital Bitcoin IRA Choice by Kingdom Trust Account Minimum $0 $1,000 $3,000 $0 Monthly / Annual Fee $0 $0 $240/year (Tiered) $10/month or $0 (Trade plan) Trade Execution Fee 1% spread 1% flat fee 1% – 2% fee 1% or fixed trading fee Asset Selection BTC, ETH 35+ Coins 60+ Coins BTC, ETH, Stocks, ETFs Frequently Asked Questions (FAQ)