Fidelity Crypto® for IRAs
Unlock tax benefits while building your crypto retirement portfolio
Diversify your retirement strategy with cryptocurrency investments through a Fidelity Crypto® IRA account.
Begin your journeyFidelity Crypto® is offered by Fidelity Digital Assets®
Simple setup process
Zero account fees and no minimum balance requirements.
Complete solution
Secure storage and seamless trading in one integrated platform.
Enterprise security
Your digital assets protected by industry-leading security protocols.
Choose the perfect IRA structure for your cryptocurrency retirement goals
Fidelity Crypto® Roth IRA
Tax-free withdrawals
Build your crypto wealth and enjoy tax-free distributions when you retire with a Roth IRA structure.
Fidelity Crypto® Traditional IRA
Tax-deferred compounding
Maximize your retirement savings with tax-deferred growth on cryptocurrency investments.
Fidelity Crypto® Rollover IRA
Consolidate and grow
Transfer existing retirement funds into crypto investments with tax-deferred benefits.
Need help choosing the right IRA? Compare IRA options and find your match
Your path to crypto retirement investing
Create your Crypto IRA account
Start by opening your Fidelity Crypto® IRA. We'll automatically set up a connected brokerage IRA account if you don't already have one.
Deposit funds
Move money into your brokerage IRA account, then seamlessly transfer it to your Fidelity Crypto® IRA for trading.
Start trading digital assets
Begin buying and selling cryptocurrencies. Your investment gains enjoy tax advantages—tax-free withdrawals with Roth IRAs or tax-deferred growth with Traditional and Rollover IRAs.
Fidelity Crypto® is offered by Fidelity Digital Assets®
Fidelity brokerage IRA is offered by Fidelity Brokerage Services, LLC.
Crypto is for investors with a high risk tolerance.
Bank-level protection for your digital assets
Experience the same enterprise-grade security that Fidelity Digital Assets® has delivered since 2018. Most of your cryptocurrency is stored in offline cold storage wallets, completely isolated from internet threats, ensuring maximum protection for your investments.
Explore our security measures and protocolsFrequently Asked Questions
Live market analysis
Tune into our engaging live sessions covering cryptocurrency trends, blockchain technology fundamentals, and practical guidance for using Fidelity Crypto®.
Additional resources and support
Master the fundamentals
Comprehensive guides covering everything from blockchain basics to cryptocurrency investing strategies.
Explore Crypto Basics
Advanced strategies
Dive deeper into sophisticated crypto investment techniques and portfolio management approaches.
Discover Advanced Topics
Round-the-clock support
Access instant answers through Fidelity Crypto® Help. Our virtual assistant is available 24/7 via mobile app and web platform.
Get help nowJoin Fidelity's Decode Crypto newsletter
Receive monthly insights that simplify cryptocurrency investing. Learn at your own speed with professional guidance and practical examples. Be the first to know about new Fidelity Crypto® platform features and updates.
Discover additional cryptocurrency opportunities
Multiple paths to crypto investing
Discover Fidelity's expanding range of cryptocurrency investment options, including specialized digital asset funds and diversified portfolios.
View all cryptocurrency investment optionsUnified trading platform
Execute cryptocurrency trades alongside your traditional stock and ETF investments from a single, integrated platform.
Discover Fidelity Crypto® features1. A qualified distribution from a Roth IRA is tax-free and penalty-free, provided the 5-year aging requirement has been satisfied and one of the following conditions is met: age 59½ or older, disability, qualified first-time home purchase, or death.
Offerings and account features are subject to account eligibility
Fidelity Crypto® for IRAs is offered by Fidelity Digital Assets®
Investing involves risk, including risk of total loss.
Crypto as an asset class is highly volatile, can become illiquid at any time, and is for investors with a high risk tolerance. Crypto may also be more susceptible to market manipulation than securities. Crypto is not insured by the Federal Deposit Insurance Corporation, the Securities Investor Protection Corporation, or any other government agency, and is not an obligation of any bank.
Investors in crypto do not benefit from the same regulatory protections applicable to registered securities. Fidelity Crypto® accounts and custody and trading of crypto in such accounts are provided by Fidelity Digital Assets, National Association, which is a national trust bank. Brokerage services in support of securities trading are provided by Fidelity Brokerage Services LLC ("FBS"), and related custody services are provided by National Financial Services LLC ("NFS"), each a registered broker-dealer and member NYSE and SIPC.