Fidelity Crypto® for IRAs
A tax-advantaged way to invest directly in crypto
Add crypto to your retirement portfolio with a Fidelity Crypto® IRA.
Fidelity Crypto® is offered by Fidelity Digital Assets®
Easy to get started
No fees for account opening or maintenance.
One-stop shop
Get crypto custody and trading—all under one roof.
Trade with confidence
Know your crypto is held on a secure platform at an established firm.
Invest in crypto with an IRA that best fits your retirement needs
Fidelity Crypto® Roth IRA
Tax-free growth
Invest in crypto and get the potential for tax-free growth in a Roth IRA.
Fidelity Crypto® Traditional IRA
Tax-deferred growth
Invest in crypto and grow potential earnings tax deferred in a traditional IRA.
Fidelity Crypto® Rollover IRA
Tax-deferred growth
Invest in crypto and get tax-deferred growth potential in a rollover retirement account.
Not sure which IRA you need? Learn more about different IRA types
How to get started
Open a Fidelity Crypto® IRA
At the same time, you'll link an eligible corresponding brokerage IRA to it. Don't worry—we'll open one of those for you if you don't have one.
Fund and transfer
Add money into your brokerage IRA, then transfer to your linked Fidelity Crypto® IRA.
Buy and sell crypto
Depending on the type of Fidelity Crypto® IRA you choose, your potential gains can be tax-free! (Roth) or tax-deferred (traditional or rollover).
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.
Keeping your crypto secure
Fidelity Crypto® gives you the same institutional-level security Fidelity Digital Assets® has provided since 2018. Fidelity Digital Assets® delivers best-in-class custody with the majority of crypto held in highly secure cold storage, which are digital wallets not connected to the internet.
Learn about safety and security with Fidelity Crypto®Fidelity Crypto® for IRAs FAQs
Streaming insights
Our interactive episodes keep you updated on crypto markets, blockchain basics, and how to use Fidelity Crypto®.
More help from Fidelity
Level up your knowledge
Go beyond the basics with more advanced crypto topics.
Visit Crypto: Beyond the Basics
24/7 help at your fingertips
Visit Fidelity Crypto® Help for lightning-fast answers. Get 24/7 virtual assistance, available in-app and online.
Go to Fidelity Crypto® HelpSubscribe to Fidelity's Decode Crypto newsletter
Crypto clarity, delivered right to your inbox each month. Build your knowledge at your own pace with expert tips and real-world applications. Plus, stay in the know when new Fidelity Crypto® features launch.
Explore more crypto options
Many ways to go crypto
Explore the growing crypto opportunities at Fidelity, including funds focused on digital assets.
See all your ways into cryptoCrypto trading with Fidelity
Trade crypto like bitcoin and ethereum in the same place where you trade stocks.
Learn more about Fidelity Crypto®1. 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.