Lower IRA fees for everyone.

We don’t believe in hidden charges, investment minimums, or commissions. And there’s no need to download a fee schedule to see what it will cost you. Everything is right here for you to see.

(Spoiler: Unlike other custodians, we’re into pricing that actually fits on one page. This page, to be exact.)

Alto® IRA

Administrative FeeProStarter
Or $250/year (get two months free!)Or $100/year (get two months free!)
Per-Investment Fees
Partner Investment Fee* $10/$50$10/$50
Private Investment Fee$75
Optional Service Fees
Add Checkbook+ (One-Time LLC Setup Fee)$500
Outbound Wire Transfers$25$25
Account Closure$50$50
Account Fee Includes
Account Setup
Account Funding
Tax Reporting
E-Statement Delivery
Roth Conversion
Asset Re-Registration

*A partner investment fee covers the expense incurred each time we execute an investment on your behalf.

Alto CryptoIRA™

Administrative Fee
Account Fee$2/mo-$25/mo
A 1.00% annual account fee—charged 0.083% monthly and equating to a dollar amount ranging from $2-$25/month, with a minimum of $2.00/month and a maximum of $25.00/month—is based on your average CryptoIRA balance during the prior 30 day period.
Per-Transaction Fee
Trade Fee*1.5%
Optional Service Fees
Account Closure$50
Outbound Wire Transfer$25
Account Fee Includes
Account Setup
Account Funding
Tax Reporting
E-Statement Delivery
Roth Conversion

*A fee of 1.5% of the order size is included per transaction.

Questions before you get started?


If your portfolio includes private investments, assets you have re-registered with Alto, and/or you have added Checkbook+ to your IRA, then you will be in the Pro plan. Customers who have exclusively utilized our investment partners will be in the Starter plan.

You will be charged monthly on the day you opened your account. (Example: If you opened your account on April 8th, you will be billed every month on the 8th.) 

Yes! Simply log into your account, go to your settings, and change your billing preference.

Yes. You may proactively upgrade from Starter to Pro if you anticipate making a private investment or using the additional services included in Pro. If you are in the Starter plan, you will be prompted to upgrade to Pro if you’re making a private investment, re-registering assets, or adding Checkbook+ to your account.

You will be charged the investment fee when you e-sign for your investment.

Yes. If your account is funded and you choose to close it, an account closure fee will apply.

A “Checkbook IRA” is a type of IRA that gives investors the ability to write checks directly from their IRAs and is often utilized to facilitate real estate transactions and ongoing maintenance of real estate property. We charge a one-time fee of $500 to help you set up your LLC to gain check writing control of your IRA.

No, you cannot currently pay for your account fees from your cash balance. This option is not yet available, but we’re working on this capability for the future! Stay tuned.

Investments via our preferred partners are $10 per investment. Investments via our other partners will be a $50 fee per investment. See our list of partners.

We accept all major credit and debit cards.

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

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.

‍Alto is dedicated to providing transparent, straightforward pricing—no phone calls required. The fees are as follows:

(1) 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 and capped at $25/month. This fee is based upon the average account balance held in your AltoCrypto IRA during the previous month.

(2) Trade fees: When you buy or sell cryptocurrencies, a fee of up to 1.5% of your order size is included in your transaction.

For more information, click here