Alto IRA
Alto CryptoIRA
Checkbook+ IRA

Invest in Crypto for Less

Monthly account admin fees are waived thru 8/31.
Now’s the time to open an Alto CryptoIRA.

Calculate Your Account Fee

Slide the bar over your account value to estimate your monthly fee


We don’t believe in hidden charges, high investment minimums or setup fees. The custodial fee is 1% annually, and there is a 1.5% trade fee charged per transaction. Monthly account admin fees are waived thru 8/31.

Set-Up Fee


Monthly Account
Admin Fee

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. This fee is based upon the average account balance held in your AltoCrypto IRA during the previous 30 day period.

Per Transaction Fees

A fee of up to 1.5% of your order size is included in your transaction.

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 IRA when setting up your Alto CryptoIRA.

Do I need to be an Accredited Investor to sign up?
No. Alto supports non-accredited investors as well as accredited investors. Anyone can create an AltoIRA account, though some offerings are only open to accredited investors. This determination is entirely up to the issuer or investment platform and may vary by type of offering.

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: (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. 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.

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.

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