Account + Transaction Fee Structure

Simple, transparent pricing every day

Calculate Your Account Fee

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

We don’t believe in hidden charges and we work hard to offer the best pricing in the industry. No surprises. No hidden fees. Nothing between you and your retirement savings.



monthly account admin fee

Per Transaction Fees

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

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.

Pricing FAQ

How do I pay for account admin fees?

We accept all major credit cards for monthly account admin fees.

How much are transaction fees?

When you buy or sell cryptocurrencies, a fee of up to 1.5% of your order size is included in your transaction.

Do you charge anything else, in addition to transaction fees and monthly account fees?

No. We don’t have research fees, any cost for ACH transfers or minimum balance requirements.

Will there be penalties for transferring my assets?

No. Your transferring custodian may charge a fee to transfer cash to your AltoCrypto IRA.

Are there investment minimums?
Our mission is to democratize access to alternative investments. The investment minimum is only $10.

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Cryptocurrencies and cash held in your Alto CryptoIRA will remain tax-sheltered unless otherwise withdrawn or distributed from your IRA.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.

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 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.

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