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What are the fees for Unchained IRA accounts?

Better understand our pricing structure and where fees are paid from

Unchained IRAs have yearly fees, trading fees, and fees charged by Fortis Bank. These fees cover the maintenance and servicing required for these accounts.

Note: If you have multiple accounts, like personal, IRA, or business accounts, you’ll need to make changes within each account separately. Visit our pricing page to see a full breakdown of Unchained’s annual fees.

The components to Unchained IRA fees:

  • Annual vault fees
  • Bitcoin trading fees
  • Optional: Concierge Onboarding fees and hardware wallets
  • Fees charged by Fortis Bank

Fees charged by Unchained

 

Fee

When paid

Paid from

Annual vault fee

$250

Annually, starting year two with Concierge Onboarding, or annual at setup without Concierge Onboarding

Personal funds

Bitcoin trading fee

1.5% trading fee

When buying or selling bitcoin using your IRA cash balance

Retirement funds

Concierge Onboarding (optional)

$895

At setup

Personal funds

Per hardware wallet (optional)

$75

At setup

Personal funds

Common Fees charged by Fortis Bank

Please refer to the Fee Schedule on page 55 of the Unchained IRA agreement for a full list of Fortis Bank fees. Contact our team at ira@unchained.com for any questions.

 

Fee

When paid

Paid from

Outbound Wire Fee

$35

When Fortis sends client funds via wire transfer

Retirement funds

USD Roth Conversion

$100

When a client converts a USD Traditional funding into a Roth IRA.

Retirement funds or personal funds (if paid separately before funds are received)

USD Distribution or Transfer-Out

$25

When a client executes an IRA distribution.

Retirement funds

Federal Tax Withholding (optional)

$25

When a client executes an IRA distribution in USD

Retirement funds

Account Termination

$150

Paid when closing the account and transferring your balance out

USD outbound transfers: Retirement funds.


In-kind outbound transfers: No fees apply.

 

Note: No contents of this post may be relied upon as tax, legal, or financial advice, as they have not been tailored to you and have not been reviewed by any attorney, financial advisor, or tax professional. For any questions related to your own specific situation, please consult with your own attorney, tax professional, and/or licensed financial advisor.