Better understand our pricing structure and where fees are paid from
Unchained IRA accounts have setup and yearly fees. These fees are for the maintenance and servicing required for these accounts and is charged when you initially set up the account. We will not approve your account until you pay the first year annual fee.
Note: If you have multiple accounts (e.g. a personal account, business account, or trust account), each account will be billed separately. The following fees only apply to IRA accounts. See our Pricing Page for a full list of our fees.
There are three components to Unchained IRA fees:
- Annual account fees
- Bitcoin conversion fees
- Optional: Concierge Onboarding fees and hardware wallets
A breakdown of the fees can be found below.
|
Fee |
When paid |
Paid from |
|
|
Annual IRA account fee |
$250 |
Annually, starting year two |
Personal funds |
|
Bitcoin conversion fee |
At transfer, rollover, or contribution |
Retirement funds |
|
|
Concierge Onboarding (optional) |
$750 |
At setup |
Personal funds |
|
Per hardware wallet (optional) |
$75 |
At setup |
Personal funds |
How much will I be charged at point of order?
If you opt for Concierge Onboarding ($750) plus two hardware wallets ($150), you will pay a total of $900
The IRA account fee ($250) will subsequently be automatically charged every 12 months, starting in year two.
Is it possible to pay the Unchained IRA fees from my retirement account?
Bitcoin conversion fees are paid from your retirement account. The setup fee, annual account fees, and Concierge Onboarding fee must be paid from your personal funds.
See the table at the top of the article for a full breakdown of where each fee should be paid from.
If I set up multiple bitcoin IRAs do I need to pay multiple fees?
Concierge Onboarding fees only need to be paid once—we can set up multiple vaults on a single video call. Two hardware wallets can be used to secure as many vaults as you need. Starting in year two, you have to pay an annual fee for each IRA. If you have one traditional and one Roth IRA, for example, you will pay $500/year.
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.