--- title: "SwanBitcoin | #1 Bitcoin IRA Trusted by 120K+ (4.6/5 Stars)" description: "Swan Bitcoin IRA is the only trusted & verified Bitcoin IRA retirement platform on the market. Leverage Bitcoin’s Asymmetric Growth Tax-Free." url: https://www.swanbitcoin.com/bitcoin-ira/ --- # SwanBitcoin | #1 Bitcoin IRA Trusted by 120K+ (4.6/5 Stars) Swan Bitcoin IRA is the only trusted & verified Bitcoin IRA retirement platform on the market. Leverage Bitcoin’s Asymmetric Growth Tax-Free. --- Swan IRA # More than a Plan. A Partnership. Open your AccountTalk to the Team If you are planning to transfer or roll over more than $50,000, our Swan Private team will assist you. [Get started here ](#) [Trustpilot](https://www.trustpilot.com/review/swanbitcoin.com) [Trustpilot](https://www.trustpilot.com/review/swanbitcoin.com) ## Why Choose Swan Bitcoin IRA? ### Real Bitcoin What’s better than buying Bitcoin? Enjoying the benefits of Bitcoin’s long-term potential in a tax-advantaged account. Hold real Bitcoin, not proxies. ### Enterprise-grade Custody Swan has partnered with Equity Trust, a leading self-directed IRA custodian with over $65 Billion in assets under custody. They have an impressive 50-year legacy offering innovative retirement solutions. ### Traditional and Roth IRAs Your retirement, your choice. You can move funds from SEP IRA, SIMPLE IRA, or an old 401(k)/IRA into a Traditional and Roth Swan IRAs. ### Easy Onboarding Opening a new Swan Bitcoin IRA is a breeze. You can do it in less than 60 seconds! Initiate a transfer or rollover and soon you’ll be holding real Bitcoin in your new IRA. ### Simple and Transparent Fees The fees are 0.02% of assets on platform (AOP), with a $20 minimum. Bitcoin buys and sells are charged a 1% fee. ### Swan Private Included Your IRA account qualifies you for Swan Private so you can enjoy our personalized services, Bitcoin and macro research, and exclusive events. ### Available to all US ResidentsNew We are live in 50 states, including New York and Texas. Open your AccountTalk to the Team If you are planning to transfer or roll over more than $50,000, our Swan Private team will assist you. [Get started here ](#) ## Why Bitcoin is the Ultimate Asset for your IRA Featured on Here’s what Swan IRA clients are saying > Swan was super helpful. They made it possible for me to set up an IRA transfer in cash. > > — Rachel ## Secure your financial future Open your AccountTalk to the Team If you are planning to transfer or roll over more than $50,000, our Swan Private team will assist you. [Get started here ](#) Funding your account is easy ## 3 Ways to Fund Your Swan Bitcoin IRA[\*](#disclaimer) ### Transfer Transfer funds from your existing Traditional, Roth, SEP or SIMPLE IRA. No penalties or taxes apply to like-for-like transfers\*. ### Rollover Initiate a rollover from an old 401(k) and 403(b) into your Bitcoin IRA with no taxes or penalties\*. ### Contribute Contribute to your Bitcoin IRA via wire transfer. ## Do you want to work with our experts? Swan Private offers a dedicated team of Bitcoin experts to support you throughout your Bitcoin journey. If you are planning to create a Swan Bitcoin IRA and transfer or rollover more than $50,000, one of our Swan Private experts will personally guide you through every step of the process and beyond. Talk to the Team ## Common Questions ### Who is eligible to open a Swan Bitcoin IRA? Swan IRA is available to all United States residents (including New York and Texas) who are 18 years or older. ### What are the benefits of a Bitcoin IRA account? Both Traditional IRAs and Roth IRAs have tax advantages: * Traditional IRAs typically have pre-tax contributions that grow tax-deferred until disbursement. * Roth IRAs typically have post-tax contributions that grow completely tax-free. Swan IRA is a great way to capture Bitcoin’s long-term potential in a tax-advantaged way without the tracking error that many proxies have. On top of that, unlike when you trade Bitcoin outside a tax-advantaged account, doing so within an IRA allows you to avoid the often-tedious process of reporting trades on your taxes each year. ### Where is my Bitcoin IRA custodied? Equity Trust is a leading self-directed IRA custodian with over $52 Billion in assets under custody. They have an impressive 50-year legacy offering innovative retirement solutions. We’ll be launching new accounts types in 2025 including SEP IRA, Solo 401(k)s, and HSAs. ### Can I self-custody Bitcoin with Swan IRA? Swan has supported many clients through this process. There are a few important considerations when thinking about IRAs and self-custody, such as the McNulty tax case from 2021. If you would like to learn more, one of our experts is happy to help you achieve your retirement goals and self-custody needs. Please reach out to [ira@swan.com](mailto:ira@swan.com) for more information. ### What are the fees for Swan Bitcoin IRA? Swan IRA has simple and transparent fees. There are no hidden fees, account minimums, or surprise charges. You know exactly how much you pay for Swan IRA. Below is our fee schedule: | Setup Fee | $0 | | ----------------------------- | -------------------------------------- | | Monthly Fee | 0.02% Assets on Platform / $20 minimum | | Bitcoin Trading Fee | 1.00% | | Transfer, Rollover, Wire Fees | $0 | | Account Closure Fee | $0 | | Hidden Fees | None | The transaction fee is 1.00% funded from IRA funds. All administration fees will be charged monthly from external funds and not your IRA balance, per IRS regulations. ### Do I have to transfer my entire IRA balance to my Swan Bitcoin IRA? No, you can select a partial transfer and only move a portion of your IRA balance. ### Will I pay taxes on a transfer or rollover into my Bitcoin IRA? No. As long as you are transferring like-for-like, there are no taxes due to a transfer or rollover. A like-for-like transfer means transferring funds from an existing Traditional IRA to a Swan Bitcoin Traditional IRA or from an existing Roth IRA to a Swan Bitcoin Roth IRA. ### What should you know about your Swan Bitcoin IRA? The Swan Bitcoin IRA is one of the highest rated services in the industry. Our fees are also competitive with every other provider. What truly sets us apart is our award-winning customer service and the ease of getting on a phone call with an expert representative. [To learn more, check our FAQs (opens in a new tab)](https://help.swanbitcoin.com/hc/en-us/articles/7574438119319-What-is-the-Swan-IRA-How-does-it-work-) ### Want to stay updated on Swan Bitcoin IRA? Join our mailing list to receive the latest news and updates about Swan IRA Sign up ## Swan IRA News & Publications ### [Why Bitcoin is the Ultimate Asset for your IRA](/why-bitcoin-is-the-ultimate-asset-for-your-ira/) Adding Bitcoin to your IRA can provide asset diversification, as well as the potential for higher returns and a measure of protection against monetary debasement. ### [Best 5 Bitcoin & Crypto IRAs for July 2024: Which Wins?](/crypto-iras/) This guide breaks down the top Bitcoin IRAs and Crypto IRAs of 2023 and shows you how to pick the best one for your goals and situation. ### [Secure Your Retirement With Swan IRA](/secure-your-retirement-with-swan-ira/) … and advance Bitcoin adoption while doing it. \* Taxes might apply for Traditional (pre-tax) and Roth (post-tax) IRAs. Please speak with your Swan representative for details & consult your CPA