Fidelity Crypto® for IRAs A tax-advantaged way to invest directly in crypto

Add crypto to your retirement portfolio with a Fidelity Crypto® IRA.




Fidelity Crypto® is offered by Fidelity Digital Assets®


Easy to get started

No fees for account opening or maintenance.


One-stop shop

Get crypto custody and trading—all under one roof.


Trade with confidence

Know your crypto is held on a secure platform at an established firm.

Invest in crypto with an IRA that best fits your retirement needs


Fidelity Crypto® Roth IRA

Tax-free growth

Invest in crypto and get the potential for tax-free growth in a Roth IRA.



Fidelity Crypto® Traditional IRA

Tax-deferred growth

Invest in crypto and grow potential earnings tax deferred in a traditional IRA.



Fidelity Crypto® Rollover IRA

Tax-deferred growth

Invest in crypto and get tax-deferred growth potential in a rollover retirement account.


How to get started


  1. Open a Fidelity Crypto® IRA

    At the same time, you'll link an eligible corresponding brokerage IRA to it. Don't worry—we'll open one of those for you if you don't have one.

  2. Fund and transfer

    Add money into your brokerage IRA, then transfer to your linked Fidelity Crypto® IRA.

  3. Buy and sell crypto

    Depending on the type of Fidelity Crypto IRA you choose, your potential gains can be tax-free1 (Roth) or tax-deferred (traditional or rollover).




Fidelity Crypto® is offered by Fidelity Digital Assets®
Fidelity brokerage IRA is offered by Fidelity Brokerage Services, LLC.

Crypto is for investors with a high risk tolerance.

Keeping your crypto secure


Fidelity Crypto® gives you the same institutional-level security Fidelity Digital Assets® has provided since 2018. Fidelity Digital Assets® delivers best-in-class custody with the majority of crypto held in highly secure cold storage, which are digital wallets not connected to the internet.



Learn about safety and security with Fidelity Crypto®

Fidelity Crypto® for IRAs FAQs

Watch Covering Crypto Livestream

Streaming insights


Our interactive episodes keep you updated on crypto markets, blockchain basics, and how to use Fidelity Crypto®.


Watch the livestream


More help from Fidelity

Knowledge is power

Everything you need to know about the fundamentals of crypto.


Visit Crypto Basics

Level up your knowledge

Go beyond the basics with more advanced crypto topics.


Visit Crypto: Beyond the Basics

24/7 help at your fingertips

Visit Fidelity Crypto® Help for lightning-fast answers. Get 24/7 virtual assistance, available in-app and online.


Go to Fidelity Crypto® Help

Subscribe to Fidelity's Decode Crypto newsletter

Crypto clarity, delivered right to your inbox each month. Build your knowledge at your own pace with expert tips and real-world applications. Plus, stay in the know when new Fidelity Crypto® features launch.

Explore more crypto options


Many ways to go crypto

Explore the growing crypto opportunities at Fidelity, including funds focused on digital assets.


See all your ways into crypto


Crypto trading with Fidelity

Trade crypto like bitcoin and ethereum in the same place where you trade stocks.


Learn more about Fidelity Crypto®