Bitcoin IRA
Hold bitcoin in a tax-advantaged retirement account. Traditional and Roth options are now available through Bitcoin Well.
Hold real bitcoin in a tax-advantaged IRA
Most retirement products are not designed to hold bitcoin directly.
We created one that can.
Typical brokerage IRA
Built for conventional investments
- Stocks and bonds
- Mutual funds and ETFs
- Not set up to hold bitcoin directly
What Bitcoin Well has built
An IRA for real bitcoin
- Actual bitcoin held within an IRA structure
- Your holdings can be verified on-chain
With familiar IRA features
- Traditional and Roth options available
- Eligible 401(k)s and IRAs can be rolled over
Getting started is easy
1. Open your Bitcoin IRA
Choose a Traditional or Roth IRA and complete your application.
2. Fund your account
Make an eligible contribution or arrange a rollover.
3. Buy real bitcoin
Purchase bitcoin held in institutional custody for your IRA.
Choose the option that fits your retirement goals
Traditional and Roth IRAs have different tax treatments. Both options can buy and hold bitcoin.
Opening an account is free. Once you make your first contribution, the cost is $210 USD annually.
Taxed later
Traditional IRA
Use eligible contributions to buy bitcoin.
- Grows tax-deferred
- Contributions may be tax-deductible
- Withdrawals in retirement are taxed as income
- Required minimum distributions apply later in retirement
- 2026 contribution limit: $7,500
- Age 50+ limit: $8,600
Taxed now
Roth IRA
Use eligible after-tax contributions to buy bitcoin.
- Grows tax-free
- Contributions are not tax-deductible
- Qualified withdrawals in retirement are tax-free
- No required minimum distributions during the original owner’s lifetime
- 2026 contribution limit: $7,500
- Age 50+ limit: $8,600
Put existing funds to work
Give your old 401(k) a new purpose
Use eligible retirement savings you have already built.
You may be able to roll over an eligible retirement account instead of starting from scratch.
Connect with one of our Executive Bitcoin Advisors to discuss your rollover options.
Three distinct roles
The partners behind your Bitcoin IRA
Bitcoin services, IRA administration, and custody are handled by separate organizations that specialize in each role.
Bitcoin platform
Bitcoin Well
Fund purchases and acquire bitcoin for your IRA.
IRA administration
Heritage IRA
Administration of the tax-advantaged IRA structure.
Bitcoin custody
BitGo
Qualified custody for bitcoin held within an IRA.
Resources
Learn more about Bitcoin IRAs
Want more information? Start here.
Frequently asked questions
Open your Bitcoin IRA today
Hold real bitcoin in your retirement savings, with tax-advantaged Traditional or Roth options.
Bitcoin Well does not provide tax, legal, or investment advice. Information on this page is provided for general educational purposes only and is not a recommendation to open, fund, convert, or roll over an IRA. IRA eligibility, contribution limits, rollover options, and tax treatment depend on individual circumstances and applicable rules. Consult a qualified tax, legal, or financial professional regarding your situation.