##  [# Fidelity Now Lets Customers Invest in Crypto in Their IRAs](/sections/news/fidelity-now-lets-customers-invest-crypto-their-iras) 

 

# Fidelity Now Lets Customers Invest in Crypto in Their IRAs

 

 

\- Fidelity Investments quietly launched Crypto for IRAs last week.  
\- Investors now have the opportunity to trade and hold crypto assets in tax-advantaged accounts.  
\- Crypto has become a part of many investors’ portfolios.



 

 

 

 

 [![Malika](/sites/default/files/styles/author_image_icon/public/2025-03/Headshot%203.png?itok=STS0LyKG)](/authors/mallika-mitra) 

[By Mallika Mitra](/authors/mallika-mitra)

 Apr 07, 2025

 Edited by: David Tony

 

 

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Fidelity Investments quietly launched Crypto for IRAs last week amid customer demand, giving its investors the opportunity to trade and hold crypto assets in tax-advantaged accounts.

Clients of the brokerage firm can now invest in Bitcoin, Ether and Litecoin in traditional, Roth or rollover individual retirement accounts (IRAs) with no account opening or maintenance fees. However, Fidelity does charge a spread of 1% on the execution price of crypto transactions, as it does in its taxable crypto accounts. Crypto for IRAs is open to U.S. residents in eligible states who are age 18 or older.

## Fidelity’s Crypto Approach 

For the most part, assets are held in cold storage—offline crypto wallets that are considered more secure than their online counterparts—and custodied by Fidelity Digital Assets. More details can be found on the company’s [website](https://www.fidelity.com/crypto/retirement-ira).

“Fidelity is committed to offering investment products and solutions to meet the changing needs and interests of our customers, accompanied by education and support,” a Fidelity spokesperson told etf.com via a written statement.

Despite its volatile nature, crypto has become a part of many investors’ portfolios: 24% of financial advisors [surveyed](https://www.prnewswire.com/news-releases/nearly-one-quarter-of-financial-advisors-report-majority-of-clients-now-own-digital-assets-dacfp-survey-shows-302364382.html) in the last quarter of 2024 by the Digital Assets Council of Financial Professionals reported that more half of their clients now own digital assets—a 25% jump from the previous quarter.

 
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## FBTC and FETH Lead the Way

The fund-management company, which has long been a major player in the retail trading space, has been working since 2014 to develop a digital assets ecosystem. In 2018, Fidelity launched its first crypto service, and it began offering zero-commission crypto retail trading in 2022.

Since then, it has launched the [**Fidelity Wise Origin Bitcoin Fund (FBTC)**](https://www.etf.com/FBTC) and the [**Fidelity Ethereum Fund (FETH)**](https://www.etf.com/FETH). In March, the company filed with the Securities and Exchange Commission to [launch](https://www.etf.com/sections/news/fidelity-looks-add-spot-solana-etf-crypto-offerings) an ETF that tracks the price of SOL, the native cryptocurrency of blockchain platform Solana.

*Editor's note: This story was corrected to clarify that Fidelity didn't begin offering zero-commmission crypto retail trading until 2022.*



 

 

 [ Mallika Mitra ](/authors/mallika-mitra) 

 

 

  Mallika Mitra is an experienced business and financial journalist. Her work can be found in Barron's, Kiplinger, CNBC, Bloomberg News, Bankrate, USA…   [View Bio](/authors/mallika-mitra)

 



 

 


 Related Topics  [Fidelity](http://www.etf.com/topics/fidelity) 

 [Bitcoin](http://www.etf.com/topics/bitcoin) 

 [Ethereum](http://www.etf.com/topics/ethereum) 

 [Crypto ETFs](http://www.etf.com/topics/crypto-etfs)