# Choice: Bitcoin in your IRA — Stack Sats, Crypto & Stocks > Retirement account for investing in Bitcoin, crypto, stocks, and alternative assets. (iPhone/iPad app by Choice Holdings Incorporated.) - Source: https://appshunter.io/ios/app/choice-bitcoin-in-your-ira/id1563472237 (this page in markdown: same URL + `.md`) - Developer: [Choice Holdings Incorporated](https://appshunter.io/developer/1502047794) - Category: Finance, Lifestyle - Price: Free - Rating: 4.70/5 from 1,497 App Store ratings · 77 written reviews indexed - Age rating: 4+ - Requires: iOS 15.6 · 77 MB - Languages: American English - Released: 2021-08-05 - Data updated: 2026-08-26 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/choice-bitcoin-in-your-ira/id1563472237/reviews.md ## What is Choice? Choice helps you save more for retirement by giving you a shot at free bitcoin every single day. With Choice, you can invest in bitcoin, crypto, stocks, and thousands of other assets all in the same retirement account. No set-up fees, no minimums – just more choices for your hard-earned money. Choice App is the way smart investors are converting their cookie cutter 401(k)s and IRAs into bitcoin, crypto or whatever other alternative they desire. WHAT IS CHOICE? When you open a Choice Account, you are opening an Individual Retirement Account -- an IRA for short. Investing in an IRA means you pay NO CAPITAL GAINS TAXES. You read that right, while you are building your bitcoin stack or trading stocks and other crypto from a Choice IRA - you don't pay any capital gains on your trades or investment returns. And if you’re eligible for a Roth IRA, you won’t owe any taxes -- ever. WIN BITCOIN EVERY DAY WITH BLINKO When you open a Choice Account, you can play to win free bitcoin every single day by playing Blinko. The set it and forget mindset isn’t working – so we’re paying you to pay attention to your savings. Just open Choice App and drop your daily chip to win. WHAT OTHER TYPES OF RETIREMENT ACCOUNTS DOES CHOICE SUPPORT? It doesn't matter if you are starting a new tax-advantaged account or rolling over an existing 401(k) -- we've seen it all. Today, we support all flavors of an IRA -- Roth, Traditional or SEP and we also support Solo 401(k)s. WHAT CAN I DO FROM THE CHOICE APP? From the Choice mobile app, you can: + Setup a new Choice IRA + Play Blinko once a day and you'll get a chance to win free bitcoin in your retirement account + Link bank accounts and initiate contributions + Mange your portfolio from anywhere + Buy or sell digital assets 24/7 + Buy or sell stocks and ETFs during market hours + Get real-time insight into estimated tax savings, gains/losses and more + Refer-a-friend and you both get a bitcoin reward WHO WE ARE Choice helps enable thousands of investors to hold digital and other alternative assets in their retirement accounts through Digital Trust. Digital Trust is an independent qualified custodian that is registered and regulated in the state of Nevada. Digital Trust does not provide, promote, endorse or sell investment products and does not endorse or promote any individual investment advisor or investment sponsor. The accountholder must direct all investment transactions and choose the investments for the account. Digital Trust has no responsibility or involvement in selecting any investment. Digital Trust does not provide tax, legal or investment advice. The contents hereof are for informational and educational purpose only and should not be construed as anything other than informational and educational. For more information on Choice, please visit choiceapp.io ## Key features - Invest in Bitcoin, crypto, and stocks - Tax-advantaged retirement accounts (IRA, 401k) - Daily chance to win free Bitcoin (Blinko) - No setup fees or minimums - Roll over existing 401(k)s - Manage portfolio and trade 24/7 ## What do users think of Choice? Overall sentiment: negative **Pros** - 🚀 Easy to use app - 💡 Ability to invest in crypto in IRA - 👍 Simple and clean interface - 🚀 Smooth app experience **Cons** - 💰 High and hidden fees - 🔒 Data breach and security concerns - 🐛 Buggy software and glitches - 🔒 Difficulty withdrawing funds - 💰 Exorbitant monthly fees **Commonly reported bugs** - Login and withdrawal issues - Inconsistent fee information - Disappearing account balances **Most requested features** - Instant deposits and trading - Improved account statements and transparency - More crypto asset options ## Recent user reviews (10 of 77) All indexed reviews: https://appshunter.io/ios/app/choice-bitcoin-in-your-ira/id1563472237/reviews.md ### 5/5 — Great Updates *2026-05-13, version 2.25.0* Long time user and always had awesome service here. Happy with bitcoin and Choice for the option! ### 4/5 — Outrageous fees *2026-01-16, version 2.25.0* Update: customer support reached out to me and resolved the fee issue. As long as they follow their promises.. I started accounts with them when they were still Kingdom Trust. At that time they charged 1% to sell or buy, which is high, but it was in-line with the competition. Now they charge both an exchange fee and a Choice fee, this would be 3.2%. They also do not allow a swap so if you are trying to trade from Solana to Bitcoin you will pay another 3.2%. So let me get this straight. They charge 6.4 %for a swap! I am moving my accounts, request from them instructions on how to do in-kind transfer. ### 1/5 — High Fees - Better Options *2025-12-15, version 2.25.0* Had my Account with Choice for 4 years before transferring it out due to the outrageous high fees they charge. Each month I was charged a super high monthly fee for just having my account open and funds invested in BTC. I didn’t trade much but there are also pretty high trading fees if trading large amounts and many other fees that they charge for that other brokerages don’t. Sure you can win a few sats playing blinko but then you’ll get hit with insane fees for your Account. During my 4 years with them there was no major feature releases or improvements. They had in their road map to allow instant deposits and trading but never implemented it. So any deposit you make takes 3-4 days to clear before you can trade, which makes buying any BTC dips impossible. They also do not provide monthly, quarterly, or any Account Statements available in your account. You have to submit a customer service ticket to get a simple Account statement. What kind of financial site/app doesn’t allow customers easy access to things like Statements? ### 1/5 — Hidden btc fees nowhere on app *2025-10-26, version 2.25.0* Don’t store your btc with them. Huge monthly fees that cant be seen in transaction history. Your btc will not grow with them. Would easily give negative rating if I could. Transfer out process is also very slow and not as efficient as other platforms. Do not recommend. ### 1/5 — High Fees *2025-10-03, version 2.25.0* Ridiculously high fees. They will make you HURT to leave them. Disappointed… ### 1/5 — High fees *2025-05-12, version 2.23.0* Do not use this app or service ### 1/5 — I’ve been scammed. *2025-02-19, version 2.23.0* I invested a small amount of money to experiment with this app. The Blinko game was a lot of fun and figured if I can just win some sats a couple times a week maybe it can see how this grows. All of a sudden as the price of bitcoin went up I was losing money. I never got notified for fees and there was no record of them. That would’ve been fine but there also no way to pullout. I’ve request several times to end my service and get back what I had even at a loss. I eventually got an email saying they closed my account because I haven’t put more money in and my balance wont cover the fees. So I just wasted hundreds of games of blinko and they took all my initial investment and its earnings. ### 3/5 — Usability Has Regressed *2025-02-17, version 2.23.0* I’ll gladly update this review to 5-stars upon improvements because that is how I felt about the product in the early days, but the usability has somehow gotten worse since opening the account a few years ago. The main issue being that market buys don’t work, and haven’t for some time. I’ve inquired several times and the response is always that the IT team is working on it. It’s been well over 6-months at this point. ### 1/5 — Fees are outrageous *2025-01-31, version 2.23.0* After the promotional period ends you end up paying insane fees that should not exist for online only options like this. They earn every dollar you might “win” back in fees in a short time. ### 1/5 — Choice is a scam - reporting to BBb *2025-01-30, version 2.23.0* I put $100 into choice two years ago when BTC was at $40k. Now that BTC is at $105k my account value is $16 because their fees are so high. I also have a new invoice from them for fees related to a self directed retirement account. The fees for having a $16 account balance with them amount to $62.50 for last year. They are charging 4x your account value in fees. Stay far away!! ## Frequently asked questions about Choice ### What is Choice? Choice is a platform that allows you to invest in Bitcoin, crypto, stocks, and other alternative assets within a tax-advantaged retirement account, such as an IRA or Solo 401(k). It offers the benefit of no capital gains tax on your investments within the account. ### How can I win free Bitcoin? When you open a Choice Account, you can play a daily game called Blinko for a chance to win free Bitcoin directly deposited into your retirement account. This feature is designed to incentivize engagement with your savings. ### What types of retirement accounts does Choice support? Choice supports various IRA types, including Roth, Traditional, and SEP IRAs. It also supports Solo 401(k) accounts, allowing you to either start a new tax-advantaged account or roll over an existing 401(k). ### Is there a cost to use Choice? According to the provided information, there are no setup fees or minimum investment requirements to open a Choice Account. The app itself is free to use, with the primary monetization likely stemming from trading fees or other integrated services not explicitly detailed as separate costs. ### What can I do with the Choice app? With the Choice app, you can set up a new IRA, play Blinko daily for a chance to win Bitcoin, link bank accounts for contributions, manage your investment portfolio, buy or sell digital assets 24/7, and trade stocks and ETFs during market hours. ## Version history (last 5 releases) ### 2.27.0 — 2026-08-06 Squashed some pesky bugs and added security improvements. ### 2.26.0 — 2026-07-22 Squashed some pesky bugs and added security improvements. ### 2.25.0 — 2025-09-23 Squashed some pesky bugs and added security improvements. ### 2.23.0 — 2025-01-06 Squashed some pesky bugs and added security improvements. ### 2.22.3 — 2024-06-21 Squashing some pesky bugs and doing some spring cleaning. ## Apps similar to Choice | App | Rating | Price | Category | | --- | --- | --- | --- | | [Swan Bitcoin: Buy & Save](https://appshunter.io/ios/app/swan-bitcoin-buy-and-save/id1576287352) | 4.8 (4,025) | Free | Finance | | [Bitcoin.com: Crypto Wallet](https://appshunter.io/ios/app/bitcoincom-crypto-wallet/id1252903728) | 4.7 (44,870) | Free | Finance | | [Crypto.com: Trade Every Market](https://appshunter.io/ios/app/cryptocom-trade-every-market/id1262148500) | 4.7 (332,614) | Free | Finance | | [Coinbase: Buy Crypto & Stocks](https://appshunter.io/ios/app/coinbase-buy-crypto-and-stocks/id886427730) | 4.7 (1,796,717) | Free | Finance | | [Luno: Buy Crypto and US Stocks](https://appshunter.io/ios/app/luno-buy-crypto-and-us-stocks/id927362479) | 4.2 (3,679) | Free | Finance | | [BitPay: Buy Bitcoin & Ethereum](https://appshunter.io/ios/app/bitpay-buy-bitcoin-and-ethereum/id1149581638) | 4.3 (3,621) | Free | Finance | ## Related topics [bitcoins ira](https://appshunter.io/ios/topics/bitcoins-ira) · [itrustcapital](https://appshunter.io/ios/topics/itrustcapital) · [choice app](https://appshunter.io/ios/topics/choice-app) · [bitcoin stock](https://appshunter.io/ios/topics/bitcoin-stock) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*