A Roth IRA custodian is the brokerage that holds your account — the tax rules are federal and identical everywhere, but what the custodian lets you do is not. This page compares 20 US custodians across 15 capabilities — matches, rollovers, options tiers, crypto access, custodial accounts, exit fees, and whether the awkward admin can happen online — with every cell sourced to the custodian’s own documents and re-verified on 2026-07-16.
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What the 300 cells say
- check_circleThe account is free everywhere; the exit isn’t. Transfer-out costs run from $0 (Fidelity, IBKR) to $200 all-in (M1) — and Acorns only lets you leave by liquidating, at $35 per ETF.
- warningEvery IRA match has strings. Seven custodians pay one; most demand a paid subscription, a five-year hold, or both — the match table below does the net math.
- check_circleOnly Fidelity offers spot crypto inside the Roth itself. Nearly everyone else’s “crypto” means ETFs.
- warningThe fully-digital pitch breaks on admin. Fixing an excess contribution — a 6%-per-year problem — is true online self-service only at Fidelity and M1; at 7 of 20 it’s phone-or-paper, and 3 publish no process at all.
- check_circleNo custodial Roth at any fintech app. A minor’s Roth IRA means Fidelity, Vanguard or E*TRADE online — or paper/phone at Schwab, Merrill, Firstrade and T. Rowe.
How to read this page
Custodian comparisons usually rank — “the 7 best Roth IRA providers” — with affiliate links deciding the order. This page doesn’t rank, because the right custodian depends on which single capability you can’t live without. Use the filter to apply your dealbreaker, or read the four tables straight through. Custodian names link to a detail card with the fine print. And if you want to audit us: download the workbook — a color-coded matrix, the full sourced dataset, the match math (it recalculates), and charts; every cell ships with the source URL and the verbatim quote it rests on.
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Filter by your dealbreaker
Most people don’t need fifteen columns — they need the one that disqualifies. Pick it; the tables below shrink to the custodians that pass.
What does it cost to hold — and to leave?
Every custodian here opens a Roth IRA for $0 commission on stocks and ETFs. The differences hide in the second column: what it costs to move out ranges from $0 to a $200 stack of exit fees, and three platforms charge a monthly subscription just to have the account.
✓ yes / fully online◖ with caveats (limited scope, paper, or upload)✗ no / phone-or-mail only— custodian publishes nothing
| Custodian | Minimum & account fees | Transfer-out fee | Idle-cash treatment |
|---|---|---|---|
| Charles Schwabtraditional brokerage | $0 minimum; $0 opening/maintenance fees | $50 full; $0 partial | FDIC-insured bank sweep |
| Fidelitytraditional brokerage | $0 minimum; $0 account fees | $0 | Customer-selected core: government money mar… |
| Vanguardtraditional brokerage | $0 to open; $25/yr fee, easily waived | $100 full transfer/closure; partial free | Money market fund (default) |
| E*TRADE (Morgan Stanley)traditional brokerage | $0 minimum; no annual fee | $75 full transfer out | Bank sweep (Bank Deposit Program) |
| Merrill Edgetraditional brokerage | $0 minimum; no annual fee listed | $49.95 full; $0 partial | Bank deposit sweep (RASP) |
| J.P. Morgan Self-Directedbank brokerage | $0 minimum | $75 full account transfer or termination | Bank deposit sweep |
| WellsTrade (Wells Fargo)bank brokerage | $0 minimum; no annual fee | $49.95 full outgoing transfer | Bank deposit sweep (affiliated program banks) |
| Ally Investbank brokerage | $0 minimum; $0 IRA annual fee | $50 ACAT | Opt-in FDIC-insured bank sweep (Apex program banks) |
| Interactive Brokerstraditional brokerage | $0 minimum | $0 (full or partial) | Broker-held cash earning interest (no default sweep) |
| Firstradetraditional brokerage | $0 minimum; $0 IRA fees | $75 full ACAT / $55 partial | FDIC-insured bank sweep |
| T. Rowe Pricefund company | $1,000 minimum | $50 (Brokerage IRA) | Money market mutual fund sweep |
| Robinhoodfintech app | $0 minimum | $100 (full or partial ACATS) | No: None for self-directed IRAs (no sweep) |
| Webullfintech app | $0 minimum | $75 outgoing transfer | Program-bank sweep (opt-in Cash Management) |
| SoFi Investfintech app | $0 to open | $100 (full or partial ACAT) | Program bank sweep |
| M1 Financefintech app | $500 minimum; $3/mo fee (waivable) | $200 for IRA ($100 ACAT + $100 IRA closure) | No: None — uninvested IRA cash earns nothing |
| Publicfintech app | No published IRA minimum | $100 outgoing ACAT (full or partial) | Not published: Not published for IRAs — no default IRA sweep disclosed |
| Stashfintech app (subscription) | $0 minimum; $12/month subscription ($108/year) | $100 per account (full or partial ACAT) | FDIC-insured program-bank sweep |
| Acornsfintech app (subscription) | $5 to start | Later IRA: liquidation-only exit (no in-kind ACAT) | Custodial cash at IRA custodian |
| tastytradeactive-trader brokerage | $0 minimum | $75 outgoing ACAT | No: None — no sweep program |
| TradeStationactive-trader brokerage | $0 minimum; $35/yr IRA fee | $125 ACAT out (+$50 IRA termination) | No: Free credit balance — no sweep program |
How easily can money get in?
Three ways money arrives: new contributions (sometimes matched), 401(k) rollovers (sometimes concierge-assisted, sometimes a mailed check), and Roth conversions (a tax event you may want to execute without a phone queue in late December).
| Custodian | IRA match / bonus | 401(k) rollover help | Online Roth conversion |
|---|---|---|---|
| Charles Schwabtraditional brokerage | No: No contribution match | Yes: Online account opening + dedicated Rollover… | Yes: Yes — fully online self-service |
| Fidelitytraditional brokerage | No: None | Yes: Yes — online initiation + rollover specialists | Yes: Yes — online self-service |
| Vanguardtraditional brokerage | No: None | Yes: Online initiation + rollover specialists | Yes: Yes — online self-service |
| E*TRADE (Morgan Stanley)traditional brokerage | No: No contribution match | Yes: Online application + dedicated Retirement Sp… | Yes: Yes — online self-service |
| Merrill Edgetraditional brokerage | No: No match; one-time bonus up to $600 | Yes: Online tool + rollover specialists | No: Phone or paper form |
| J.P. Morgan Self-Directedbank brokerage | No: No contribution match | With caveats: Supported | No: No — paper form (mail or secure upload) |
| WellsTrade (Wells Fargo)bank brokerage | No: None | With caveats: Phone-guided; dedicated Rapid Rollover team | No: Phone + paperwork (not online) |
| Ally Investbank brokerage | Yes: 3.5% contribution match | With caveats: Supported | No: Form-based |
| Interactive Brokerstraditional brokerage | No: None | Yes: Yes — online initiation | Yes: Yes — full online self-service |
| Firstradetraditional brokerage | No: No current match offer | Yes: Online initiation via Capitalize partner | With caveats: Form-based (upload online) |
| T. Rowe Pricefund company | No: None | Yes: Online Rollover IRA opening + free RolloverC… | With caveats: Yes online for mutual-fund IRAs |
| Robinhoodfintech app | Yes: 1% match (3% with Gold) on contributions | Yes: Yes | Yes: Yes — in-app self-service (cash only) |
| Webullfintech app | Yes: Yes — 3.5% contribution match (Premium) | Yes: Yes | Yes: Yes — online/in-app self-service |
| SoFi Investfintech app | Yes: 1% match on IRA contributions and 401(k) rollovers | With caveats: Yes | No: No online self-service |
| M1 Financefintech app | No: None (no IRA match; no active transfer promo) | Yes: Yes | Yes: Yes — in-app/web self-service (cash only) |
| Publicfintech app | With caveats: 1% match on IRA contributions (capped at annual limit) | Yes: Yes — in-app initiation plus free Capitalize concierge | No: No — not available in-app |
| Stashfintech app (subscription) | Yes: 3% match on IRA contributions, capped at $22… | No: Not supported (inbound IRA rollovers) | With caveats: Not published |
| Acornsfintech app (subscription) | With caveats: 1% | With caveats: Yes | No: No online self-service — contact support |
| tastytradeactive-trader brokerage | No: None | With caveats: Check-by-mail process | With caveats: Yes for cash — online self-service |
| TradeStationactive-trader brokerage | No: None — IRAs excluded from promos | Yes: Yes | No: Paper form (mail/fax/email) |
What can you invest in — and how hands-off can it be?
The wrapper is identical everywhere; the menu and the automation are not. Options tiers, crypto access, and whether a $50 recurring deposit actually gets invested vary more than any marketing page admits.
| Custodian | Fractional shares | Automatic investing | Dividend reinvestment | Options in IRA | Crypto in IRA |
|---|---|---|---|---|---|
| Charles Schwabtraditional brokerage | Yes: Yes | With caveats: Mutual funds only | Yes: Yes — stocks, ETFs, and mutual funds | Yes: Yes | With caveats: Crypto ETFs/ETPs only (no spot crypto in IRA) |
| Fidelitytraditional brokerage | Yes: Yes | Yes: Yes — stocks, ETFs, mutual funds, baskets | Yes: Yes | Yes: Yes — incl. spreads via limited margin | Yes: Spot crypto |
| Vanguardtraditional brokerage | With caveats: Vanguard ETFs only (plus mutual funds) | Yes: Yes — mutual funds and Vanguard ETFs, in IRAs | Yes: Yes | With caveats: Levels 1-2 only | With caveats: Crypto ETFs only (select third-party); no spot |
| E*TRADE (Morgan Stanley)traditional brokerage | Yes: Yes — stocks & ETFs (3-decimal orders) | Yes: Yes — ETFs & mutual funds, $25 minimum | Yes: Yes | Yes: Yes — no naked strategies | With caveats: Crypto ETFs/ETPs only in IRAs |
| Merrill Edgetraditional brokerage | Not published: Not published (self-directed) | With caveats: Mutual funds only (Automatic Investment Plan) | Yes: Yes | Yes: Yes — limited strategies | Not published: Not published |
| J.P. Morgan Self-Directedbank brokerage | Yes: Yes | No: Recurring cash transfers only | Yes: Yes | With caveats: Yes | With caveats: No spot crypto |
| WellsTrade (Wells Fargo)bank brokerage | With caveats: Yes — Stock Fractions (mobile app only) | Not published: Not published | Yes: Yes | Yes: Yes — approval level detail not published | With caveats: Crypto ETFs only (no spot crypto) |
| Ally Investbank brokerage | No: DRIP-only | With caveats: Recurring cash contributions yes | Yes: Yes — free DRIP with online enrollment | Yes: Yes | No: No spot crypto; fund/ETF exposure only |
| Interactive Brokerstraditional brokerage | Yes: Yes (requires fractional-trading permission) | Yes: Yes — Recurring Investments (stocks/ETFs) | Yes: Yes — IRA explicitly eligible | Yes: Yes | With caveats: Crypto ETFs only |
| Firstradetraditional brokerage | Yes: Yes — $5 minimum, 4,000+ stocks/ETFs | With caveats: Mutual funds only, via paper plan application | Yes: Yes — free DRIP, online enrollment | Yes: Yes | With caveats: Crypto ETFs only (no spot crypto in IRAs) |
| T. Rowe Pricefund company | Not published: Mentioned for stocks in Brokerage accounts | Yes: Yes for mutual funds and sweep purchases | Yes: Yes — free account feature | With caveats: Yes with approval — covered calls and long puts/calls | With caveats: No direct crypto |
| Robinhoodfintech app | Yes: Yes — stocks and ETFs, dollar-based orders | Yes: Yes — recurring investments in stocks/ETFs | Yes: Yes — dividend reinvestment available in IRAs | With caveats: Yes | With caveats: No spot crypto in IRA |
| Webullfintech app | With caveats: Yes (select US stocks/ETFs) | Yes: Yes | Yes: Yes — retirement accounts eligible | With caveats: Yes — up to Level 2 (no spreads) | With caveats: No spot crypto; crypto ETFs only |
| SoFi Investfintech app | Yes: Yes — 4,000+ stocks/ETFs from $5 | Yes: Yes | Yes: Yes — Active IRAs (Traditional, Roth, SEP) eligible | Yes: Yes — buy calls/puts, covered calls, cash-secured puts | Not published: Not published — no crypto option stated for IRAs |
| M1 Financefintech app | Yes: Yes — to 1/100,000th of a share | Yes: Yes — Auto-Invest on by default | Yes: Yes — per-security DRIP available | No: No — options not offered platform-wide | With caveats: No spot crypto in IRA |
| Publicfintech app | With caveats: Yes | Yes: Yes | Yes: Yes — automatic dividend reinvestment via a settings toggle | With caveats: Yes | With caveats: Spot crypto |
| Stashfintech app (subscription) | Yes: Yes | Yes: Yes (Auto-Stash) | Yes: Yes — automatic (always on) in IRAs | No: Not offered | With caveats: No spot crypto |
| Acornsfintech app (subscription) | Yes: Yes | Yes: Yes | Yes: Yes | No: No — not offered | No: None in IRA |
| tastytradeactive-trader brokerage | Yes: Yes, with limits (market orders only | With caveats: Yes | Yes: Yes | Yes: Yes — among the broadest in the industry: spreads by default | With caveats: Crypto ETFs only |
| TradeStationactive-trader brokerage | Not published: Not published | Not published: Not published | Not published: Not published | Yes: Yes — cash-account strategies | No: No spot crypto; crypto ETFs/futures only |
Will it handle the awkward stuff online?
The capabilities nobody checks until they need them: opening a Roth for your kid, un-doing an excess contribution before the 6% excise tax compounds, or claiming an inherited IRA without a fax machine. This is where custodians differ most.
| Custodian | Custodial Roth (minor) | Excess-fix self-service | Inherited IRA online |
|---|---|---|---|
| Charles Schwabtraditional brokerage | With caveats: Yes | With caveats: Forms-based — no online self-service workflow | With caveats: Paper application (uploadable) |
| Fidelitytraditional brokerage | Yes: Yes — Roth IRA for Kids ($0 minimum) | Yes: Yes — both online | With caveats: Yes — online opening |
| Vanguardtraditional brokerage | Yes: Yes | With caveats: Online DocuSign form (excess) | Yes: Yes — online claim for named beneficiaries |
| E*TRADE (Morgan Stanley)traditional brokerage | Yes: Yes — IRA for Minors | With caveats: Form-based (online document upload) | With caveats: Hybrid |
| Merrill Edgetraditional brokerage | With caveats: Yes — Minor IRA (paper form) | No: Written request/forms only | No: Paper application (mail/fax) |
| J.P. Morgan Self-Directedbank brokerage | No: No | With caveats: Forms-based | No: Phone/branch + mailed forms |
| WellsTrade (Wells Fargo)bank brokerage | Not published: Not published | Not published: Not published (forms/phone indicated) | No: Phone only (cannot open online) |
| Ally Investbank brokerage | No: Not offered / not published | With caveats: Form-based (fax/mail/upload); not fully online | No: Phone required |
| Interactive Brokerstraditional brokerage | No: No | With caveats: Excess removal online | Yes: Roth Inherited IRA offered |
| Firstradetraditional brokerage | With caveats: Yes — paper application | No: Forms-based, not online self-service | Not published: Not published (paper/phone process implied) |
| T. Rowe Pricefund company | With caveats: Yes | No: Paper forms — no online self-service | No: Paper form + phone |
| Robinhoodfintech app | No: No | No: No — contact support + DocuSign form | With caveats: Online Estates form to start |
| Webullfintech app | No: Not offered | With caveats: Forms required (in-app upload or email) | No: Not online |
| SoFi Investfintech app | No: Not offered | No: No online self-service | No: Not offered |
| M1 Financefintech app | No: No | Yes: Yes | With caveats: Online document upload |
| Publicfintech app | No: No — custodial accounts not offered | No: No online self-service | No: No — inherited IRA not offered as an account type |
| Stashfintech app (subscription) | No: Not offered | Not published: Not published | No: No online path — contact support by email |
| Acornsfintech app (subscription) | No: No custodial Roth IRA | Not published: Not published | No: No online claim — documentation via support |
| tastytradeactive-trader brokerage | No: Not offered | With caveats: Yes for cash — online removal | Not published: Beneficiary Traditional & Roth IRAs offered |
| TradeStationactive-trader brokerage | No: Not offered (not listed) | No: Paper form only | Not published: Application + documents |
The match offers, after the strings
An IRA match sounds like a 401(k) match, but it’s a marketing budget with conditions. Here is every live offer on a maxed 2026 contribution ($7,500 under 50) after subtracting the subscription each one requires — plus the string most likely to bite.
| Custodian | Headline match | Gross on $7,500 | Required subscription | First-year net | The strings |
|---|---|---|---|---|---|
| Webull | 3.5% (Premium) / 1% without | $262.50 | Premium, $40/yr | ≈$222 | Keep Premium 1 year and the matched money in the account 5 years, or the match is clawed back. Terms can change at Webull’s discretion. |
| Ally Invest | 3.5% promo | $262.50 | None | $262.50 | New-IRA promo: open by 7/31/2026, fund by 12/31/2026; existing Ally customers’ first Invest IRA only; cash contributions only (rollovers, transfers and conversions earn nothing); 24-month hold; robo IRAs ineligible. |
| Robinhood | 3% (Gold) / 1% free | $225 | Gold, $5/mo ($60/yr) | ≈$165 | Self-directed IRAs only — the managed (Strategies) IRA gets no contribution match. 5-year hold or an Early IRA Match Removal fee applies; keep Gold 1 year from the first Gold match. |
| Stash | 3%, capped at $225/yr | $225 | $12/mo plan (required for the IRA anyway) | ≈$81–$117 | Match applies to net monthly contributions — withdrawals in the same month reduce it. The subscription buys the whole platform, but it’s still $108–$144/yr out the door. |
| Acorns | 1% (Silver) / 3% (Gold) | up to $225 | $6–$12/mo (required anyway) | varies | First subscription year only — the match ends after year one. New contributions only; rollovers and transfers excluded. |
| SoFi | 1%, evergreen | $75 | None | $75 | The quiet one: no subscription, no promo window, and it also pays 1% on 401(k) rollovers. No published clawback beyond standard terms. |
| Public | 1% contributions | $75 | None | $75 | 5-year hold (early removal forfeits the match). The 1% transfer/rollover match ended 5/31/2026 — public.com’s IRA page still displayed the old bonus copy when we verified; the terms document controls. |
| The other 13 | No match | — | — | — | Schwab’s referral bonus (up to $1,000) is a deposit bonus, not a contribution match — and Fidelity, Vanguard and the rest pay nothing. A match is a fintech customer-acquisition cost, not an industry standard. |
Arithmetic, not advice: figures use each program’s published terms as of 2026-07-16; subscriptions priced at annual billing where offered. A match is paid into the IRA and does not count against your contribution limit. Programs can change or end at the custodian’s discretion — and one already has this year. The workbook version recalculates if you change the contribution amount.
What the marketing pages don’t lead with
Everything below comes from the custodians’ own documents — terms PDFs, fee schedules, help-center articles — surfaced during verification. This section is why the page exists.
- priority_highPublic still advertises a match that ended. Public’s 1% transfer/rollover match expired May 31, 2026 per its own Match Program terms — but the IRA landing page still carried “bonus” copy when we verified in July. If you transfer expecting a match, the terms document wins.
- priority_highMatch money has a five-year leash. Robinhood, Webull and Public all claw back or fee-away the match if the matched dollars leave within five years. A “3% match” is really a 3% loyalty contract.
- priority_hightastytrade pays nothing on idle cash — and charges $135 to leave. Its own support pages state IRAs earn no interest on uninvested cash, and a full exit stacks the $60 IRA closing fee on the $75 ACAT fee. TradeStation is similar: no sweep, $175 all-in exit.
- priority_highSoFi’s “no fees” has two asterisks. A $25 fee applies per 6 months of login inactivity, plus a $100 IRA closing fee — both in the official fee schedule, neither on the marketing page. The robo version also carries a 0.25% annual advisory fee.
- priority_highAcorns has no exit door, only a shredder. Acorns Later IRAs can’t transfer out in-kind: leaving means liquidating every position ($35 per ETF) and moving cash. In a Roth that’s tax-free, but you’re out of the market during the move and out the fees regardless.
- priority_highAlly’s 3.5% match beats everyone’s — for two more weeks. The promo requires opening the IRA by July 31, 2026 (funding by 12/31), applies only to cash contributions from existing Ally customers, and locks contributions plus match for 24 months.
- priority_highMerrill’s custodial Roth application has quietly vanished. The Minor IRA application PDF is dead, and only account-maintenance forms for existing minor IRAs remain in its forms library. Whether a new one can still be opened is unpublished — call before you plan around it.
- priority_highT. Rowe Price launched its own spot-crypto ETF the day we verified. TKNZ (NYSE Arca) went live via SEC filing on July 16, 2026 — the first actively managed multi-token spot crypto ETP in the US. Whether T. Rowe’s own brokerage IRA can buy it is, as of the same day, unpublished.
- priority_highOnly Fidelity puts actual coins inside a Roth. Among these 20, Fidelity is the only custodian offering spot crypto inside the Roth wrapper itself (Fidelity Crypto IRA). Public routes spot crypto to a separate Crypto IRA custodied by Alto Trust. Everyone else means ETFs when they say crypto.
- priority_highA 6% mistake most apps can’t fix online. Over-contribute and the excess owes a 6% excise tax every year until removed. Only Fidelity and M1 offer true online self-service removal; at 7 of 20 the fix is phone or paper, and 3 publish no process at all — in an account sold as fully digital.
The custodian cards
All fifteen capabilities per custodian, with the fine print that didn’t fit in a table cell. Click any name in the tables above to jump here.
Charles Schwab traditional brokerage
Schwab Roth IRA
| Minimum & account fees | $0 minimum; $0 opening/maintenance fees |
| Transfer-out fee | $50 full; $0 partial |
| Idle-cash treatment | FDIC-insured bank sweep (Bank Sweep for Benefit Plans) |
| IRA match / bonus | No contribution match; referral bonus up to $1,000 |
| 401(k) rollover help | Online account opening + dedicated Rollover Consultants |
| Online Roth conversion | Yes — fully online self-service |
| Fractional shares | Yes — most U.S.-listed stocks and ETFs, $1 minimum |
| Automatic investing | Mutual funds only |
| Dividend reinvestment | Yes — stocks, ETFs, and mutual funds |
| Options in IRA | Yes — covered calls, cash-secured puts, spreads (with limited-margin approval) |
| Crypto in IRA | Crypto ETFs/ETPs only (no spot crypto in IRA) |
| Custodial Roth (minor) | Yes — Custodial Roth IRA, $0 minimum, paper application |
| Excess-fix self-service | Forms-based — no online self-service workflow |
| Inherited IRA online | Paper application (uploadable) — not a fully online open flow |
Fine print worth knowing
- IRA match / bonus: Schwab publishes no IRA contribution-match program. Its Referral Offer gives referred new clients a tiered bonus ($100 at $25K net deposit up to $1,000 at $500K+ within 45 days); retail IRAs are eligible accounts. No subscription requirement.
- Crypto in IRA: Brokerage accounts (incl. IRAs) can hold spot Bitcoin/Ethereum ETPs, crypto-related stocks/ETFs, mutual funds, and OTC coin trusts. Spot crypto ('Schwab Crypto') is coming soon but via a separate Charles Schwab Premier Bank, SSB account — not inside the brokerage/IRA.
- Custodial Roth (minor): Custodial Roth or Traditional IRA for a minor with earned income; generally no minimum balance or opening/maintenance fees. Opening is NOT online: 'Download a Schwab Custodial IRA application' and mail to Schwab (El Paso, TX). Custodian controls assets until 18 (or 25 in some states).
Every cell above carries a source URL and quote in the workbook download · verified 2026-07-16
Fidelity traditional brokerage
Fidelity Roth IRA
| Minimum & account fees | $0 minimum; $0 account fees |
| Transfer-out fee | $0 |
| Idle-cash treatment | Customer-selected core: government money market fund or FDIC-insured bank sweep |
| IRA match / bonus | None |
| 401(k) rollover help | Yes — online initiation + rollover specialists |
| Online Roth conversion | Yes — online self-service |
| Fractional shares | Yes |
| Automatic investing | Yes — stocks, ETFs, mutual funds, baskets |
| Dividend reinvestment | Yes |
| Options in IRA | Yes — incl. spreads via limited margin |
| Crypto in IRA | Spot crypto (separate Fidelity Crypto IRA) + crypto ETFs |
| Custodial Roth (minor) | Yes — Roth IRA for Kids ($0 minimum) |
| Excess-fix self-service | Yes — both online |
| Inherited IRA online | Yes — online opening; phone guidance recommended |
Fine print worth knowing
- IRA match / bonus: No IRA contribution match program. Fidelity's special-offers page explicitly shows no active offers as of July 2026. A 2015-era 'IRA Match' transfer-tier program (1%-10% by transferred assets, per trade press) is no longer advertised anywhere on fidelity.com; intermittent $100 account-opening promos (e.g., FIDELITY100) have run …
- Inherited IRA online: Beneficiaries can report a death online (with death-certificate upload) and open an Inherited Roth or Inherited Traditional IRA through Fidelity's online account-opening flow (accountopening.fidelity.com inherited-IRA selector); pages pair this with a recommendation to call a Transition Services specialist, and inheriting from a…
Every cell above carries a source URL and quote in the workbook download · verified 2026-07-16
Vanguard traditional brokerage
Vanguard Roth IRA (held as a Vanguard Brokerage Account, Vanguard Brokerage Services)
| Minimum & account fees | $0 to open; $25/yr fee, easily waived |
| Transfer-out fee | $100 full transfer/closure; partial free |
| Idle-cash treatment | Money market fund (default); bank sweep optional |
| IRA match / bonus | None |
| 401(k) rollover help | Online initiation + rollover specialists |
| Online Roth conversion | Yes — online self-service |
| Fractional shares | Vanguard ETFs only (plus mutual funds) |
| Automatic investing | Yes — mutual funds and Vanguard ETFs, in IRAs |
| Dividend reinvestment | Yes |
| Options in IRA | Levels 1-2 only (covered calls, CSPs, long options) |
| Crypto in IRA | Crypto ETFs only (select third-party); no spot |
| Custodial Roth (minor) | Yes |
| Excess-fix self-service | Online DocuSign form (excess); form/phone (recharacterization) |
| Inherited IRA online | Yes — online claim for named beneficiaries |
Fine print worth knowing
- IRA match / bonus: Vanguard publishes no IRA contribution match, transfer bonus, or new-account promotion anywhere on its site; its Form CRS fee disclosures and IRA pages list no such program. Third-party promotion trackers (lead only, not primary source) confirm Vanguard offers no sign-up bonuses. Negative finding — absence of any published progr…
- Options in IRA: Per Vanguard's Brokerage Option Application (form V790): Level 1 = write covered calls, purchase protective puts; Level 2 = purchase calls and puts (incl. index options) and write cash-secured puts. IRAs are capped at Levels 1 and 2. Spreads (former Level 3) are 'No longer offered' at Vanguard at all; Level 4 (naked puts) requir…
- Crypto in IRA: Vanguard reversed its long-standing block in late 2025 and now allows trading of select third-party crypto ETFs and mutual funds (spot-, futures-, and equity-based products) through Vanguard brokerage accounts; it offers no proprietary crypto products and no direct spot-coin trading. The page does not explicitly confirm IRA elig…
Every cell above carries a source URL and quote in the workbook download · verified 2026-07-16
E*TRADE (Morgan Stanley) traditional brokerage
E*TRADE from Morgan Stanley Roth IRA
| Minimum & account fees | $0 minimum; no annual fee |
| Transfer-out fee | $75 full transfer out |
| Idle-cash treatment | Bank sweep (Bank Deposit Program) |
| IRA match / bonus | No contribution match; tiered cash bonus (promo) |
| 401(k) rollover help | Online application + dedicated Retirement Specialists |
| Online Roth conversion | Yes — online self-service |
| Fractional shares | Yes — stocks & ETFs (3-decimal orders); IRA scope not stated |
| Automatic investing | Yes — ETFs & mutual funds, $25 minimum |
| Dividend reinvestment | Yes |
| Options in IRA | Yes — no naked strategies; spreads via limited margin |
| Crypto in IRA | Crypto ETFs/ETPs only in IRAs; spot crypto is non-IRA |
| Custodial Roth (minor) | Yes — IRA for Minors |
| Excess-fix self-service | Form-based (online document upload) |
| Inherited IRA online | Hybrid — phone notification + online application |
Fine print worth knowing
- IRA match / bonus: No ongoing percentage match on IRA contributions. Current promo (code RETIRE26, open by 10/31/26, fund within 60 days with $1,000+): tiered cash credit from $50 (at $1,000-$4,999) up to $10,000 (at $5,000,000+), based on new-money deposits, not contributions. Roth, Traditional, Rollover, and Inherited IRAs eligible; 12-month hol…
- Crypto in IRA: Spot Bitcoin/Ethereum ETPs, crypto ETFs, and coin trusts are tradable in IRAs. E*TRADE's new spot crypto trading (BTC, ETH, SOL via zerohash, launched 2026) requires a separate non-brokerage zerohash account linked to an individual brokerage account — not available inside IRAs.
- Excess-fix self-service: Excess-contribution removal uses the IRA Distribution Request form's 'excess contribution correction' section, submitted by mail or uploaded at etrade.com/uploaddocuments; recharacterization is likewise form-driven. No fully in-app self-service flow is published; the form references www.etrade.com/onlinedistribution for standard…
Every cell above carries a source URL and quote in the workbook download · verified 2026-07-16
Merrill Edge traditional brokerage
Merrill Edge Self-Directed Roth IRA
| Minimum & account fees | $0 minimum; no annual fee listed |
| Transfer-out fee | $49.95 full; $0 partial |
| Idle-cash treatment | Bank deposit sweep (RASP) |
| IRA match / bonus | No match; one-time bonus up to $600 |
| 401(k) rollover help | Online tool + rollover specialists |
| Online Roth conversion | Phone or paper form |
| Fractional shares | Not published (self-directed); robo program only |
| Automatic investing | Mutual funds only (Automatic Investment Plan) |
| Dividend reinvestment | Yes |
| Options in IRA | Yes — limited strategies |
| Crypto in IRA | Not published |
| Custodial Roth (minor) | Yes — Minor IRA (paper form) |
| Excess-fix self-service | Written request/forms only |
| Inherited IRA online | Paper application (mail/fax) |
Fine print worth knowing
- IRA match / bonus: No ongoing percentage match on IRA contributions. One-time cash reward (offer code 600ME) for new Traditional/Roth/SEP IRAs: $100 for $20K-$49,999 in net new assets within 45 days, up to $600 for $200K+; reward deposited after a 90-day holding period.
- Online Roth conversion: The Roth IRA product page directs conversions to the phone line, and Merrill publishes a paper 'IRA/IRRA to Roth IRA Conversion Form' (code 0871CONV, rev 01/26) that requires a wet signature and withholding election; no online self-service conversion flow is advertised. Inherited (beneficiary-controlled) IRAs may not be converte…
- Crypto in IRA: No spot crypto, and Merrill publishes no page on crypto ETFs/ETPs in IRAs; the Roth IRA page's published investment lineup omits crypto entirely. December 2025 press reports say Merrill began allowing bitcoin ETPs in brokerage and certain retirement accounts — human should verify current Merrill Edge self-directed availability i…
Every cell above carries a source URL and quote in the workbook download · verified 2026-07-16
J.P. Morgan Self-Directed bank brokerage
J.P. Morgan Self-Directed Investing (brokerage services through J.P. Morgan Securities LLC; offered via Chase.com and the Chase Mobile app)
| Minimum & account fees | $0 minimum; no annual/maintenance/inactivity fee |
| Transfer-out fee | $75 full account transfer or termination; no partial-transfer fee published |
| Idle-cash treatment | Bank deposit sweep |
| IRA match / bonus | No contribution match; one-time new-money bonus up to $1,000 |
| 401(k) rollover help | Supported; customer contacts plan administrator — no fee; checks by mail, branch, or mobile deposit |
| Online Roth conversion | No — paper form (mail or secure upload) |
| Fractional shares | Yes — S&P 500 / NASDAQ 100 stocks and ETFs plus cryptocurrency ETFs, from $5 |
| Automatic investing | Recurring cash transfers only — no published auto-buy of securities |
| Dividend reinvestment | Yes — account-level or per-position reinvestment |
| Options in IRA | Yes — Levels 1–2 (covered calls, cash-secured/protective puts, long calls/puts); no spreads |
| Crypto in IRA | No spot crypto; crypto ETFs available on platform |
| Custodial Roth (minor) | No |
| Excess-fix self-service | Forms-based — PDF forms by mail or secure upload, not an online workflow |
| Inherited IRA online | Phone/branch + mailed forms — no online opening |
Fine print worth knowing
- IRA match / bonus: No ongoing IRA contribution match. New-account bonus (Roth and Traditional IRA eligible; UTMA/trust excluded): $50 for $5,000–$24,999, $150 for $25,000–$99,999, $325 for $100,000–$249,999, $1,000 for $250,000+ in qualifying new money within 45 days; 90-day hold; one bonus per year (per chase.com/personal/investments/offers).
- Online Roth conversion: Traditional→Roth conversion requires the 'Roth IRA Conversion Request' PDF from the Brokerage Forms page; the form must indicate withholding, be signed in pen (not digitally), and be mailed or uploaded after login. No self-service online conversion workflow is published.
- Options in IRA: Traditional and Roth IRAs are explicitly eligible for Level 1 (covered calls, cash-secured puts, protective puts) and Level 2 (long calls, long puts). Multi-leg/spread strategies and index options are not available platform-wide, and margin is not available in IRAs.
Every cell above carries a source URL and quote in the workbook download · verified 2026-07-16
WellsTrade (Wells Fargo) bank brokerage
WellsTrade IRA (Roth IRA), offered by Wells Fargo Advisors
| Minimum & account fees | $0 minimum; no annual fee |
| Transfer-out fee | $49.95 full outgoing transfer |
| Idle-cash treatment | Bank deposit sweep (affiliated program banks) |
| IRA match / bonus | None |
| 401(k) rollover help | Phone-guided; dedicated Rapid Rollover team |
| Online Roth conversion | Phone + paperwork (not online) |
| Fractional shares | Yes — Stock Fractions (mobile app only) |
| Automatic investing | Not published |
| Dividend reinvestment | Yes |
| Options in IRA | Yes — approval level detail not published |
| Crypto in IRA | Crypto ETFs only (no spot crypto) |
| Custodial Roth (minor) | Not published |
| Excess-fix self-service | Not published (forms/phone indicated) |
| Inherited IRA online | Phone only (cannot open online) |
Fine print worth knowing
- IRA match / bonus: No IRA contribution match or bonus program is published on the WellsTrade IRA pages or fee schedules (checked July 2026). Wells Fargo occasionally runs bank-side Premier checking bonuses that count brokerage balances, but there is no percentage match on IRA contributions or rollovers.
- Online Roth conversion: Wells Fargo's Roth conversion process is phone-initiated with paper forms: call a retirement professional, an account form is emailed/faxed/mailed to you, and you return the paperwork to complete the conversion. The page describes no online self-service conversion. RMD must be satisfied before converting.
- Crypto in IRA: Wells Fargo offers no direct/spot crypto trading or custody to retail clients; its own Investment Institute page states clients interact with digital assets through ETFs (spot crypto ETFs tradable as exchange-listed securities). No IRA-specific restriction is published; third-party reporting says purchases must be unsolicited.
Every cell above carries a source URL and quote in the workbook download · verified 2026-07-16
Ally Invest bank brokerage
Ally Invest Self-Directed Trading Roth IRA (Ally Invest Securities LLC; Robo Portfolios Roth IRA also offered)
| Minimum & account fees | $0 minimum; $0 IRA annual fee |
| Transfer-out fee | $50 ACAT (full or partial) + $25 IRA closure fee = $75 for full IRA transfer out |
| Idle-cash treatment | Opt-in FDIC-insured bank sweep (Apex program banks); otherwise cash sits as free credit balance |
| IRA match / bonus | 3.5% contribution match (limited-time promo, new IRAs opened 3/31/2026-7/31/2026) |
| 401(k) rollover help | Supported; open account online, customer requests rollover from plan provider; no concierge published |
| Online Roth conversion | Form-based; online self-service conversion not published |
| Fractional shares | DRIP-only; no fractional-share purchases published |
| Automatic investing | Recurring cash contributions yes; automatic security purchases not published (robo option exists) |
| Dividend reinvestment | Yes — free DRIP with online enrollment |
| Options in IRA | Yes — up to Level 3 (covered calls, cash-secured puts, long options, spreads) |
| Crypto in IRA | No spot crypto; fund/ETF exposure only |
| Custodial Roth (minor) | Not offered / not published |
| Excess-fix self-service | Form-based (fax/mail/upload); not fully online |
| Inherited IRA online | Phone required — no online claim for Invest accounts |
Fine print worth knowing
- Online Roth conversion: Ally Invest handles Traditional-to-Roth conversions via an IRA Conversion Request form obtained after login (Profile and Settings > Forms); Ally states some forms can be completed online while others must be printed and returned per the form's fax/mail/upload instructions. No page describes a fully online click-through conversio…
- Crypto in IRA: Ally Invest does not offer spot cryptocurrency trading in any account (IRA included); its help center points customers to indirect exposure via funds and crypto-involved companies tradable in brokerage accounts.
- Custodial Roth (minor): The Self-Directed Trading account-type list includes Custodial (UGMA/UTMA-style), Traditional IRA, Roth IRA, Rollover IRA and Coverdell as separate types — no custodial (minor) Roth IRA appears anywhere on Ally's account-type or IRA pages. Human should confirm in-browser that no minor-IRA option exists in the application flow.
Every cell above carries a source URL and quote in the workbook download · verified 2026-07-16
Interactive Brokers traditional brokerage
Interactive Brokers LLC Roth IRA (IBKR Lite or IBKR Pro pricing plan)
| Minimum & account fees | $0 minimum; no annual, maintenance, or inactivity fees |
| Transfer-out fee | $0 (full or partial) |
| Idle-cash treatment | Broker-held cash earning interest (no default sweep); optional FDIC bank-sweep program |
| IRA match / bonus | None |
| 401(k) rollover help | Yes — online initiation; no concierge service published |
| Online Roth conversion | Yes — full online self-service |
| Fractional shares | Yes (requires fractional-trading permission) |
| Automatic investing | Yes — Recurring Investments (stocks/ETFs) |
| Dividend reinvestment | Yes — IRA explicitly eligible |
| Options in IRA | Yes — long options, covered calls, cash-secured puts, and defined-risk spreads |
| Crypto in IRA | Crypto ETFs only — no spot crypto, no crypto futures |
| Custodial Roth (minor) | No |
| Excess-fix self-service | Excess removal online; recharacterization process not published |
| Inherited IRA online | Roth Inherited IRA offered; standard application is online |
Fine print worth knowing
- IRA match / bonus: No IRA contribution match or rollover bonus program is published anywhere on IBKR's IRA pages, pricing pages, or IRA FAQ (checked July 2026). The only funding methods documented are contribution, rollover, direct rollover, and trustee-to-trustee transfer — no promotional match. (IBKR markets interest on idle cash and low commiss…
- Crypto in IRA: IBKR explicitly excludes cryptocurrency futures from retirement accounts. Spot crypto (via Paxos/Zero Hash) eligibility lists only individual, joint, and institutional accounts — IRAs are not listed ('All eligible clients with individual or joint accounts, and institutional Investors... are eligible to trade cryptocurrencies'). …
- Custodial Roth (minor): IBKR's published IRA customer types (Traditional, Traditional Rollover, Traditional Inherited, Roth, Roth Inherited, SEP, SIMPLE) include no custodial/minor option, and IBKR's minimum age for a cash brokerage account is 18. The only minor-custodian account offered is a cash-only UGMA/UTMA brokerage (not an IRA). IBKR does offer …
Every cell above carries a source URL and quote in the workbook download · verified 2026-07-16
Firstrade traditional brokerage
Firstrade Roth IRA
| Minimum & account fees | $0 minimum; $0 IRA fees |
| Transfer-out fee | $75 full ACAT / $55 partial |
| Idle-cash treatment | FDIC-insured bank sweep (program banks via Apex) |
| IRA match / bonus | No current match offer |
| 401(k) rollover help | Online initiation via Capitalize partner |
| Online Roth conversion | Form-based (upload online) |
| Fractional shares | Yes — $5 minimum, 4,000+ stocks/ETFs |
| Automatic investing | Mutual funds only, via paper plan application |
| Dividend reinvestment | Yes — free DRIP, online enrollment |
| Options in IRA | Yes — covered calls, cash-secured puts, long options |
| Crypto in IRA | Crypto ETFs only (no spot crypto in IRAs) |
| Custodial Roth (minor) | Yes — paper application |
| Excess-fix self-service | Forms-based, not online self-service |
| Inherited IRA online | Not published (paper/phone process implied) |
Fine print worth knowing
- IRA match / bonus: The former promo page firstrade.com/accounts/ira-match now redirects to /accounts/retirement, which contains no IRA match offer (the only 'match' on the page is the SIMPLE IRA acronym). Past promotional matches existed periodically; none is currently offered. Browser-verified 2026-07-15 (in-app browser pass on bot-blocked/flagge…
- Online Roth conversion: Traditional-to-Roth conversion is not a click-through self-service workflow: the customer completes the Roth IRA Conversion Form (Form Center) and uploads it through the online account. No phone-only requirement stated; no processing-time SLA published.
- Crypto in IRA: Firstrade offers spot crypto (38+ coins) only through a separate Individual/Crypto brokerage account; the IRA eligible-investments list (stocks, bonds, mutual funds, CDs, limited options) does not include crypto. Since ETFs trade in IRAs, exposure inside a Roth IRA is via crypto ETFs. Inference from official docs — Firstrade doe…
Every cell above carries a source URL and quote in the workbook download · verified 2026-07-16
T. Rowe Price fund company
T. Rowe Price Roth IRA (mutual fund account) / T. Rowe Price Brokerage Roth IRA
| Minimum & account fees | $1,000 minimum; $20/yr per fund account under $10K (waivable) or $30/yr brokerage fee (waivable) |
| Transfer-out fee | $50 (Brokerage IRA); $20 closeout per mutual-fund IRA account |
| Idle-cash treatment | Money market mutual fund sweep |
| IRA match / bonus | None |
| 401(k) rollover help | Online Rollover IRA opening + free RolloverConcierge dedicated consultant |
| Online Roth conversion | Yes online for mutual-fund IRAs; paper form required for Brokerage IRAs |
| Fractional shares | Mentioned for stocks in Brokerage accounts; IRA specifics not published |
| Automatic investing | Yes for mutual funds and sweep purchases; NOT for individual stocks/ETFs |
| Dividend reinvestment | Yes — free account feature |
| Options in IRA | Yes with approval — covered calls and long puts/calls; no spreads or uncovered options in IRAs |
| Crypto in IRA | No direct crypto; firm launched its own multi-token spot crypto ETP (TKNZ, NYSE Arca) July 16, 2026 |
| Custodial Roth (minor) | Yes — offered, but opened by phone (not online) |
| Excess-fix self-service | Paper forms — no online self-service |
| Inherited IRA online | Paper form + phone — no online claim flow published |
Fine print worth knowing
- IRA match / bonus: No IRA contribution match or cash bonus program is published anywhere on troweprice.com (Roth IRA product page, rollover pages, and fee pages checked July 2026). The only promotional-style offering is the free RolloverConcierge consultant service — a service, not a match.
- Online Roth conversion: Traditional/Rollover IRA mutual fund accounts can be converted to a Roth online (login flow on the conversion page) or by phone (1-877-200-5503). Exception: T. Rowe Price Brokerage IRAs must be converted by completing the paper IRA Roth Conversion form (PDF). SEP/SIMPLE conversions go through a Small Business Retirement Speciali…
- Options in IRA: Options require submitting the paper Brokerage Options application (FBR1BOPT). Strategy tiers: covered call writing and purchasing puts/calls (equity or index) are available; spreads, long straddles, combinations, uncovered writing, and short straddles require a margin account and are expressly not available for IRAs. Employer-s…
Every cell above carries a source URL and quote in the workbook download · verified 2026-07-16
Robinhood fintech app
Robinhood Retirement (Robinhood IRA)
| Minimum & account fees | $0 minimum; no annual/maintenance/inactivity fee |
| Transfer-out fee | $100 (full or partial ACATS) |
| Idle-cash treatment | None for self-directed IRAs (no sweep); program-bank sweep only in Strategies-managed IRAs |
| IRA match / bonus | 1% match (3% with Gold) on contributions; 1% on transfers/rollovers, uncapped — self-directed IRAs only |
| 401(k) rollover help | Yes — in-app initiation + free Capitalize concierge |
| Online Roth conversion | Yes — in-app self-service (cash only) |
| Fractional shares | Yes — stocks and ETFs, dollar-based orders |
| Automatic investing | Yes — recurring investments in stocks/ETFs |
| Dividend reinvestment | Yes — dividend reinvestment available in IRAs |
| Options in IRA | Yes — Level 2 only (covered calls, cash-secured puts, long calls/puts) |
| Crypto in IRA | No spot crypto in IRA |
| Custodial Roth (minor) | No |
| Excess-fix self-service | No — contact support + DocuSign form |
| Inherited IRA online | Online Estates form to start; rep-assisted completion |
Fine print worth knowing
- Options in IRA: Approved customers can trade Level 2 strategies in Robinhood Retirement: long calls, covered calls, long puts, and short (cash-secured) puts. Level 3 (straddles, strangles, vertical spreads, calendar spreads) is not available in retirement accounts. Options must be enabled separately in the IRA even if already enabled in the tax…
- Crypto in IRA: Robinhood Crypto products are explicitly unavailable in IRAs — despite Robinhood being a major spot-crypto platform in taxable accounts. IRAs can hold stocks and ETFs, which in practice includes exchange-listed crypto ETFs, but Robinhood publishes no IRA-specific statement on crypto ETFs.
- Custodial Roth (minor): Robinhood explicitly does not offer IRAs for minors. It does offer UTMA custodial brokerage accounts, but those are taxable accounts, not retirement accounts — no custodial Roth IRA option.
Every cell above carries a source URL and quote in the workbook download · verified 2026-07-16
Webull fintech app
Webull Roth IRA (Webull Financial LLC)
| Minimum & account fees | $0 minimum; no annual/maintenance fee published |
| Transfer-out fee | $75 outgoing transfer |
| Idle-cash treatment | Program-bank sweep (opt-in Cash Management) |
| IRA match / bonus | Yes — 3.5% contribution match (Premium); 1% without Premium; 3% transfer/rollover match (Premium, limited-time) |
| 401(k) rollover help | Yes — Capitalize-powered concierge + direct rollover by check/wire |
| Online Roth conversion | Yes — online/in-app self-service |
| Fractional shares | Yes (select US stocks/ETFs) |
| Automatic investing | Yes — recurring investments in IRAs (mobile app) |
| Dividend reinvestment | Yes — retirement accounts eligible |
| Options in IRA | Yes — up to Level 2 (no spreads) |
| Crypto in IRA | No spot crypto; crypto ETFs only |
| Custodial Roth (minor) | Not offered |
| Excess-fix self-service | Forms required (in-app upload or email) |
| Inherited IRA online | Not online — estate process via email/documents |
Fine print worth knowing
- Options in IRA: IRAs are cash accounts and can be approved up to options Level 2: covered calls, buy-writes, cash-secured puts (Level 1) plus long calls, long puts, collars, and protective puts (Level 2). Margin-requiring strategies — spreads and above — are not allowed in IRAs; short selling is also prohibited.
- Crypto in IRA: Webull's IRA trading page lists only U.S. exchange-listed stocks, ETFs, ADRs, and select OTC securities — spot crypto is not among tradable IRA assets. Spot crypto is offered through a separate crypto account inside the main Webull app ('Crypto' is its own account type, distinct from IRAs, in Webull's account lineup). Exchange-l…
- Custodial Roth (minor): Webull's IRA lineup is Traditional, Roth, and Rollover only — no custodial/minor Roth IRA. Webull does offer custodial accounts, but only as taxable UTMA/UGMA accounts, listed separately from IRAs in its account-type lineup.
Every cell above carries a source URL and quote in the workbook download · verified 2026-07-16
SoFi Invest fintech app
SoFi Roth IRA (available as Active Invest self-directed or Robo Investing automated)
| Minimum & account fees | $0 to open; $5 to start (self-directed) / $50 (robo); no IRA annual/maintenance fee, but Robo accounts carry a 0.25% annual advisory fee; $25 inactivity fee per 6 months of login inactivity; $100 IRA closing fee |
| Transfer-out fee | $100 (full or partial ACAT) |
| Idle-cash treatment | Program bank sweep (FDIC-insured, managed by Apex Clearing) |
| IRA match / bonus | 1% match on IRA contributions and 401(k) rollovers (evergreen) |
| 401(k) rollover help | Yes — concierge rollover via Capitalize (no added fee) with 1% match; or DIY via old provider + mailed check |
| Online Roth conversion | No online self-service — phone or chat required |
| Fractional shares | Yes — 4,000+ stocks/ETFs from $5 |
| Automatic investing | Yes — recurring deposits into IRAs (auto-stop at limit) + recurring investments in fractional-eligible stocks/ETFs; Robo IRAs invest automatically |
| Dividend reinvestment | Yes — Active IRAs (Traditional, Roth, SEP) eligible; opt-in toggle; Robo auto-enrolled |
| Options in IRA | Yes — buy calls/puts, covered calls, cash-secured puts; no multi-leg |
| Crypto in IRA | Not published — no crypto option stated for IRAs; spot crypto only via separate SoFi Crypto account |
| Custodial Roth (minor) | Not offered |
| Excess-fix self-service | No online self-service — phone or chat (with distribution form) |
| Inherited IRA online | Not offered — SoFi has no inherited IRA product |
Fine print worth knowing
- Online Roth conversion: SoFi supports converting a SoFi Traditional IRA to a SoFi Roth IRA, but the customer must call 855-456-7634 or use online chat with an Investment Specialist; the help article describes no in-app/self-service conversion flow and states no processing timeline.
- Crypto in IRA: SoFi Crypto (28 coins incl. BTC/ETH/SOL) is a standalone account funded from SoFi Checking, Savings, or Crypto balances — not from IRAs. SoFi publishes no statement offering spot crypto or crypto ETFs inside its IRAs, and its own educational article on crypto IRAs does not claim SoFi offers one. Whether third-party spot-bitcoin …
- Custodial Roth (minor): SoFi does not offer custodial (minor) Roth IRAs, custodial investment products, or brokerage accounts for minors.
Every cell above carries a source URL and quote in the workbook download · verified 2026-07-16
M1 Finance fintech app
M1 Roth IRA (M1 Retirement Accounts)
| Minimum & account fees | $500 minimum; $3/mo fee (waivable) |
| Transfer-out fee | $200 for IRA ($100 ACAT + $100 IRA closure) |
| Idle-cash treatment | None — uninvested IRA cash earns nothing |
| IRA match / bonus | None (no IRA match; no active transfer promo) |
| 401(k) rollover help | Yes — in-app initiation via Capitalize, or check-based manual |
| Online Roth conversion | Yes — in-app/web self-service (cash only) |
| Fractional shares | Yes — to 1/100,000th of a share |
| Automatic investing | Yes — Auto-Invest on by default |
| Dividend reinvestment | Yes — per-security DRIP available |
| Options in IRA | No — options not offered platform-wide |
| Crypto in IRA | No spot crypto in IRA; crypto-related ETFs allowed |
| Custodial Roth (minor) | No |
| Excess-fix self-service | Yes — online for both removal and recharacterization |
| Inherited IRA online | Online document upload (form-based, not instant) |
Fine print worth knowing
- IRA match / bonus: M1 offers no ongoing IRA contribution match. It has run periodic brokerage transfer bonus promotions (e.g., 0.5% of transferred assets in Jan 2025), but its Promotions & Referrals FAQ states none is active; the only standing program is a $75 Invest referral bonus ($10,000 funding requirement).
- Options in IRA: M1 does not support options trading in any account type, so no options are available in IRAs. Platform supports NYSE/NASDAQ-listed stocks and ETFs only (no mutual funds or OTC either).
- Crypto in IRA: Spot crypto is offered only via a separate taxable M1 Crypto Account, and M1 states crypto can't be included in an IRA. However, M1's securities-supported help page explicitly lists cryptocurrency-related assets (e.g., BITO, GBTC, ETHE, GDLC) as investable in M1 Brokerage Accounts or IRAs — this is published, not inferred. Verif…
Every cell above carries a source URL and quote in the workbook download · verified 2026-07-16
Public fintech app
Public IRA (Traditional or Roth IRA, offered by Open to the Public Investing, Inc., custodied by Apex Clearing)
| Minimum & account fees | No published IRA minimum; $0 maintenance; $3.99/mo inactivity fee on tiny dormant accounts |
| Transfer-out fee | $100 outgoing ACAT (full or partial) |
| Idle-cash treatment | Not published for IRAs — no default IRA sweep disclosed; brokerage cash earns no interest outside the separate High-Yield Cash Account |
| IRA match / bonus | 1% match on IRA contributions (capped at annual limit); the 1% transfer/rollover match ENDED 5/31/2026 |
| 401(k) rollover help | Yes — in-app initiation plus free Capitalize concierge; rollover checks go to Apex Clearing |
| Online Roth conversion | No — not available in-app; support-assisted via signed form |
| Fractional shares | Yes — fractional stock/ETF trading platform-wide ($5 minimum per fractional buy); no IRA exclusion published |
| Automatic investing | Yes — recurring Investment Plans inside the IRA, with auto-stop at the IRS contribution limit |
| Dividend reinvestment | Yes — automatic dividend reinvestment via a settings toggle; no account-type restriction published |
| Options in IRA | Yes — in Traditional and Roth IRAs, limited to Level 2 or lower (covered calls, cash-secured puts, long calls/puts, straddles/strangles/collars; no spreads) |
| Crypto in IRA | Spot crypto — but only via a separate Crypto IRA custodied by Alto Trust Co. (not inside the standard Apex-custodied IRA) |
| Custodial Roth (minor) | No — custodial accounts not offered |
| Excess-fix self-service | No online self-service — support-assisted: contact chat/email with details and the team prepares the removal form |
| Inherited IRA online | No — inherited IRA not offered as an account type; death claims handled through Member Support with paper documents |
Fine print worth knowing
- IRA match / bonus: No subscription required. 1% match on eligible IRA contributions up to the IRS annual contribution limit remains active (offer period open-ended; still advertised on public.com/ira). Match is credited as interest income (does not count toward the IRS contribution limit); 5-year holding period — early removal triggers an Early Re…
- Online Roth conversion: Traditional-to-Roth conversions cannot be completed self-service in the app or website. Customers must contact Member Support (in-app chat or support@public.com), which processes the conversion manually via a signed form; the customer supplies the conversion amount and any federal/state withholding preferences.
- Options in IRA: Options trading is available in both Traditional and Roth IRAs but capped at Level 2. Per Public's option-levels article: Level 1 = Covered Calls and Cash-Secured Puts; Level 2 adds Long Calls, Long Puts, and Straddles/Strangles/Collars. Spreads, Butterflies, and Condors are Level 3 and thus NOT available in IRAs. A separate FAQ…
Every cell above carries a source URL and quote in the workbook download · verified 2026-07-16
Stash fintech app (subscription)
Stash Retirement Portfolio (Roth IRA) — available as Self-Directed IRA or Managed IRA
| Minimum & account fees | $0 minimum; $12/month subscription ($108/year) |
| Transfer-out fee | $100 per account (full or partial ACAT) |
| Idle-cash treatment | FDIC-insured program-bank sweep (Apex Sweep Program) |
| IRA match / bonus | 3% match on IRA contributions, capped at $225/year |
| 401(k) rollover help | Not supported (inbound IRA rollovers); no published 401(k) intake |
| Online Roth conversion | Not published |
| Fractional shares | Yes |
| Automatic investing | Yes (Auto-Stash) |
| Dividend reinvestment | Yes — automatic (always on) in IRAs |
| Options in IRA | Not offered |
| Crypto in IRA | No spot crypto; crypto exposure via ETFs only (incl. spot-bitcoin ETFs) |
| Custodial Roth (minor) | Not offered |
| Excess-fix self-service | Not published |
| Inherited IRA online | No online path — contact support by email |
Fine print worth knowing
- Online Roth conversion: No self-service Traditional-to-Roth conversion path is documented. The only in-app 'conversion' Stash documents is Self-Directed IRA to Managed IRA, and it explicitly cannot change tax type. Stash's June 2026 Roth-conversion article is purely educational, with no Stash-specific how-to. Non-standard IRA transactions are routed to…
- Options in IRA: Stash offers no options trading anywhere on the platform, IRAs included — the investable universe is stocks and ETFs only (options exposure exists only indirectly via option-income ETFs in the fund lineup). Stash does not publish an explicit 'no options' statement, so this is inferred from its own product pages.
- Crypto in IRA: The IRA universe is stocks and ETFs; no spot crypto trading anywhere on Stash (its former separate crypto account via Apex Crypto/Bakkt was discontinued, and the legacy close-crypto-account help page has been removed). Stash's investment pages list both crypto-industry ETFs (e.g., STCE, FDIG) and spot-bitcoin ETFs — the Bitwise …
Every cell above carries a source URL and quote in the workbook download · verified 2026-07-16
Acorns fintech app (subscription)
Acorns Later (Traditional, Roth, or SEP IRA)
| Minimum & account fees | $5 to start; requires paid subscription ($3–$12/mo) |
| Transfer-out fee | Later IRA: liquidation-only exit (no in-kind ACAT); $35/ETF fee applies to in-kind transfers |
| Idle-cash treatment | Custodial cash at IRA custodian (Forge Trust) earning a custodian-set 'custodial cash rate' |
| IRA match / bonus | 1% (Silver) / 3% (Gold) match on new contributions, first subscription year only |
| 401(k) rollover help | Yes — concierge-style via support email, not online self-service |
| Online Roth conversion | No online self-service — contact support |
| Fractional shares | Yes — fractional ETF shares (managed portfolio only) |
| Automatic investing | Yes — recurring contributions (daily/weekly/monthly) + Paycheck Split |
| Dividend reinvestment | Yes — automatic dividend reinvestment (portfolio-level) |
| Options in IRA | No — not offered |
| Crypto in IRA | None in IRA (bitcoin-linked ETF option is taxable Invest only) |
| Custodial Roth (minor) | No custodial Roth IRA |
| Excess-fix self-service | Not published |
| Inherited IRA online | No online claim — documentation via support; no inherited IRA account type published |
Fine print worth knowing
- IRA match / bonus: 'Later Match': Silver ($6/mo) pays 1% and Gold ($12/mo) pays 3% on new recurring, one-time, or Paycheck Split contributions during the first subscription year, capped at the annual IRA contribution limit. Rollovers, IRA transfers, dividends, rewards, and wires are NOT eligible. Match is forfeited/recaptured if funds are removed …
- Online Roth conversion: There is no in-app Traditional-to-Roth conversion flow. The help center says changing your IRA plan type requires contacting Acorns support to 'evaluate your options'; the Program Agreement (C1.4) says changing Later account type may require opening a new Later Account and completing a rollover or conversion. The IRA disclosure …
- Options in IRA: Later is a discretionary managed account invested only in advisor-selected ETFs; Acorns offers no options trading on the platform at all (in IRAs or taxable accounts). The Program Agreement's product descriptions list ETF (and, for taxable Custom Portfolios, stock) investing only.
Every cell above carries a source URL and quote in the workbook download · verified 2026-07-16
tastytrade active-trader brokerage
tastytrade Roth IRA
| Minimum & account fees | $0 minimum; no maintenance or inactivity fees; $60 IRA closing fee |
| Transfer-out fee | $75 outgoing ACAT; full IRA transfer also triggers $60 IRA closing fee ($135 total) |
| Idle-cash treatment | None — no sweep program; tastytrade states IRAs do not earn interest on idle cash |
| IRA match / bonus | None — IRAs explicitly excluded from promotions |
| 401(k) rollover help | Check-by-mail process; no online initiation or rollover concierge published |
| Online Roth conversion | Yes for cash — online self-service; positions require a form |
| Fractional shares | Yes, with limits (market orders only; max 0.99 shares per order) |
| Automatic investing | Yes — recurring stock/ETF investments (web platform) |
| Dividend reinvestment | Yes — opt-in DRIP with fractional reinvestment, no fee |
| Options in IRA | Yes — among the broadest in the industry: spreads by default; naked calls and futures with IRA The Works |
| Crypto in IRA | Crypto ETFs only — spot crypto explicitly barred in IRAs |
| Custodial Roth (minor) | Not offered |
| Excess-fix self-service | Yes for cash — online removal; positions and in-kind fixes require forms |
| Inherited IRA online | Beneficiary Traditional & Roth IRAs offered; claim/opening process not published |
Fine print worth knowing
- IRA match / bonus: tastytrade has no IRA contribution match. Its refer-a-friend bonus ($100 each, $1,000 funding within 60 days) is limited to individual, entity, joint, or trust accounts, and the terms explicitly exclude IRAs. Past tiered deposit-bonus promotions likewise excluded retirement accounts (and the current tiered promo page is marked e…
- Online Roth conversion: Cash Traditional→Roth conversions are submitted online via My Money > Transfers > Internal Transfer and 'typically process within 1–2 business days of approval.' Converting positions (in-kind) requires a Roth IRA Conversion Request form emailed to banking@tastytrade.com. Both accounts must be held at tastytrade; no fee for the c…
- Crypto in IRA: tastytrade offers spot crypto (via Zero Hash) in individual cash/margin accounts, but the trading-levels article lists it as non-permissible in IRAs: under 'Non-permissible trading activities in an IRA account' it now states flatly 'No cryptocurrency trading' — the earlier '(until further notice)' qualifier has been removed — an…
Every cell above carries a source URL and quote in the workbook download · verified 2026-07-16
TradeStation active-trader brokerage
TradeStation IRA (self-directed Roth IRA, TradeStation Securities, Inc.)
| Minimum & account fees | $0 minimum; $35/yr IRA fee |
| Transfer-out fee | $125 ACAT out (+$50 IRA termination) |
| Idle-cash treatment | Free credit balance — no sweep program |
| IRA match / bonus | None — IRAs excluded from promos |
| 401(k) rollover help | Yes — online, Capitalize-powered concierge, free |
| Online Roth conversion | Paper form (mail/fax/email) |
| Fractional shares | Not published |
| Automatic investing | Not published |
| Dividend reinvestment | Not published |
| Options in IRA | Yes — cash-account strategies |
| Crypto in IRA | No spot crypto; crypto ETFs/futures only |
| Custodial Roth (minor) | Not offered (not listed) |
| Excess-fix self-service | Paper form only |
| Inherited IRA online | Application + documents; online-only claim not published |
Fine print worth knowing
- IRA match / bonus: No IRA contribution match program exists. TradeStation's current cash-reward/promo pricing offer (tiered $50–$3,500 through July 31, 2026) explicitly excludes IRA accounts.
- Online Roth conversion: Traditional-to-Roth conversion is handled via the 'Approval for Distribution of Traditional IRAs, Roth IRAs and SEP/IRAs' form (rev. 0825), which has a 'Roth Conversion — IRA Conversion to a Roth IRA' checkbox; the completed form is mailed, faxed (954.652.7599), or emailed to clientexperience@tradestation.com. No online self-ser…
- Crypto in IRA: TradeStation Crypto discontinued U.S. spot crypto trading February 22, 2024 (SEC/state settlement); the old /crypto/ pages now redirect to general FAQs. The IRA is marketed for stocks, options, and futures only — crypto exposure is limited to exchange-listed crypto ETFs (traded as equities) and, in a separate futures IRA, crypto…
Every cell above carries a source URL and quote in the workbook download · verified 2026-07-16
Methodology & update log
Each custodian was researched from its own published sources — pricing pages, fee schedules (PDFs included), help-center articles, account agreements, and SEC filings where relevant — with a source URL and verbatim quote recorded per cell. An independent adversarial pass then re-fetched every cited source and tried to refute each cell; 17 of 300 cells were corrected as a result (expired promotions, changed fee waivers, newly published capabilities), and the corrections are what you see above. Where a custodian publishes nothing on a capability, the cell says so rather than guessing. Bot-blocked pages were verified in a real browser session.
- 2026-07-16 — page published; all 300 cells verified this date. Notable same-day catch: T. Rowe Price’s TKNZ spot-crypto ETF launched via SEC filing hours before verification.
This matrix is re-verified quarterly, and sooner for known pending changes (Schwab’s announced crypto platform; Ally’s match promo expiring 7/31/2026). Spot an error? Tell us — corrections are logged in the changelog.
table_viewExcel workbook · recommended
The full matrix, formatted
Five sheets: color-coded matrix (hover any cell for its sourced detail), the 300-row dataset with clickable sources, match math that recalculates, and three charts.
csvCSV · plain data
The raw dataset
300 rows — custodian, capability, value, full detail, source URL, confidence, verification date. For your own analysis.
Custodian questions, answered plainly
Which custodian is best for a Roth IRA?
There is no universal best — the account works identically everywhere; only capabilities and fees differ. The practical method: find your dealbreaker first (custodial account, options tier, online excess fix, exit fee), which usually eliminates most of the list, then choose among survivors on cost. The big three (Fidelity, Schwab, Vanguard) pass most filters, which is why they're the default answer — but each fails at least one column in this matrix.
Which brokerages offer a custodial Roth IRA for a minor?
Of the 20 tracked here, seven offer a custodial (minor) Roth IRA: Fidelity, Vanguard and E*TRADE open one online; Schwab and Firstrade require a paper application; T. Rowe Price opens one by phone; and Merrill's application form has been removed from its site, leaving its status unpublished. No fintech app in this matrix (Robinhood, Webull, SoFi, M1, Public, Stash, Acorns) offers one.
Which Roth IRA custodians pay a contribution match?
Seven currently pay some match: Webull (3.5% with a paid Premium subscription), Ally (3.5% promo through 7/31/2026), Robinhood (3% with Gold, 1% without — self-directed IRAs only), Stash (3% capped at $225/yr, subscription required), Acorns (1–3%, first subscription year only), SoFi (1%, no strings beyond standard terms) and Public (1% on contributions; its transfer match ended 5/31/2026). Every match carries conditions — most commonly a 5-year holding period and a required subscription. An IRA match is taxable-account marketing economics applied to retirement accounts, not free money without terms.
Can you hold crypto in a Roth IRA?
Mostly as ETFs. Among these 20 custodians, only Fidelity offers spot crypto inside the Roth itself (Fidelity Crypto IRA); Public offers spot coins via a separate Crypto IRA custodied by Alto Trust. Fourteen others allow crypto exposure only through exchange-listed crypto ETFs, and Ally, Acorns and TradeStation offer no crypto exposure in an IRA at all.
What does it cost to move a Roth IRA to another broker?
Between $0 and about $200. Fidelity and Interactive Brokers charge nothing; Schwab, Merrill and Vanguard are free for partial transfers; most others charge $50–$100 for an outbound ACAT. The expensive exits stack fees: M1 charges $200 all-in ($100 ACAT + $100 IRA closure), TradeStation $175, tastytrade $135, and Acorns requires liquidating every position at $35 per ETF because it doesn't support in-kind transfers out. The transfer itself is not a taxable event when done trustee-to-trustee.
Does this page have affiliate relationships with any custodian?
No. RothIRAHub has no affiliate, referral or advertising relationship with any custodian on this page, and no custodian paid for placement or ranking. Every cell was researched from the custodian's own published pages and documents, re-verified on the date shown, and the full dataset — including a source URL and quote for every cell — is downloadable below.
Where to go next
Framework
What to Invest In With a Roth IRA
Picked a custodian? The account is the shelf — here’s how to think about what goes on it.
Guide
Custodial Roth IRA for Kids
The rules behind the custodial column: earned income, contribution caps, and who controls the account.
Guide
401(k) to Roth IRA Rollovers
The tax mechanics behind the rollover column — direct vs indirect, withholding, and the conversion bill.
FAQ
Options Trading in a Roth IRA
Why IRAs cap out at defined-risk strategies, and what “limited margin” actually permits.