Kingdom Trust (Now Digital Trust) Review: What Changed in 2024, Fees and How to Move a Metals IRA

Kingdom Trust stopped being a gold IRA custodian on January 24, 2024: every account moved to Digital Trust, a Nevada trust company, and the metal stayed in its vaults. So if you had a Kingdom Trust IRA, the questions now are what Digital Trust charges, whether your records are in order, and what it costs to leave.

A gold IRA is an individual retirement account that holds physical gold. A custodian is the trust company that legally holds that account, pays the dealer and sends your statements. Kingdom Trust was one of the best-known gold IRA custodians until 2024. Yet 4 of the 6 review pages SafeOunce read on September 29, 2026 still describe it as an active custodian.

This review dates the change, checks Digital Trust's Nevada license and fee page, and prices a metals IRA at $50,000 and $250,000 and its exit. It also covers FinCEN's 2023 penalty and the $780,000 data-incident settlement. It covers The Kingdom Trust Company of South Dakota and Murray, Kentucky, and its successor Digital Trust, LLC of Las Vegas. It does not cover the UK charity called The Kingdom Trust or the Kingdom Trust Foundation.

The facts below come from Kingdom Trust's and Digital Trust's own pages, state regulators, FinCEN, a federal court and the BBB.

Company website links in this table: SafeOunce earns nothing from these links.

Our Verdict: Kingdom Trust Is No Longer a Custodian, So Judge Digital Trust on Its Own Record#

Kingdom Trust no longer holds anyone's IRA, and its successor Digital Trust is a licensed Nevada trust company with high storage fees and an unpublished yearly account fee. A successor custodian is the company that takes over accounts when a custodian stops. This Kingdom Trust review therefore judges Digital Trust on its own documents. Its Nevada license is real, and its hand-over kept the metal in place. Its price is hard to check, because the fee page shows storage and exit charges but no yearly account fee.

None of the records found shows an IRA owner losing metal at Kingdom Trust or Digital Trust. FinCEN's 2023 order concerns a payments side business, and the 2024 data case concerns personal data, not the coins in the vaults.

Existing holders need three checks, two of them in writing. First, confirm that your latest statement names Digital Trust as custodian and names your vault. Then ask Digital Trust in writing for its full fee schedule with its date, and for your yearly account fee in dollars. Finally, ask which exit charge applies to you: $100 per asset or $300 to close.

New buyers cannot open a Kingdom Trust account at all. A dealer that still hands you a Kingdom Trust form is using an old document. Weigh Digital Trust against custodians that publish their whole price, such as Equity Trust, STRATA and GoldStar.

What Happened to Kingdom Trust? The January 24, 2024 Change#

Kingdom Trust handed every account to Digital Trust as successor custodian on January 24, 2024, and then began winding down its South Dakota trust charter. Kingdom Trust's migration FAQ, re-read on September 29, 2026, puts it this way: "Kingdom Trust will officially stop being the custodian for accounts on January 24, 2024. As of that date, all accounts will be formally assigned to Digital Trust as successor custodian."

The same FAQ says Kingdom Trust "will wind down its state trust charter in South Dakota". It adds that "The Kingdom Trust / Choice team will continue supporting clients ... as part of the Digital Trust team." So the Kingdom Trust to Digital Trust change moved the accounts and the team.

What happens to your gold IRA if your custodian quits depends on whether it names a successor, as Kingdom Trust did. A sale, a resignation to a rival or a failure works differently, as explained in what happens to your gold IRA if your custodian quits.

Kingdom Trust to Digital Trust: the timeline#

Eleven dated events, from FinCEN's review period in 2016 to the South Dakota roster in September 2026, explain how Kingdom Trust became Digital Trust. The table lists each event with the document that records it.

Where your metal is now and what your statement should show#

Your metal stayed at the same depository: Kingdom Trust's FAQ says metals "are still held with the same depository", and existing holdings did not need to be re-titled. A depository is the vault that stores IRA metal for the custodian. Re-titled means the ownership record changes to a new name.

The FAQ adds that "There are no changes to the metals depositories that we work with at this time." New investments "will need to be titled and registered to Digital Trust for the benefit of account holders."

Three items on your latest statement show whether your account came through the change in order.

• Custodian name: Digital Trust.
• Depository name: one of the vaults on your original purchase papers.
• Holdings list: each coin or bar by type and quantity, matching your invoices.

A gold IRA statement shows your metal at a spot or bid value, not at what you paid, so the dealer's markup never appears in it. For example, $50,000 spent at a 10% premium over melt value (the metal's worth at spot) buys about $45,455 of metal. Your first statement then shows about $45,455 if spot has not moved, and Form 5498 uses the same basis. Digital Trust does not publish its own valuation method, so ask how it values your metal.

Download your Kingdom Trust-era statements and your Forms 5498 and 1099-R, and keep them with your purchase invoices. Why a gold IRA statement shows less than you paid is explained in our statement guide.

Was the change a taxable rollover or a tax-free transfer?#

The move to Digital Trust was not taxable: a transfer between trustees "either at your request or at the trustee's request, isn't a rollover" (IRS Publication 590-A). A rollover is when money leaves a retirement account and you put it back within 60 days. A transfer goes straight from one custodian to the other, without passing through your hands.

So the change had no 60-day clock, no once-per-year limit and no tax withholding, as IRS Publication 590-A sets out for transfers.

The same gold IRA transfer rules protect you if you move out yourself; see gold IRA transfer rules.

Why Kingdom Trust left: what the record shows and does not show#

Kingdom Trust never gave a specific reason for the move, and no document SafeOunce found links it to the 2023 FinCEN penalty. Its FAQ asks "What caused this move?" and answers in general terms: "This move allowed us to do just that for all of our stakeholders." It names no cause.

FinCEN announced its penalty on April 26, 2023, nine months before the hand-over. SafeOunce treats that timing as a sequence, not a cause.

Who Is Digital Trust? Charter, Regulator and Address#

Digital Trust is a Nevada state-chartered trust company based at 7336 W. Post Road, Suite 111, Las Vegas, and it took over every Kingdom Trust account on January 24, 2024. A trust company is a company licensed by a state to hold other people's assets, including IRAs. Kingdom Trust's FAQ calls Digital Trust "a Nevada state-chartered trust company that specializes in digital custody solutions for alternative assets".

Digital Trust describes itself as "an independent qualified custodian under the Investment Advisers Act of 1940, as amended, and 26 USC 408" (choiceapp.io, September 29, 2026). A qualified custodian is the legal term for a firm allowed to hold client assets. The BBB lists Digital Trust, LLC as a business started on May 2, 2018, with Therese Fette as CEO (September 29, 2026). How can you check its license for yourself?

Is Digital Trust legit? How to check its Nevada license#

Yes, Digital Trust is a real, state-licensed custodian: it appears on the Nevada Financial Institutions Division's retail trust company list dated April 20, 2026. It also holds a BBB A rating as of September 29, 2026. Legit is not the same as cheap or trouble-free, and its records follow below.

The three checks below use free public lists.

1. Open the Nevada FID "Retail Trust Companies" list and find "DIGITAL TRUST".
2. Open the South Dakota Division of Banking trust company roster and note that Kingdom Trust is no longer on it (September 2026 edition).
3. Search the IRS nonbank trustee list (April 1, 2026): neither name is on it, which is normal for state trust companies.

Is Digital Trust an IRS-approved custodian?#

No, and it does not need to be: the IRS approves only nonbank trustees, and Digital Trust qualifies instead as a state-chartered trust company under 26 U.S.C. 408(n). A nonbank trustee is a firm the IRS itself approves to hold IRAs, while 26 U.S.C. 408(n) lets state-supervised trust companies act as IRA trustees. The IRS list "Nonbank Trustees Approved as of April 1, 2026" names 73 entities. The only metals business on it is Lone Star Tangible Assets, LP, and neither Kingdom Trust nor Digital Trust appears.

What the IRS list does and does not cover is explained on IRS-approved gold IRA custodians.

KTC Holding Company: the name Kingdom Trust uses now#

In federal court papers from 2025, the old Kingdom Trust company appears as "KTC Holding Company F/K/A The Kingdom Trust Company". F/K/A means "formerly known as", and the name comes from the court-approved settlement notice.

The 2024 letter about that incident is signed "Kingdom Trust" from "7336 W Post Road, Ste 111" in Las Vegas, according to the copy filed with the California Attorney General. That is Digital Trust's address too, but no document says that one company owns the other.

Neither KTC Holding Company nor Digital Trust, LLC publishes its owners, and SafeOunce did not find an ownership record as of September 29, 2026.

Digital Trust Fees in 2026: What Is Published and What Is Not#

Digital Trust charges $150 a year for shared metals storage, $240 for segregated storage and $300 to close an account (fee page last updated November 2025). The page does not show a yearly account fee, so the full yearly price is not public.

Segregated storage means your own coins are kept apart and returned as the same pieces. Non-segregated, or commingled, storage keeps your metal with identical metal of other owners; you get back the same type and amount. A termination fee is the charge to close an account.

The table lists the Digital Trust fee lines that can touch a metals IRA, from its fee schedule.

Kingdom Trust fees from before the change cannot be checked: its fee pages returned an error to SafeOunce in 2026. Its FAQ promised "no planned changes to pricing or fees" at the change, with "at least 30 days" notice of any future change.

Every custodian's published schedule, beside these Digital Trust fees, is compared on gold IRA custodian fees.

Precious metals storage: $150 or $240 a year#

Digital Trust has the highest flat storage prices of the five published schedules compared here: $240 a year segregated, against $160 to $225 at Equity Trust, STRATA and GoldStar. A flat price stays the same at any account balance.

The table compares yearly storage charges only, from each custodian's current schedule.

Segregated storage at Digital Trust costs $80 a year more than at Equity Trust. That is $800 over 10 years, before any account fee.

Value-based fees change the picture for large balances. GoldStar's segregated fee (0.18% of value, $225 minimum) passes $240 above about $133,000. Directed IRA's Delaware segregated fee (0.16%, $190 minimum, 2026) passes it above $150,000. At $250,000 they come to about $450 and $400 a year.

Every custodian and vault price is on gold IRA storage fees.

The yearly account fee is not on the fee page#

Digital Trust's fee page lists no yearly account or administration fee, so SafeOunce cannot print the full yearly cost of a metals IRA there. Five review sites SafeOunce read in September 2026 print a yearly account or custody fee for Digital Trust or Kingdom Trust. Their figures disagree, and none of them cites a Digital Trust document.

SafeOunce does not repeat those numbers, because a guessed fee can mislead you more than a missing one. Look at your last Digital Trust invoice for the yearly charge, or ask Digital Trust by email for its full, dated metals fee schedule.

Other Digital Trust charges: wires, re-registration and conversions#

Moving cash out of a Digital Trust IRA costs $35 by domestic wire, $15 by ACH or $35 by check, and a Roth conversion costs $100 (November 2025 page). Fast processing adds $100 next-day or $250 same-day, so plan distributions and transfers ahead.

Re-registration, which moves an asset's title into a new name, costs $75.

Where custodian charges sit among all gold IRA fees, from dealer markups to vault storage, is shown on gold IRA fees.

What Digital Trust Costs at $50,000 and $250,000 Compared With Equity Trust, STRATA and GoldStar#

At $50,000 or $250,000, Digital Trust's published charges come to $150 a year for shared storage or $240 for segregated storage, plus a yearly account fee it does not publish. The three custodians below publish their whole price: $215 to $325 a year at either balance. The one exception is GoldStar segregated storage, at about $540 on $250,000.

A value-based fee rises with the account value, like GoldStar's segregated storage above $125,000. So what Digital Trust costs in total depends on one number you have to ask for.

The table sets Digital Trust's published charges against the full yearly price of three metals custodians, from schedules read on September 29, 2026.

Over 10 years, storage alone at Digital Trust adds up to $1,500 (shared) or $2,400 (segregated), plus 10 times the yearly account fee.

How high the annual fee can go before Digital Trust costs more#

Digital Trust's segregated storage costs you more than Equity Trust's full metals-only price of $285 a year once its yearly account fee passes $45. The lowest break-even point, $45, is against Equity Trust's segregated price.

The table shows the highest yearly account fee at which Digital Trust still matches each rival (rival total minus Digital Trust storage).

Over 10 years at $100,000, the break-even is similar: about $48 to $95 a year. The table sets each rival's 10-year cost, with setup, one purchase and the exit, against Digital Trust's floor.

A gold IRA fee calculator adds setup, trade and exit costs to this yearly view. Run your own balance in the gold IRA fee calculator.

How to Move a Metals IRA Out of Digital Trust#

You move a metals IRA out of Digital Trust by opening an account at a new custodian, which then requests your coins and bars in kind. Kingdom Trust's FAQ says to "open an account with a new provider and initiate the transfer process with them". In kind means the metal itself moves, not cash from selling it.

What leaving costs: transfer-out and termination fees#

Leaving Digital Trust costs $300 under its November 2025 fee page, but the migration FAQ says "$100 per asset", which is $400 for an IRA holding four products. The FAQ's full wording is a "$100 per asset transfer out fee that applies to all outgoing transfers". The current fee page shows no per-asset line, only a $300 complete termination fee.

A transfer-out fee is a charge for each asset sent to another custodian. Neither document says which charge applies today. The fee page's only percentage exit line, "In-Kind Crypto Transfer Out: 1.00%", covers crypto, so a 1% transfer-out figure seen elsewhere does not apply to metals.

The table prices one exit: an IRA holding four products (for example 1 oz Gold Eagles, 1 oz Gold Maple Leafs, 1 oz Silver Eagles and 1 oz gold bars).

To its credit, the FAQ states the exit charge in writing, before you ask. Gold IRA termination and transfer-out fees vary widely: GoldStar's full termination is $150, while STRATA's in-kind exit is up to $350. Every custodian's exit price is compared on gold IRA termination and transfer-out fees.

Transfer in kind or sell first?#

Transfer in kind when you want to keep the same metal: it avoids a sale and a repurchase, and with them a second dealer spread. A bid is the price a dealer pays you. A spread is the gap between the price you pay and the price you get back.

The table compares the two routes out of Digital Trust.

Selling and buying again is not free. A retail round trip on a 1 oz Gold Eagle costs about 5% to 7% of its price; one large online dealer's round trip was 5.39% on September 29, 2026.

The FAQ warns that "not all providers support the same assets, so you may be required to sell certain positions." Ask the new custodian to list which of your products it accepts before you start.

When you sell gold in your IRA, a dealer buys it inside the account. Bids, fees and taxes are explained on how to sell gold in your IRA.

Step by step: switching custodians and moving your metal in kind#

Switching custodians takes seven steps, and the new custodian, not you, asks Digital Trust to send the metal. A trustee-to-trustee transfer means the two custodians move the assets directly, so the metal never passes through your hands.

The seven steps below keep the metal inside the IRA.

1. Download your latest Digital Trust statement, holdings list and your Kingdom-era Forms 5498 and 1099-R.
2. Ask the depository to confirm your holdings in writing.
3. Ask Digital Trust by email for its current fee schedule and a written quote for your exit.
4. Open the new IRA and confirm in writing which of your products it accepts, and at which vault.
5. Sign the new custodian's transfer request for an in-kind, trustee-to-trustee transfer.
6. Refuse to take the coins yourself or to accept a check made out to you.
7. Check the new custodian's statement for every coin and bar on your old holdings list.

Step 6 protects the tax status of the IRA. Bullion counts only "if such bullion is in the physical possession of a trustee" (26 U.S.C. 408(m)(3)(B)). A check paid to you is a distribution, and IRA distributions carry 10% federal withholding by default.

Switching gold IRA custodians by direct transfer has no 60-day deadline and no withholding. Timelines and exit fees at other custodians are covered in switching gold IRA custodians.

When moving pays for itself#

Moving pays for itself when the yearly saving multiplied by the years you will keep the IRA is larger than the exit fee plus the new custodian's setup fee. The yearly saving here is Digital Trust's account fee plus $240 storage, minus Equity Trust's $285 metals-only price.

The table shows how many years it takes to recover the cost of moving, for three illustrative Digital Trust account fees.

Moving may not pay if you plan to sell or take distributions within two or three years.

Old Kingdom Trust forms still rank in search: do not use them#

A 2017 Kingdom Trust investment direction form and an old Kingdom Trust application and transfer form still appear on the first page of Google, as of September 29, 2026. One is a kingdomtrust.com PDF; the other sits on a dealer website.

Use only forms that Digital Trust sends you or that you download from digitaltrust.com, because new investments must be titled to Digital Trust.

Where Digital Trust Stores IRA Metal: Depositories, Storage Types and Insurance#

Digital Trust stores IRA metals at three vaults named on its fee page: Brink's Global Services, the Delaware Depository and the Texas Precious Metals Depository. The law requires a vault: IRA bullion must be "in the physical possession of a trustee" (26 U.S.C. 408(m)(3)(B)). FDIC and SIPC insurance never cover IRA metal.

These three gold IRA depositories hold the metal, while Digital Trust holds the account. How vaults work is explained on gold IRA depositories.

Brink's, Delaware Depository and Texas Precious Metals Depository#

The three vaults differ in who runs them and in what they publish about insurance. Only the Delaware Depository publishes its insurance limits, as of September 29, 2026.

The table names each vault, its operator and its published insurance.

The dealer-owned Texas Precious Metals Depository is not the state-run Texas Bullion Depository.

Segregated or commingled storage at Digital Trust#

Segregated storage at Digital Trust costs $90 a year more than shared storage, $240 against $150 (November 2025 fee page). Over 10 years, that gap adds up to $900.

Commingled storage is still allocated storage. Allocated means a set amount of metal belongs to your IRA, even when it sits with identical metal of other owners.

Silver is a special case. Delaware Depository segregation excludes silver through Entrust and STRATA and covers only 1,000-oz bars through GoldStar. Segregated silver coins are available at the Texas Precious Metals Depository, one of Digital Trust's vaults, and at IDS, AMGL and the Texas Bullion Depository. Whether Digital Trust offers segregated silver is not published, so ask in writing.

Segregated vs commingled gold IRA storage is mostly a choice about price and silver, as explained on segregated vs commingled gold IRA storage.

How the metal is insured and audited#

Digital Trust does not publish its own insurance or audit terms for IRA metal; the insurance that matters is the vault's, and only the Delaware Depository publishes its limits. The Delaware Depository's audit is an SSAE18 SOC 1 Type I report, an outside auditor's review of its controls.

FDIC insurance covers only uninvested cash, up to $250,000, and never metal; SIPC covers securities only. Brink's Global Services and the Texas Precious Metals Depository do not publish their limits.

All three vaults appear on the COMEX gold vault report of September 28, 2026. COMEX, the main US metals futures exchange, requires a yearly independent physical audit, but only of metal registered for futures delivery. That audit says nothing about IRA holdings, so ask for the vault's insurance certificate and the date of the last audit of your holdings.

Vault policies and their exclusions are compared in how gold IRA storage is insured.

Kingdom Trust's Regulatory and Legal Record#

Kingdom Trust's record shows one federal penalty, one data-incident class settlement and one Tax Court case, and none of them found that IRA owners lost metal. The penalty came from FinCEN in 2023. The $780,000 settlement won final approval in 2026, and the Tax Court case is McNulty v. Commissioner (2021).

The table summarizes each record with its date and source.

FinCEN's $1.5 million penalty (2023)#

FinCEN fined Kingdom Trust $1.5 million in April 2023 for willful Bank Secrecy Act violations in a side business moving payments for Latin American firms, not in its IRA custody. FinCEN is the Treasury bureau that enforces anti-money-laundering law. The Bank Secrecy Act is the federal law that requires financial firms to watch for money laundering and report it.

FinCEN Consent Order 2023-01 is a settlement order the company agreed to. It says "Kingdom Trust's current primary offering is the provision of custody services to individuals with self-directed individual retirement accounts." The side business, it says, "allowed the transmission of at least $4 billion in payments for foreign entities through the United States with minimal oversight."

The order covers February 15, 2016 to March 15, 2021. It places the headquarters in Sioux Falls, South Dakota, and roughly 80 employees in Murray, Kentucky. FinCEN's release of April 26, 2023 called it FinCEN's first enforcement action against a trust company.

At least one review site dates this penalty to 2015. The order is from 2023.

The March 2024 data incident and the $780,000 settlement#

Kingdom Trust discovered a data incident on or around March 1, 2024, and a federal court in Nevada approved a $780,000 class settlement over it in March 2026. The settlement notice says "Private Information was potentially accessible by an unauthorized third-party who gained access to Defendant's systems".

The letter to affected people is signed "Kingdom Trust" from the Las Vegas address. It offered free single-bureau credit monitoring through Cyberscout, per the copy filed with the California Attorney General.

A class action is a lawsuit that one or more people bring for everyone in the same situation. This one was filed on September 4, 2024 in the U.S. District Court for the District of Nevada (No. 2:24-cv-01630). The docket lists it as Meagher v. Digital Trust, LLC. The notice names the defendant as KTC Holding Company F/K/A The Kingdom Trust Company.

That defendant "denies that it is liable ... and denies any allegations of wrongdoing, fault, or liability", and the settlement is "not an admission". A settlement fund is the pot of money that pays claims, lawyers' fees and costs. The table lists the settlement terms from the court-approved notice.

The $495,000 is what remains after the most the lawyers and plaintiffs could receive.

Kingdom Trust in the McNulty home-storage case#

Kingdom Trust was the custodian in McNulty v. Commissioner, the 2021 Tax Court case in which an IRA owner who kept Gold Eagles at home was taxed on their cost. The court decided the case, 157 T.C. No. 10, on November 18, 2021.

The parties agreed that Kingdom Trust's website "states that AE coins must be held in a depository". AE means American Eagle. The court found Kingdom Trust "did not have any role in the management of Green Hill, the purchase of the AE coins, or the administration of ... the IRA assets". Green Hill was a company owned by the IRA.

Form 5498 is the yearly IRS form on which a custodian reports an IRA's value. Kingdom Trust still filed Forms 5498 reporting $349,856 for 2015 and $388,247 for 2016. The court held that the coins had already left the IRA.

The full case is explained on McNulty v. Commissioner.

Complaints and Ratings: BBB Records for Kingdom Trust and Digital Trust#

As of September 29, 2026, the BBB rates Kingdom Trust C+ with 7 complaints and Digital Trust A with 13 complaints closed in three years. The BBB (Better Business Bureau) is a private nonprofit that grades businesses. BBB accreditation is a paid membership, not a license.

The table sets the two BBB profiles side by side.

Under the BBB's rating rules, 90 of the 100 positive points relate to complaints. Customer reviews do not count toward the grade.

SafeOunce has not yet read the 13 Digital Trust complaint texts one by one, so this review does not describe their themes.

How to report a problem with Digital Trust#

Complaints about Digital Trust as a custodian go first to the company in writing, then to its state regulator, the Nevada Financial Institutions Division. The three routes below cover the custodian itself.

• Digital Trust: (800) 777-9878, 7336 W. Post Rd., #111, Las Vegas, NV 89113 (as of September 29, 2026).
• Nevada Financial Institutions Division: the state regulator that licenses retail trust companies such as Digital Trust.
• BBB of Southern Nevada: the BBB office that holds Digital Trust's profile.

If the problem is the dealer that sold the metal, other agencies handle it; they are listed in how to report a gold IRA company.

Who Uses Digital Trust for Precious Metals IRAs#

Texas Precious Metals, a Shiner, Texas dealer, names Digital Trust as one of four IRA custodians on its rollover page, as of September 29, 2026. The others are GoldStar Trust, STRATA Trust and Horizon Trust. The same dealer runs the Texas Precious Metals Depository, one of the three vaults on Digital Trust's fee page.

A custodian does not vet the dealer or its prices; it holds the account and pays for the metal you choose. Digital Trust does not publish how many metals IRAs it holds, including former Kingdom Trust accounts.

The dealer's own record is on our Texas Precious Metals review.

Kingdom Trust and Digital Trust Pros and Cons#

Digital Trust's strengths are a clean hand-over and a state license; its weaknesses are price, missing disclosures and the records it inherited. The table sets six pros against six cons, each from the sections above.

Who Should Stay, Who Should Move, and Who Should Not Open an Account#

Former Kingdom Trust holders with bullion and a small yearly bill can stay; holders paying more than a published rival, or holding four or more products, should price a move. The deciding numbers are your yearly Digital Trust charge, your product count and your storage type.

The table matches five reader situations to a verdict and the reason, using the figures above.

Ask Digital Trust the five questions below in writing before you decide to stay or move; they cover the gaps in its published documents.

1. Ask for the full precious metals fee schedule with its date.
2. Ask for the yearly account fee in dollars.
3. Ask which exit charge applies to you: $100 per asset, $300, or both.
4. Ask which vault holds your metal and whether it is segregated.
5. Ask how your statement values the metal.

Keep every answer in writing, with its date, so an unknown fee becomes a number you can compare.

How Does Digital Trust Compare With Other Gold IRA Custodians?#

Digital Trust publishes less of its price than Equity Trust, STRATA or GoldStar, and charges more for storage than Equity Trust and STRATA at every balance. It also charges more than GoldStar below about $133,000 of segregated metal (schedules as of September 29, 2026).

A ranking of the best gold IRA custodians needs a full price, which Digital Trust does not publish. Custodians ranked by published cost are on best gold IRA custodians.

The table compares yearly cost, exit cost and BBB grade for four custodians and for Kingdom Trust.

Other gold IRA custodians that changed hands since 2024#

Kingdom Trust is one of five custodian changes since 2024: Midland Trust moved to Equity Trust, Quest Trust and NuView moved to Inspira, and Forge Trust came under Charles Schwab.

For Midland IRA clients, the custodian and the default fee option changed, as explained in what changed for Midland IRA clients.

The five changes are listed below in date order.

• Kingdom Trust to Digital Trust: January 24, 2024.
• Midland Trust to Equity Trust: July 15, 2024.
• Quest Trust to Inspira Financial Trust: September 3, 2024.
• NuView to Inspira Financial Trust: November 1, 2024.
• Forge Trust: its owner, Forge Global, owned by Charles Schwab since March 2, 2026.

Inspira did not market metals as of October 2025, so moving to a gold IRA from Inspira means a new custodian. Quest and NuView holders now at Inspira can read about Inspira's fees and moving to a gold IRA.

Kingdom Trust, Choice and crypto accounts#

Kingdom Trust also ran Choice, a retirement app focused on bitcoin and other digital assets, and Choice accounts moved to Digital Trust with the rest. This review covers metals only, not crypto IRAs.

Is Kingdom Trust the same as The Kingdom Trust charity in the UK?#

No: The Kingdom Trust registered in England is a charity, and the Kingdom Trust Foundation is a US nonprofit; neither is the South Dakota trust company that held IRAs. Both names show up in searches for Kingdom Trust.

What is the Kingdom Trust phone number now?#

Former Kingdom Trust clients reach Digital Trust at (800) 777-9878, per Digital Trust's Kingdom Trust page, as of September 29, 2026. SafeOunce does not print older Kingdom Trust numbers.

How do you cash out a gold IRA at Digital Trust?#

You cash out by having a dealer buy the metal inside the IRA and then taking a distribution in cash. Digital Trust charges $35 per domestic wire (November 2025 page).

A traditional IRA distribution is taxed as ordinary income.

Bids and taxes are on how to sell gold in your IRA and cash out.

Can you keep Digital Trust IRA gold at home?#

No: IRA bullion must be in the physical possession of a trustee, and the McNulty case, with Kingdom Trust as custodian, taxed an owner who kept Gold Eagles at home. The court treated the coins' cost as money taken out of the IRA.

Any home storage gold IRA pitch runs into this rule, whoever the custodian is.

The IRS rules are on home storage gold IRA.

What is the downside of a gold IRA?#

The main downside is cost: custodian, storage and dealer markups come off the top, and gold pays no interest or dividends. At Digital Trust, storage alone is $150 or $240 a year before the account fee (November 2025 fee page).

The general case, beyond Digital Trust's fees, is on gold IRA pros and cons.