🗒️ Crypto transfers are only available for non-retirement accounts. Per IRS rules, IRAs can only accept cash contributions.
An in-kind transfer moves cryptocurrency directly — without selling it first — either from an external wallet or exchange into your Freedom (or non-qualified) Retired.com account.
How to transfer crypto into your non-qualified account
This guide walks you through transferring crypto from an external institution (such as Coinbase, Kraken, or Robinhood) into your Retired.com non-qualified account. We'll cover how to prepare your account, initiate the transfer from your external platform, and confirm the funds arrive safely.
Before you begin
Here's what you'll need:
An active non-qualified account on Retired.com
An account at the external institution (Coinbase, Kraken, Robinhood, etc.) that holds the crypto you want to transfer
Login credentials and any two-factor authentication (2FA) devices for both accounts
A few uninterrupted minutes to complete the process carefully
Tip: If this is your first time transferring crypto to Retired.com, we strongly recommend sending a small test amount (a "micro transaction") first to confirm the transfer details are correct before sending a larger amount. See Step 4 below for details.
Step 1: Prepare the transfer on your Retired.com account
Log in to your Retired.com account.
Select Add Funds (or another deposit option from the dashboard).
Choose Deposit Cash or Crypto as your funding method.
Choose your non-qualified account from the To dropdown.
You'll need to complete identity verification before you can proceed with depositing funds into your non-qualified account.
Select the asset you want to transfer from the Asset dropdown (for example, BTC, ETH, USDC).
Make note of the default transfer network that will be used to send the asset. This must match the network you select on your external platform in Step 3.
Continue to the deposit instructions.
Copy the deposit address displayed on the screen.
Important: Confirm the asset and network match your address exactly. Sending to a mismatched address or network can result in loss.
Step 2: Log in to your external account
Log into the portal for your external account via mobile app or desktop (Coinbase, Kraken, Robinhood, or another institution).
Navigate to the Send, Withdraw, or Transfer Out section of that platform. The exact wording varies by provider.
Step 3: Select the asset and transfer network
Process may vary based on external account provider.
Select the asset you want to transfer. This must match the asset you selected on Retired.com in Step 1.
Choose the transfer network. This must match the network you selected on Retired.com in Step 1.
Paste or scan the Retired.com deposit address into the recipient address field.
Enter the amount you want to transfer.
Step 4: Send a micro transaction first (strongly recommended for first-time transfers)
Before sending a large amount, send a small test transaction first. A micro transaction allows you to:
Confirm the deposit address and network are correct
See roughly how long the transfer takes
Verify funds arrive in your account before committing the full amount
Once your micro transaction has successfully arrived in your Retired.com account, you can proceed with your full transfer using the same address and network.
Step 5: Review, confirm, and track
Before submitting, double-check every detail: asset, network, recipient address, and amount.
Complete any 2FA verification prompts from your external platform.
Submit the transfer.
Your external platform will provide a transaction ID (TxID or transaction hash). You can use this ID with a public blockchain explorer to track the status of your transfer.
Funds will appear in your account once the required number of network confirmations is reached.
How to transfer crypto from Coinbase
Web
Once you've completed Step 1 and have your Retired.com deposit address ready:
Log in to your Coinbase account.
In the right sidebar, below the trading widget, select Send crypto.
In the modal that appears, paste your Retired.com deposit address into the search field.
Continue to Select an asset and choose the asset you want to transfer.
Select the network you want to use for the transfer.
Enter the amount you want to transfer.
Review the order details in the preview screen.
Select Send now to initiate the transfer.
Funds will appear in your account based on the network's processing time.
Mobile App
Once you've completed Step 1 and have your Retired.com deposit address ready:
Log in to the Coinbase mobile app.
Navigate to the asset you want to transfer.
Tap the Transfer button at the bottom of the screen.
Select Send crypto.
Scan or enter your Retired.com deposit address into the search field.
Select the transfer network and review estimated fees.
Enter the amount you want to transfer.
Preview the order.
Confirm and submit the transfer.
Funds will appear in your account based on the network's processing time.
How to transfer crypto from Kraken
Web
Once you've completed Step 1 and have your Retired.com deposit address ready:
Log in to your Kraken account.
Select Transfer from the top bar.
Select Withdraw to access the withdrawal interface.
Choose the asset you want to withdraw.
Select the network for the transfer.
Paste your Retired.com deposit address into the withdrawal address field.
If this is your first time using this withdrawal address, confirm it via the email verification link sent to your account before proceeding.
Enter the amount you want to transfer.
Review the withdrawal details, including any applicable fees.
Confirm the withdrawal.
Funds will appear in your account based on the network's processing time.
Mobile App
Once you've completed Step 1 and have your Retired.com deposit address ready:
Log in to the Kraken mobile app.
Navigate to Portfolio in the bottom navigation or to the asset you want to transfer.
Under the performance graph, select Withdraw.
Select the asset you want to transfer.
Select the network you want to use.
Paste your Retired.com deposit address into the withdrawal address field.
If this is your first time using this withdrawal address, confirm it via the email verification link sent to your account before proceeding.
Enter the amount you want to transfer.
Review and confirm the order.
Funds will appear in your account based on the network's processing time.
How to transfer crypto from Robinhood
To transfer crypto from Robinhood, you'll need to first verify your identity, phone number, and email.
Web
Once you've completed Step 1 and have your Retired.com deposit address ready:
Log in to your Robinhood account.
Go to the asset details page for the asset you want to transfer.
Select the dropdown arrow on the right side of the trading widget.
Select Send & Receive Transfer Crypto from the dropdown menu.
Select the Send tab.
Enter the amount you want to transfer.
Enter your Retired.com deposit address into the Send to field.
Review the transaction details.
Confirm and submit the transfer.
Funds will appear in your account based on the network's processing time.
Mobile App
Once you've completed Step 1 and have your Retired.com deposit address ready:
Log in to the Robinhood mobile app.
Open the asset details screen for the asset you want to transfer.
Scroll past "Your position" and tap the Send button.
Scan or paste your Retired.com deposit address into the To field.
Enter the amount you want to transfer.
Review the transfer details.
Confirm and submit.
Funds will appear in your account based on the network's processing time.
FAQs
Are there minimum amount requirements for transferring?
Minimum transfer amounts vary by asset, network, and the external platform you're transferring from. Most external institutions set their own withdrawal minimums, typically just above the applicable network fee. Retired.com doesn't impose an additional minimum beyond the network requirement; however, a network-based minimum will still apply. Confirm the specific minimum for your asset with your external platform.
What is a transfer network?
A transfer network (sometimes called a blockchain network) is the underlying blockchain used to move crypto between wallets. Many assets exist on more than one network — for example, USDC can be sent on Ethereum (ERC-20), Solana, Polygon, and other networks. Both the sending platform and the receiving platform must support the same network, and you must select the same network on both sides of the transfer.
What if there's no option to select a transfer network?
Some external platforms only support a single network for a given asset and won't show a network selector. If you don't see a network option, contact your external platform's support team to confirm which network they use for that asset. Don't proceed until you can confirm that network matches one supported by Retired.com. Sending on a mismatched network may result in loss of funds.
How long will it take to transfer funds?
Transfer times vary by asset and network. Most transfers complete within 10 to 60 minutes, though some can take longer depending on network congestion. Bitcoin transfers, for example, may take an hour or more during busy periods. Your external platform may also hold withdrawals briefly for security review, which can add time.
What if I send funds to the wrong address?
Because blockchain transactions are final once confirmed, funds sent to the wrong address usually can't be recovered. That's exactly why we recommend two safeguards: always copy and paste (or scan) your deposit address rather than typing it, and send a small test amount first. If something feels off before you send, contact the Service Team and we'll help you double-check the details.
What if I send funds on the wrong network?
The network you choose on your external platform must match the network shown on Retired.com. If they don't match, funds may be lost, and while recovery is sometimes possible, it isn't guaranteed. If you're unsure which network to use, contact the Service Team before you send.
What if I send the wrong asset?
Each deposit address only accepts one specific asset. For example, sending BTC to an ETH deposit address would result in a loss of funds. Before you confirm, double-check that the asset selected on both platforms matches exactly.
Are there fees for transferring crypto?
Retired.com doesn't charge a fee to receive an incoming crypto transfer into your non-qualified account. However, your external institution may. Check your external platform for the estimated fee before confirming your transfer.
Which cryptocurrencies and networks can I transfer to my account?
See "Supported cryptocurrencies and digital assets on Retired.com" and the in-app asset selector for the current list. If you're unsure whether a specific asset or network is supported, contact the Service Team before initiating a transfer.
Can I cancel or reverse a transfer after initiating it?
Once a transaction is broadcast to the blockchain, it can't be cancelled or reversed. Some external platforms allow you to cancel a withdrawal while it's still pending on their internal review queue, but once the transaction is on-chain, it's final. This is why we recommend always sending a micro transaction first when using a new address.
Is the transfer process secure?
Yes. Transfers are protected by blockchain security, and strict safeguards apply to every deposit address generated. To keep your transfer safe: copy and paste your deposit address, keep 2FA turned on for both accounts, verify every detail before confirming, and never share your login credentials or private keys with anyone, including the Service Team.
Need more support? Contact our Service team
Select "Start a Conversation" from the Chat menu or call us at 1-800-RETIRED