To create an Ironman account, select the desired mode from the ‘Advanced mode’ drop-down menu in the 'Design your Hero' section of the character creation screen.
Get help with this on Runescape wiki page and FAQ.
From there, you'll be able to select Ironman or Hardcore Ironman mode for your new account.
Ironman accounts have the following restrictions:
No player-to-player trades
No Grand Exchange trades, except Bonds
No picking up drops from other players
No XP or loot in PvP
No multiplayer minigames
Most facilities in other players' houses cannot be used
No assist or accept aid
Dungeoneering is solo only
No Sinkholes or Warbands
No Treasure Hunter
No Wicked Pouch from Solomon's Store
No Refer a Friend
No Social Slayer
XP gain from clan citadel plots is reduced
No benefit will be received from group buffs, abilities or spells cast by others
Any group abilities or spells cast by an Ironman players will only affect the caster
You must deal more than half the total damage to a monster before you will receive drops from it.
Combat XP is reduced if you do less than 100% of the damage needed to kill an enemy (i.e. if someone else is fighting it as well)
Ironman accounts come with titles and chat badges to show off their prestigious status, and there are Ironman hiscores to compete on. The real reward, though, is knowing that every hard-won victory is yours alone.
Hardcore Ironman accounts take the challenge one step further: all the restrictions of an Ironman account…with permanent death.
If you die in Hardcore Ironman mode, that's it. Your account will no longer be playable, and all gear, items, money and currency - including any RuneCoins or items purchased in Solomon's Store - will be gone for good.
Note that 'Safe' activities carry no risk of permanent death.
Hardcore Ironman players can purchase two extra lives from Mr Ex in Edgeville: one at total level 1000, and another at 1600.
The first costs 100,000 coins, and the second 10 million. Once these two extra lives have been purchased, you can't get any more for that account.
This is an optional safety net, in case you want to protect your investment in your Hardcore character while keeping death dangerous.
Mr Ex can sell you a jar of divine light, which will change a Hardcore Ironman character to an Ironman character. He'll also sell you a book of diplomacy, which will change an Ironman account to a normal account. Note that all changes of both types are irreversible.
Finally, please note that Jagex will not reverse the death of a Hardcore Ironman character for any reason - even in the event of connection issues, or account hijacking. For this reason, we strongly recommend that you use the RuneScape Authenticator to ensure that your account is as secure as possible.
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