In-depth review
Money Metals Exchange Review (2026)
Money Metals Exchange is best for investors who want transparent online bullion pricing, low order thresholds, and insured segregated storage through an integrated dealer and depository platform.
4.3
Our score / 5
Founded
2010
Metals offered
Gold, Silver, Platinum, and Palladium
Storage
Money Metals Depository
BBB rating
A+
The quick verdict
Is Money Metals Exchange worth it?
Money Metals Exchange is worth considering for investors who want to buy bullion online without committing to a large minimum investment. Its visible product prices, extensive selection, A+ BBB rating, flexible IRA-custodian support, and insured Idaho depository are meaningful strengths, although its BBB complaint volume and percentage-based storage fees deserve attention.
Bottom line
Best for investors seeking transparent online ordering, small purchases, or fully segregated storage. Consider alternatives if you prefer flat-rate storage or an IRA dealer with one standardized custodian package.
What we like
Watch out for
Best for
Not ideal for
Costs
Fees, pricing & minimums
Money Metals Exchange does not impose a large account minimum for ordinary retail purchases. Customers can buy individual coins, rounds, or bars at the prices displayed online, although each product may have its own minimum quantity. The company also offers free shipping on qualifying orders, but this threshold and other promotions are time-sensitive.
Unlike phone-quote dealers, Money Metals publishes product prices and quantity-based premiums online. Payment-method charges, shipping costs, and delivery times can still vary, so customers should review the final checkout total and compare each product’s purchase price with Money Metals’ published repurchase bid.
For personal depository accounts, the current schedule charges $96 annually for holdings below $16,000. Larger accounts pay an annual percentage ranging from 0.59% down to 0.39%, with special pricing for accounts of $3 million or more. Fees are billed quarterly, with a $24 quarterly minimum. The company separately states that IRA storage is available at 0.29% annually, but custodial administration charges are additional.
Security
Storage & custody
Money Metals Depository provides fully segregated storage at its Eagle, Idaho facility. The company states that customer holdings are insured through Lloyd’s of London, routinely audited, held in bailment, and never leased, rehypothecated, or used as collateral without the owner’s direction. The facility uses UL Class 3 vaults, continuous monitoring, and hardened physical construction.
The depository is affiliated with Money Metals Exchange through shared ownership. Although it operates with separate agreements, auditing, and insurance, customers should understand this relationship when comparing it with an entirely independent vault.
For IRAs, Money Metals recommends New Direction Trust Company but can work with other self-directed custodians. Custodians supporting Money Metals Depository include Mountain West IRA, Preferred Trust, Advanta IRA, American IRA, and MidAtlantic IRA. Customers may also use providers such as STRATA Trust or GoldStar Trust when storing through another compatible depository.
IRA metals must remain at the approved third-party facility under custodian control. Home delivery is available only after taking a valid distribution, which may create income-tax consequences and penalties depending on the account holder’s circumstances.
Products
Metals & product selection
Money Metals Exchange offers gold, silver, platinum, and palladium bullion in coins, bars, and rounds. The catalog includes American Eagles, Canadian Maple Leafs, Austrian Philharmonics, Australian Kangaroos, privately minted rounds, fractional products, and bars in numerous sizes. The company also sells copper and occasionally lists specialty metals, although these do not receive the same IRA treatment as approved precious metals.
Its IRA catalog focuses on investment-grade bullion rather than graded or collectible coins. Money Metals publicly criticizes high-premium proof and rare-coin sales practices, which may help retirement investors remain focused on metal value and liquidity. Eligible bars and rounds generally must come from recognized refiners and meet both federal purity requirements and the standards imposed by the chosen custodian and depository.
Trust
Reputation & track record
Money Metals Exchange began operating in 2010 and has been BBB accredited since 2011. The BBB currently assigns the company an A+ rating and lists bullion trading, depository storage, and collateral lending among its services.
Trustpilot displayed a 4.5 rating from 436 reviews when checked, with recent customers frequently praising product quality, secure packaging, ease of ordering, and communication. However, the rating distribution also included a meaningful number of one-star reviews, with some complaints involving shipping delays, canceled transactions, payment issues, or missing deliveries.
The BBB reported 46 complaints over the preceding three years and 19 closed during the prior 12 months. Complaint volume should be considered alongside the company’s transaction volume and responses, but it is still substantial enough to affect the reputation score.
No material provider-specific regulatory enforcement action was identified in the authoritative sources reviewed for this article.
Scorecard
How we scored Money Metals Exchange
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Editorial
How we review gold IRA companies
We evaluate gold IRA providers across fees and value, product selection, storage and security, customer support, and reputation. Pricing transparency, dealer premiums, custody costs, insurance, audit procedures, product liquidity, complaint patterns, and operating history receive the greatest weight. Company statements are checked against current public fee schedules and independent business records whenever possible.
FAQ
Common questions about Money Metals Exchange
What is Money Metals Exchange’s minimum investment?
Money Metals Exchange does not require the large minimum investment commonly associated with full-service gold IRA providers. Customers can purchase individual products online, subject to each item’s price and minimum quantity. A custodian may impose separate funding or cash-balance requirements for an IRA.
Is Money Metals Exchange a legitimate, safe choice?
Money Metals Exchange is an established bullion dealer founded in 2010, with BBB accreditation and an A+ rating. Its affiliated depository provides segregated storage, independent audits, and Lloyd’s of London insurance according to the company. Investors should still review the depository agreement, insurance limitations, custody fees, and complaint record before purchasing.
Can I roll over a 401(k) into a gold IRA with them?
Money Metals Exchange can supply eligible bullion for a self-directed IRA funded through a qualifying 401(k) rollover. A correctly executed direct trustee-to-trustee rollover is generally not taxable because the funds move directly between qualified institutions. Eligibility depends on the employer plan, so consult the plan administrator, custodian, and a qualified tax professional.
Where will my metals be stored?
IRA customers can use Money Metals Depository in Eagle, Idaho, when supported by their selected custodian, or another approved facility. The Idaho program provides fully segregated storage. IRA-owned metals cannot be stored at home without taking a distribution that may be taxable.
Final verdict
Should you choose Money Metals Exchange?
Money Metals Exchange is a strong choice for investors who value online price transparency, low purchase thresholds, a broad bullion catalog, and segregated insured storage. Its percentage-based storage costs and BBB complaint volume warrant consideration, so compare total annual fees and review delivery, cancellation, and insurance terms before placing a large order.
Affiliate disclosure: We may earn a commission if you open an account through our links, at no extra cost to you. This can influence which companies we feature. We only cover providers we believe offer genuine value.
Not financial advice: Informational only. Precious-metals investing carries risk, including loss of principal. Consult a licensed advisor before investing.
