Monetary Gold

4.6 Stars


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Monetary Gold differs from other Gold IRA companies by dealing directly with the source to buy precious metals. Clients pay less for their gold and silver because Monetary Gold passes the savings on to them. The company also handles transactions for non-retirement investments and collections and provides low-cost shipping.

Monetary Gold New Logo

Editorial Breakdown

Customer Care

4.3 Stars


4 Stars


4.6 Stars

Ease of Purchase

4.8 Stars

Overall Rating

4.5 Stars

Bottom Line

Monetary Gold cuts out the middleman to pass the savings on to you. Attentive customer service agents will help you find the investment you are searching for.

Monetary Gold Review

Many gold dealers function as a middleman in precious metals transactions. These companies help you choose the right gold and other metals for your needs and facilitate buying and selling. Monetary Gold is different in that it acquires precious metals directly from trusted sources and passes the cost savings on to clients.

Monetary Gold deals in Gold IRAs, non-retirement investments in physical precious metals and collectors coins. Representatives assist clients with Gold IRA rollovers or establishing new retirement accounts.

Monetary Gold logo
4.6 Stars

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  • Deals directly with gold sellers
  • Passes savings on to clients
  • 100 years’ of combined experience in precious metals trading
  • Highly-rated customer service


  • Prices not listed online

Gold and other precious metal IRAs are an investment and carry risk. Consumers should be alert to claims that customers can make a lot of money in these or any investment with little risk. As with any investment, you can lose money and past performance is not a guarantee of future performance results. Consumers should also obtain a clear understanding of the fees associated with any investment before agreeing to invest.

Monetary Gold’s Services

Monetary Gold opened for business in 2000 and assists clients with buying and selling gold and silver. The company helps people across the U.S. create a diversified retirement portfolio by adding precious metals to the investment mix. Monetary Gold is one of the few Gold IRA companies in America that deals directly with the seller during precious metals transactions. This practice allows the company to keep rates lower.

Monetary Gold offers a broad selection of gold and silver coins. The website says the company will soon offer platinum and palladium as well. The site only features coins, but also discusses buying gold bullion as an option. Experienced trained representatives assist clients with choosing the right forms of precious metals for their investment portfolio or retirement funds.

How to Open a Gold IRA with Monetary Gold

Setting up a Gold IRA with Monetary Gold is a three-part process. Before you get started with opening an account, discuss storage and other fees with an IRA representative. You must keep gold and silver held in an IRA in a secured storage facility. Monetary Gold works with a well-known and trusted depository for storage.

  1. Complete an application: An IRA specialist guides you through each part of the application process, and there’s no fee for the service. Processing takes 48 to 72 hours before the account is available for funding.
  2. Fund your new Gold or Silver IRA: Either you can write a check or transfer funds from an existing qualified IRA or 401(k). Wire transfers and cashier’s checks are also valid forms of payment.
  3. Buy precious metals: Your IRA specialist helps you choose the right coins and bullion approved by the IRS for the account. The specialist executes the purchase and transfers your gold or silver to the depository.

Your precious metals order gets inspected, processed and insured when it reaches the storage facility.

Orion Metal Exchange logo
4.9 Stars

Orion Metal Exchange

  • More metal for your money
  • New accounts receive free shipping

Precious Metals from Monetary Gold

Monetary Gold sells precious metals in three categories, each with advantages and disadvantages. The premium placed on each bar or coin depends on its condition, rarity, grading, and economic and other factors.

Numismatic metals are bars and coins valued above the base value of the gold or silver used to manufacture them.

Bullion– Bars and newer minted government coins
– Trades close to spot market price
– Price set by the mint and open market demand
– Not always legal tender
– Most transactions reported on IRS 1099
Semi-Numismatics– Part numismatic and bullion
– Valued between lowest value bullion and premium certified-graded coins
– Best for capitalizing on precious metals bull market
– No longer minted, resistant to downward trends
Certified-Graded Coins– High collector premiums and valued above spot price
– Best for collectors
– Historically outperforms bullion in a downward market
Monetary Gold Inventory

Monetary Gold IRA Costs

There is no set fee published for placing an order with Monetary Gold. The cost of your transaction will vary with the fluctuating price of gold. Monetary Gold covers up to five years of custodial fees for all qualified clients.

  • $30 delivery fee to receive physical gold or silver. The shipment is insured and wrapped, so the package contents are unidentifiable. We never recommend storing precious metals in your home for several reasons.
  • The annual storage fee for Gold IRAs held at Delaware Depository is $100 for up to $100,000 worth of gold, then $1 per additional $1,000.
  • The minimum investment is $5,000 to $10,000, depending on your IRA custodian.

To give an example of Gold IRA custodial fees, Gold Star Trust charges a one-time $50 fee and $1 per $1,000 annual maintenance fee ($75 minimum).

How to Buy Precious Metals from Monetary Gold

You can buy silver or gold bars and coins from Monetary Gold by calling the company to speak to a representative. The precious metals can be delivered to your chosen destination if held outside of an IRA.

To set up a Gold or Silver IRA, click on the IRA Setup button on the website to complete a form to get started. A representative will call you to complete the application, which takes 10 or 15 minutes. If you have questions before setting up an account, use the contact form on the website or call to get answers. You also can use the chat feature on the site to discuss your options with an agent.

Monetary Gold Complaints

The Better Business Bureau gives Monetary Gold an A+ rating. Consumer reviews on the BBB site average to 5 out of 5 stars and mention a high level of customer service. Reviewers appreciated all the information they received as well as the patience of the representatives. TrustLink reviews also award the company 5 out of 5 stars.

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Orion Metal Exchange logo
4.9 Stars

Competitive Pricing

More metal for your money

New accounts receive free shipping

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Patriot Gold Group logo
4.8 Stars

Great Personalized Service

Serving families and individual investors

High level of client education

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Goldco logo
4.8 Stars

Great Retailer

A+ rating from the Better Business Bureau

Over experience in Precious Metals IRAs

Monetary Gold Q&A

Can I fund a Monetary Gold IRA from an existing retirement savings account?

Monetary Gold takes transfers from traditional IRAs, Roth IRAs and SEP IRAs. You can also do a tax-free, penalty-free direct rollover from a 401(k) or 403(b).

Will Monetary Gold allow me to mix other investments with physical precious metals in a Gold IRA?

Some custodians allow holding stocks, bonds, exchange traded funds, annuities and other investments in a precious metals IRA account. Others only work with precious metals IRAs. A Monetary Gold representative can help you find the right custodian.

Do I need a financial advisor to set up a Monetary Gold IRA?

If you want to consult with a financial advisor regarding setting up a Gold IRA, you can do so. However, Monetary Gold specialists are qualified to set up the account and help you choose IRS-approved gold and silver.

How do I choose a custodian for a Monetary Gold IRA?

Your IRA specialist can provide the information you need to decide on an IRA custodian. Monetary Gold works with Strata Trust, Gold Star Trust Company, Sterling Trust, New Direction IRA or Entrust. These companies are likely to have varying fees and services you can compare.

Does Monetary Gold provide account statements for Gold IRAs?

Your IRA custodian will send statements as long as you hold the IRA and handle future transactions on the account. You can monitor your account online, too.


Consider Monetary Gold when you want to buy precious metals or open a Gold IRA. The company offers two compelling strengths: lower cost and high service level. Because the middleman gets cut from precious metals transactions, you will likely buy gold for less from Monetary Gold. Customer service is unquestionably a priority given all the high marks appearing in online reviews.

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