- A+ BBB rating
- Strong leadership team
- Buyback guarantee
- World class service
- Limited to U.S. investors
- Lack of transparent pricing
U.S. Money Reserve is a gold IRA provider ideal for investors seeking financial independence. Founded in 2001, the company offers strong industry leadership.
In our review, we found that U.S. Money Reserve is recognized for its security measures and reliability, but also noted concerns regarding its sales practices.
It has also been the subject of several complaints alleging deceitful sales practices. This U.S. Money Reserve review will cover everything you need to know.
U.S. Money Reserve Review: My Verdict
I’ve given them a rating of 7 out of 10.
U.S. Money Reserve is a longstanding gold IRA company for investors seeking financial independence. It offers strong leadership and competitive guarantees.
However, it could improve by providing more transparency in its pricing, storage, and sales practices.
When choosing a gold IRA provider, special attention should be paid to the trustworthiness and reliability of the company, ensuring they understand IRS guidelines and offer dependable customer service and storage options.
| Category | Rating (out of 10) |
|---|---|
| Product & Service Offerings | 8 |
| Fees & Minimums | 6 |
| Guarantees | 8 |
| Customer Experience | 7 |
| Storage & Security | 5 |
| Account Setup & Maintenance | 7 |
| Reputation & Reviews | 7 |
| Overall Rating | 7 |
In this review of U.S. Money Reserve, I’ve followed CEP’s detailed criteria for evaluating the precious metals IRA company.
About U.S. Money Reserve
Founded in 2001, U.S. Money Reserve was started by gold market experts who believe gold is one of the best ways to build financial independence.
Based in Austin, Texas, the company has served more than 900,000 clients worldwide. Its president, Philip Diehl, is the former 35th Director of the U.S. Mint and brings deep knowledge of the U.S. financial system.
U.S. Money Reserve’s mission is to give investors trustworthy guidance and a clear understanding of why precious metals can be an important part of a retirement plan.
They offer educational resources, personalized guides, and a competitive customer experience—making it easy for first-time gold IRA investors to get started.
The company is highly rated, holding an A+ with the Better Business Bureau and a AAA with the Business Consumer Alliance.
Product & Service Offerings
U.S. Money Reserve offers gold and silver IRAs for investors looking to protect and grow their retirement savings.
If you roll over an existing retirement account of $25,000 or more, your first account qualifies for zero fees.
You’ll also be paired with a dedicated account executive to guide you through the process from start to finish.
Gold products available:
- American Buffalo coins
- Canadian Maple Leaf coins
- Pearl Harbor Coins
- 1 oz. Gold Bars
- Certified Gold Coins
Silver Products Available:
- Silver Legacy Eagle Coins
- American Eagle Coins
- World War II Battle Coins
- 100 oz. Silver Bars
- Certified Silver Coins
Note: Platinum and palladium are not offered.
Gold and silver are valued for their long-term stability, making them popular choices for diversifying retirement portfolios.
All products meet IRA-approved purity standards.
Buying options:
- You can buy coins or bars online, with delivery in 5–10 days.
- Prices listed online are estimates—call for the most accurate live pricing.
- The website clearly marks which products are in stock.
U.S. Money Reserve also assists with 401(k) rollovers and other retirement account transfers, helping make the transition to a gold IRA smooth and stress-free.
Fees & Minimums
| Setup fee for IRA | $50 |
| Wire transfer fee | $30 |
| Custodian admin fee | $80 annually |
| Storage fees | $100 to $150 annually (depending on the depository) |
| Total annual fees | $250 (covers account maintenance, custodian, and storage) |
Fee waiver & bonuses:
- First-year fees waived for rollovers of $25,000 or more or new accounts funded with $6,000+.
- Qualifying investors may also receive a silver bonus.
Other policies:
- No minimum order amount, but at least $6,000 is needed to qualify for the fee waiver.
- Gold purchases with a credit card are limited to $10,000 per month.
Buyback & refund program:
- Competitive buyback policy makes it easy to sell your precious metals back to the company when needed.
- Certified coins can be returned within 30 days for a refund if you’re not satisfied.
U.S. Money Reserve will also repurchase metals they originally sold to you, giving added liquidity and peace of mind.
Guarantees
U.S. Money Reserve offers several guarantees to help investors feel confident. The company will buy back coins and bars anytime.
For gold IRAs, they guarantee to buy back gold coins at either the current market price or your original purchase price — whichever is higher.
If you’re not satisfied, certified coins can be returned within 30 days for a refund.
Your precious metals are kept safe through professional vaulting services and audited depositories.
For home delivery, orders include insurance, tracking, and discreet shipping. Your personal information is also kept private.
While U.S. Money Reserve promises security and certified, IRA-eligible products, they don’t share as many details as some competitors about how your gold is verified and protected.
Still, gold and silver have a long history of holding value during economic downturns, making them a trusted way to preserve wealth.
Customer Experience
U.S. Money Reserve makes it easy to get help when you need it. You can call 1-888-706-0330 for quick answers, or reach them through Facebook and X.
Their team is known for fast, friendly service. The company focuses on educating investors about gold.
You can download a free gold information kit from their website or book a free consultation with an IRA Account Executive.
During these sessions, you’ll speak with a real person who will walk you through your options and answer your questions.
U.S. Money Reserve is also one of the few gold dealers that lets you buy gold and open an account online.
Their website is designed to be simple and easy to use, making the process smooth from start to finish.
Storage & Security
U.S. Money Reserve partners with A-M Global Logistics to provide gold IRA storage. A-M Global Logistics manages a full-service depository in Las Vegas, Nevada.
Neither U.S. Money Reserve or A-M Global Logistics provides detailed information on their websites about how inventory is stored or what types of protections they offer.
Account Setup & Maintenance
To set up an account, schedule a consultation with a U.S. Money Reserve representative or call U.S. the company directly.
- Schedule a call – Book a consultation on the website or call 1-888-706-0330 to get started.
- Meet your account executive – You’ll be paired with a U.S. Money Reserve account executive who’ll explain the process and answer questions.
- Verify your identity – Complete any online ID checks (you may be asked to press/hold a button to confirm you’re not a bot).
- Choose how to fund the IRA – Decide whether you’ll open a new gold IRA, transfer an existing gold IRA, or roll over funds from a 401(k)/IRA. (Important: For rollovers, you have 60 days from when you receive funds to deposit them into the new gold IRA to avoid taxes/penalties.)
- Pick your custodian – With your Account Executive, select an IRS-approved custodian to administer the account.
- Complete the paperwork – Your rep will guide you through all forms to open the IRA and verify any transfer/rollover details.
- Fund the account – Send the money via transfer, rollover, or contribution as instructed by your custodian.
- Select your metals – Confirm the gold (and any silver) you want that meets IRS purity rules for IRAs.
- Secure storage – U.S. Money Reserve arranges insured delivery of your metals to a partner, IRS-approved depository.
- Ongoing upkeep – You’ll receive statements from your custodian. Contact your account executive anytime for reviews, questions, or additional purchases.
Reviews & Reputation
U.S. Money Reserve has a strong reputation with more than two decades of experience. The company is AAA rated with the Better Business Bureau.
It has 4.09/5 stars with the BBB and 3.3/5 stars on Google. The company has received four complaints with the Better Business Bureau in the last 12 months.
Common complaints include the company gold valuation, liquidation delays, and issues receiving at-home deliveries.
U.S. Money Reserve maintains accounts on Facebook, Instagram, LinkedIn, YouTube, and X.
To get a more comprehensive view of U.S. Money Reserve, be sure to read additional reviews and customer feedback.
U.S. Money Reserve Alternatives & Competitors
While U.S. Money Reserve has been selling gold for decades, there are many alternative gold IRA providers to choose from.
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Our Rating:
4.8
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Our Rating:
4.5
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Our Rating:
4.2
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Minimum for IRA transfers:
$25,000
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Minimum for IRA transfers:
$10,000
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Minimum for IRA transfers:
$2,000
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Goldco
Goldco is a good alternative for beginners who want to learn how to use gold to protect their wealth.
Request free gold and silver guide
Birch Gold Group
Birch Gold Group is ideal for individuals who want to roll over existing retirement accounts beyond traditional IRAs and 401(k)s.
Not to mention, for every $10,000 purchased, investors earn a free gold bar.
Request Birch’s free gold info kit
Noble Gold Investments
Noble Gold Investments is a good option if your primary goal is to hedge against inflation. Noble Gold Investments charges an $80 annual account maintenance fee and $150 for storage.
These are ideal for individuals who want to keep gold on hand in times of emergency.
Request Noble’s free gold guide
Is U.S. Money Reserve legitimate?
Yes. U.S. Money Reserve has been in business for over 20 years and is a well-established precious metals dealer.
They offer gold IRAs as well as gold and silver coins and bars you can buy online.
Gold and silver are popular for retirement planning because they tend to hold value during economic downturns.
The company’s leadership includes a former U.S. Mint director and industry veterans. With 900,000+ clients worldwide, U.S. Money Reserve is one of the most recognized names in the gold IRA space.
The main drawback: Pricing, policies, and rollover details aren’t fully listed online. To get accurate information, you’ll need to speak directly with a U.S. Money Reserve account executive.
Some past complaints have involved high-pressure sales, so make sure you fully understand how a gold IRA works before committing.
FAQs
Where is U.S. Money Reserve located?
U.S. Money Reserve is located at 6500 River Pl Blvd Bldg 3, Suite 400, Austin, TX 78730.
Does U.S. Money Reserve have any pending lawsuits or complaints?
U.S. Money Reserve has several pending lawsuits and complaints. In 2011, U.S. Money Reserve agreed to pay $5 million in restitution for deceitful sales practices.
In 2015, Steckler Wayne & Love PLLC filed a class action complaint against U.S. Money Reserve alleging the use of misleading and deceitful sales tactics to defraud investors.
How to buy gold from U.S. Money Reserve?
To purchase gold from U.S. Money Reserve, call and speak to a representative or create an account to purchase gold online.
U.S. Money Reserve
U.S. Money Reserve is the only gold company led by a former U.S. Mint Director.
Product Brand: U.S. Money Reserve
3.5