US Money Reserve Review

by Grant HEnson

*The owners of this website may be paid to recommend some precious metals companies. The content on this website, including any positive reviews of these companies and other reviews, may not be neutral or independent.

If you’ve spent any amount of time looking into reliable investments for retirement funds, you know the value that gold, silver, and other precious metals hold. In most cases, these metals can safeguard your IRA against inflation and unforeseen economic crises.

The best examples of this come from the 2008 economic collapse and the more recent COVID-19 pandemic. During these times, almost every other form of investment was depreciating in value. Despite that, precious metals not only retained their value but actually appreciated in price. 

If you’re interested in a precious metal IRA yourself, I suggest appointing the services of a dependable precious metal investment company. One such company that caught my attention recently is US Money Reserve

At first glance, with 20+ years of experience and a variety of different investment & storage options, it appears to be a solid choice for most investors. Let’s take a closer look at this company’s services to determine the accuracy of this initial assessment. 

US Money Reserve: A Brief Overview

US Money Reserve is a fairly experienced company in the precious metal IRA investment sphere as it launched back at the turn of the century, in 2001. To my knowledge, the company has since served over 785,000 clients from around the world.

This history combined with the A+ rating given by the Better Business Bureau gives the company a level of trustworthiness that many investors — including myself — look for. Not only that, but US Money Reserve is also endorsed by the renowned American game show host, Charles Herbert Woolery. 

Speaking of endorsements, here’s how the general customer base of US Money Reserve reviews this precious metal IRA company.

Reviews and Ratings

Review Site


Number of Reviews

Complaints in the Past 12 Months

Better Business Bureau (BBB)







8 (1-star review)





Consumer Affairs



1 (1-star review)

The Best Gold IRA Companies in 2024

Before I get started with this review, I want to inform you that I have reviewed dozens of precious metal IRA companies over two decades, and I have curated a list of the top 6 gold IRA companies in 2024. I highly recommend reading this article before proceeding with an IRA transfer.

The #1 Best Gold IRA is Augusta Precious Metals, with its A+ rating from Better Business Bureau, hundreds of 5-star reviews, and lifetime account support. Read my review on Augusta Precious Metals, or visit the official Augusta website to learn more. 

What Makes US Money Reserve Stand Out?

While my initial impressions of US Money Reserve are quite positive, they aren’t enough for me to recommend the company to investors. So, I decided to dig a bit further into the services this company provides to its customers. This also helped me analyze how those services stack up against other precious metal IRA companies I’ve reviewed in the past. Here are my findings:

Comprehensive precious metal IRA

For a large number of investors, the precious metal IRA is the most significant service provided by US Money Reserve. Fortunately, the company offers a secure and reliable gold and silver IRA with all the bells and whistles one would expect. 

A few notable features of US Money Reserve’s IRA service include:

  • A silver bonus of up to 18,500 USD
  • A zero fee discount for the first year if your rollover account is above 25,000 USD or a new account is above 6,000 USD
  • A competitive buyback program for convenient liquidity

From what I’ve seen, the process of setting up a precious metal IRA with US Money Reserve is also quite effortless for both 401(k) rollover and new accounts. A large reason behind this breezy setup process is the Account Executives that US Money Reserve assigns to each customer. 

Diverse metal purchasing options

If you’re not convinced about the advantages of a gold IRA, and owning precious metals is more your thing, US Money Reserve has got you covered there as well. You can purchase gold and silver coins and bars from the online shop with ease and they’ll be delivered to your home within 5-10 business days. 

A few standouts from US Money Reserve’s catalog for me are the gold American Buffalo coins, the silver American Eagle coins, and the Pearl Harbor silver coins. Alternatively, if you’re more into bars, US Money Reserve also offers gold and silver bars ranging from 1 ounce to 1 kilo (2.2 pounds).

The best part of this shop, however, is that all of these coins and bars are available at market-competitive rates — further boosting US Money Reserve’s credibility. 

Secure storage

One of the most common concerns investors have when trusting a precious metal IRA company with their savings is the safety of their investment. So, how does US Money Reserve fair in this regard?

According to my research, US Money Reserve deposits its IRA precious metals to a company called A-M Global Logistics (AMGL). AMGL is a well-trusted entity in this field with nearly half a century of experience, so the safety of your investment is pretty much guaranteed. 

Reliable buyback program

In my eyes, a precious metal store that doesn’t offer convenient buyback and liquidity programs is not worth my business. The good news here is that this is not an issue with US Money Reserve. The company is willing to liquidate any and all precious metals that it has sold to its customers. 

On top of that, you also get the option to return any certified coins within 30 days of purchase to get a complete refund except for shipping, handling, and insurance costs.

Helpful educational content and tools

Someone who has spent years analyzing precious metal trading and IRA services — like me — can understand the validity of available offers quite easily. But, what about someone who’s looking to transfer their 401(k) without any prior knowledge of how the precious metal IRA market works? 

For those customers, US Money Reserve offers a very complete educational program. This includes both written articles, as well as video content for easier understanding. 

My personal favorite feature of this educational content is the diversification quiz. It asks a handful of questions about your current investments, future plans, and potential worries about recession. Once you’ve completed the quiz, US Money Reserve sends a customized Gold Information Kit to your email address to help you make the right decisions. 

Exceptional customer service

While I didn't run into any issues when looking into US Money Reserve’s website, I dialed their customer service number anyway to test its quality. Unsurprisingly, response time was faster than I expected and the customer service rep answered my queries in detail.

I also had a similarly pleasant experience with US Money Reserve’s social media teams on Facebook, Instagram, and X (formerly known as Twitter).


Unfortunately, US Money Reserve is not very transparent with its fee structure. According to its website, fees may vary based on the size of the customer’s account and the precious metals selected. However, I did find some evidence that points towards an annual fee of around 250 USD.

On the bright side, the company does offer to forgo these fees for the first year with a minimum rollover/transfer of 25,000 USD. The same discount also applies if you open a new account of 6,000 USD or more.

How to Invest with the Company

After thoroughly analyzing the services provided by US Money Reserve, I discovered two main ways of investing with this company. 

Home delivery

The first method is to purchase precious metals in their physical form and store them in a secure location yourself. Here’s how:

  • Visit US Money Reserve’s online shop and choose the option you want to purchase.
  • Click on “Add To Cart” and choose the number of that item you want to buy.
  • Next, click on “Begin Checkout” and then “Proceed To Checkout”.
  • After that, you can either make an account or proceed as a guest with just your email ID.
  • The last step is to provide your address and payment info, just like you would for any other online purchase.

Once you’ve placed your order, it should be delivered within the next 5-10 days. On a side note, make sure you have a secure place to store the delivered precious metals before they arrive. 

Precious metal IRA

The second investment method is to start a precious metal IRA with US Money Reserve. The neat thing about this method of investment is that a dedicated Account Executive will help you navigate the whole process from beginning to end. 

You can get in contact with this expert in two ways:

  • By clicking “Get Started” on US Money Reserve’s IRA web portal
  • Or by calling the company at 1-866-646-8465

Both methods work equally well in my experience.

Is It Reliable?

Short answer, yes, US Money Reserve is a reliable company for precious metal purchases and IRA investments. From everything I’ve seen, I have no concerns about poor customer service or funds-related issues. A similar sentiment is also found in all the positive reviews of this company online. 

Another factor that increases my trust in US Money Reserve is just how thoroughly its team manages customer complaints. On Better Business Bureau, I found 18 major customer complaints, and all of them were resolved within a day or two. 

Pros and Cons

Here’s a brief summary of my thoughts about US Money Reserve:


  • Over two decades of service with a nearly spotless track record
  • Offers convenient rollovers for customers with existing 401(k)s
  • Offers gold and silver in a variety of different coins and bars
  • Provides excellent resources for learning all about precious metal investments
  • Can help you liquidate your precious metal assets with ease
  • The company also offers secure home delivery with insurance and package tracking


Final Verdict

Given everything I’ve seen, US Money Reserve has earned my recommendation as a reliable choice for investors looking to purchase precious metals or create precious metal IRA funds. 

The thing that impressed me most about this company is just how effortless it is to do business with them. The variety of unique coins and bars available for sale is also a cherry on top for investors and collectors alike.

That said, I strongly advise you to seek professional financial consultation before investing your savings into a precious metal IRA with US Money Reserve. The same stands true for any other company you might be interested in. If you are still doing some research, you can take a look at my article on the best gold IRA companies or best precious metal companies in 2024.


Can I merge my 401(k) with US Money Reserve gold IRA?

US Money Reserve works with customers who already have a 401(k) to help them transition to a precious metal IRA.

Which metals can I buy from US Money Reserve?

You can purchase both gold and silver from US Money Reserve in various different forms, including coins and bars.

Does US Money Reserve have a minimum order size?

In my experience, the minimum order size depends on your payment method. For credit card payments, there is no minimum order size, but you can only purchase up to 10,000 USD worth of precious metals per calendar month. On the other hand, the minimum order size for bank wire payments is 1,000 USD but there is no maximum.

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