Goldco Reviews
Highly-rated specialists have placed over $3.5 billion in gold and silver
Last updated: Oct 19, 2026
Edited by Gold IRA Planet Editorial Team · How we review
Edited by Gold IRA Planet Editorial Team
Fact-checks this site’s content · How we review
Some companies on this page pay us when you request a kit or open an account through our links. This can affect which companies we list and where, but not the facts we publish (our disclosure). Not financial advice.
The bottom line
Goldco is an established, well-reviewed choice for gold and silver IRAs, with an advertised buyback guarantee and a generous-sounding bonus-silver offer. The weak spot is transparency: fees are not posted, sources report different numbers and you will likely need a sales call to get a quote.
Our editors rate it highly for its track record, but treat the bonus as a perk, not a reason to buy, and get the spread on each product in writing.
Goldco has sold precious metals since about 2006 and is one of the most advertised names in gold and silver IRAs. The company says its specialists have placed over $3.5 billion in gold and silver, and it advertises over 8,000 5-star customer reviews, a buyback guarantee and a limited-time offer of up to 10% in bonus silver.
Metals are stored at approved depositories such as the Delaware Depository and Brink's. This review looks at what Goldco reportedly charges, its minimums and the catches behind its promotions.
Is Goldco legit?
Goldco is a real, operating precious metals dealer that has sold gold and silver IRAs since about 2006. Third-party reviews report strong customer ratings, but fee quotes vary by source and one reviewer could not get fees without a sales call - ask for every fee and the markup on your metals in writing.
- In business since about 2006 (reported)
- Works with approved depositories such as Delaware Depository and Brink's
- Publishes a buyback program
- Rated 4.4/5 across 1,791 Trustpilot reviews
“Legitimate” here means a real, operating precious metals dealer - not a recommendation or a guarantee of value. Metal prices can fall. Always confirm current fees, minimums and the markup on your metals in writing.
Key Features
- Gold and silver IRAs plus direct purchases
- Up to 10% in bonus silver on qualifying purchases (limited-time promo)
- Buyback guarantee (company claim)
- Over $3.5 billion in metals placed (company claim)
- Storage at the Delaware Depository or Brink's
- 4.4 on Trustpilot from 1,791 reviews (Oct 2026)
Products & Services
- gold IRAs
- silver IRAs
- rollovers from 401(k), TSP and other retirement accounts
- direct (cash) purchases of gold and silver
Fees & Minimums
Setup fee
one-timeOne-time account setup (reported)
Yearly fees
annualCustodian admin + depository storage
Minimum
Account minimum (reported)
Approximate only - sources disagree. Finder reports a setup fee of about $50, and ConsumerAffairs lists about $125 a year for administration plus $100 (non-segregated) or $150 (segregated) a year for storage.
Yahoo Finance instead reports a $275 application fee and about $225 a year. CNBC reports a $10,000 minimum first purchase and a $25,000 minimum account balance.
Goldco does not post its markups, and the bonus silver is tied to how much you buy - so compare the total price, not just the bonus. Finder found that Goldco's live chat would not quote fees and pushed for a phone call.
Ask for every fee, the spread and the buyback terms in writing.
How Goldco Works
- 1Step 1
Call or request the free kit
A specialist explains the process and current promotions by phone.
- 2Step 2
Open a self-directed IRA
Goldco helps you open an account with a custodian (reported to be Equity Trust).
- 3Step 3
Fund the account
Use a direct transfer or rollover from your existing IRA, 401(k) or TSP.
- 4Step 4
Choose your metals
Select IRA-eligible gold or silver, shipped to the Delaware Depository or Brink's.
Pros
- Long track record and a large base of positive reviews
- Bonus-silver promotion can add value on larger purchases
- Advertised buyback guarantee for when you want to sell
- Choice of Delaware Depository or Brink's storage
Cons
- Fees are not published and reported figures conflict
- Promotions are tied to purchase size and can distract from markups
- Pricing generally requires a sales call
- At least one reported complaint about silver pricing
Interested in Goldco?
Ask for current fees, minimums and the markup on your metals in writing. We may be paid if you request a kit or open an account through this link.
Visit GoldcoWho It's Best For
- Savers with $25,000 or more to roll over
- Buyers who want both gold and silver in one IRA
- People who prefer a well-known, established brand
Goldco reviews on
TrustpilotI was treated on all levels with...Respect and patience
“I was treated on all levels with patience and respect. Especially Joshua Hoffman. Every time we spoke, he was clear and helped me get an understanding of all my options. This initially was a little overwhelming for me because I usually don't try to do things like this. He helped me gain an understanding of what my options were and didn't make me feel incompetent.”
Brenda Favorite
US
All the transactions with Joshua...
“All the transactions with Joshua Hoffman were easy and efficient. Great products for a reasonable price. I am heavily invested in metals but I would consider Goldco if I increase my holdings”
William Brown
US
They explained the things I didn't...
“They explained the things I didn't understand or know! Very professional!!”
Frank E. "Eddie" Elliott
US
Buying experience with Joshua
“Joshua Hoffman and Ryan thoroughly and clearly explained investing in gold and silver. Josh was especially patient with me and very accomadating in helping with the incidentals. Thanks for the attentiveness.”
Anita Kobilis
US
Final Verdict
Goldco is an established, well-reviewed choice for gold and silver IRAs, with an advertised buyback guarantee and a generous-sounding bonus-silver offer. The weak spot is transparency: fees are not posted, sources report different numbers and you will likely need a sales call to get a quote.
Our editors rate it highly for its track record, but treat the bonus as a perk, not a reason to buy, and get the spread on each product in writing.
Goldco Review: FAQs
Is Goldco legit?
Goldco is a real, operating precious metals dealer that has sold gold and silver IRAs since about 2006. Third-party reviews report strong customer ratings, but fee quotes vary by source and one reviewer could not get fees without a sales call - ask for every fee and the markup on your metals in writing.
What are Goldco's fees?
Approximate only - sources disagree. Finder reports a setup fee of about $50, and ConsumerAffairs lists about $125 a year for administration plus $100 (non-segregated) or $150 (segregated) a year for storage. Yahoo Finance instead reports a $275 application fee and about $225 a year. CNBC reports a $10,000 minimum first purchase and a $25,000 minimum account balance. Goldco does not post its markups, and the bonus silver is tied to how much you buy - so compare the total price, not just the bonus. Finder found that Goldco's live chat would not quote fees and pushed for a phone call. Ask for every fee, the spread and the buyback terms in writing.
What does Goldco offer?
Goldco offers gold IRAs, silver IRAs, rollovers from 401(k), TSP and other retirement accounts, direct (cash) purchases of gold and silver.
Who is Goldco best for?
Goldco is best for Savers with $25,000 or more to roll over; Buyers who want both gold and silver in one IRA; People who prefer a well-known, established brand.
Is Goldco worth it?
Goldco is an established, well-reviewed choice for gold and silver IRAs, with an advertised buyback guarantee and a generous-sounding bonus-silver offer. The weak spot is transparency: fees are not posted, sources report different numbers and you will likely need a sales call to get a quote. Our editors rate it highly for its track record, but treat the bonus as a perk, not a reason to buy, and get the spread on each product in writing.
Related
Sources & methodology
We built this review of Goldco from the company's published information and third-party reviews of its fees and minimums, cross-checked against BBB and Trustpilot records and regulator and court records. Fee figures are approximate - sources often disagree, and we show ranges where they do. IRA rules come from the IRS and the tax code.
Company information
Minimums, setup and yearly fees, storage and buyback terms - the same fields for every company.
- Goldco - fees, minimums & policies (approximate; confirm in writing)
Company data checked October 2026
Customer & community feedback
Third-party signals shown on this page and in our full reviews: Trustpilot ratings and BBB and BCA records, as captured on the dates we note. We report what these sources say - we never fold their ratings into our own scores.
Regulatory & public-record references
- 1.Retirement topics - IRA contribution limits - Internal Revenue Service
- 2.Publication 590-A: Contributions to Individual Retirement Arrangements (IRAs) - Internal Revenue Service
- 3.Publication 590-B: Distributions from Individual Retirement Arrangements (IRAs) - Internal Revenue Service
- 4.26 U.S. Code § 408 - Individual retirement accounts - Legal Information Institute, Cornell Law School
- 5.10 Things to Ask Before Buying Physical Gold, Silver, or Other Metals - Commodity Futures Trading Commission (CFTC)
- 6.CFTC, SEC and states charge Red Rock Secured in precious metals fraud - Commodity Futures Trading Commission (CFTC)
- 7.Investor Alert: Self-Directed IRAs and the Risk of Fraud - U.S. Securities and Exchange Commission (Investor.gov)
- 8.FTC's Endorsement Guides: What People Are Asking - Federal Trade Commission
Last reviewed October 2026. We revisit comparisons when companies change their fees or policies. This page is general information, not financial, tax or legal advice - always confirm current fees, minimums and the markup on your metals in writing before you invest.