Goldco Review 2026: Pros and Cons
- Stock trade fee
- N/A
- Minimum deposit
- $25,000
Our verdict
Goldco is an A+ BBB-rated gold and silver IRA provider that publishes its account fees but not its premiums over spot price.
Goldco generally requires a minimum of $25,000 to start a gold IRA and accepts rollovers and transfers from 401(k), 403(b), TSP and IRA accounts.(1) It also sells gold and silver directly outside an IRA.(2) Its annual account fees come to about $225 with non-segregated storage, but it doesn't publish the premium it charges over spot price.(1),(2) It says it will buy back metals at any time, though the highest-price guarantee applies only after three years and no specific buyback rates are guaranteed.(3) Its process pages say you choose your coins after your account is funded, and they list no prices.(4),(5) It has been BBB accredited since 2011 and has an A+ rating, and the BBB lists 72 complaints filed in the last three years.(6)
Pros
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A+ rating from the BBB, accredited since 2011
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4.4 Trustpilot score from 1,793 reviews
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Accepts rollovers and transfers from 401(k), 403(b), TSP and IRA accounts
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Direct gold and silver purchases outside an IRA
Cons
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$25,000 minimum to start a Goldco gold IRA
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Doesn't publish the premium it charges over spot price
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Coin prices aren't shown until after you fund your account
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Highest-price buyback guarantee applies only after three years
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Bonus silver offer doesn't disclose the premium on qualifying coins
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72 BBB complaints filed in the last three years
Goldco is best for precious metals IRA investing
Goldco specializes in self-directed gold and silver IRAs. The company facilitates funding through new contributions or by rolling over or transferring an existing 401(k), 403(b), TSP, IRA or similar account.(1)
What we like about Goldco
Goldco is a solid choice if you’re looking to invest a substantial amount in gold or silver IRAs and value personalized service. It has an A+ rating from the Better Business Bureau (BBB) and has been BBB accredited since 2011.(2)
Its direct gold and silver purchases also give individuals the flexibility to invest in precious metals outside their retirement accounts.(1)
Where Goldco falls short
Goldco generally requires a minimum of $25,000 to start a gold IRA, which might deter smaller investors or those seeking more flexibility. The company primarily focuses on gold and silver.(1)
Goldco’s site doesn’t disclose the premium it charges over the spot price of the metal.(3) It says it will buy back metals at any time, but the highest-price buyback guarantee applies only after three years from the initial purchase and no specific buyback rates are guaranteed.(4) Goldco’s process pages say you choose your coins after your account is funded, and they list no prices.(5),(6)
Goldco’s fees
Goldco publishes its account fees on its site but not the prices of the metals it sells. Its fee page doesn’t list wire, shipping or liquidation fees.(1)
- Account setup fee: $50 one-time
- Annual administration fee: $125 per year
- Storage fee: $100 per year (non-segregated) or $150 per year (segregated)
- Minimum investment: $25,000
These are account fees only. They don’t include the premium Goldco charges over spot price for the metal itself, which isn’t published on its site.(3)
Because these fees are largely flat regardless of account size, the effective cost is proportionally higher for smaller accounts — for example, $225 a year works out to 0.9% of a $25,000 account, versus 0.23% of a $100,000 account.
Goldco’s promotional offers
Goldco advertises bonus silver on qualifying orders: up to 5% back in free silver when you buy $50,000 to $99,999 of what it calls premium coins and 10% on $100,000 or more. The offer can’t be combined with other offers, and Goldco doesn’t disclose the premium on those coins.(3)
Is Goldco legit?
Goldco is based in Calabasas, California, and the BBB lists it as 15 years in business.(2) The company says it has helped thousands of Americans place over $3 billion in gold and silver, though it doesn’t give a source or time period for the figure.(3)
Goldco says it works with established bullion depositories and precious metals custodians.(1)
Goldco customer experience
| BBB accredited | Yes |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 4.82 out of 5 stars, based on 1,712 customer reviews |
| Trustpilot score | 4.4 out of 5 stars, based on 1,793 customer reviews |
| Customer reviews verified as of | 28 October 2026 |
As of October 2026, Goldco’s BBB profile shows an A+ rating and 1,712 customer reviews.(2) It also shows 72 complaints filed in the last three years, 34 of them in the last 12 months. The most common categories were service or repair issues (21), product issues (19) and sales and advertising issues (16). The BBB lists 59 of the 72 complaints as answered and 13 as resolved.(7)
On Trustpilot, Goldco has a 4.4 TrustScore from 1,793 reviews, 89% of them five-star. Reviewers who rate Goldco highly often describe helpful, patient staff who explain the options. The most common complaints in negative reviews concern prices and fees, and some customers report delays when selling metals back.(8)
Our top picks for gold IRA accounts
Invest in alternative assets, with tax advantages
T&Cs apply
- Choose from a variety of self-directed retirement account options
- Invest in alternative assets like real estate, crypto, private businesses and more
- Take advantage of tax benefits to grow your retirement savings
Up to $10,000 in free silver
T&Cs apply
- Free gold IRA investor kit
- Buyback guarantee your metals at the highest price
- Open a qualifying gold IRA & get up to 10% in free Silver when you invest $100,000 or more
Earn $200 per referral with a gold IRA
T&Cs apply
- No monthly or annual fees and low cost transactions
- Fully backed by physical gold and silver
- Get $200 for each funded referral, and they’ll receive $100 too
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Your reviews
Matt Finder
Investments editor and market analyst
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