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U.S. Money Reserve Reviews

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About U.S. Money Reserve

U.S. Money Reserve is a distributor of government-issued precious metals, including gold, silver, platinum and palladium. U.S. Money Reserve specializes in both physical precious metals and self-directed precious metals individual retirement accounts (IRAs), also known as gold IRAs. The company offers buyback guarantees, special offers, and secure and insured shipping, making it a reliable choice for first-time buyers and experienced precious metals owners alike.

Visit www.usmoneyreserve.com
Pros
  • No account fees for first year with eligible IRAs
  • Rollovers for existing 401(k)s
  • Buyback guarantee for select products
  • Free consultation
  • 24/7 online support
Cons
  • Setup, annual and storage fees
  • Only physical gold and silver available for purchase
  • No performance guarantees

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.

How does U.S. Money Reserve work?

U.S. Money Reserve works by offering self-directed precious metals IRAs and physical precious metals to customers. The company can set up a new precious metals IRA for you or transfer funds from an existing IRA. Customers with existing IRAs and 401(k) or other eligible retirement plans may roll over all or part of their investment into a gold or other precious metal IRA.

Once you make a purchase, U.S. Money Reserve will send the precious metals to a depository approved by the Internal Revenue Service (IRS) to be safely stored. If you opt to buy physical gold or silver instead, it will typically arrive within five to 15 business days.

You can get started with U.S. Money Reserve by scheduling a free consultation with one of its account executives to learn more about its products, pricing and process.

Return policy

Customers can return eligible certified coins within 30 days of purchase for a full refund, minus shipping, handling and insurance costs. You can still return certified coins after 30 days, though returns will be subject to its liquidation policy.

U.S. Money Reserve costs and fees

U.S. Money Reserve doesn’t disclose all of its costs and fees online, though it does list the costs of the precious metals you can buy in its online shop. Notably, U.S. Money Reserve will pay all account fees for its IRA program for the first year if you rollover or transfer a minimum of $25,000 or open a new account with $10,000 in select inventory.

Generally, U.S. Money Reserve’s fees will vary based on the size of your account and the precious metals you select. It states on its website that you can typically expect to pay a one-time setup fee, an annual administrative or maintenance fee and an annual storage and insurance fee, though other fees may apply.

Shipping fees

U.S. Money Reserve’s shipping fees depend on how much you’re buying.

  • Sales orders of up to $499.99: $15
  • Sales orders of up to $999.99: $25
  • Sales orders of up to $4,999.99: $35
  • Sales orders of up to $9,999.99: $45
  • Sales orders of up to $14,999.99: $55
  • Sales orders of up to $24,999.99: $65
  • Sales orders of $25,000 or more: Free

Who is U.S. Money Reserve best for?

U.S. Money Reserve is best for investors who want to diversify their portfolios with physical precious metals or explore a self-directed gold IRA. It can also be good for people who are interested in rolling over their existing retirement accounts, like a 401(k), into a precious metals IRA.

The company may also suit first-time buyers looking for educational resources on investing in precious metals, as well as experienced investors who value buyback guarantees and secure and insured shipping.

U.S. Money Reserve FAQ

Can I transfer funds from my 401(k) to a gold IRA?

Yes, you can transfer funds from your 401(k) to a gold IRA with U.S. Money Reserve.

Does U.S. Money Reserve have annual fees?

U.S. Money Reserve has annual fees, but it doesn’t disclose its fees online, so you’ll need to call it directly to learn more. For eligible IRA accounts, it will waive all account fees for the first year.

What metals can I buy from U.S. Money Reserve?

The metals you can buy from U.S. Money Reserve include physical gold, silver, platinum and palladium products, along with coins and bars, both for home delivery and for inclusion in precious metals IRAs.

What forms of payment does U.S. Money Reserve accept?

The forms of payment U.S. Money Reserve accepts are credit cards and bank wire transfers. Credit card orders don’t have an order minimum, though bank wires have a $1,000 order minimum. Maximum order limits also apply.

How does U.S. Money Reserve’s buyback program work?

U.S. Money Reserve’s buyback program works by allowing customers to sell their precious metals back to the company at current market prices. You’ll typically need to contact a representative to initiate a buyback.

Still have questions?

Is U.S. Money Reserve legit?

U.S. Money Reserve is a legitimate company that has facilitated more than $4.4 billion in transactions and delivered over 5.1 million precious metals products since 2001, according to its website. It offers precious metals from the U.S. Mint, the Royal Canadian Mint, the Austrian Mint and Australia’s Perth Mint, and it serves more than one million clients.

U.S. Money Reserve’s website offers educational resources, including comprehensive guides on transferring existing IRA funds and rolling over 401(k)s into precious metal IRAs, expert insights on gold ownership and up-to-date market analyses to help you make informed decisions. It also provides free gold-buying informational kits for those interested in learning more about owning gold.

U.S. Money Reserve might be a good choice if you’re looking to diversify your portfolio by buying precious metals or opening up a gold IRA or other precious metal IRA. It waives account fees with eligible IRAs for the first year, which is a nice perk. As with all precious metals investments, make sure to keep in mind that diversification is key and that there is an investment and carry risk.

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U.S. Money Reserve Reviews

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    Page 1 Reviews 0 - 40
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    Customer ServicePriceStaffRates

    Reviewed July 17, 2026

    I will not do business with us money reserve. Your five minute drives me nuts!!! Your reviews suck, as you cheat your customers! I called and your prices and markup is very poor>.Representative was a boiler room salesman. Have you read your reviews, as you have unhappy clients!

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    Customer ServiceRates

    Reviewed Sept. 4, 2025

    While the initial discourse with Matt seemed promising, the promises disappeared when I'm guessing the amount of money I was interested in investing was too low for them. I never did get a call back "within 20 minutes" regarding availability of a palladium coin, nor for any other reason. When I told the IRA woman I was not interested in setting up an IRA that seemed to kill their interest. I'm not sure that I would bother to invest anything at this point. Why invest at USMR when they are not interested in investing in me?

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      Raffi increased rating by 4 stars.
      Customer ServiceSales & MarketingPrice
      After a positive interaction with U.S. Money Reserve, Raffi increased their star rating.

      Reviewed Aug. 26, 2025

      I purchased a Ronald Reagan legacy set Two years ago for 18700. I called to due buy back program due to medical issue that has come up. They sent me a document to sign to prove who I am. No fraud involved. I was told would be sent a buy back quote. Within a few days when I did not receive I called. Spoke to a woman in customer service. I believe stated hadn't gotten quote back yet. She set up a time to call me back On Monday at noon. My time to go over quote. Never received call. Have left numerous messages…. Still no call back, quote etc.

      It’s ironic because I received multiple calls almost some weekly to buy more gold. Now no returns my call because I need to do a buy back. We have a state judge / attorney in the family whom I will turn this over to if I do not hear from them. Given no choice I talk people for their face value. Obviously been scammed like so many other people have mentioned in their reviews. I will give it a couple more days. I will expect my call back.

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      Reviewed Aug. 3, 2025

      I purchase a Reagan Legacy coin set. While I was happy to purchase it I didn’t realize how beautiful the coins would be in person. They were shipped via UPS and the company even made me sign for them so that I knew I was getting my coins and no one would steal them, because you know how things are these days.

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      Customer ServiceTechPriceBilling

      Reviewed June 9, 2025

      They received my coins collection on the 27th of May, process on the 28th, said that I was going to receive payment on 2 June and then changed to 6 June. Emailed Avery ** Customer Relations Administrator with no reply. No payment pending, contacted the bank which stated need the EFT transaction codes, and information to locate where these funds went to. Do not do business with this company. It’s almost $20,000 that they’re holding onto. They make you sign this contract that if we default, they charge us for the coins that we did not submit to the company. However, they give us no additional funds when they do not process the payment as agreed for the reselling of coins back to the company. I have several emails. But this is the last one that I did receive from her.

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      U.S. Money Reserve
      Response from U.S. Money Reserve

      We do not have anyone in our database who matches the information provided (name/email/location). We ask they contact us at 855-387-3382 to verify their information should they still need assistance. Depending on the status of a customer’s Return Agreement, once the payment is initiated, we ask they allow 1-3 days for the funds to be in their account.

      Customer ServiceSales & MarketingRefunds & PayoutsStaffSales Tactics

      Reviewed April 28, 2025

      USMR takes advantage and scams investors. The initial call was suppose to be conference. Never happened. Asked if fees were involved. Told $200/year. Prepaid for 3 years then 4th year told fee went up to $300. No notice given and USMR claimed my son had to pay for last year. Accounting practices are crooked. Purchased gold at $1568 in which statement showed a loss. How can that happen when the value of gold went up to $2918 in 3 years. Tried calling only to be put on hold, hung up on or never called back upon request. There's even a lawyer advertising he'll get your original investment back. DO NOT purchase an IRA. Sales staff are nothing more than high pressure telemarketers lacking customer service.

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      Customer ServiceCoverageSales & MarketingPricePunctuality & SpeedRefunds & PayoutsStaffRates

      Reviewed March 23, 2025

      After viewing the commercial and being dissatisfied with the stock market I called US Money Reserve and spoke with Melody, and after hearing the sales pitch and checking the BBB rating, I felt it was worth a try with gold. I was told not to take the coins to a gold dealer as they would not give what the gold was worth. She told me if I wanted to turn anything in to sell it back to US Money Reserve and at least get your initial price back. I moved ahead with the purchase and when I received the coins, they were as described. I would receive a sales call every two weeks by Tom to consider buying more to keep with the ever increasing gold prices and one time did increase with more coins.

      I had to sell a 1989 Reagan gold coin back to US Money Reserve that I purchased for $8700.00 to help my daughter only to find out that I would only receive $5300.00 and not the $8700.00 I purchased the coin for and when I asked why, was told it was not a seller's market! When Tom called with his bi-monthly sales call I told him I was unhappy with what transpired, and he told me he would pass this on to someone in Corporate who would talk to me about this. 5 weeks and I am still waiting! No call and to add insult to injury, when I sent the coin back as they wanted in its shell and case and insured it as required, the cost to return it back to US Money Reserve was $103.00 US Postal Service. Investor Beware!

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      Customer Service

      Reviewed March 18, 2025

      I called them once to get a booklet mailed to me. For a year and a half I have received relentless phone calls even though I told them to stop multiple times and just today they have called again. The harassment from this company is outrageous and I'll be contacting my attorney general office for assistance. Or retain an attorney.

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      Customer ServicePriceRates

      Reviewed March 14, 2025

      In the process of buying physical gold it was between 2 companies, U.S. Money Reserve and American Hartford Gold. I know now why American Hartford is rated #1 and US Money is rated one star. After call UMR a few times asking my questions Jessica became more and more rude. I invested 40k and I feel asking questions is part of the process, she also gave false information and changed what she said she was providing each time we spoke. I ended up hanging up after several calls and being treated poorly. I suggest staying away from US Money Reserve at all cost. We had use American Hartford who we are extremely pleased with.

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      Customer ServicePunctuality & SpeedRefunds & PayoutsStaffTimeliness

      Reviewed June 29, 2023

      I placed an order for some gold coins, then changed my mind a few hours later and called back and canceled the order. The next day they debited my checking account anyway. I called that day and asked that they credit the money back to my account. The representative agreed to take care of it right away but a week and three phone calls later nothing has been done. I was told that I had 24 hours to cancel and that I would not be debited until shipment. When I first contacted them I thought they a reputable company. I no longer think so!

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      Profile pic of the author.
      Gary increased rating by 3 stars.
      Customer ServiceSales & MarketingStaffTimeliness
      After a positive interaction with U.S. Money Reserve, Gary increased their star rating on Jan. 6, 2023.

      Updated review: Jan. 6, 2023

      Stevan did call us and explain very logically why the full value of my wife's account was not as printed and that Ms ** had given her a good value but was horrible in explaining. Was assured that this is a legitimate company.

      Original Review: Dec. 30, 2022

      Though I find a website that looks legit our personal experience has been very shady. An agent named Tammy Barba under a company called Equity Institutional worked with my wife in transferring her 401K into precious metals. After telling her that we wanted silver bars primarily to protect against inflation she called back with a proposal of different kinds of gold coins and my wife accepted her deal. We called back the next day and told her she didn't sell us what we had agreed on.

      Ms. ** told us the coins had already been shipped to a vault in Nevada and nothing could be changed. Throughout the time of dealing with her she doesn't gives the same answer, Strikes me as a pathological liar. At first my wife got printouts about every 3 months. August of 2022 was the last printout and numerous phone calls go unanswered, Now a guy named Stephen ** (sp?) under the name of US Money Reserve answers the phone. Says in a recording that he will call the first of the year. Not holding my breath but at least it gives us hope that this is not a total scam.

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      U.S. Money Reserve Company Information

      Company Name:
      U.S. Money Reserve
      Year Founded:
      2001
      Address:
      One USMR Plaza, 8701 Bee Caves Road, Building 1, Ste. 250
      City:
      Austin
      State/Province:
      TX
      Postal Code:
      78746
      Website:
      www.usmoneyreserve.com