Money Metals Exchange Review – Is It the Right Gold IRA Partner?

Keen to open a gold IRA to protect the real value of your savings but unsure which provider to trust? With so many precious metals firms in the market, choosing the right partner can be daunting. When I first started with gold IRAs, I faced the same uncertainty about who I could rely on to help safeguard my financial future.

Two decades on, I’ve worked with several precious metals companies — including Money Metals Exchange, a well-known bullion dealer. Drawing on that experience, this comprehensive review will help you decide whether Money Metals Exchange is your ideal gold IRA partner.

Read on for the insights I’ve gathered through detailed research and hands-on investing with Money Metals Exchange.

Money Metals Exchange: Quick Snapshot

Established in 2010, Money Metals Exchange LLC is a respected US precious metals dealer that also supports gold IRA investing. The company stands out for its broad product range, in-house storage, sharp pricing, and responsive support team.

A big part of its credibility stems from founder and CEO Stephan Gleason’s experience and advocacy. He launched Money Metals Exchange while serving as president of a national newsletter publisher focused on safeguarding liberties, assets, and privacy.

Gleason’s mission was to lift public understanding of precious metals. From that focus, he built a metals dealing business serving everyday and high-net-worth investors alike. He’s appeared on Fox News, Fox Business, CNN and CNBC, and is recognised as a seasoned executive, strategist, and investor.

His work has been featured in Newsweek, The Wall Street Journal, TheStreet, Mining.com and many other outlets. These credentials strengthen Money Metals Exchange’s reputation — and I’ll explain why that matters as we go.

The Best Gold IRA Companies in 2025

Before diving deeper into this review, note that I’ve assessed dozens of precious metals IRA providers over the past 20 years and compiled my top 5 gold IRA companies for 2025. It’s worth skimming that list before starting a transfer.

My #1 pick is Augusta Precious Metals, thanks to its A+ Better Business Bureau rating, hundreds of five-star reviews, and lifetime account support. You can read my full Augusta review or head to the official Augusta site for details.

What Helps Money Metals Exchange Stand Out

After investing through several bullion dealers, Money Metals Exchange is one of the few that impressed me across product depth, education, and storage. Highlights include:

Precious Metals Range

Before buying, I combed through customer feedback on trusted sites like BBB. Many reviews praised the breadth of products, which prompted me to dig in myself.

On the site, you’ll find an extensive line-up of investable options, including:

• Silver coins, rounds, bars, bullets, building blocks, junk silver, and more
• Gold coins, rounds, bars, Chinese Pandas, banknotes, and other items
• Platinum coins, bars, and jewellery
• Palladium coins and bars
• Rhodium bars
• Copper rounds, pennies, and bars
• Pre-built portfolios featuring popular gold and silver holdings
• Vault Metals: high-purity silver, gold, platinum, palladium and rhodium in brick form
• Gifting options such as gold jewellery, platinum jewellery, silver statues, bookcases, and more

Special Deals

There’s also a “Specials” section that lists overstocked items at discounted prices. The page is refreshed regularly, so new markdowns appear as inventory changes.

Educational Resources

I rate the site’s News/Resources hub. It collates market updates, price charts, primers, and more — handy for both first-time and seasoned precious metals investors who want timely insights without digging around the web.

Money Metals Depository

When I explored opening a gold IRA, I discovered that Money Metals offers its own storage facility — the Money Metals Depository — rather than pushing only third-party vaults.

Choosing a vault can be stressful, especially if you’re unsure about security standards. Your IRA metals may sit there for years, so confidence is crucial. The Depository’s security protocols helped win me over.

The Idaho facility provides segregated storage, keeping each customer’s holdings separate to avoid mix-ups.

The building itself uses thick steel and reinforced concrete, with UL Class 3 vaults for metals. On top of that, assets stored there are insured by Lloyd’s of London.

With robust security and insurance, I felt comfortable entrusting them with the storage of my gold IRA.

Selling Metals Back to Money Metals Exchange

When I started investing, liquidating quickly at fair prices was a headache. Ever since, I always check whether a dealer runs an in-house buyback.

Money Metals has a clear “Sell To Us” option. I found their buy prices competitive compared with similar services, so I went ahead — and the process was straightforward.

Here’s how it worked for me:

• Called 1-800-800-1865 and spoke with a representative about selling
• Shipped my metals to Money Metals Exchange via US Mail
• Once they authenticated the items, payment was released promptly

How to Invest with Money Metals Exchange

Setting up a gold or precious metals IRA with Money Metals Exchange is quite simple. I found the team’s guidance particularly helpful throughout.

When I called to discuss gold IRA options, the representative clearly explained what can and can’t go into a gold IRA, and then outlined the steps.

I proceeded with their three-step process to add metals to my IRA.

Step 1: Open a Self-Directed IRA

Money Metals suggests NDIRA for custodial services, but they’ll work with any self-directed IRA custodian. I already had an account with another custodian, so I kept that in place and used Money Metals as my dealer.

Step 2: Fund Your Account

Funding is handled by your custodian. I opted for a cash transfer, but you can also use a cheque or roll over funds from an existing IRA or 401(k).

Step 3: Choose and Buy Metals

After funding, I notified my custodian that I’d be purchasing through Money Metals Exchange, then selected items from their catalogue and completed the order.

Once the purchase settled, Money Metals arranged delivery to their secure depository. I also appreciated being able to track each holding online.

Money Metals Exchange Fees

While product pricing is competitive, I wasn’t thrilled with the higher transaction fees on certain payment methods.

Payments via PayPal incur an additional 4% fee, and cryptocurrency payments add 2%. The fee-free options are bank wire, paper cheque, or eCheque.

The Money Metals Depository also charges annual storage as follows:

• $96 for holdings valued up to $15,999
• 0.59% for $16,000 to $99,000
• 0.49% for $100,000 to $999,999
• 0.39% for $1 million to $2.9 million

Money Metals Exchange Rating on Consumer Review Sites

The Verdict

Money Metals Exchange delivers on secure storage, competitive pricing, broad product choice, regular specials, a smooth buyback, and professional support. That said, contact channels are limited and some payment methods add extra costs.

Weigh these trade-offs against your goals, budget, and service preferences to decide whether Money Metals Exchange is the right fit.