Goldco Review 2026
Goldco makes gold IRA investing accessible with excellent support and streamlined setup.
Key Facts
| Minimum Investment | $25,000 |
|---|---|
| Free Promo | Free 1/10 oz to 1/4 oz Gold Eagle (spot value $340 to $850) |
| Promo Threshold | $25,000+ |
| Custodian | GoldStar Trust |
| Depository | Delaware Depository / Brink's |
| Founded | 2006 |
Partner disclosure: Our featured partner, Augusta Precious Metals, fulfills kit requests. This profile is for educational comparison.
Pros
- Excellent for beginners
- Strong buyback program
- Comprehensive guides
- Responsive support
- Easy rollover
Cons
- Higher premiums on some products
- Phone-based support primarily
Fee Snapshot
| Fee | Amount |
|---|---|
| Setup Fee | $50 |
| Annual Custodian Fee | $200 |
| Storage Fee | $150/year |
| Wire Fee | $30 |
Always request a current fee schedule in writing before funding an account.
Highlights
- Free gold coin on $25K+
- Buyback program
- Price protection
- White-glove service
How a Goldco rollover works, step by step
Goldco lists a $25,000 minimum, GoldStar Trust as the custodian and Delaware Depository or Brink's as the depository. A typical move from an old 401(k) or IRA follows the same order at any company on this site, so use it as a checklist when you talk to Goldco:
- Request the kit and read the fee pages before you speak with a representative.
- Open a self-directed IRA with the custodian. The custodian holds the account, while the dealer sells the metal. They are separate companies.
- Ask your current plan administrator for a direct transfer to the new custodian. A direct rollover sends no check to you, so no 20% withholding applies and no 60-day clock starts.
- Choose IRS-approved products with the dealer and confirm the price in writing.
- The custodian pays the dealer, and the metal goes to the depository in the account's name.
- Ask when the promotional coin is credited and keep that date in your records.
What a promotion that scales with your rollover means
The site lists Goldco's offer as a free 1/10 oz to 1/4 oz Gold Eagle, with a spot value of $340 to $850, and describes it as scaling with the rollover amount. The home page does not publish the tiers, which means the amount you receive depends on numbers you have to get from Goldco.
Ask Goldco for the tier table in writing: which rollover size earns which coin, whether the value is measured at spot or at the dealer price, and whether the coin is added to the account or applied as a credit against your purchase. Also ask what happens to the coin if you close or transfer the account early.
The two listed downsides: premiums and phone-based support
The site lists higher premiums on some products and phone-based support as the main drawbacks. Both are easy to test before you commit money.
- Ask for the premium over spot on each product you are offered and compare it with the quote from a second company on the same day.
- Ask whether you can get key documents, such as the fee schedule and buyback terms, by email so that you are not relying on a phone call.
- Find out what the listed price protection covers and for how long a quote stays valid.
- Ask for the buyback process in writing, including how the repurchase price is set, since the site lists the buyback program as a strength.
Goldco fees next to the other four
The site lists a $50 setup fee, a $200 annual custodian fee, $150 a year for storage and a $30 wire fee for Goldco. Adding the two recurring lines gives $350 a year. On the same site data, Augusta comes to $180, American Hartford Gold to $305 ($180 plus $125) and Noble Gold to $375 ($225 plus $150), while Birch Gold Group lists storage of $100 to $200 on top of a $200 custodian fee.
These are listed figures, not quotes. Ask Goldco for its current fee schedule and compare the totals over five years, together with the dealer spread on your first order.
Red flags to watch for with any gold IRA company
- A request for a card number or Social Security number just to send a kit.
- Numismatic or collectible coins described as IRA-eligible. The IRS excludes collectibles, and the home page treats a gift of such coins as a warning sign.
- Pressure to fund within 24 to 48 hours.
- Refusal to put the promotion terms, fees or buyback formula in writing.
Goldco is listed with a BBB A+ grade and a 4.8 out of 5.0 rating on this site. Check the current record at bbb.org and with your state regulator before you rely on either figure.
Who Goldco fits
Goldco suits a saver with at least $25,000 to roll over who is comfortable working mostly by phone and who wants a company that lists a buyback program and price protection. If you have $10,000 to $20,000, American Hartford Gold, Birch Gold Group and Noble Gold list lower minimums.
Goldco FAQ
What is the Goldco minimum?
The site lists a $25,000 minimum. Confirm it with Goldco, because the free coin tiers depend on the size of your rollover.
Which custodian does Goldco use?
The site lists GoldStar Trust as the custodian and Delaware Depository or Brink's as the depository. Ask which depository would hold your metal and whether storage is segregated.
Is the free Gold Eagle sent to my house?
No. IRA metal stays at an IRS-approved depository, and taking possession is treated as a distribution that is taxable and, before age 59½, carries a 10% additional tax.
Can I sell my metal back to Goldco?
The site lists a buyback program as a strength. Ask how the repurchase price is calculated and how long settlement takes, since proceeds from IRA metal return to the IRA.
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