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U.S. Money Reserve is a legitimate, Austin-based private company specializing in government-issued precious metals, including gold, silver, platinum, and palladium. Led by CEO Angela Roberts, the company helps investors diversify portfolios through physical metals and gold IRAs.
Opening an IRA involves three steps, requires a $6,000 minimum for new accounts, and carries a $250 annual fee.
Key strengths include a solid customer reputation, a generous 30-day refund policy, a strong buyback commitment, reputable custodian and depository partnerships, and responsive customer support.
Drawbacks include multiple customer lawsuits, a limited one-year fee waiver requiring a $25,000 minimum, no cryptocurrency IRA options, no rare numismatic coins, and a modest free silver offer compared to competitors.
Overall, U.S. Money Reserve is a credible precious metals dealer, though investors should weigh its limitations against stronger alternatives before committing.
What is U.S. Money Reserve? Are They a Scam? Or are They a Reputable and Legitimate Gold Investment Company?
U.S. Money Reserve isn’t a scam. They’re a legitimate and reputable precious metal dealer from the United States that acts as a major distributor of government-issued gold, silver, platinum, and palladium products.
U.S. Money Reserve focuses on helping clients diversify portfolios with precious metals, often guided by former U.S. Mint officials who found new work there.
Note: despite their name U.S. Money Reserve isn’t a government-affiliated precious metals dealer. They’re a private distributor though they specialize in government-issued tender.
| Name | U.S. Money Reserve |
|---|---|
| Date founded | 2001 |
| Location | 8701 Bee Caves Road, Suite 250, Austin, TX 78746 |
| CEO | Angela Roberts |
| Precious metals | Gold, silver, platinum and palladium. |
Who’s the CEO of U.S. Money Reserve?
Angela Roberts is the CEO of U.S. Money Reserve and she’s held that position for over two decades.
This is the trusted and safe US company I recommend to all American investors looking to diversify their investment portfolios without getting scammed in the process. They’re a legitimate, safe, and reputable company with many years of serving the U.S. people.
How to Open a Gold IRA With U.S. Money Reserve?
There’re three steps to opening a gold IRA account with U.S. Money Reserve.
- Step #1– complete the intake form and open a precious metals IRA with U.S. Money Reserve.
- Step #2– fund your account via transfer or rollover and wait a few days for the funds to arrive.
- Step #3– purchase IRA-approved precious metal coins and bars for your new gold IRA. U.S. Money Reserve’s helpful staff will help you along the way so you don’t accidentally buy a coins that aren’t eligible.
Overall, expect the process to take between 1-3 weeks.
What are the Fees for Opening a Gold IRA Account With U.S. Money Reserve?
U.S. Money Reserve charges an annual fee of $250 for maintaining a gold IRA account, though setup and storage fees are often waived for the first year with qualifying purchases.
Minimum order requirements are $6,000 for new accounts and $25,000 for rollovers or transfers.
| Fee type | Cost | Details |
|---|---|---|
| Account setup fee | / | Waived for most customers. |
| Custodian setup fee | $100-150 per year | Charged by custodian service managing your gold IRA. |
| Storage fee | $125-150 per year | Charged by depository holding your metals. Also covers insurance. |
This is the trusted and safe US company I recommend to all American investors looking to diversify their investment portfolios without getting scammed in the process. They’re a legitimate, safe, and reputable company with many years of serving the U.S. people.
6 Pros to Working With U.S. Money Reserve
U.S. Money Reserve a has a positive reputation on customer review platforms, though their presence on some watchdog sites is underdeveloped, with very few reviews on certain profiles and no Google My Business listing.
On the positive side, they offer a diverse product range including platinum and palladium alongside gold and silver. They partner with reputable custodians (Equity Trust and Preferred Trust) and well-known depositories including Brink’s and the Delaware Depository.
Their 30-day refund policy is notably generous compared to competitors like American Hartford Gold, which requires notification within just 7 days.
A strong buyback commitment adds further investor confidence. Customer support is a clear strength, with multiple dedicated phone lines for different account types and a contact form for inquiries.
Overall, U.S. Money Reserve offers several solid advantages despite some minor transparency concerns.
Pro 1- Excellent Reputation on Popular Customer Reviews Website
U.S. Money Reserve has a vey good (but not great) reputation on popular customer review websites. Their customers ae generally happy with their experiences with this company.
There’re also a handful of genuine complaint and negative reviews about U.S. Money Reserve. Always read those as they’ll help you develop a balanced opinion about this company.
Some of their profiles on consumer watchdog websites are highly underdeveloped with only one or a handful of reviews. And they don’t even have a Google My Business profile. That doesn’t mean they’re a a scam or a dangerous company to work with. It’s just weird given that they’re such an old company (20+ years).
| Consumer Watchdog Websites | Number of reviews | Score | Number of complaints in the past 12 months |
|---|---|---|---|
| BBB | 122 | A+ (4.3/5) | None or very few complaints |
| Trustpilot | 1 | 3.6/5 | None or very few complaints |
| ConsumerAffairs | 10 | 2.1/5 | None or very few complaints |
| Google My Business | / | / | No profile |
| Trustlink | 1 | 5/5 | None or very few complaints |
Note: U.S. Money Reserve has a decent score on Trustlink, but only based on 1 customer review. It’s an undeveloped profile and not enough for you to form an educated opinion about this gold investment company.
This is the trusted and safe US company I recommend to all American investors looking to diversify their investment portfolios without getting scammed in the process. They’re a legitimate, safe, and reputable company with many years of serving the U.S. people.
Pro 2- Platinum and Palladium Products Available
U.S. Money Reserve sells platinum and palladium products. You can buy bullion made from these precious metals alongside bullion made from the more popular and common gold and silver.
Pro 3- U.S. Money Reserve Works With Reputable Custodians and Depositories When Opening Gold IRAs
U.S. Money Reserve isn’t a custodian service. Nor are they a precious metal depository. Instead they work with reputable custodians and IRA-approved depositories.
The custodians U.S. Money Reserve works with is Equity Trust Company and Preferred Trust Company
The depositories U.S. Money Reserve works with are Brink’s Global Services, the Delaware Depository, A-M Global Logistics (AMGL) and CNT Depository.
Pro 4- Excellent Refund Policy
U.S. Money Reserve has an excellent refund policy. They will give you a full refund within the first 30 days of your purchase.
Note: a 30-day refund is very generous compared to what some other precious metals dealers offer.
For example, American Hartford Gold’s refund policy is several times stricter that U.S. Money Reserve’s. American Hartford Gold Group‘s refund policy states that to get a refund you must notify the company via mail or email within 7 days of signing the contract.
You also must return the metals delivered to your within 3 days of receiving them to get refund from American Hartford Gold.
This is the trusted and safe US company I recommend to all American investors looking to diversify their investment portfolios without getting scammed in the process. They’re a legitimate, safe, and reputable company with many years of serving the U.S. people.
Pro 5- Generous Buyback Policy
U.S. Money Reserve has a generous buyback policy.
This company offers a buyback commitment for certified coins at any time, and are available to liquidate all precious metals they’ve provided according to their liquidation policy.
However, bullion purchases typically do not have a money-back guarantee unless specified in an advertisement..
Pro 6- Excellent Customer Support
U.S. Money Reserve has an excellent customer support. Their staff is knowledgeable and happy to help you even if never invested with them before and are only snooping around for information.
You can contact U.S. Money Reserve via this phone number 1-866-646-8465.
You can contact U.S. Money Reserve via this phone (1-833-845-3003) if you’re already a customer of theirs.
You can contact U.S. Money Reserve via this number 1-855-889-5111 if you opened a gold IRA account with them.
The company also has a contact form you can submit to and then wait for their reply.
6 Cons and Complaints to Buying Precious Metals from U.S. Money Reserve
U.S. Money Reserve has six notable drawbacks worth considering before investing. First, the company has faced multiple customer lawsuits. Most were settled without major reputational harm, but it’s a concerning pattern.
Second, U.S. Money Reserve’s fee waiver policy is limited, covering only the first year and requiring a minimum $25,000 IRA investment. This is far less generous than competitors like Augusta Precious Metals, which offers a decade of waived fees to customers that qualify.
Third, the company’s product range is also relatively narrow, offering only gold, silver, platinum, and palladium, with no exotic noble metals or rare numismatic coins available. Fourth, investors seeking cryptocurrency options will need to look elsewhere, as no Bitcoin IRA is offered.
Fifth,, while the company does provide a single free silver coin to customers, it lacks the more substantial free silver promotions offered by competing firms.
Overall, U.S. Money Reserve is legitimate but falls short in several areas compared to industry peers.
Con/Complaint 1- Several Customer Lawsuits Filed Against U.S. Gold Reserve
U.S. Money Reserve has been sued several times by disgruntled customers. Most of these lawsuits were settled successfully and without reputational damage to U.S. Money Reserve.
However, it’s not a good sign when a precious metal dealer is sued by multiple people who bought from them and weren’t happy with the results. It’s not ideal even if the lawsuits had no lasting consequences for the company.
Note: despite these lawsuits U.S. Money Reserve is a legitimate company and most people who did business with them are happy with their choice.
You can read my U.S. Money Reserve lawsuit guide next to learn more.
This is the trusted and safe US company I recommend to all American investors looking to diversify their investment portfolios without getting scammed in the process. They’re a legitimate, safe, and reputable company with many years of serving the U.S. people.
Con/Complaint 2- Weak Fees Waiver Policy
U.S. Money Reserve has a weak fees waiver policy. They only waive fees for the first year of your account and only if you invested $25,000 or more in your new IRA account.
One year of no fees is better than no discount whatsoever. However, this pales in comparison to what Augusta does. Augusta Precious Metals waives setup, custodian & storage fees for 10 years for all customers, regardless of their order size.
Learn more about Augusta Precious Metals here.
Con/Complaint 3- No Exotic Precious Metals Available
U.S. Money Reserve only sells gold, silver platinum and palladium. This precious metal investment company doesn’t sell more exotic noble metals like iridium, rhodium, ruthenium and osmium.
The noble metals I mentioned above aren’t IRA approved, but bullion made from them is available though pretty scarce on the market.
Con/Complaint 4- No Free Silver Offer
U.S. Money Reserve doesn’t offer free silver to customers with qualified gold IRA accounts. This is a con because there’re several gold investment companies that do offer these and it’s a nice bonus to have on top of your gold IRA investment.
U.S. Money Reserve does give out free silver coins to people who do business with them. You get one silver coin on top of your investment.
Con/Complaint 5- No Bitcoin IRA Option Available
U.S. Money Reserve isn’t a Bitcoin IRA company. You won’t be able to add cryptocurrencies to your gold IRA if you decide to open an account with this company’s help.
This is the trusted and safe US company I recommend to all American investors looking to diversify their investment portfolios without getting scammed in the process. They’re a legitimate, safe, and reputable company with many years of serving the U.S. people.
Con/Complaint 6- No Rare Coins Available
U.S. Money Reserve doesn’t sell rare coins with high numismatic value. Meaning you’ll have to look elsewhere to satisfy your numismatic flair.
Pro tip: Noble Gold Investments is a rare gold IRA company that also stocks and sells numismatic coins. Noble Gold IRA allows you to open an account with them, fill it with IRA-eligible bullion and buy rare coins outside of your account as numismatic coins aren’t IRA-approved.
U.S. Money Reserve Review 2026- Legit or Scam? Pros, Cons, Fees and Customer Reviews and Ratings Included (Conclusion)
U.S. Money Reserve is a legitimate, Austin-based private distributor of government-issued gold, silver, platinum, and palladium. CEO Angela Roberts has led the company for over two decades. They offer gold IRAs with a $6,000 minimum, $250 annual fee, and a generous 30-day refund policy.
Strengths include strong customer reviews, reputable custodian partnerships, and solid buyback commitments. Drawbacks include multiple customer lawsuits, a limited fee waiver requiring a $25,000 minimum investment, no cryptocurrency IRA, and no rare numismatic coins.
While a credible and established company, investors should compare it against competitors before making a decision.
- U.S. Money Reserve User Agreement- https://www.usmoneyreserve.com/user-agreement/
- U.S. Money Reserve Inc. BBB Profile- https://www.bbb.org/us/tx/austin/profile/coin-dealers/us-money-reserve-inc-0825-52264/customer-reviews
- U.S. Money Reserve Reviews Consumer Affairs Profile- https://www.consumeraffairs.com/finance/us-money-reserve.html
- U.S. Money Reserve Trustpilot Profile- https://www.trustpilot.com/review/usmoneyreserve.com
- U.S. Money Reserve Trustlink Profile- https://www.trustlink.org/Reviews/US-Money-Reserve-207057781
Nikola Roza
Nikola Roza is the owner of Nikola Roza- Everything You Can Learn About Precious Metals. He writes for people who love precious metals and jewelry and who're interested in adding gold, silver platinum and palladium to their retirement portfolios. Nikola is passionate about gold IRAs and investing in multiple asset types for a safer financial future. He also runs a successful online jewelry store where you can buy precious metal jewelry and various replicas of famous coins and bars. Learn about Nikola here.
