Goldco Review 2026

How a Goldco rollover works, step by step

Most buyers come to Goldco with an old 401(k) or IRA, so the sequence of a rollover is the best place to begin. Goldco is a dealer, not a custodian. That distinction explains where each step happens.

• You speak with Goldco, choose metals and request an application.
• You open a self-directed IRA at an IRS-approved custodian. The custodian holds the account and reports it to the IRS.
• Your new custodian requests the funds from your old plan in a direct transfer. No check is made out to you, so there is no 60-day deadline and no 20% withholding.
• Once funds arrive, Goldco executes the purchase at the price in your signed order.
• The metals are delivered straight to the depository for storage. Nothing is shipped to your house, because IRA-owned metal cannot be kept at home.

Goldco's fee table and what it adds up to

From the home page comparison table, Goldco charges the following. Verify them against the current written schedule, because this is the table that decides your long-run cost.

Reading the 10% silver bonus before you accept it

Goldco promotes a 10% silver bonus on qualifying first-year accounts. The word that matters is qualifying. Before you rely on it, ask what balance qualifies, which purchases count, whether the bonus is delivered as metal inside the IRA and whether the bonus affects the price you pay for the metals you buy.

A bonus can still be a fair deal, but it is only as good as the price underneath it. Compare two written quotes for the same coins, one with the promotion and one from another dealer, and look at the premium over spot on each. If the promotion comes with a higher premium, the bonus is partly paid for by you.

The Goldco buyback guarantee: questions to ask

Goldco emphasizes its buyback guarantee, and our comparison table lists buyback as Yes for every company, so the useful question is how each one works. A guarantee to buy back metals does not say what price it will pay.

• Is the buyback price tied to the spot price on the day of sale, and what spread below spot does Goldco apply?
• How many business days pass between your sell instruction and cash arriving in the IRA?
• Is there a fee for selling, or for transferring metals in kind to another custodian?
• Does the buyback cover every product I bought, including any bonus silver?

Who should choose Goldco, and who should not

Goldco fits mid-tier retirement rollovers: someone with $25,000 or more who wants a long-established dealer with a written buyback policy, and who is comfortable doing the process by phone with an account representative. It also suits someone drawn to the silver bonus who will read its conditions.

It is a weaker fit if you have under $25,000, because American Hartford Gold accepts $10,000 and Birch Gold Group $5,000. It is also not the cheapest recurring option: at $230 a year it costs $30 more than Augusta. On a $25,000 account that is about 0.92% a year, against 0.4% for Augusta on $50,000.

Goldco next to the other four companies

Goldco's $280 year-one cost, including its $50 setup fee, lands in the middle of the group: Augusta is $200, American Hartford Gold $175, Birch $300 and Noble $310 in the same table. All five hold a BBB A+ rating. Goldco's 4.8/5 ranks second behind Augusta's 4.9. Goldco's edge over Birch is price, and over Augusta it is the lower entry point of $25,000 rather than $50,000.

How to check Goldco's claims yourself

Open Goldco's BBB profile and read the complaints and the company's replies. Look at the Trustpilot reviews sorted by lowest score to see what goes wrong, and note whether the company responds. Ask for the fee schedule, the order form and the buyback policy as PDFs. If a representative pushes you toward collectible coins, which the IRS excludes from IRAs, treat it as a reason to slow down.