US Money Reserve Review

More people than ever before are investing in gold and other precious metals. They might be interested in buying physical gold or silver bars, or they might be interested in a precious metals IRA. No matter what they want, or no matter what you want, you must work with a legitimate company in order to meet your investment goals.

One company that you might be considering is US Money Reserve. It’s likely that you have seen their television commercials or heard people like Mike Rowe of “Dirty Jobs” talk about the company. Out of all the gold IRA companies out there, is US Money Reserve the right one for you? Let’s take a look.

About US Money Reserve – Is It Like Other Gold IRA Companies?

US Money Reserve is one of many options for those who want to buy gold, silver, platinum, and palladium for investment purposes. The company sells investors coins that are issued by the US mint, as well as bullion to those who want to diversify their portfolios with metals.

The company claims that it has worked with more than 1 million clients, and it works with people both in the US and in international locations. They have allegedly shipped more than $3.3 billion in coins with around 4.5 million coins shipped. This makes US Money Reserve among the biggest precious metals dealers in the US.

Every client who works with US Money Reserve works with a personal agent. This allows investors to establish a relationship with their agent. Each client is given a personalized strategy, too, based on their individual goals and financial needs. The company also has a 30-day return policy and a buyback program, which gives you the ability to sell your precious metals back to the company if you need to liquidate.

Is US Money Reserve Legitimate for Precious Metals Investments?

Yes, US Money Reserve is legitimate. It has a wide selection of coins available for investments, and you can easily verify that it has been in business for decades.

Usually, when people are looking for an investment opportunity, they will look for a company’s Better Business Bureau profile. This shows that the company has been in business since 2001 and that it’s been accredited since 2020. Currently, the company has an A+ rating. However, it’s important to mention that this has nothing to do with how customers feel about the company. To know this, and to find out if you can trust a company, you need to look at real customer reviews. Then, it’s possible to make informed decisions on whether or not a company is right for you.

Positive Reviews

As of June, 2025, US Money Reserve has a 3.91 out of 5 stars. This shows that the company has mixed reviews, but for now, we will focus on the positive reviews.

One recent reviewer gave the company a 5-star review. She said that all the people she dealt with at US Money Reserve did a great job at explaining the process. She is very happy that she chose to work with this company. US Money Reserve responded that they were happy about the customers’s experience and that they are happy to answer any questions she might have.

Another reviewer gave the name of the US Money Reserve representative that they are working with and ensured that they were happy with the process and everyone involved. Specifically, this reviewer mentioned that they did not feel pressure to buy anything, and instead, they felt that the process was secure and safe. Again, US Money Reserve responded that they were happy that the customer had a good experience.

We also saw a positive reviewer who said that they believed that the rep they were working with had their best interest in mind. They were happy with everything that happened, and will continue to work with the company. US Money Reserve thanked this reviewer and mentioned that they would be happy to do anything else to improve the customer service experience.

Around a year ago, a customer left a review about how they knew nothing about precious metals, but they picked up the phone and called. The reviewer said that the company representative explained how gold and silver investing work with the current economy and inflation, and explained that there were a variety of benefits that investors can receive by diversifying their portfolio. Before proceeding, the rep also explained how home delivery worked and that they ship with insurance for extra security for investors.

More customers have left positive reviews, too, of course, and they were all happy with the experience they had when they contacted US Money Reserve. Many of them mentioned their reps by name, and in many cases, US Money Reserve replied to these reviews with helpful information.

Customer Complaints

Every company has complaints, and US Money Reserve has many. There are also a total of 17 official complaints filed with the Better Business Bureau in the past three years.

The most recent complain comes from a customer’s family who claimed that their relative contacted US Money Reserve and bought almost $28,000 in coins. However, the customer who called has dementia, and the family claimed that the salesperson took advantage of the man’s condition. US Money Reserve responded to this and claimed they would refund the money, assuming the customer sends back the coins.

Honestly, this seems legitimate and something that could happen to anyone. However, not all of them are this simple.

For instance, one customer who left a 1-star review claimed that her father had bought coins that were greatly marked up over spot prices. The customer said that her father was told that there would be a $16,000 charge for fees and taxes. The father returned the coins, but the refund had not been processed. US Money Reserve disputed the claim, however. They stated that they didn’t have the father as a customer.

Another 1-star reviewer came from a customer who claimed that the company’s markup price was more than double the actual worth of the silver they purchased. However, US Money Reserve said that they didn’t have any customers with that person’s name, either.

There are three main things that people complain about when they talk about what they haven’t liked about US Money Reserve: missing buyback prices, valuation disagreements, and difficulties with cancellations.

Missing Buyback Prices

There are several complaints about missing buyback prices on the BBB site. One of these is from a customer who explains that he and his brother put money in together in order to buy coin sets from US Money Reserve. He said that his brother ended up misplacing three of the sets that he had bought out of six. The company stated that they would buy back the three, but at half of the original cost.

The brother of the person complaining eventually found another set. He reached out to the company to get a buyback offer, but the company said no. The customer writing the review said he tried, too, but the company would not give him any information about the current sales price or any other prices, including the buyback price. A different rep returned his call and stated that he could not discuss the brother’s account, and that even if he could, he would not be able to search for the buyback price. Finally, the rep claimed that the customer had a very hostile attitude.

The customer then ended the complaint by giving details about the original purchase in hopes that US Money Reserve would reply to his complaint.

US Money Reserve did respond to say that they couldn’t provide information about the brother’s account in order to protect his privacy. The company also said that they could not take action as they didn’t have any record that there was a financial partnership between the brothers. However, they also said that they would reach out to the brother to speak to him. They said depending on if they got information from the brother, they would be able to discuss the issue with the customer. They also denied that they had offered to buy back the customer’s coins at half-price.

The customer replied that he wanted information for his own benefit and that the information he wanted had nothing to do with his brother’s account. However, a day later, the complaint was closed and it was shown that the customer was satisfied with the response.

Valuation Disagreements

There are also issues with customers positing complains about disagreements about how much their coins or precious metals are worth. In this case, it was from a customer who was writing on behalf of his mother, who was almost 90-years old. The woman bought $60,000 worth of gold. The reviewer stated that he had the coins valued, and that they were worth only $28,000 for the whole set.

The customer accused US Money Reserve of preying on the elderly by running television commercials at times when older people were turned in. He also claimed that his mother had told him that the customer service rep the woman was working with told his mother to not tell anyone about what transactions she had made.

US Money Reserve replied and said that they disagreed with the customers assessment that the coins were only worth $28,000, but that if the customer returned the coins, they would refund the $60,000.

Difficulties with Cancellations

Another person posted that she spoke to US Money Reserve about buying gold coins. The customer was convinced to buy a single coin for $4,500. Four days later, the customer called to cancel the purchase.

This customer claimed that when she called to stop the purchase, the customer service rep tried to convince her to not cancel. Then, the rep said that he needed to check with his supervisor to see if it was possible to stop the transaction. He then said he would call the customer back. This never happened, though, and the customer tried to get in touch again. They were sent to voice mail. Then, the customer tried to call the main office, but only got a recording.

However, the day after the complaint was left, the complaint was updated to say that the company offered a satisfactory resolution.

Pros & Cons of US Money Reserve

Pros

• 30 day refund policy for qualifying accounts.
• Some fees are waived in the first year.
• Many of the positive reviews mention sales reps by name.

Cons

• Many complaints about pricing, cancelling, and up charges.
• Customers claim that the value of the coins is much lower than it should be.
• Many customers claim that the company will not return calls, and that they have difficulties reaching out to them and getting a response by both phone and email.
• Other reviewers claim that they were blocked from leaving reviews.

This company is in direct competition with Bullion Max. If you want to view another option, read that review and compare the two.

>> Official Website of U.S. Money Reserve

Final Thoughts – Is US Money Reserve a Good Company?

US Money Reserve is a common choice for those who know the key to success with investing is to diversify their profiles. Learning about the company is the first step to determining if it’s best to open an account or not. If you do decide to start today, just remember that there are som red flags to keep in mind before you start investing.

Though US Money Reserve has a decades long history in the precious metals industry, plus an A+ rating with the BBB, that doesn’t mean that the company is right for you. Many customers complain that they were sold very overpriced coins and when they were ready to sell the coins back, they got very unfair buyback prices.