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GoldSilver.com has been selling gold and silver bullion online since 2005, making it one of the longer-standing names in the direct-to-investor precious metals space.
Founded by Mike Maloney, an author and monetary historian with a following built largely through his "Hidden Secrets of Money" documentary series, the company positions itself as both a dealer and an educator.
It carries gold and silver coins and bars, offers private vault storage, and supports precious metals IRAs. Over 1,400 customers have reviewed the company on Trustpilot, giving it a 4.2-star aggregate, but reviews on other platforms land far lower.
Before putting real money into physical metals through this platform, the full picture is worth understanding.
Key Takeaways
- GoldSilver.com has operated since 2005 and holds a 4.2-star rating on Trustpilot, but its BBB standing has been inconsistent and warrants scrutiny before committing.
- The free educational library, built around Mike Maloney's market research and video content, is one of the most comprehensive available from any U.S. bullion dealer.
- Storage fees run 0.06% of asset value per month (minimum $4), free shipping kicks in only at $499, and the product catalog is limited to gold and silver only, with no platinum or palladium.
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Who Is GoldSilver.com?
The company operates as an online bullion dealer and investment platform. Its core pitch is straightforward: buy gold or silver, store it in a secure vault or take delivery, and use the platform's educational tools to understand what you own and why.
Mike Maloney, the founder, is probably best known outside precious metals circles for his "Hidden Secrets of Money" video series, which has accumulated tens of millions of views on YouTube. That educational reputation is genuinely part of what GoldSilver.com sells alongside its physical products.
Customers can open five account types: individual, joint, business, trust, or IRA. Account setup takes roughly five minutes, with no account opening fees. Payment options include ACH transfers, credit cards, bank wire, check, and IRA rollovers.
Once funded, customers can monitor their holdings 24/7 through the online dashboard, place buy orders, or request delivery at any time.
Product Range
The catalog focuses entirely on gold and silver. That means no platinum, no palladium, and no rare or collectible coins beyond standard investment-grade products. For many investors, that is not a problem. For anyone looking to build a diversified multi-metal portfolio from a single dealer, it is a real constraint.
What GoldSilver.com does carry includes:
- Gold coins: American Gold Eagle, Canadian Gold Maple Leaf, and similar government-minted bullion coins
- Silver coins: American Silver Eagle, Canadian Silver Maple Leaf, silver rounds from private mints
- Gold bars: available up to 10 ounces
- Silver bars: ranging from 1 ounce to 1 kilogram and beyond, including 100-ounce options
- InstaVault: fractional ownership of larger bullion bars held in the vault, starting at 1/100th of an ounce for gold
Inventory availability has been a reported issue. Multiple review sources note that products are frequently listed as "Out of Stock," which can be frustrating if you are trying to buy a specific item at a specific price point.
Competitors like APMEX and JM Bullion carry deeper inventories and broader product lines, including coins from additional government mints and more rare numismatic options.
Pricing and Premiums
GoldSilver.com charges a premium above spot price on all products, which is standard practice for every bullion dealer. The specific premium varies by product type, quantity purchased, and whether you qualify for the company's "Insider" pricing tier.
To access Insider pricing, you need to meet a significant purchase threshold. Depending on whether you buy gold or silver, that entry point sits somewhere between $15,000 and $27,000 in total purchases.
For most retail buyers making one or two purchases a year, standard pricing applies, and that pricing is not the cheapest available in the market. Dealers like SD Bullion and APMEX frequently offer lower per-ounce premiums on comparable products for buyers who do not qualify for volume discounts.
The free shipping threshold is $499, considerably higher than the $199 threshold many competitors offer. Orders below that amount incur shipping charges, which can meaningfully affect the cost basis on smaller purchases.
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Storage Options
GoldSilver.com offers private vault storage through partnerships with Brinks and International Depository Services. Vaults are audited, monitored around the clock, insured, and independent of the banking system. Customers retain full ownership of their metals, accessible through the online account.
There are two storage tiers:
| Storage Type | Fee Structure | Notes |
|---|---|---|
| Allocated (standard) | 0.06% of asset value per month, $4 minimum | Metals held in pooled but fully insured storage |
| Segregated (reserved) | $35 per month per metal type | Metals physically separated and assigned to you; holding both gold and silver costs $70/month minimum |
In 2025, GoldSilver.com switched storage fee billing from monthly to quarterly, framing it as a convenience improvement. Storage locations span the United States and internationally, including options in Canada, Singapore, and Switzerland.
That geographic spread gives investors some flexibility in where their assets are held, which matters for certain tax and estate planning situations.
The InstaVault program allows investors to hold fractional positions in large bars without taking delivery, which lowers the barrier to getting started with vault storage. Metals held in InstaVault are also eligible for delivery if you later decide to take physical possession.
Precious Metals IRA
GoldSilver.com supports self-directed IRAs that hold physical gold and silver. You can start a new precious metals IRA directly or roll over an existing retirement account. The process involves GoldSilver acting as the dealer while a separate third-party custodian handles the IRA administration.
That means you will interact with two different entities to get an account fully set up.
Some competing Gold IRA companies handle the custodian relationship on your behalf, making the process feel more seamless. With GoldSilver.com, the customer is responsible for coordinating between the two parties. For investors who are comfortable doing that, it is not a dealbreaker.
For those who want a more hands-off setup, it adds friction.
Products eligible for IRA inclusion must meet IRS purity standards: .995 for gold and .999 for silver. GoldSilver.com clearly labels IRA-eligible products on their website, and their educational resources walk through the rules in enough detail that first-time IRA investors can orient themselves quickly.
Educational Resources
This is where GoldSilver.com separates itself from most competitors. The company has built a genuine library of free educational content that covers monetary history, macroeconomics, and practical precious metals investing.
The centerpiece is the "Hidden Secrets of Money" series, a multi-part documentary available for free that explores how monetary systems work and why some investors treat gold and silver as long-term wealth preservation tools rather than speculative assets.
Beyond the documentary, the platform publishes daily market updates, video analysis of gold and silver price movements, economic commentary, and beginner guides that explain the basics clearly.
A few reviewers have specifically noted that the education alone was worth their time on the platform, regardless of where they ultimately chose to buy.
For new investors, the value here is real. The content is practical and does not require prior financial knowledge to follow.
Customer Reviews and Reputation
The reputation picture for GoldSilver.com is mixed, and the divergence across platforms is significant enough to pay attention to.
| Platform | Rating | Review Volume |
|---|---|---|
| Trustpilot | 4.2 stars | 1,400+ reviews |
| ServiceRate | 4.7 stars | 194 reviews |
| BBB | Not accredited; rating disputed across sources | Limited data |
| Yelp | 1.5 stars | Low volume |
Positive reviews consistently mention responsive customer support, smooth online transactions, and satisfaction with the educational content. Many long-term customers report buying repeatedly since 2008 or earlier without issues.
Negative reviews cluster around a few recurring themes: slow check processing times when selling back metals, unclear communication when supply chain or delivery delays occur, fee transparency concerns, and difficulty resolving issues through customer service.
One Trustpilot reviewer in early 2025 reported that a buyback check took seven days to arrive and bounced after cashing. Cases like that are not the majority experience, but they are documented and specific enough to take seriously.
The pattern across low-rated reviews is less about product quality and more about customer service responsiveness during problems.
Buyback Program
GoldSilver.com operates a buyback program for products it originally sold. Customers can request a buyback quote through the website or by phone. Once agreed, the customer ships the metals to GoldSilver.com for verification, and payment follows based on current spot prices and product condition.
There are no additional liquidation fees charged on buybacks beyond the difference between the buy and sell price. That spread is the effective cost.
The process requires physical shipping, which adds a step that purely digital or brokerage-style accounts do not. Turnaround complaints from negative reviewers suggest that this process can take longer than expected in some cases.
Payment Methods
GoldSilver.com accepts a wider range of payment options than many competitors:
- Bank wire transfer
- ACH (instant or standard)
- Credit card
- Debit card
- Personal check
- PayPal
- Venmo
- Cryptocurrency
- IRA rollover
No account setup fees apply. The minimum investment for physical metals is $50, though the free shipping threshold of $499 means that smaller purchases carry added shipping costs. Digital metals through InstaVault have a lower effective entry point.
How GoldSilver.com Compares
| Feature | GoldSilver.com | APMEX | JM Bullion | SD Bullion |
|---|---|---|---|---|
| In business since | 2005 | 2000 | 2011 | 2012 |
| Metals offered | Gold, silver only | Gold, silver, platinum, palladium, copper | Gold, silver, platinum, palladium, copper | Gold, silver, platinum, palladium, copper |
| Free shipping threshold | $499 | $199 | $199 | $199 |
| Vault storage | Yes (Brinks, IDS) | Yes | Yes | Limited |
| IRA support | Yes | Yes | Yes | Yes |
| Educational content | Extensive (video series, daily updates) | Moderate | Moderate | Basic |
| Premiums vs. spot | Moderate to high at standard pricing | Moderate | Low to moderate | Low |
For buyers who prioritize price and selection, APMEX and JM Bullion offer broader catalogs, lower free shipping thresholds, and in many cases tighter premiums on comparable products.
For buyers who want a platform with deep educational resources and long-term vault storage that is well integrated with the purchasing experience, GoldSilver.com has a genuine edge.
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Who This Platform Works Best For
GoldSilver.com makes the most sense for:
- New investors who want to learn before they buy, and who will actually use the educational content
- Long-term holders who plan to store metals in a vault rather than take regular delivery
- Investors focused exclusively on gold and silver who do not need platinum or palladium
- IRA investors who are comfortable managing the custodian relationship themselves
- High-volume buyers who can qualify for Insider pricing and offset the higher standard premiums
It is a harder fit for:
- Cost-conscious buyers making smaller or infrequent purchases, where the $499 shipping threshold and higher premiums add up
- Investors who want platinum or palladium exposure from a single dealer
- Anyone who needs a fully managed IRA setup without coordinating between two separate companies
Conclusion
GoldSilver.com is a legitimate, long-running precious metals dealer with a genuine strength in investor education and a functional vault storage operation backed by Brinks and International Depository Services.
The mixed customer service reviews and higher shipping threshold are real drawbacks that deserve consideration before committing, particularly for buyers who plan to make frequent smaller purchases or who may need to sell back metals on a timeline.