The only dealer with automated monthly accumulation and an in-house depository. But the Trustpilot score tells a mixed story.
Our rating: 4.2/5 — Unique tools and low entry point, but service quality is inconsistent.
Money Metals Exchange was founded in 2010 by Stefan Gleason in Eagle, Idaho. Gleason is a sound-money advocate who previously ran a newsletter publishing company focused on asset protection and privacy. The company sells gold, silver, platinum, palladium, rhodium, and copper products online, with a strong editorial identity around sound money principles.
What sets them apart: they operate their own custom-built depository in Eagle, Idaho (adjacent to the county sheriff's office), and offer the industry's only Monthly Accumulation Program for automated precious metals purchases.
Monthly Accumulation Program. This is genuinely unique. You set a monthly dollar amount and MME automatically purchases precious metals for you each month — dollar-cost averaging into gold or silver without having to manually place orders. No other dealer offers this.
In-house depository. The Money Metals Depository is custom-built with UL Class 3 vaults, armored steel and hardened concrete, 24-hour monitoring, and full Lloyd's of London insurance. Storage is segregated — your metals are never commingled or rehypothecated.
Free shipping on $199+ orders. Plus free shipping when sending metals to or from their depository.
Low entry point. Some products start around $100. The Monthly Accumulation Program can start at modest amounts, making it one of the most accessible dealers for new investors.
Transparent published pricing. Premiums are always visible on the website — no need to call for quotes.
BBB: A+ with 4.46/5 customer rating from 165 reviews. This is a solid BBB profile.
Precious metals loan program complaints. Several customers report that the loan program advertises up to 75% loan-to-value but then appraises metals well below market value, dropping the effective rate to 60%. Combined with ~$800 in round-trip shipping costs for a failed loan attempt, this has generated significant negative feedback.
IRA fee schedule not published. You have to contact customer service to get IRA fee details — a transparency gap for a company that otherwise publishes pricing openly.
Online only. No physical retail locations, no live chat, no mobile app.
No international shipping. US-only delivery.
5-day lost shipment reporting window. If your package goes missing, you have just 5 days to report it. That's tighter than most competitors.
BBB: A+ rating, accredited since March 2011. Customer rating of 4.46/5 from 165 reviews. 41 complaints in 3 years (14 product/service, 12 delivery, 7 billing). The company responds to most complaints and many are resolved to customer satisfaction.
Trustpilot: 3.3/5 from ~123 reviews. This is notably below industry peers. Negative reviews cite delivery delays, occasional product damage, and difficulty resolving issues.
Yelp: 4/5 — customers mention that when problems occur, the support team generally fixes them.
Their own site: Claims 75,000+ customers and 1M+ newsletter subscribers.
Money Metals Exchange has genuinely unique offerings — the Monthly Accumulation Program and in-house depository are real differentiators that no competitor matches. The low entry point and transparent pricing make it accessible. But the Trustpilot score (3.3/5), loan program complaints, and occasional service issues mean it's not the right choice for everyone. Best for: investors who want automated dollar-cost averaging and integrated storage. Less ideal for: anyone who prioritizes top-tier customer service or may need to resolve issues quickly.
Shop Money Metals Exchange — gold, silver, and automated accumulation plans.
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