Goldco Review 2026

Overview

Goldco has operated since 2006. This site lists it with a $25,000 minimum, a BBB A+ rating and a 4.8/5 editorial rating. The sections below explain what that means for a rollover and what to verify before you fund an account.

The buyback guarantee: what to ask before you rely on it

Goldco is listed here as the best pick for buyback, and buyback is the part of a gold IRA that most savers think about least until they need cash. A buyback commitment means the company will purchase metals from you. It does not mean it will pay the price you paid. The price is set by the market at the time minus the company's spread, and the spread is the number that decides how much you keep.

• What is the buyback spread today, and is it published or quoted only on request?
• How many business days pass between your sell order and the cash arriving at the custodian?
• Does the buyback cover every coin and bar you bought, or only certain products?
• Are there fees at sale, such as a shipping or liquidation charge?

The silver bonus promotion

Goldco advertises a 10% silver bonus on qualifying new accounts. A promotion like this looks generous, so read its conditions closely. Ask what counts as a qualifying account, whether the bonus is computed on the amount funded or the amount purchased, and whether the silver you receive is IRA-eligible. Compare the bonus with the spread: a bonus of any size can be outweighed by a wider spread on the metals you buy.

Moving a 401(k) to Goldco, step by step

1. Call your plan administrator and ask whether the plan allows a rollover to an IRA and what form it needs.
2. Open the self-directed IRA with a custodian that Goldco names, and read the custodian's fee schedule.
3. Ask the plan administrator to send the funds directly to the new custodian. A direct transfer avoids the 20% withholding that comes with a check made out to you.
4. Approve the purchase only after you have a written quote that lists the metals, the quantity, the spot price and the dealer's price.
5. Confirm in writing that the custodian has sent the metals to an approved depository, and keep the confirmation.

Where your rollover money can come from

Goldco coordinates rollovers from an eligible 401(k), 403(b), TSP or existing IRA. A direct transfer from the plan administrator to the custodian is the cleaner path because no check is issued to you and no 20% withholding applies. Plan rules differ, and some employer plans do not allow a rollover while you are still working there, so ask your plan administrator before you ask Goldco to start the paperwork.

The $25,000 minimum in context

Goldco raised its minimum from $20,000 to $25,000 in January 2026. That puts it in the middle of the table: Augusta Precious Metals requires $50,000, Noble Gold $20,000, and Birch Gold Group and American Hartford Gold $10,000. Founded in 2006, Goldco has the second longest history of the five after Birch (2003). Its editorial rating is 4.8/5, second to Augusta, and it holds a BBB A+ rating on this site.

How to verify Goldco independently

• Open the company's BBB profile and read the closed complaints, not only the letter grade.
• Ask for the custodian agreement and the depository agreement before funding.
• Request a quote in writing for a specific coin and quantity, then ask a second company for the same quote on the same day.
• Record the name of every representative you speak with and the date of each promise.

Who Goldco fits and who should look elsewhere

Goldco fits a saver with at least $25,000 to move who cares about being able to sell later. The site lists A+ BBB Rating, Excellent Reviews and White Glove Service as its main features. Treat Excellent Reviews and White Glove Service as claims to test, not facts to accept: read recent public reviews yourself, and notice how the sales team handles your questions about fees. A saver with less than $25,000 should look at American Hartford Gold or Birch Gold Group, which start at $10,000, and a saver who wants a stated price match should request a quote from Augusta Precious Metals as well.

Frequently asked questions

What is the Goldco minimum?

This site lists a $25,000 minimum. The company raised it from $20,000 in January 2026.

Does Goldco buy back metals?

Goldco is listed here for its buyback program. Ask for the spread, the settlement time and any sale fees in writing, because those terms decide what you receive.

Is the 10% silver bonus free money?

No. It is a promotion with conditions. Compare it against the spread on the metals you buy before you treat it as a benefit.

Can I roll over a 403(b) or the TSP to Goldco?

The site lists rollovers from a 401(k), 403(b), TSP or IRA as supported. Your plan administrator controls what the plan itself allows.