Best Buyback Program
Goldco Review 2026
Goldco ranks second on this site at 4.8/5, with a $25,000 minimum and a BBB A+ rating. Founded in 2006, it is listed here for its buyback program.
✓ Pros
- Buyback program is the company's main selling point
- Lower minimum than Augusta at $25,000
- A+ BBB rating
- Personalized service through a phone consultation
- Comprehensive rollover assistance
- Wide selection of IRA-eligible metals
✗ Cons
- Setup fees can vary
- Some products have higher premiums
- Phone consultation required for pricing
Start with the exit: Goldco's buyback program
Goldco's pitch is its buyback program, and the site's data says it often offers prices above spot for qualifying products. Treat that as a claim to check. A buyback price is set on the day you sell, and the gap between what you paid and what the dealer pays you is the real cost of holding metal. Ask these questions before funding the account:
- Is the buyback commitment written into the account paperwork, or only stated on the phone?
- How is the repurchase price calculated on the day, and from which spot price?
- Is there a fee or a waiting period to sell?
- Do the coins and bars you are buying qualify for the buyback?
- How long after a sale does the cash reach the IRA?
Company snapshot
Goldco was founded in 2006 and is based in Woodland Hills, California. The site lists a $25,000 minimum, which is half of Augusta's $50,000 and above the $10,000 minimums at American Hartford Gold and Birch Gold Group. Its BBB rating is listed as A+.
Products named in the site's data include American Eagles, Canadian Maple Leafs and Austrian Philharmonics, with help for 401(k) rollovers and IRA transfers.
Fees: what is known and what to request
Goldco's fee structure includes a setup fee and annual fees for storage and custodian services. The site's data adds that setup fees can vary and that some products carry higher premiums, and specific pricing comes only after a phone consultation. Ask for this list in writing:
- The setup fee amount, and whether it is ever waived.
- The annual custodian and storage fees, for segregated and for commingled storage.
- The premium over spot on every product you are shown, compared with a second dealer's quote for the same item.
- Any wire, shipping or insurance charges on the transfer and the purchase.
A 401(k) rollover with Goldco, step by step
Because pricing requires a consultation, the first step is a call:
- Take the consultation and ask for the fee schedule and product pricing in writing.
- Choose a Traditional or Roth Gold IRA.
- Complete the custodian's paperwork to open the self-directed IRA.
- Ask your plan administrator for a direct rollover. If a check is made out to you instead, you have 60 days to deposit the full amount or it becomes taxable.
- Select eligible metals. The custodian pays the dealer from the IRA.
- The dealer ships the metals to an IRS-approved depository, never to your home.
Where Goldco falls short
The site lists three drawbacks: setup fees that vary, higher premiums on some products, and a phone consultation that gates pricing. If you prefer to compare published prices online before speaking to anyone, the last point is real friction. If your balance is below $25,000, American Hartford Gold and Birch Gold Group both accept $10,000.
Our Verdict
Goldco is worth a close look if the sell side matters to you and you have at least $25,000 to move. Get the buyback terms and the full fee schedule in writing, then compare them against a second company before you fund the account.
