Money Metals Exchange Review 2025
The educator's choice with unique monthly savings plans and competitive spot-price buybacks
⚡ Quick Verdict
Money Metals Exchange stands out with its unique Monthly Savings Plan for systematic investors and educational focus driven by founder Stefan Gleason. With an A+ BBB rating and 13+ years in business, they offer competitive pricing and one of the few buyback programs that pays spot price. Best suited for investors who value education and want to dollar-cost average into precious metals.
Key Facts at a Glance
Who Is Money Metals Exchange?
Money Metals Exchange was founded in 2010 by Stefan Gleason, a financial commentator who has appeared on Fox News and CNN. The company is headquartered in Eagle, Idaho and has built a reputation for educational content alongside competitive pricing.
What sets Money Metals apart is their focus on making precious metals investing accessible through features like the Monthly Savings Plan, which allows systematic investing with lower premiums than one-time purchases.
The Monthly Savings Plan: A Standout Feature
Money Metals' Monthly Savings Plan (sometimes called the "Monthly Accumulation Program") is their signature offering:
- Automatic monthly purchases of gold, silver, or both
- Lower premiums than standard retail purchases
- Dollar-cost averaging into precious metals
- No long-term commitment—cancel anytime
- Metals can be delivered or stored in their depository
This is ideal for investors who want to build a position over time without timing the market. The reduced premiums make it more cost-effective than placing individual orders each month.
Buyback Program: Pays Spot Price
Money Metals' buyback program is notably generous:
- Pays full spot price for many common bullion products
- Easy process: call for quote, ship with their prepaid label
- Payment within 1–2 business days of verification
- If metals are in their storage, selling is seamless with no shipping costs
Most dealers pay below spot for buybacks, so Money Metals' spot-price program is a meaningful advantage.
Pricing and Premiums
Money Metals offers competitive pricing, particularly for wire or check payments. Their premiums generally fall between the discount leaders (SD Bullion) and premium brands (APMEX).
Credit card purchases carry higher premiums due to processing fees—standard across the industry.
Precious Metals Lending
A unique offering: Money Metals allows you to borrow against your precious metals without selling them. This is useful for investors who need liquidity but don't want to trigger a taxable sale.
Storage Options
Money Metals operates segregated depository storage with several benefits:
- Fully insured, allocated storage
- Your metals are stored separately, not commingled
- No shipping costs when selling back to them
- IRA-compliant storage available
- Online account access to view holdings
Customer Service
Money Metals receives mixed reviews across platforms:
- BBB: A+ rating, 4.36/5 stars (140+ reviews)
- Yelp: 4/5 stars
- Trustpilot: More variable ratings
Common praise focuses on their educational approach and competitive pricing. Complaints occasionally mention shipping delays during high-demand periods and strict policies around lost shipment claims (must report within 5 days).
✅ Pros
- • Monthly Savings Plan with reduced premiums
- • Buyback program pays spot price
- • A+ BBB rating
- • Precious metals lending available
- • Segregated storage options
- • Strong educational content
- • Free shipping on $199+ orders
- • Copper rounds for budget-conscious buyers
❌ Cons
- • Mixed Trustpilot reviews
- • 5-day window for lost shipment claims
- • Smaller selection than APMEX/JM Bullion
- • Shipping delays during market volatility
- • Higher credit card premiums
- • Some political content in marketing (may not appeal to all)
Frequently Asked Questions
Is Money Metals Exchange legitimate?
Yes. Money Metals Exchange has an A+ BBB rating, has been in business since 2010, and is founded by a recognized financial commentator. They're a legitimate, established dealer.
What is the Monthly Savings Plan?
It's an automatic monthly purchase program where you invest a set amount in gold and/or silver each month. You get reduced premiums compared to one-time purchases and can cancel anytime.
Does Money Metals buy back gold?
Yes, and they pay spot price for many products—better than most competitors. The process is simple: get a quote, ship with their prepaid label, and receive payment within 1–2 days of verification.
The Bottom Line
Money Metals Exchange is ideal for investors who want to systematically build precious metals positions through their Monthly Savings Plan. Their spot-price buyback program is among the best in the industry, and their educational focus helps newer investors understand the market.
They're not the cheapest dealer for one-time purchases, and their customer service receives mixed reviews. But for consistent, systematic investing with a reliable exit strategy, Money Metals is worth considering.
Best for: Systematic investors who want to dollar-cost average into precious metals with a reliable buyback program.