US Money Reserve Review

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US Money Reserve is a private distributor of U.S. government-issued gold, silver, and platinum coins, as well as other precious metal products. Founded in 2001, the company is recognized as one of the largest distributors of U.S. government-issued coins in the world.

Buying precious metals has never been easy especially due to the trust deficit that has existed in this space for a long time. But what if you could get your package straight from a company that is owned and headed by a former director of the U.S. Mint?

Well, that's what an organization going by the name U.S. Money Reserve claims to be all about and in this review, we’d like to talk more about what makes them worth considering whether for IRA or direct shipping of precious metals.

Eager to know how this firm compares to the competition? Our review of the best gold IRA companies captures some of the topmost precious metal dealers on the market currently. We have ranked them based on factors like quality, reliability, and the nature of services offered. Take a look at the full list here to see if U.S. Money Reserve made it this time around.

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What Is US Money Reserve?

us money reserve page

US Money Reserve is a private-owned precious metal dealer based in Austin Texas. The company was founded in 2001 and has over time grown to become one of the largest private suppliers of sovereign mint gold, silver, platinum, and palladium assets.

The company was founded by Philip N. Diehl who served as the 35-th director of the U.S. Mint in the period between 1994 to 2000. Diehl is widely considered one of the most successful U.S. Mint directors and is credited with among other things the following achievements while at the helm of the government institution.

  • He launched the 50 States Quarters initiative which proved a massive success, generating generous revenues for the mint and spurring widespread interest in the art of coin collection.
  • Improving the US Mint’s internal processes thereby enhancing its efficiency and profitability.
  • Played a key role in reducing the cost of minting coins and also pioneered the transition to the golden alloy dollar coin which is more durable than the copper-nickel variant that was in use at that time.

As a highly-rated precious metal firm, the US Money Reserve offers a wide variety of products ranging from coins to bars. They particularly stand out by their ability to provide rare and certified coins – something that has made them incredibly popular among coin collectors.

Other than offering a selection of precious metals from leading mints, the company provides market insights and educational resources designed to help investors make better investment decisions.

Request your FREE Investors Guide and your FREE Silver Coin

What Services Can You Expect from US Money Reserve?

The company prides itself on being a one-stop shop for all precious metal needs. Here are some of the key services that they provide.

1. Precious Metal Supplies for IRAs

At this point, it is worth clarifying that the US Money Reserve (USMR) is not a fully-fledged IRA company on its own. Instead, it is a liquidity supplier meaning it partners with IRA custodians like Equity Trust to complete the puzzle.

The custodians are responsible for handling all the IRA paperwork including account setup and rollover while USMR purely focuses on funding the IRA by providing liquidity in the form of IRA-approved precious metals.

Although USMR is open to working with any other custodian that you might have in mind, it has a preferred partner in Equity Trust and it’s easy to see why. Apart from being one of the most trusted names out there, Equity Trust provides free rollover services along with access to multiple storage locations across the US. Yup, you read that right.

The only thing you need to keep in mind is that the company’s storage fee starts from $225 and there’s also a setup fee of $50.

2. Direct Shipping of Precious Metals for Private Collections

Other than funding your IRA the U.S. Money Reserve can ship precious metals directly to you. You simply need to fill in your shipping address at checkout and the company will ship the package in discreet packaging to your location.

All their shipping is fully insured and a signature is required upon delivery. This is important for ensuring your precious metals arrive in perfect condition.

Overall, this company runs a reliable direct delivery service and presents you with a valid way to boost your personal collection of precious metals and coins.

3. Buyback & Price Lock Guarantee

A buyback guarantee is a good way to protect your investment by knowing that whatever precious metals you stock up on you'll be able to find a ready market for them at any time. The USMR reserve provides you with that convenience but only for the American Gold Eagle coin variant that was minted between 1986 and 1994.

This high-demand coin series features the very first coins that were minted when the series premiered in 1986 as well as the first three coins featuring the Arabic dating code which continues to date.

Other than the buyback guarantee, this company provides a price lock guarantee for first-time purchases which essentially means that your purchase price becomes their minimum buyback price. 

In other words, you will never receive less than the price you initially paid, no matter what.

Educational Services

As an investor, it is always wise to be one step ahead of the curve at all times. This is where continuous learning comes in.

Luckily, this is an area the U.S. Money Reserve excels at with a variety of programs such as:

Free Gold Info Kit

This handy copy is loaded with important details about gold and why adding this precious metal to your investment strategy is important. It tackles topics such as “The Reasons to Own Gold Now” and also “Protection in the Risk Zone” among other crucial wealth management topics.

This free report is, however, only available to folks who complete the following three steps:

  • Step 1: Filling out the form with your personal details to request for the free information kit.
  • Step 2: A business executive from the company will give you a call to verify your shipping address.
  • Step 3: Your gold information kit will be shipped to you within 5 business days (in some cases it takes fewer than 5 days to arrive).

So, if you are looking to build your foundational knowledge of gold as an investment, this is a program worth laying your hands on.

It arms you with information on how to diversify your wealth and also how to use precious metals as an insurance policy against financial downturns.

Video Room

If you're a spatial learner i.e., you prefer learning by watching videos, the U.S. Money Reserve has got loads of videos that you can refer to. They range from educational videos, and product update videos to client testimonials.

One outstanding thing about their videos is that they are recorded in HD, it's actually surprising they don't charge a fee to view them because they are really well made.

Special Reports

Market information is key when making financial decisions. This is something the USMR firm seems all too familiar with which is why they offer valuable and educational reports to their audience.

The special reports typically comprise details on current events, crucial research findings, and gold & silver insights.

Charts & Prices

Looking for an exclusive place where you access live precious metal prices along with historical price charts? This platform provides you with live interactive charts enabling you to track the performance of your favorite precious metals over time.

And the best part? These charts provide you with the current spot prices. This data is important as it indicates the real-time marketplace price enabling you to make even more solid decisions.

Diversification Quiz

We all know that diversification is key when it comes to investments. So, is your investment portfolio as diversified as top financial experts recommend? The diversification quiz provided by USMR is designed to help you answer that question.

This simple and interactive question comprises 10 multiple-choice questions. All you need to do is respond to them and the system will automatically provide you with customized feedback that can help you shape your investment journey better.

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What’s The USMR Inventory Like?

How good or bad a precious metal dealer is can be measured by the strength of its inventory. So, how does the U.S. Money Reserve fare in this regard? Well, they have got tens if not hundreds of products in their inventory, and those include the following:


There is no better way to preserve your purchasing power than with pure gold. And talking about gold, this vendor provides you with high-purity products among them:

  • American Gold Eagle
  • American Buffalo Eagle
  • Austrian Philharmonic
  • Canadian Maple Leaf
  • Iwo Jima Gold
  • The Pearl Harbor Gold coin…to mention but a few.


Silver is cheaper to own compared to gold and this makes it a perfect entry-level metal for beginner investors or those looking to diversify their portfolios. Some of the silver products available on the US Money Reserve inventory include:

  • American Silver Eagle
  • Iwo Jima Silver
  • Silver Eagle Monster Box
  • 100 oz Silver Bars from the Royal Canadian Mint, Johnson Matthey, etc.

Although they list platinum and palladium on their menu, we couldn't find any palladium or platinum coins on sale on their website at the time of compiling this US Money Reserve review.

Payment Options

Customers at this precious metal outlet enjoy a variety of payment methods such as Credit Card payment (Visa, Amex, and Mastercard) as well as Bank Wire transfer.

Unfortunately, the company is yet to embrace the use of cryptocurrency payment methods despite the world being squarely in the digital currency age. Is the US Money Reserve too slow to adapt to change? Well, from where we sit that seems to be the case.

Why Choose USMR Over Other Gold Dealers

In a world with hundreds if not thousands of precious metal dealers why should you consider working with the United States Money Reserve? First off, the company is affiliated with a former director of the US Mint so you can rest assured that they know a lot about precious metals.

Other than that, they are US-based and IRS-approved. This means you can buy from them confidence knowing that what you see is what you get.

To top it all up, the company has a rich inventory of gold and silver meaning you can always count on them to supply you with the liquidity you need to kickstart your investment.


  • High-quality precious metals
  • Excellent customer support
  • Good reputation
  • Lots of educational content
  • Free insured shipping for all shipments


  • Their platinum and palladium frequently run out of stock
  • Slightly pricier than the competition
  • Limited buyback guarantee
  • They don’t accept crypto payments


The U.S. Money Reserve is a credible liquidity supplier and, therefore, a good place to shop if you're looking for quality precious metals from credible mints.

Operating right from their physical offices in Austin Texas, they stand out as a reliable company that has stood the test of time. That said, they still have room for improvement, especially with regard to versatility, inventory, and flexibility of payment methods.

Overall, the good old USMR remains a shining beacon of hope in a market often characterized by cut-throat competition and extreme greed.

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