JM Bullion
Money Metals Exchange
Min. Investment
$0
$0
Established
2011
2010
Storage Fees
0.5% – 1% Varies by account, usually 0.5% – 1% . Estimated annual fee.
0.39% – 0.59% $96 for assets up to $15,999
0.59% for assets between $16,000 and $99,000
0.49% for assets between $100,000 and $999,999
0.39% for assets over $1 million
Coin & Bar Selection
Strong bullion focus, IRA-approved metals, fractional sizes
Broad selection, includes rare coins, collectibles, pre-1933 gold
Payment Methods
Cards, PayPal, Wire, eCheck, Crypto
Cards, PayPal, Wire, eCheck, Crypto
Pricing Transparency
Real-time spot price updates
Real-time spot price updates
Best For
Affordable bullion, strong reviews, IRA simplicity
Collectors, rare coins, and premium features
Our Rating
(4.3/5)
(4.2/5)
Read Review
Read Review

Trust & Reputation: Which Dealer Ranks Higher?

JM Bullion leads the ratings comparison with a Trustpilot score of 4.3 from over 1,400 reviews and an A+ BBB rating.

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Consumer Affairs also shows strong satisfaction with a 4.5 rating. In contrast, Money Metals Exchange earns an A+ from the BBB, but its Trustpilot score sits at 3.3, and while Consumer Affairs gives a 4.7, the total volume of reviews is lower.

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JM Bullion’s review consistency across platforms gives it a slight edge when it comes to overall customer satisfaction.

Physical Purchases: JM Bullion or Money Metals?

Our preferred choice for gold and silver purchases is JM Bullion, thanks to its user-friendly tools, wide payment flexibility, and streamlined self-service features.

But there are a few key differences that could influence your decision:

Where they’re both strong:

  • Product range: Both offer gold, silver, platinum, and palladium coins, bars, and rounds.

  • Free shipping: Orders over $199 qualify for free delivery.

  • Buyback programs: Both allow you to sell metals back competitively.

  • Payment flexibility: Accept credit/debit, bank wires, checks, and crypto.ns.

Where JM Bullion stands out:

  • Website experience & tools: Features like AutoBuy and the Fear & Greed Index help investors plan.

  • Self-service buyback: Users can sell metals back 24/7 online without needing a rep.

  • Wider payment options: JM Bullion uniquely supports PayPal and PayPal Credit.

  • More product updates: New arrivals and promotions are updated more frequently.

JM Bullion gold bars

Where Money Metals stands out:

  • Monthly Savings Plan: Good for automatic purchases, though more limited than JM Bullion's AutoBuy.

  • Rhodium offerings: Money Metals carries this niche metal, while JM Bullion doesn’t.

Overall, while both platforms offer strong value, JM Bullion provides a better interface, more investor-friendly tools, and broader purchase optio

buy physical gold, Money Metals Exchange
Buy physical gold, Money Metals Exchange

Gold IRA Comparison: JM Bullion vs Money Metals

Our preferred choice for precious metal IRAs is JM Bullion, mainly due to its storage flexibility, transparent fee structure, and easy-to-follow process.

Both JM Bullion and Money Metals Exchange allow investors to open Precious Metals IRAs using partnered custodians and IRS-approved metals. But several key differences stand out:

Where they’re both strong:

  • Custodian support: Both partner with trusted custodians for IRA setup and management.

  • Wide selection: Each offers IRA-approved gold, silver, platinum, and palladium.

  • Buyback options: Both offer strong buyback programs for IRA investors.

Where JM Bullion leads:

  • Fee transparency: JM Bullion clearly lists setup and admin costs ($50–$300 range), while Money Metals doesn’t always specify.

  • Storage flexibility: JM Bullion partners with TDS Vaults, offering international storage in Zurich, Toronto, and Singapore.

  • Investor tools: Features like AutoBuy and real-time pricing help IRA investors strategize better.

  • Ease of liquidation: The 24/7 buyback tool streamlines the selling process—even for IRA metals.

IRA approved precious metals, JM Bullion

Where Money Metals has advantages:

  • In-house storage: Its Idaho-based depository is secure, segregated, and insured.

  • Rollover help: Offers strong customer support for rolling over IRAs or 401(k)s.

Still, Money Metals primarily recommends one custodian (New Direction Trust), which may limit investor flexibility. JM Bullion’s clarity, resources, and global storage edge it out as the more comprehensive IRA option.

how gold IRA works in Money Metals Exchange

Overall Winner: Money Metals Exchange vs JM Bullion

Overall, we recommend JM Bullion for both direct purchases and IRA investing. It offers more robust features, better self-service tools, and a smoother experience from start to finish.

  • Ratings Winner: JM Bullion – Higher and more consistent reviews across platforms.
  • Best for Direct Purchase: JM Bullion – More investor tools, wider payment methods, better website experience.
  • Best for IRA: JM Bullion – Transparent fees, flexible storage, and stronger investor support.