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Investing » SD Bullion vs. Goldco: Which Is Better For Gold Investors?

SD Bullion vs. Goldco: Which Is Better For Gold Investors?

Looking to invest in gold? See how Goldco compares to SD Bullion for direct metal purchases and retirement IRAs.
Author: Baruch Mann (Silvermann)
Interest Rates Last Update: April 1, 2025
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Interest Rates Last Update: April 1, 2025

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

The information provided on this website is for informational and educational purposes only and does not constitute financial, investment, or legal advice. We do not provide personalized investment recommendations or act as financial advisors.

SD bullion logo

SD Bullion
Goldco
Min. Investment
$0
$15,000 / $25,000 $15,000 for cash purchases / $25,000 for gold IRA
Established
2012
2006
Storage Fees
0.29% – 0.39% Starts at $9.99. 0.29% annual fee for gold amd platinum products, 0.39% for silver
$100 – $150 Non-Segregated: $100 | Segregated: $150 per year . Estimated annual fee.
Coin & Bar Selection
Available in multiple weights
Limited to IRA-approved sizes
Payment Methods
Cards, PayPal, Wire, eCheck, Crypto
Bank transfer, card (with guidance)
Pricing Transparency
Real-time spot price updates
Prices not shown online
Best For
Budget-conscious buyers, small orders
IRA-focused buyers making large, guided purchases
Our Rating
(4.3/5)
(4.7/5)
Read Review
Read Review

Customer Satisfaction: Who Ranks Higher?

Goldco leads when it comes to customer satisfaction. With a near-perfect 4.8 rating on Trustpilot and Google, plus thousands of 5-star reviews on BBB and Consumer Affairs, Goldco consistently earns praise for its responsive support and transparency.

Platform
Rating
Trustpilot
4.8 (1,573 reviews)
Better Business Bureau (BBB)
A+ | Accredited Since 2011
Consumer Affairs
4.8 (1,688 reviews)
Google Reviews
4.9 (2,579 reviews)

SD Bullion also scores well — especially for pricing and product selection — but its Trustpilot rating is slightly lower at 4.3, and its Sitejabber score (3.3) pulls its average down.

Platform
Rating
Trustpilot
4.3 (2,648 reviews)
Better Business Bureau (BBB)
A+ | Accredited Since 2014
Sitejabber
3.3 (641 reviews)

While both are trusted dealers, Goldco has the edge in ratings based on volume and consistency of positive reviews.

Goldco rating

Buying Precious Metals Online: Who Does It Better?

When it comes to buying physical gold and silver, SD Bullion is the better choice for most investors.

SD Bullion clearly caters to hands-on buyers. It offers a massive range of metals including gold, silver, platinum, palladium, and even copper — ideal for investors and collectors alike.

Fractional sizes are available, and buyers benefit from transparent spot pricing, real-time price locks, and frequent deals.

Shipping is free on orders over $199, and storage is optional but affordable through the SD Depository.

SD Bullion gold coins
Example of SD Bullion gold coins (Screenshot from SD Bullion)

Goldco, while highly reputable, is more selective in its direct product line — focused solely on IRA-approved gold and silver. There’s a $15,000 purchase minimum and fewer customization options.

While Goldco excels in customer service and offers guidance, investors looking to place smaller or varied orders may feel limited.

0.25 oz gold uss texas coin, Goldco
0.25 oz gold uss texas coin, Goldco

SD Bullion also supports multiple payment options including crypto, which adds more flexibility. Goldco accepts standard payments but does not offer online checkout or detailed product pricing on its website — requiring a consultation for most orders.

Overall, SD Bullion is our winner for direct gold and silver purchases due to its product variety, lower prices, and flexible order minimums.

Which Is Better for Gold & Silver IRAs?

Goldco is the winner for Gold and Silver IRAs due to its deep specialization, higher transparency, and robust support throughout the rollover and investment process.

hey make the rollover process seamless, have high-quality IRA-approved metals, and provide extensive educational resources to help new investors understand the process.

Goldco clearly outlines its fees — $50 to set up, $80 for annual maintenance, and storage fees from $100–$150 — giving investors confidence in the costs upfront.

The Buyback Guarantee also offers long-term liquidity assurance.

Goldco open precious metals IRA
Open precious metals IRA, Goldco

SD Bullion also provides a solid IRA setup process, working with multiple custodians like Kingdom Trust and New Direction Trust. It offers a good selection of IRA-approved metals and secure storage through SD Depository, with free storage for the first three months.

However, its IRA fee structure is vague, requiring customers to inquire directly. While customer service is solid, it lacks weekend support and live chat, which could slow down time-sensitive decisions.

For investors with at least $25,000 to invest and a focus on retirement diversification, Goldco’s clarity, expertise, and reputation make it the stronger option.

IRA approved silver, SD Bullion
IRA approved silver, SD Bullion

Summary: Who Wins Where?

Both are excellent dealers, but if your goal is to open or roll over a Gold IRA, Goldco is the better fit. If you’re buying metals directly and want the most affordable prices and flexibility, SD Bullion is your go-to.

In this head-to-head comparison:

  • Ratings: Goldco wins with higher scores across Trustpilot, Google, BBB, and Consumer Affairs.

  • Direct Purchase: SD Bullion takes the lead for physical gold/silver purchases thanks to low prices, more selection, and no minimums.

  • Gold & Silver IRA: Goldco is the stronger choice, offering more experience, fee transparency, and investor support.

FAQ

SD Bullion carries international coins like Canadian Maple Leafs. Goldco focuses on U.S. and IRS-approved global coins for IRA use.

Goldco offers multiple options and some flexibility. SD Bullion primarily uses its in-house SD Depository for storage.

Neither SD Bullion nor Goldco offers a dedicated mobile app. Both operate through their mobile-optimized websites for browsing and support.

You can roll over funds from Roth IRAs into a precious metals IRA, but both dealers rely on third-party custodians to manage the account type.

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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This website is an independent, advertising-supported comparison service. The product offers that appear on this site are from companies from which this website receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear).

This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

This allows us to maintain a full-time, editorial staff and work with finance experts you know and trust. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impacts any of the editorial content on The Smart Investor.

While we work hard to provide accurate and up to date information that we think you will find relevant, The Smart Investor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

Learn more about how we review products and read our advertiser disclosure for how we make money. All products are presented without warranty.