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Most precious metals companies have been operating the same way for decades: call a rep, get a quote, wire funds, wait for delivery or storage confirmation. OneGold takes a different approach entirely. Launched in 2018 as a joint venture between APMEX — one of the largest online bullion retailers in the country — and Sprott Inc., a global alternative asset manager, OneGold is a fully digital platform that lets you buy, sell, and hold vaulted precious metals from your phone at any hour of the day.
It’s a decidedly different approach. And just like all models, it’s got both its strong sides and downsides. In this review, we look into how much OneGold costs, what services it provides, for whom it works best, and when it might be better for an IRA to stay away from it. For broader context, our guides on precious metals investing and Gold IRA rollover pros and cons are worth reading alongside this.
Quick Company Snapshot
| Company | OneGold |
| Phone | (800) 492-9144 |
| Founded | 2018 |
| Ownership | Joint venture: APMEX & Sprott Inc. |
| Metals Available | Gold, Silver, Platinum |
| Minimum Investment | $100 |
| Storage Locations | USA, Canada (Royal Canadian Mint), Switzerland, UK |
| Insurance | Lloyd’s of London (physical loss); Royal Canadian Mint (Canada products) |
| Platform | Website + iOS & Android app |
| IRA Support | Yes, via preferred custodian network |
Our #1 Rated Gold Company for 2026
OneGold is built for digital-first investors. But if you’re focused on a retirement rollover and want a more guided, hands-on experience, Noble Gold Investments is our top-rated pick for 2026. Their free guide explains how IRA rollovers work, where fees tend to show up, and how to decide whether a physical metals IRA makes sense for your situation.
Fee Breakdown: What OneGold Actually Costs
OneGold’s pricing model is one of its clearest differentiators. Fees are published transparently on the platform — no phone calls required. Here is what you are actually paying:
My Quick Verdict
OneGold is best for: digitally-savvy investors who want low-cost, 24/7 access to fully vaulted and insured gold, silver, and platinum — with transparent pricing and no large minimum investment.
OneGold is not ideal for: investors who want a fully guided IRA rollover experience, those who prefer working directly with a single dedicated rep, or anyone who wants collectibles or rare coins.
Bottom line: OneGold is a genuinely modern take on precious metals ownership. Its fees are among the lowest in the space and the platform is built for transparency. But it is a different model from a traditional Gold IRA company, and investors need to understand that distinction before signing up.
What OneGold Actually Is
OneGold is not a conventional bullion dealer. You do not buy physical coins which are sent directly to you. What you are doing is buying digital ownership rights to your physically allocated and segregated metals held in reputable vaults all across the globe. These physical backing assets can be verified by the monthly vault inventory reports published by OneGold, showing actual physical quantities in its vault network.
The current amount of precious metals managed by OneGold exceeds 4 million ounces, while the total lifetime transactional volume of its parent company APMEX amounts to over $16 billion — definitely an important factor contributing to credibility.
Should you require physical delivery of your holdings, you can easily convert your digital rights to the precious metals for any physical product available at APMEX and receive your shipment within one or two business days via regular shipping methods. This process is similar to the usual online checkout process. Important notice: if you used your bank account, credit card or PayPal account to fund your OneGold account within the previous 60 days, the redemption of your holdings into physical metal will not be possible during this time span.
Where Your Metals Are Stored
OneGold offers quite an interesting feature among the bullion dealers – the choice of different vault jurisdictions in which the investor’s metals can be stored:
- United States: Vaulted with APMEX, Brinks, Loomis, and CNT. Suitable for investors based in the USA seeking easy access and convenient IRA compliance.
- Canada — Royal Canadian Mint: Registered under a distributed ledger which is updated and audited on a daily basis. Secured by the Crown corporation fully owned by the government of Canada. Insurance provided by the Mint.
- Switzerland: Held in Swiss vaults, offering political neutrality and one of the most stable jurisdictions in which to store precious metals.
- United Kingdom: Access to the London market metal price as well as additional geographical diversification within a G7 jurisdiction.
All the metals outside Canada are insured from losses against physical damage by Lloyd’s of London. Regular audits are performed by independent parties and their results are published in public domain.
Platform Features Worth Knowing
24/7 Trading
With OneGold you can trade around the clock, including nights, weekends, and holidays. Investors who are accustomed to operating under the constraints of dealer business hours will appreciate this functionality.
AutoInvest
With this option, you can set up recurring purchases either by a certain dollar amount or a certain number of ounces. You choose the frequency of such purchases — daily, biweekly, monthly, or quarterly. This is an excellent execution of the concept of dollar-cost averaging without having to log in and execute the trade yourself.
Transparent Pricing Before You Buy
All important data such as spot price, premium, and total are presented before you make a transaction. This is one of the steps up from the standard practice of not presenting spreads until after the conversation over the phone.
Buy Now, Pay Later
OneGold provides you the option of locking in the price before funds have cleared. By agreeing to the purchase, you fix the price at which it takes place at the spot price and wait for the clearing of your transaction to finalize it.
OneGold Credit Card
With OneGold you get a credit card that rewards you with gold. This is an uncommon offer for the precious metals market.
OneGold for IRAs: How It Works
OneGold facilitates self-directed IRA precious metal investments by means of preferred custodians. These include IRS-approved gold, silver, and platinum items. The company itself does not charge any extra costs for IRA accounts, custodian fees will apply separately and are based on providers.
The IRA account process includes choosing a custodian from OneGold’s preferred list, establishing a self-directed IRA with such custodian either via opening an account or transferring an existing one to a self-directed IRA account, funding the account via bank wire transfer, and then connecting the account to OneGold’s system to be able to purchase metals. OneGold’s customer service phone number for IRAs is (877) 742-1270 Ext 155.
One important distinction: OneGold does not manage the IRA relationship itself. The custodian handles compliance, reporting, and account administration. Investors who want a single company to handle both the dealer and custodian relationship — or who want a dedicated rollover specialist walking them through the process — may find that a traditional Gold IRA company serves them better.
What OneGold Does Well
👍 Storage fees that beat most ETFs
OneGold has an annual storage fee of only 0.12% for gold storage compared to the 0.40% – 0.60% management fees charged by gold ETFs. Over a period of years, that difference adds up in favor of OneGold for gold holders.
👍 Full price transparency before purchase
All the pricing of premiums, spot prices, and overall cost are displayed in full before making any trades. This is how every precious metals platform should be and very few traditional dealers offer it.
👍 Backed by APMEX and Sprott
APMEX is one of the leading precious metals companies in the world with over $16 billion lifetime sales and over 1.5 million clients. Sprott specializes in alternative investments worth almost $18 billion. This is institutional support of a very high caliber.
👍 Low minimum and fractional ownership
Investing in gold does not require such high minimum investments like $5,000 – $20,000 which is typical in most traditional dealer accounts but $100 with a fractional ounce option is more flexible.
Where to Think Carefully
⚠️ Not a traditional IRA rollover company
This platform is not designed to assist investors in IRA rollovers and there is no assigned personal specialist to help in that process. It is a self-directed platform. Those who need assistance at every step should choose differently structured platforms.
⚠️ Transaction fees add up for frequent traders
Some customer reviews indicate that fees for buying and selling are quite substantial for people who engage in frequent trading with small amounts invested per transaction. If that is your intention, then you need to calculate costs accordingly first.
⚠️ Physical redemption restrictions apply
If investors use bank account transfers, credit card payments, and PayPal deposits, they are subject to a 60-day holding period before being able to withdraw their precious metals physically.
⚠️ No palladium, no collectibles
Palladium is missing from the portfolio. OneGold does not deal with collectible items or rare coins either.
How to Get Started With OneGold
- Create a free account at OneGold.com or download the app on iOS or Android. No cost to sign up.
- Fund your account via bank wire, ACH, check, credit card, Bitcoin, or PayPal. Minimum deposit is $100.
- Choose your vault location — U.S., Canada, Switzerland, or UK — and select your metal: gold, silver, or platinum.
- Set up AutoInvest if you want to dollar-cost average on a schedule, or purchase manually at any time.
- To redeem for physical metal, visit the Redeem section on the website and select from any APMEX product. Ships in 1–2 business days once your holding period clears.
How OneGold Compares to Other Options
OneGold occupies a different part of the market than most traditional Gold IRA companies. Here is how it stacks up:
- Augusta Precious Metals — premium positioning with a heavy emphasis on investor education
- Goldco — strong brand recognition and consistently well-reviewed customer service
- American Hartford Gold — competitive promotions and broad product availability
- American Bullion — long-running dealer with solid rollover support
Not Sure Which Platform Is Right for You?
Noble Gold Investments is our #1 rated gold company for 2026. Their free guide helps you understand the difference between digital platforms like OneGold and traditional Gold IRA companies — so you can make the right call for your retirement strategy.
Final Verdict
OneGold is one of the most transparent and cost-efficient ways to own vaulted precious metals available today. The 0.12% annual storage fee for gold beats most ETFs. The platform publishes pricing before you buy. The backing from APMEX and Sprott is institutional-grade. The $100 minimum and fractional ownership make it accessible far beyond the typical precious metals investor profile.
Where it falls short is in IRA hand-holding and the breadth of product types. It is not a company that will walk you through a rollover, assign you a specialist, or help you choose between a traditional and Roth IRA. It is a trading platform — a very good one — and it works best for investors who already know what they want and prefer to manage it themselves.
Where it lands: OneGold earns a strong recommendation for cost-conscious, digitally comfortable investors who want low-fee exposure to vaulted gold, silver, or platinum. For retirement investors who need more guidance through the rollover process, compare it carefully against dedicated IRA specialists before making a decision.
Established in 2018, OneGold is a precious metals broker that provides clients with a seamless digital platform for purchasing, storing, and selling gold, silver, and platinum. Both an app and desktop version are available. The website states that the company has over 3 million ounces under its management. New Direction Trust Company, Preferred Trust, STRATA Trust Company, RocketDollar, and Kingdom Trust are all options for custodial services. The platform even offers a simple OneGold IRA option. No palladium items are present. Strangely, there is no catalog of specific products that are available through the company, such as specific coins. Prospective clients must first open an account. No details are provided regarding OneGold’s leadership team.
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