Goldmoney vs OWNx
The better choice for US precious metals investors.
Goldmoney and OWNx both let you own allocated physical gold and silver inside insured vaults, then buy and sell through a digital platform. Both have been around for nearly two decades. The fee structures, platform jurisdictions, and product coverage diverge sharply once you look past the homepage. This comparison works through real fee math from the published Goldmoney fee schedule and the OWNx pricing page, plus verified OWNx Trustpilot reviews.
OWNx is structurally better for US buyers, across every account size.
Choose OWNx if
- ✓ You are a US-based investor at any account size.
- ✓ You want a Precious Metals IRA (Traditional or Roth).
- ✓ You want at-cost EDGE pricing on active monthly accumulation.
- ✓ You want monthly auto-investing built in.
- ✓ You prefer US depositories with free US-domestic ACH funding.
Choose Goldmoney if
- • You specifically want allocated metal stored in Hong Kong, Singapore, Switzerland, Jersey, or London.
- • You are comfortable with 0.5% commission on every buy and every sell.
- • You do not need a US retirement account structure.
- • You do not plan to take physical delivery (redemption fees are 3% to nearly 5% of metal value).
Bottom line: for US buyers, OWNx is the structurally stronger choice across the spectrum, small saver through HNW builder. Goldmoney's headline storage rate is genuinely lower than OWNx's 0.6%, but the 1% round-trip transaction fee, US $10/month storage minimum, lack of a US Precious Metals IRA, and 3%+ physical redemption fees offset the storage advantage at almost every account size and use case.
OWNx vs Goldmoney, feature by feature.
Three areas where Goldmoney is the right call.
Lower headline storage rates than OWNx
This is the real Goldmoney advantage and worth stating up front. Per the Goldmoney fee schedule (Last Updated February 1, 2026):
- ✓ Gold storage: 0.25%/yr at all locations
- ✓ Platinum storage: 0.25%/yr at all locations
- ✓ Silver storage: 0.50%/yr at all locations
OWNx storage is 0.6%/yr (0.5%/yr inside an IRA). On a $250,000 gold holding, Goldmoney's 0.25% rate is $625/yr versus OWNx's $1,500/yr, an $875 annual difference at scale.
What flips this: Goldmoney's US $10/month storage minimum. Until your storage fee naturally exceeds $120/year, the minimum applies. That happens at roughly $48,000 of gold ($10/mo × 12 ÷ 0.25%) or $24,000 of silver. Below those break-points, the headline rate is irrelevant; you pay the minimum.
Vault choice across multiple jurisdictions
Goldmoney's allocated holdings can sit in Toronto (Brink's), London (Loomis or Brink's), Zurich, Hong Kong, or Singapore. For a buyer who specifically wants metal stored outside the US, for jurisdictional diversification, geographic hedging, or because they are not based in North America, that optionality is real.
OWNx is US-only: Delaware Depository Service Company (DDSC) and Texas Depository (TDS). That is the right fit for US buyers and the wrong fit for someone who specifically wants Asian or Swiss vaulting.
A 25-year operating history
Goldmoney has been operating since 2001, among the longest track records in retail allocated precious metals. Multi-decade tenure in this category is meaningful. OWNx's 2008 founding date is also long, but Goldmoney has it by seven years.
Six structural advantages that more than offset Goldmoney's storage rate.
OWNx's advantages are structural. Whether you have $2K or $2M in precious metals, the same six things make OWNx the stronger US choice, and most of them more than offset the storage rate gap.
Precious Metals IRA
EDGE 0% round-trip
No storage minimums
US-domestic ACH
Realistic delivery
One full-lifecycle platform
1. Precious Metals IRA is only available on OWNx
Goldmoney does not offer a Precious Metals IRA to US investors. Goldmoney exited the US IRA market years ago and has not offered a registered Gold or Silver IRA product to US clients since.
OWNx does: Traditional + Roth, $249/year all-in, no minimum balance, storage at 0.5%/yr (lower than the standard 0.6% OWNx rate, and lower than Goldmoney's 0.50% silver rate when comparing a silver-heavy IRA), and the IRA sits inside the same platform you already use for personal buying.
- ✓ 401(k) or Traditional IRA rollover buyer ($50K to $1M+): OWNx is the only choice between these two. Goldmoney cannot hold your retirement savings.
- ✓ Roth IRA builder adding metals to a diversified portfolio: OWNx is the only choice.
- ✓ Buyer with both a personal holding and an IRA position: OWNx is a single platform; Goldmoney handles half of that and you need a second provider for the other half.
OWNx's $249/yr flat IRA fee with zero minimum is one of the more aggressive terms in the whole Gold IRA category, significantly below the typical $180-$350 setup fees plus $80-$200 annual fees plus 0.5-1% storage that large gold-IRA operators charge.
2. EDGE at-cost pricing eliminates the 1% round-trip Goldmoney charges every transaction
Goldmoney charges 0.5% on every buy and 0.5% on every sell, per its published fee schedule. That is 1.0% per round trip on every position you open and close.
OWNx EDGE ($14.99/mo or $149/yr) removes the premium entirely on purchases. You buy at institutional wholesale prices. OWNx never charges a sell fee at any tier. So the OWNx EDGE round-trip transaction cost is 0% plus whatever bid-ask spread is in the market at the moment.
Worked examples on $10,000 of silver, bought and sold inside one year:
- ✓ Goldmoney: 0.5% buy + 0.5% sell = $100 in commission (excluding storage).
- ✓ OWNx Standard (mid-tier 3.49% premium): $349 to buy, $0 to sell = $349 (excluding storage).
- ✓ OWNx EDGE: $0 to buy, $0 to sell = $0 commission (plus $149/yr membership).
For an allocator buying $5,000-$10,000 per month, EDGE saves thousands of dollars per year on premium alone. The $149/yr membership breaks even against Goldmoney's 0.5%-each-way commissions on the first ~$30,000 of round-trip trading. After that, every transaction is pure savings.
3. No storage minimums at any account size
Goldmoney's fee schedule is explicit: “There is a US $10 minimum monthly storage fee that applies to Holdings with any balance. If the total storage fee on the custody of your precious metals is less than US $10/month, the minimum fee applies.”
OWNx has no storage minimums at any size. What this means at each account size, on a silver position:
Goldmoney's silver storage rate is 0.10% cheaper than OWNx's headline rate at scale. That is real. But two things rebalance the math:
- ✓ Below ~$24,000 of silver (or ~$48,000 of gold), Goldmoney's $10/mo minimum punishes the position. A $2,000 silver position carries a 6% annual storage expense at Goldmoney versus 0.6% at OWNx, a 10× difference at the small-investor end.
- ✓ OWNx EDGE's $0 commission at any monthly purchase volume completely dwarfs the storage difference for active accumulators. An allocator buying $60K/yr of silver saves $300/yr in commissions (0.5% × $60K) on EDGE versus Goldmoney, which more than offsets the $50/yr storage delta at $250K holdings.
4. US-domestic ACH and US regulatory structure
Goldmoney is a Canadian-listed company with operations in Jersey (Channel Islands) and primary banking in non-US jurisdictions. US buyers fund Goldmoney accounts via wire (free in) and pay $25 USD per wire transfer to withdraw. US tax reporting on gains held in a foreign-vaulted, foreign-administered platform requires care (consult a tax professional, including FBAR / 8938 considerations on non-US allocated metal holdings above relevant thresholds).
OWNx is US-based. ACH from any US bank into OWNx clears in 1-3 business days at zero transfer cost in or out. US regulatory jurisdiction applies end-to-end. Customer service is US business hours. Insured delivery is domestic. IRA custodians, depositories, and tax reporting are all US-domestic.
For US buyers at any size, the jurisdictional alignment removes meaningful friction.
5. Physical delivery is realistic at OWNx; expensive at Goldmoney
If you ever decide to take delivery, a coin tube, a 1kg bar, a few hundred ounces of silver, the cost difference between the two platforms is dramatic.
Goldmoney's physical redemption schedule charges:
- ✓ Gold: 3.00% of redemption weight
- ✓ Silver: 3.80% of redemption weight
- ✓ Platinum: 4.70% of redemption weight
- ✓ Minimum charge: US $1,250 per redemption request
So a $25,000 silver delivery on Goldmoney costs $1,250 (3.80% would be $950, minimum applies). A $100,000 silver delivery costs $3,800. A $50,000 platinum delivery costs $2,350.
OWNx delivers coins and bars to US addresses via insured shipping at the actual cost of fabrication, packaging, and shipping for the item, typically a small flat fee per shipment plus carrier insurance, not a 3-4.7% percentage of metal value.
If “physical metal I can hold” is even part of why you are buying, the Goldmoney delivery economics quietly remove that option for most buyers below institutional size.
6. One platform across the entire precious metals lifecycle
OWNx covers: personal buying (Standard or EDGE), monthly auto-investing, instant trade execution, insured storage, Precious Metals IRA, insured delivery, and liquidation, all in one account. You move between these without paperwork, without a second provider, without a second set of fees.
Goldmoney covers: personal buying, sell, allocated storage, physical redemption (at high cost). It does not cover IRAs. It does not cover monthly auto-investing, every purchase requires a manual order. It does not have a US-domestic banking relationship.
For investors who want simplicity, one login, one statement, one tax summary, one customer relationship, OWNx is structurally simpler. This matters more at larger account sizes, not less. A seven-figure portfolio across personal + IRA + monthly accumulation is easier to manage on one platform than across two or three.
4.2/5 across ~50 Trustpilot reviews.
Goldmoney has a lower review volume than OWNx, so we cite the Trustpilot AI summary rather than a representative selection.
“Most reviews are positive, highlighting excellent customer service and product quality, though some customers experienced delays in shipping.”
The shipping/delivery delay theme is consistent with the fee structure: physical redemption at Goldmoney is expensive, requires a full-bar registration, involves cross-border logistics from Toronto, Jersey, Zurich, or Hong Kong, and is not the volume use case for the platform. Most Goldmoney customers are buying-and-holding allocated metal, not taking delivery.
4.7/5 across 110 reviews.
OWNx's reviews track consistent themes: long-term customer tenure (10-15+ years), simple execution, fast liquidity, customer service that responds quickly.
“I've been a customer of OwnX before it was OwnX. Never had any issues with buying or selling. Received proceeds from selling very quickly. Very liquid and secure way of owning precious metals, in my opinion.”
“I have been a client since OWNX was SilverSaver, so more than 10 years, and have never had cause to go elsewhere for monthly savings in bullion. The rare issue has been taken care of expediently and personably. Change is inevitable and OWNX has proactively prepared clients and walked with us through that progression.”
“Been using OWNx for years. Moved money in and out easily without hassle. Surprisingly easy. I feel confident that my physical metals are secure and accessible when needed. I researched OWNx to ensure the physical metals are in fact intact and secure and accessible when needed, and I am confident they are.”
“The recent support from the customer service helped me with my transfer to a new trust for my IRA account. The support was greatly appreciated.”
“OWNX makes it so simple to invest in precious metals. Whether you want to just make a one time purchase or setup a recurring purchase, OWNX makes it possible and very easy to do. They also make it lightning fast to sell of some of your precious metals when the time comes.”
“We are thankful for this program that allows us to contribute to our holdings by amounts that won't break our bank. They are easy to navigate and all transactions are done in a timely manner.”
The clean two-list version.
Choose OWNx if
- ✓ You are a US-based investor (regardless of account size).
- ✓ You want a Precious Metals IRA: Traditional, Roth, or 401(k) rollover.
- ✓ You want at-cost EDGE pricing on active monthly accumulation.
- ✓ You buy and sell often enough that 1% round-trip commissions add up.
- ✓ You hold under ~$48K in gold or under ~$24K in silver (where Goldmoney's $10/mo storage minimum punishes the position).
- ✓ You ever plan to take physical delivery of meaningful coin or bar quantities.
- ✓ You value US-domestic ACH, US regulatory jurisdiction, US depositories.
- ✓ You want a single platform for personal buying + IRA + delivery + monthly auto-invest.
Choose Goldmoney if
- • You specifically want allocated metal stored in Toronto, London, Zurich, Hong Kong, or Singapore, not a US vault.
- • You hold $50K+ of metal long-term (above the $10/mo minimum) and rarely transact, so the headline 0.25%-0.50% storage rate dominates.
- • You do not need a US retirement account structure.
- • You will not take physical delivery (or you have positions large enough that the $1,250 minimum redemption fee is acceptable).
- • You want a 25-year, TSX-listed operating history specifically.
For US buyers, OWNx is the stronger fit across the range.
From the $25/month saver through to the $1M+ allocator, the IRA availability, EDGE 0% commissions, US-domestic banking, US depositories, no-minimum storage, and reasonable delivery economics are structural advantages that hold at every account size.
For international buyers, or US buyers who specifically want non-US vault jurisdiction and are willing to accept 0.5%-each-way commissions, the $10/mo storage minimum, and 3-4.7% physical redemption fees in exchange, Goldmoney is a credible 25-year platform with allocated storage across five jurisdictions.
Goldmoney's headline 0.25%/yr gold storage is genuinely competitive at scale. But for a US investor weighing the entire fee stack and product coverage, OWNx wins the round trip on commissions, eliminates the storage minimum below mid-five-figure positions, adds the IRA, adds monthly auto-investing, and keeps physical delivery realistic.
Open an account. Run one transaction. See if the fit is right.
The fastest way to understand the fit is to open a free OWNx account and run a single transaction. There is no minimum, no monthly fee on Standard, and no sell fee at any time. Already have an IRA you want to roll over? Ask the OWNx team about Traditional + Roth Precious Metals IRA setup at $249/year all-in.
Get started with OWNxCommon questions, direct answers.
Does Goldmoney offer a Gold IRA or Precious Metals IRA for US investors?
No. Goldmoney does not offer a Precious Metals IRA product to US investors. If you want metals inside a Traditional IRA, Roth IRA, or 401(k) rollover, OWNx offers it at $249/yr all-in with no minimum balance and storage at 0.5%/yr. This is the single biggest structural difference between the two platforms for US buyers.
Is OWNx cheaper than Goldmoney?
It depends on holding size and trading frequency. Below ~$48K of gold or ~$24K of silver: OWNx is dramatically cheaper, because Goldmoney's $10/mo minimum storage charge creates a 6% expense ratio on a $2K silver position versus OWNx's 0.6%. At $50K-$1M+ holdings with low trading activity: Goldmoney's headline storage rate (0.25% gold, 0.50% silver) is lower than OWNx's 0.6%, so Goldmoney saves $50-$1,000/yr depending on metal mix. For active buyers at any size: OWNx EDGE's $0 commission completely eliminates Goldmoney's 1% round-trip transaction fee, which more than offsets storage at any monthly purchase volume above ~$3,000.
Can I buy monthly on Goldmoney?
No native recurring-purchase feature. Every purchase requires a manual buy through the Goldmoney platform, with 0.5% commission charged on each transaction. OWNx Smart Auto-Investing lets you set a recurring $25+/mo (or daily) amount and have metals purchased automatically at the live base price, at 0% commission on the EDGE membership.
Can I take physical delivery from Goldmoney?
Yes, but at high cost. Goldmoney's published physical redemption fees are 3.00% gold, 3.80% silver, and 4.70% platinum, with a US $1,250 minimum charge per redemption. So a $25,000 silver delivery costs $1,250 (the minimum). A $100,000 silver delivery costs $3,800. OWNx delivers to US addresses at actual carrier-insured shipping cost, typically a small flat fee per shipment, not a percentage of metal value.
Where does each platform store the metals?
Goldmoney stores allocated metal in vaults in Toronto, London, Zurich, Hong Kong, and Singapore. OWNx stores in insured US depositories: Delaware Depository Service Company (DDSC) and Texas Depository (TDS).
Is Goldmoney safe?
Goldmoney is a TSX-listed Canadian company (XAU) operating since 2001 with allocated insured vaulting across multiple jurisdictions. The 4.2/5 Trustpilot rating across ~50 reviews is solid (lower review volume than OWNx's 110 reviews at 4.7/5). Safety is not the differentiator between OWNx and Goldmoney; jurisdiction, product structure, IRA availability, transaction commissions, and physical delivery economics are.
Are there any inactivity fees on Goldmoney that aren't on OWNx?
Yes. Per Goldmoney's fee schedule, accounts inactive for 3 years are charged a 1.00% one-time fee plus 1.00%/yr ongoing. After 7 years (dormant), 0.75% one-time + 0.75%/yr. OWNx does not charge an inactivity or dormancy fee on Standard, EDGE, or IRA accounts.
I have over $250K to allocate to precious metals. Why would I pick OWNx over Goldmoney?
Five reasons: (1) IRA availability: OWNx offers a Precious Metals IRA at $249/yr all-in; Goldmoney does not, so any retirement allocation must split off to a third platform. (2) EDGE eliminates round-trip commissions: at $250K holdings with 25% annual turnover, that's 1% on $62.5K = ~$625/yr in Goldmoney commissions you don't pay on EDGE. (3) US jurisdiction: US ACH, US depositories, US tax reporting, US customer service hours. (4) Realistic delivery economics: at $250K silver, a 10% delivery would cost $950 at Goldmoney's 3.80% rate (above the $1,250 minimum, so $1,250 actually applies); OWNx ships at carrier cost. (5) One platform: personal + IRA + monthly accumulation + delivery on one login, one statement, one tax summary. Goldmoney's headline storage rate saves ~$250/yr on a $250K all-silver position; the items above more than reverse that.