GoldCore USA Review

What GoldCore USA actually is

GoldCore is a Dublin-headquartered bullion dealer that entered the American retail market under the trade name GoldCore USA LLC. The parent About page states that the group was founded in Dublin in 2003 and now serves clients in more than 130 countries. The Ireland head office is located at Level 1, The Chase, Carmanhall Road, Sandyford, D18 Y3X2.

The US legal entity is a limited liability company. The FAQ page names it as GoldCore USA LLC and lists a WeWork address at 200 Spectrum Center Drive, Suite 300, Irvine, CA 92618. A WeWork suite is a shared coworking space rather than an owned building, and that has implications for how a US customer meets the company face to face.

The BBB profile 1126-1000086298 lists a Business Started date of June 4, 1998, and a Business Incorporated date of March 29, 2021. Those two dates do not line up with a Dublin founding of 2003, and the BBB record is the older of the two. Read this as a piece to ask the intake team about, rather than as an accusation of anything wrong.

Stephen Flood is named as chairman and co-founder on the parent About page. The public materials describe a bullion trading business built around international storage, coin and bar delivery, and a Perth Mint Certificate program. Precious metals IRAs are one branch of that broader business, not the sole product line.

The published fee schedule that sets GoldCore apart

Most gold IRA firms we review do not publish a specific fee schedule on any public page. GoldCore is the exception in that respect. The company's FAQ prints an annual storage fee table by asset value tier, and the same tiers repeat on the storage page. That written price disclosure is this dealer's main editorial edge.

The tiers show a 1.00 percent annual storage fee for gold, platinum or palladium below 100,000 dollars in asset value. The rate steps down to 0.79 percent from 100,000 to 250,000 dollars, then 0.69 percent from 250,000 to 500,000 dollars. Above 500,000 dollars the rate is 0.59 percent, and above 750,000 dollars the rate falls to 0.49 percent.

Silver is priced on a separate schedule that starts higher. The silver storage rate is 1.00 percent below 100,000 dollars and 0.95 percent from 100,000 to 250,000 dollars, per the same storage page. The silver tiers move down from there but they never go below 0.75 percent above 750,000 dollars.

The BBB profile, read line by line

The Better Business Bureau profile for the GoldCore listing sits at business ID 1126-1000086298 at the Los Angeles regional bureau. The listed BBB category is Gold Buyers. The letter rating on file, per a Wayback capture of the profile taken September 6, 2022, is A plus. The public bbb.org URL returns HTTP 403 to automated fetches at the time of writing.

The BBB profile lists Accreditation Since August 3, 2021 and BBB File Opened on the same date. The listed Business Started date is June 4, 1998 and the listed Business Incorporated date is March 29, 2021. Matt Psarras is named on the profile as Business Management, Senior Bullion Advisor for North America.

On that same 2022 snapshot the profile listed zero customer reviews and zero closed complaints in the past twelve months and three years. A profile with zero reviews and zero complaints can mean two very different things. It can mean a low volume of US customers reaching for the BBB, and it can also mean a young US retail presence with limited customer footprint.

The BBB rating is not a government license, and BBB accreditation is a paid membership program with its own advertising and complaint response standards. The current live BBB counts may differ from the September 2022 snapshot. Verify them directly at bbb.org before you fund an account, since the specific numbers move without notice.

Custodian silence and depository partners

The GoldCore Gold IRA page describes a three-step precious metals IRA flow. Step one is opening a Self-Directed IRA through GoldCore's "recommended and approved custodian." The page does not print the name of that custodian anywhere in the visible copy we captured, which is a transparency gap for readers who vet the trustee first.

Under IRC 408(a)(2), an IRA can only be custodied by a bank, a federally insured credit union, a state-chartered trust company, or an IRS-approved non-bank trustee. GoldCore itself is a bullion dealer and does not appear on the IRS non-bank trustee list. The specific trust company partner behind the "approved custodian" language is the piece to ask the intake team to state in writing.

The storage page names the US depository partner as International Depository Services (IDS), with two IDS sites listed: IDS Delaware and IDS Texas. The page states that GoldCore uses IDS to provide storage to clients in Delaware and Texas. The IDS Group facilities carry COMEX and ICE Futures U.S. clearance credentials, per the same storage page.

How GoldCore USA serves Texas investors

GoldCore does not run a physical sales office in Texas. The US legal entity address is a WeWork suite in Irvine, California, and the parent group operates from Dublin, Ireland. Every Texan customer opens the precious metals IRA by phone through the +1 888 381 8130 line or through the online intake form on goldcore.com.

Texas storage is available through International Depository Services, which the GoldCore storage page names as its US depository partner in the state. The IDS Texas facility sits in the Dallas area at 3573 W. Northwest Highway, Building 300, Dallas, TX 75220, per the IDS Group public site (idsofdelaware.com and idsoftexas.com). Metal stored there stays inside Texas physical borders.

The state-run Texas Bullion Depository in Leander is a separate facility. It is operated for the Texas Comptroller of Public Accounts and sits under Texas Government Code Chapter 2116. GoldCore does not name the Texas Bullion Depository as a storage site on its public storage page. If Texas state-owned custody matters to you, ask the intake specialist in writing before you fund the account.

Texas has no state personal income tax, per Texas Comptroller resources on state taxes. There is also no state income tax on retirement account distributions. That means the federal ordinary-income rules under IRC 408 drive your tax picture whether you use GoldCore or another dealer, and the Texas piece is the same across dealers.

How to open a GoldCore precious metals IRA

The GoldCore Gold IRA page prints three steps on the site, but a Texas reader will actually work through more than three actions between the first call and a signed buy direction. The sequence below spells out the practical flow. Ask for every specific fee in writing at the first step and keep the emailed record.

1. Request the intake call and the buyer guide. The site offers a Buyer Guide download behind a form. Use the first call to ask which specific trust company partner will hold your IRA, plus every fee in writing.
2. Confirm the source account is rollover eligible. Traditional IRA, 401(k) after separation, 403(b), 457(b), TSP after separation, and SEP or SIMPLE balances all generally qualify. A pension in payment status does not.
3. Open the self-directed IRA at the named custodian. Get the trust company name in writing before you sign the custodian application, and confirm the depository selection on the same paperwork before you submit.
4. Request a direct trustee-to-trustee rollover. The source plan wires the balance directly to the new IRA. This route avoids the 20 percent mandatory federal withholding and the 60-day redeposit clock that an in-hand check triggers under IRS rules.
5. Sign the buy direction for GoldCore product. With cash in the IRA, sign a written buy instruction telling the custodian which IRS-approved coins or bars to purchase from GoldCore. The custodian pays GoldCore out of IRA cash, not you personally.
6. Confirm the storage tier in writing. Ask which vault site the metal will occupy, either IDS Delaware or IDS Texas, and confirm which storage tier percentage applies at your funded asset value.
7. Save the fee schedule and the buyback language. Before signing final, keep an emailed record of the storage tier, inbound shipment fee, release from storage fee, dealer buy premium per coin, and buyback language for the specific coins you purchased.

Worked example: storage drag on a Texas rollover

Regulatory posture and enforcement search

GoldCore's About page states that the parent was regulated in Ireland from 2005 until July 2018, running a wealth management business that was sold in 2015. The current bullion business is described as not requiring regulation. In the United States, physical bullion sales are not securities under the Securities Act of 1933, so no SEC broker-dealer registration is required.

We searched the SEC EDGAR full-text index at efts.sec.gov for the exact phrase "GoldCore" on July 4, 2026. The result set of 23 hits contained no enforcement action, consent order or Wells notice against GoldCore or GoldCore USA LLC. The matches were unrelated filings from mining companies and gold trust prospectuses that mention the word in body text.

We also did not find a CFTC enforcement action against GoldCore or GoldCore USA LLC in a public sdrpublic.cftc.gov search. A negative search result does not amount to a positive clean bill of health. A reader who wants to be thorough should also check the California Attorney General consumer complaint page, the Texas State Securities Board, and the FINRA BrokerCheck database directly.

Physical bullion sold at retail is regulated at the state level. California requires precious metals dealers to comply with California Civil Code 1723 through 1729 for bullion sales, and Texas separately covers precious metals transactions under Texas Business and Commerce Code section 1958 as of recent updates. Consumer recourse for a private bullion transaction generally runs through state statutes and the BBB, not the SEC.

Balanced pros and cons

When GoldCore USA is a bad idea for you

Frequently asked questions

Reviewed by Harry's Coins Editorial. Last reviewed July 2026.