Gold $2,415.52 0.77%
Silver $31.70 1.45%
Platinum $1,053.79 3.77%
Palladium $1,025.27 -0.47%
SD Bullion

SD Bullion Review: Products, Pricing, Complaints & Ratings

As a key player in the precious metals market, SD Bullion has been serving investors since 2012, rapidly establishing itself with a reputation for competitive pricing and a wide selection of products.

SD Bullion offers a wide range of precious metals for direct purchase and supports investors looking to include these assets in their retirement portfolios. Below, we review SD Bullion’s products and services, costs, and pros and cons to help you make well-informed precious metal investment decisions.

Company Info & Background

SD Bullion started in 2012 in Ottawa Lake, MI. The company has become a significant online retailer in the precious metals market. The company’s “SD” stands for “Silver Doctors,” as it was founded by two medical professionals who identified a gap in the market for accessible bullion investments.

SD Bullion has achieved notable success within a decade, servicing over 400,000 customers and surpassing four billion dollars in sales. Twice, the company was featured on Inc. Magazine’s list of 500 fastest-growing companies in the U.S.

SD Bullion
What’s offered● Gold, silver, platinum, and palladium coins and bars.
● Gold, silver, platinum, and palladium IRAs.
Annual fees● Three months of free storage for new investors. After that, storage fee starts at $9.99/month.
● Annual storage fees for IRAs are based on the holding amount.
BBB ratingA+
Trustpilot rating★★★★ 4.1/5

SD Bullion Products and Service Offerings

SD Bullion offers a diverse range of gold, silver, platinum, and palladium coins and bars for investors looking for physical assets. Investors can purchase precious metal assets from worldwide mints, including the U.S., Royal Canadian, British Royal, Perth, Austrian, South African, Chinese, and Mexican Mints. SD Bullion offers various precious metal IRA options for retirement savings. Here’s a glimpse into their product offerings:


  • American Eagle and Buffalo coins
  • Canadian Maple Leaf coin
  • Great Britain Britannia coin
  • South African Krugerrand coin
  • Australian Kangaroo coin
  • Austrian Philharmonic coin
  • Chinese Panda coin
  • Mexican Libertad coin
  • Argor Heraeus bars
  • Valcambi bars
  • PAMP Suisse bars


  • American Eagle coin
  • Canadian Maple Leaf coin
  • Austrian Philharmonic and Swan coins
  • Great Britain Britannia coin
  • Truth Series coin
  • Chinese Panda coin
  • One-gram to one-kilogram bars


  • American Eagle coin
  • Great Britain Britannia coin
  • Perth Mint Lunar Dragon coin
  • Canadian Maple Leaf coin
  • Australian Koala coin
  • Engelhard bars
  • Valcambi bars


  • American Eagle coin
  • Canadian Maple Leaf coin
  • One-quarter-ounce to one-ounce bars

Precious Metal IRA

For those looking to diversify their retirement savings, SD Bullion offers a Precious Metals IRA option, including the popular gold IRA. This service allows investors to hold IRS-approved physical gold, silver, and platinum in their self-directed retirement accounts.

Investors can roll over an existing retirement account into a precious metals IRA or initiate a bank transfer. SD Bullion does not require a minimum investment amount for IRAs.

Educational Resources

SD Bullion also provides educational resources to new and seasoned precious metal investors. They offer a free ebook covering precious metal investing fundamentals, the best assets to buy, and how to store and sell precious metals safely.SD Bullion Fees and Costs

SD Bullion Fees and Costs

This segment of our SD Bullion review focuses on the initial financial benefits offered to new clients. Investors starting a precious metal IRA receive three months without storage fees. Following the introductory period, you will be charged a flat monthly fee and an annual storage rate. Your storage rate fluctuates based on your invested amount.

Below is a detailed breakdown of IRA storage costs provided by SD Bullion:

Service TypeAnnual Storage Rate
Monthly Cost
Gold IRA0.29% of invested amountStarts at $9.99
Silver IRA0.39% of invested amountStarts at $9.99
Platinum IRA0.29% of invested amountStarts at $9.99

Precious metals stored with SD Bullion are held in segregated storage and are fully insured by Lloyd’s of London. For precious metal coins and bars, investors receive free shipping for domestic orders over $199. Orders below $199 are charged a flat fee of $9.95 for insurance and shipping.

Pros and Cons

Below is an overview of the pros and cons of choosing SD Bullion as your precious metals dealer.


International shipping to over 40 countries.

Has a buyback policy for investors looking to liquidate their holdings.
Offers complimentary shipping for orders above $199.
Free storage for the first three months.


Customer support is only available on weekdays.

Failing to complete payment within the designated timeframe incurs a cancellation fee of 5% of the order value.
Returns come with a 3% to 5% restocking fee.

How to Open an IRA Account with SD Bullion?

Expanding on our SD Bullion review, let’s examine the company’s approach to opening a Precious Metals IRA, which is designed with the investor in mind, from the initial setup to selecting your investments. Here’s how you can start your precious metals IRA with SD Bullion:

Step 1: Establish a Self-Directed IRA

The initial step involves setting up a self-directed IRA. Unlike traditional retirement accounts, a self-directed IRA grants you the flexibility to include precious metals in your portfolio. To establish a self-directed IRA with SD Bullion, investors must complete a simple form on their website.

Step 2: Fund Your Account

With your self-directed IRA established, the next phase is to fund your account. This can be achieved through various means, including wire transfers from your bank account or rolling over funds from an existing IRA or 401(k) into your new self-directed IRA. To avoid taxes and penalties, transfer funds from an existing IRA or 401(k) to the precious metals IRA within 60 days.

Step 3: Purchase IRA-Eligible Precious Metals

Once your account is adequately funded, you can invest in IRA-eligible precious metals. SD Bullion offers a wide selection of approved products, making it easy to choose investments that align with your financial goals. To assist in this process, SD Bullion highlights customer favorites and provides guidance on selecting the right products for your IRA on its website.

SD Bullion Review, Ratings, and Complaints

SD Bullion holds an A+ rating from the Better Business Bureau (BBB) and a rating of 4.1 out of 5 on TrustPilot. These ratings demonstrate a high level of trust and reliability in the precious metals industry and indicate that SD Bullion is highly regarded by many of its customers.

Consumer Protection AgencyRatingsNumber of ReviewsVisit Site
Better Business Bureau (BBB)A+1,
Business Consumer
TrustPilot★★★★ 4.1/5 2,


Let’s address some of the most frequently asked questions about SD Bullion.

Is SD Bullion Legit?

Yes, SD Bullion is a legitimate precious metals dealer, proven by its A+ Better Business Bureau rating and numerous positive customer testimonials, highlighting its reliable service and satisfaction record.

Where Is SD Bullion Located?

Those looking to stop by SD Bullion’s retail store location should note that the company operates primarily as an online retailer. Its business model is heavily centered on digital commerce. In fact, there is no mention of a physical retail store anywhere on the company’s website. The company has a business address in Toledo, OH, but it appears to be more of an operational or administrative location rather than a retail storefront.

What Payment Does SD Bullion Accept?

SD Bullion accepts various payment methods, including:

  1. Bank Wire: Only payment method for orders over $20,000. Must be received within 72 hours of order placement.
  2. Personal and Cashier’s Check: Accepted for orders up to $20,000. Must be postmarked within 72 hours and received within seven business days.
  3. Postal Money Order: Accepted for orders up to $9,999. Must be postmarked within 72 hours and received within seven business days.
  4. Credit/Debit Card: Accepted for orders up to $5,000.
  5. Bitcoin: Accepted for orders up to $250,000. Must be received within 15 minutes of order placement.
  6. PayPal: Accepted for orders up to $5,000.
  7. E-Check: Accepted for orders up to $10,000. Eligible for a 4% price discount.

How Does SD Bullion Work?

SD Bullion operates as a platform for buying precious metals online, including gold, silver, and platinum, catering to investors with a simple, secure process:

  1. Browse and Select: Customers explore an extensive online catalog of gold, silver, and platinum products.
  2. Place an Order: Products are added to the cart, and customers proceed to checkout with secure payment processing.
  3. Payment Options: Various payment methods are accepted to suit different order sizes and preferences.
  4. Shipping: SD Bullion securely packages and ships products to both U.S. and international addresses.
  5. Support: Customer support is available to assist with any part of the buying process.

The company offers educational materials for informed investing. It also allows you to sell your precious metals back to them through their buyback program.

What’s the SD Bullion Shipping Time?

Typically, the company processes and ships domestic orders within one to three business days. Depending on the shipping method, you can expect to receive items within five to ten business days. Expedited and international shipping may be available for an added fee.

How Does Selling to SD Bullion Work?

SD Bullion’s buyback program accepts widely recognized gold, silver, platinum, and palladium coins and bars from accredited manufacturers. Here’s how you can sell your precious metals to SD Bullion:

  1. Contact SD Bullion: You can reach out to SD Bullion through their website or by phone to express your interest in selling your precious metals.
  2. Provide Details: You’ll need to provide information about the items you wish to sell, such as type, weight, and quantity. SD Bullion may request photos or additional details to assess the items.
  3. Receive an Offer: SD Bullion will give you a preliminary offer or quote for your items based on the information provided. This offer is based on current market prices and the specifics of your metals.
  4. Ship Your Metals: If you accept the offer, SD Bullion will typically provide instructions on securely shipping your items to their facility for final inspection. Shipping methods and insurance options will be discussed during this step.
  5. Final Inspection and Offer: Once your items arrive, SD Bullion will conduct a final inspection to verify their condition and authenticity. After this inspection, they will confirm or adjust the initial offer accordingly.
  6. Payment: If you accept the final offer, SD Bullion will arrange payment for your items. The payment method and timing will be agreed upon before shipping your metals.

Does SD Bullion Have a Return Policy?

SD Bullion’s return policy allows returns within three business days after receipt. Investors should contact customer service via phone or email to initiate a return. Products must be in original packaging and condition for exchange or refund, with the choice between the two at SD Bullion’s discretion.

Customers cover the return shipping cost, while SD Bullion pays for shipping on exchanged items. A restocking fee of 5% or $35 (whichever is higher) applies for most products.

Damaged items, especially those tampered with by intrusive methods, are not eligible for return.

International returns are handled case-by-case, considering the complexities of international shipping.

Contact Information

Phone Number1-800-294-8732
Address5151 Monroe St, Suite 107
Toledo, OH 43623
8000 Yankee Rd Ste 435,
Ottawa Lake, MI

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