Own real gold and silver, a little each month.
Pick the coin or bar you want and set a monthly amount. Your balance builds toward it, and the day it covers the price, we ship it to you, free and insured. No big upfront cost.
From $100 a month. Questions first? Email info@coinsonline.com.
57%Goal10 oz Silver Bar – Varied Mints$546.00 today
$100 a month · deposit 4 of 6
Ships free, insured, when it’s covered
An illustration: at $100 a month, a 10 oz Silver Bar – Varied Mints at today’s price of $546.00 takes 6 monthly deposits, including the tax allowance.
- Real metalCoins and bars from our shop
- Your paceFrom $100 a month
- Change anytimeSwitch goals before it ships
- Ships insuredFree shipping to your door
- Real peopleBloomington, Minnesota, since 1985
Four steps. Then it’s yours.
Think of a jar with your coin’s name on it. You add to it each month, and we ship the coin the day the jar is full.
- 1
Choose your goal
Any of the 15 coins and bars on the Reserve list, from a gram of gold to a 100 oz silver bar. Switch any time before it ships.
- 2
Set a monthly amount
$100, $250, $500, $1,000 or $2,000. It comes from your bank account, with a 1% processing fee.
- 3
Watch it grow
Each deposit adds to your Reserve balance. See how close you are any time in My Account.
- 4
It ships, insured
We check twice a day. When your balance covers the price that day plus sales tax, we place the order and ship it to you, free.
See how soon it could be yours.
Pick a goal and a monthly amount. Prices are live, so the estimate moves with the market. When you’re ready, set it up right here.
-
Choose your goal
Any coin or bar on the Reserve list. You can switch to another one any time before it ships.
Pick a goal to continue.
-
Set your monthly amount
Paid from your bank account each month. Change it any time.
From $25 a month.
Your goal ships in about– months
- Each month
- –
- Ships when your balance reaches
- –
An estimate at today’s price. Prices aren’t locked, so it moves with the market. The balance it waits for includes 8% for sales tax; your state’s actual tax is charged when it ships, and anything left stays in your balance.
Pick an amount to continue.
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Sign in or create your account
Your Reserve lives in your Coins Online account, where you can watch it grow. We’ll bring you right back here with your plan picked.
Next: where it should ship, a one-time ID check, and connecting your bank. About five minutes.
Shipping address and ID check
Once, after you sign in
Connect your bank and start
Your first deposit today, then monthly
What does a monthly plan leave you holding?
Most monthly charges buy access: stop paying and it’s gone. The Reserve ends with a coin or bar in your hand.
Streaming, apps and memberships
$1,200 a year
What you keep after a year: nothing. Stop paying and it’s gone.
Deposits toward a coin or bar
$1,200 a year
What you keep: metal you own. At today’s price that’s about 18 American Silver Eagles, with tax set aside.
The fine print, in plain English.
How The Reserve works, straight from the Reserve Terms and the way we run it. No surprises later.
Deposits become store credit
Each deposit adds to your Reserve balance as Coins Online store credit, for buying from us. It can’t be cashed out, refunded or transferred, and it doesn’t earn interest. It doesn’t expire, unless the law requires it.
Prices aren’t locked
Your balance is dollars, not metal. Your goal ships when your balance covers its price that day. If prices rise it takes a little longer; if they fall, it comes sooner.
Tax is set aside first
We wait until your balance covers the price plus 8% for sales tax. Your state’s actual tax is charged when it ships, and anything left over stays in your balance.
A 1% bank fee
Deposits come from your bank account (ACH) with a 1% processing fee on top, shown before you start. Your full monthly amount goes to your balance.
Change your goal any time
Switch to another coin or bar until the order is placed. Your balance carries over to the new goal.
Once it ships, it’s final
When your balance reaches the goal, the purchase is placed automatically. After that it can’t be cancelled, exchanged or refunded.
Change or stop your plan
Change your monthly amount in My Account, under My Reserve. To pause or stop, email us. Your balance stays in your account.
After your goal ships
When your goal ships, your plan ends. Start a new goal any time, and anything left in your balance carries over to it.
This is a summary. Please read The Reserve Terms and Conditions (effective December 1, 2025) before you start.
The Reserve, answered.
Is The Reserve a subscription?
It’s a monthly plan toward one purchase. Each month’s deposit becomes store credit in your Reserve balance, and when it covers your goal, we place the order and ship it. When your goal ships, your plan ends. Start a new goal any time, and anything left in your balance carries over to it.
Is my price locked when I start?
No. Your balance is dollars, and your goal ships when it covers the price on that day, plus tax. If the price rises it takes a little longer; if it falls, your goal arrives sooner.
What does it cost?
The coin or bar at our regular price, sales tax for your state when it ships, and a 1% processing fee on each bank deposit. There’s no sign-up or membership fee, and shipping is free.
Can I get my money back?
Deposits become Coins Online store credit. Under the Reserve Terms it isn’t refundable or redeemable for cash, so choose a monthly amount you’re comfortable with. Your balance carries over to your next goal.
How long will it take?
Add 8% for tax to the price and divide by your monthly amount. A 10 oz Silver Bar – Varied Mints ($546.00 today) at $100 a month takes about 6 deposits. The planner on this page does the math with live prices.
Can I change my goal or my monthly amount?
Yes. Change your goal any time before it ships, and your balance carries over. Change your monthly amount in My Account, under My Reserve.
How do I pause or stop my plan?
Email info@coinsonline.com and we’ll take care of it. Your balance stays in your account as store credit.
What happens when my balance reaches the goal?
We check twice a day. Once your balance covers the price plus the tax allowance, we place the order with your balance, charge your state’s actual sales tax, and ship it free and insured to the address in your account. Anything left stays in your balance.
Why do I need to verify my identity?
Your bank account is linked for automatic deposits, so we confirm every member’s identity once, with Veriff. It takes about two minutes and protects you, and us, from fraud.
Why a bank account and not a card?
Bank payments (ACH) keep the processing fee to 1%. Your bank connects through Stripe, our payment processor, so your bank login never touches our site.
What can I choose as a goal?
Any of the 15 coins and bars on the Reserve list, in gold, silver and platinum, from a single gram of gold to a 100 oz silver bar.
Is The Reserve a savings account?
No. It’s a way to buy a coin or bar from Coins Online over time. Your balance is store credit, not a bank deposit, and it doesn’t earn interest.
Your first coin is a few minutes away.
The Reserve is run by Coins Online, the online store of American Rare Coin & Collectibles, a Bloomington, Minnesota coin shop since 1985. Email us and a person answers.
