We provide a 2.99% cash discount off of our list/retail prices when you pay by check, money order, cashier’s check, or bank wire. We offer a 2% crypto discount when you pay with Bitcoin, Litecoin, or Dogecoin. The prices listed for each product on the website include the 2.99% cash discount unless you choose to pay by credit card or Paypal.
Frequently Asked Questions
Provident Precious Metals created ProvidentMetals.com in order to make our quality products available 24/7 to our customers across the country. Our site was built with affordability, ease of use and accessibility in mind. Through "Provident Pricing", our customers can purchase bullion gold, silver, and platinum in real-time as the world precious metals markets change! Simply add the items you want to your cart and then complete the checkout to finalize the order. You will enjoy low pricing, great selection, fast service, and security from start to finish.
As an Associate Member on the Certified Coin Exchange, Provident Precious Metals trades with a network of the top 350 rare coin and bullion dealers in the world. As a provider of record, the company is proud to be an authorized member dealer with PCGS, the Professional Coin Grading Service; NGC, the Numismatic Guaranty Corporation; NCS, the Numismatic Conservation Service; and PMG, the Paper Money Guaranty Corporation. Provident Metals' numismatists, who bring a combined 100 years of industry experience to their work, are also members in good standing of the American Numismatic Association, the as well as the Texas Numismatic Association and the Florida United Numismatists.
Absolutely. Please call our trading desk at (800) 313-3315 for more details.
Our prices do not contain hidden fees of any kind. Similarly, our traders are NOT commissioned. What you see is what you get!
ProvidentMetals.com does not collect any tax on orders shipped outside of Texas. You should consult your tax advisor for specific taxation advice in your area.
Sales tax will be collected on items being shipped to any Texas address except gold, silver, or platinum. Sales tax will always be collected on non-qualifying products such as copper, food, survival gear, and supplies. The tax law changed effective October 1st 2013 and all taxes collected before that date are still due to the state of Texas and will not be refunded. Here is a simple example to illustrate which items on an order are taxed.
- The order contains some copper, supplies, and gold, silver, or platinum. The copper and supplies will be taxed, but the qualifying precious metals will not be taxed.
We urge our Texas customers to call us with ANY questions concerning taxes applied to their orders.
We are only required to report cash purchases greater than $10,000. Please call with any questions regarding cash reporting.
Our products are available to order 24/7 through www.ProvidentMetals.com. To speak directly to an account representative, simply call our trading desk at (800) 313-3315, Monday through Friday, 8 a.m. - 6 p.m. Central Standard Time.
Provident Metals is open for your orders 24 hours a day every day of the year, allowing you to lock in prices when it is most convenient for you. While our offices are open almost every business day we do close down on major holidays to let our employees enjoy their friends and family. Below are the upcoming days that our offices will be closed for holiday.
- Thursday, Nov 27th 2014 - closed
- Friday, Nov 28th 2014 - closed
- Wednesday, Dec 24th 2014 - closed
- Thursday, Dec 25th 2014 - closed
- Friday, Dec 26th 2014 - no shipments
- Monday, Dec 29th 2014 - no shipments
- Thursday, Jan 1st 2015 - closed
What does this mean to you?
Orders placed on the days before a Provident holiday may be delayed slightly. Since orders cannot be processed until payments have been verified, and it's possible that your payment will be confirmed during a holiday, we wanted to make you aware of possible delays. The delay and the timing depend largely on the payment method you choose. For example, customers paying with credit card, Paypal, crypto currency, or bank wire may have their order shipment delayed when placed within 4 business days of the holiday. Customers paying with Echeck may experience a shipment delay if the order is placed 2-8 business days before the holiday. Customers paying with check or money order may experience a shipment delay if the order is placed 6-10 business days before the holiday.
We currently ship to the U.S. and Canada.
Opening an account with us will allow you to track your orders, access your order history, enjoy a faster, more streamlined order process, receive special offers, and use promotional codes.
One troy ounce = 31.1 grams = 480 grains= 20 pennyweights
There are several ways you can track your order.
- You may access this information through the My Account page.
- You may also access your order shipment status and tracking information by clicking on the tracking number link in your shipping confirmation email.
- NEW—We now offer our customers the express order status feature via the Where's My Order? page.
We offer a refund on non-bullion items returned up to 3 days after the day you received the items. Items are not returnable if they have been removed from their original or shipped packaging. All returns on credit card orders will be charged a 5% re-stocking fee. Shipping charges are not refundable.
Once an order is placed through ProvidentMetals.com, you have entered into a legally binding agreement. If you choose to cancel your order for any reason, you will become subject to ProvidentMetals.com's Market Loss Policy, which will include a fee as well as the price difference between your confirmed price and ProvidentMetals.com's current bid price.
No. Provident Metals welcomes orders large and small alike.
You cannot add to an order that you have already placed and we cannot combine multiple orders. You also cannot not subtract from one without being subject to our Market Loss Policy.
Yes. Once your order has been confirmed, the prices of your items will be fixed. If you chose to pay by credit card, your order will be put into the shipping queue immediately. Personal checks, cashier's checks and money orders must postmarked within 1 business day. Bank wires must arrive within 1 business day.
At any given time, at least 97%+ of our SKUs are in our stock; sometimes more. We physically have them. However, for the other <3%, if we have paid for the items and received a confirmed shipping date from our supplier, Provident will occasionally sell items that we do not have in physical inventory provided we can reasonably expect to ship that item within 3-5 business days of confirmed payment. This allows us to have lower carrying costs which amounts to savings that we pass on to you. We try to ensure that this practice doesn't hold up orders, but occasionally, there is an unforeseen delay in shipping from the supplier. We will never sell an item to a customer if that item doesn't have a confirmed shipping date from our supplier.
This means you have selected either the wire transfer or personal check/money order/postal money order payment option and we are awaiting payment. If you decided to pay by wire transfer or money order, your order status will be updated to "Confirmed Payment" after we have received payment. For checks and money orders, your order status will be updated to "On Hold" after we have received payment.
We have received your Echeck, and your order will stay in this status for at least 4 business days. After Pending Echeck, your order status will change to "Confirmed Payment."
Your order has been created and our system is waiting for confirmation of your crypto currency payment. When the crypto currency transaction finalizes successfully your order status will be updated to Confirmed Payment.
Your order has been created and our system is waiting for confirmation of your Paypal payment. When the Paypal transaction finalizes successfully your order status will be updated to Confirmed Payment.
This means that we have received your check and we are waiting the minimum 5 business days prior to updating your order status to "Confirmed Payment."
This means that we have received confirmed payment and that your order has been placed in the queue to be picked and shipped. Nearly 90% of orders are shipped within 3 business days after confirmed payment and nearly 98% of orders are shipped within 5. Occasionally this may be longer due to a delayed shipment or other unforeseen circumstances. You will receive an email with tracking information once your items have shipped. Please contact us with any questions.
The items you ordered have been physically pulled from inventory and are now being sent to the shipping department for further verification, processing, and packaging. Usually this means the order will ship in less than 2 business days.
This means that your order has left our facilities and is on its way to your address. It does not mean that your order has been delivered.
No. This part of the health care bill passed in 2011 has been repealed. Please contact your local Congressperson if you would like to thank them or dispute any other part of this bill.
We pride ourselves on being the best in the industry and our customer's satisfaction is of the utmost importance. However, we are human and we do make mistakes on occasion. If we have made a mistake, please contact us immediately so we can remedy the problem. We also ask that you fax or email a copy of the packing slip (our fax number is 469-212-8977) as well as email a picture of the label on the outside of the package so we can determine where this error occurred. It can take up to 2 business days to determine the cause of the problem and provide the correct resolution to our valued customers due to review of processes, inventory, camera footage and other proprietary security measures.
The recent surge in demand has left some of our products with a "Delayed" status or a specific date in both the product title and product description. This means that the product can still be ordered, but the shipping will be delayed by the number of days specified in each individual product. The U.S. Mint, along with the Royal Canadian Mint and most private mints, have increased their lead times for delivery as they struggle to keep up with the increase in popularity of owning silver.
This means that an order may be placed for this product with prices being locked in, but shipment will not take place until that specific product is received by Provident. There will typically be a date estimate in the product description or product title for when we expect to receive that first shipment. This is very common for items coming from the Royal Canadian Mint, U.S. Mint, and other world mints.
|Payment Type||Amount||Discount? (what is this?)|
|Bank Wire||Over $2,000||2.99% Cash Discount|
|Personal Check||Orders $1-$20,000||2.99% Cash Discount|
|Cashier’s Checks||Orders $1- $20,000||2.99% Cash Discount|
|Money Orders||Orders $1- $20,000||2.99% Cash Discount|
|Crypto Currency |
(Bitcoin, Litecoin, Dogecoin)
|Orders $1- $20,000||2% Crypto Discount|
|Credit Card||Online orders $1-$2,000 |
Call during business hours to place credit card orders over $2,000
Credit card orders do not qualify for cash discounted pricing
If you would like to place a credit card order over $2,000, you will need to call during normal business hours of 8am - 6pm Monday through Friday. It will be subject to a $12.95 fee for Restricted Delivery. Restricted Delivery requires identification to be shown upon receipt of your package. These additional measures are being taken to protect our customers from fraudulent activity and to allow Provident Metals to continue to offer the most competitive prices in the industry. To avoid this fee and get a cash discount, please pay with a bank wire, money order, cashier's check, or personal check.
Yes, we accept most debit cards. To qualify, your card must have a Visa or Master Card logo on it, and you must choose the credit card payment option during checkout.
Absolutely. If you choose to pay with PayPal at checkout you will be forwarded to PayPal to complete your payment. Only PayPal Confirmed Addresses are accepted (what is this?).
If you do not submit payment within 1 business day for bank wire payments or postmark personal checks, cashier's checks or money orders within 1 business day, we may, at our discretion, cancel your order and implement the conditions of our Market Loss Policy. Your account will also be frozen until all of the associated fees have been cleared.
When you place an order with the wire transfer payment method, you will receive wiring instructions via email. Customers placing orders within our normal business hours will receive the wiring instructions within 1 hour of placing the order. When an order is placed outside of normal business hours (at night, or over the weekend, or on a holiday), the wiring instructions will be sent the morning of the next business day. The transfer must be completed within 1 business day of order confirmation.
One way we offer the best prices is by offering discounts to customers depending on the payment method chosen at checkout.
Cash discount: Save 2.99% off the list/retail price simply by choosing to pay by personal and business check, money order, cashier's check, or bank wire. Note that the prices listed for each product on the website already include the 2.99% cash discount except where otherwise noted.
Crypto discount: Save 2% off the list/retail price when you checkout and choose Bitcoin, Litecoin, or Dogecoin as your payment method.
It's easy! Just pay with one of these cash-based methods: bank wire, money order, cashier's check, or personal check. That's it, no hoops to jump through, just pay using one of the cash-based methods and save 2.99% off your entire purchase price!
Unfortunately, debit cards do not qualify for the cash discount. When a debit card is used to make a purchase online with any company, it is processed as a credit transaction through the Visa or Master Card networks. It is therefore subject to the exact same fees as a credit card. Because of this, we cannot extend a cash discount to customers using a debit card for their transactions. This is the same for every online business and is not unique to Provident Metals.
It's easy! Just pay with one of the following crypto currency payment options: Bitcoin, Litecoin, or Dogecoin. That's it, no hoops to jump through, just pay with one of the crypto currency payment options and save 2% off your entire purchase price! Note that upon placing an order the crypto payment must be transmitted within 15 minutes, so make sure your crypto currency wallet is ready to go when you place your order.
The list price / credit card / PayPal price is the price you will pay if you choose to pay by credit card or PayPal. Although choosing to pay by credit card or PayPal will disqualify your purchase from the cash and crypto discounts, you’ll still be taking advantage of our every day industry-leading list prices. See how to qualify for cash and crypto discounted pricing above.
A majority of orders are shipped via USPS and are fully insured. All packages over $750 require a signature to be received. All packages shipped via USPS will be shipped First Class, Priority Mail, or Express Mail. All orders totaling $5,000 or more will be shipped USPS Priority Registered Mail. All packages are shipped securely in inconspicuous packaging that gives no indication of contents. Boxes are addressed from "Provident." Some oversized packages may be shipped Federal Express or UPS. If you have special shipping requirements or requests, please call and we will do our best to accommodate those needs. You may be notified by email when your package ships.
Shipping rates are as follows:
|Order Sub-Total||Shipping Rate *|
|$0 - $249.99||$5.95|
|$250 - $499.99||$8.95|
|$500 - $4,999.99||$11.95|
|$5,000 +||$0.00 (free)|
|* Signature confirmation is included on orders over $750 and may be purchased for $3 at checkout on orders under $750.|
At Provident Metals, we pride ourselves on prompt shipping. Nearly 90% of orders are shipped within 3 business days after confirmed payment and nearly 98% of orders are shipped within 5. You will receive an email with tracking information once your items have shipped. Personal checks, cashier's checks and money order payments will be shipped once funds have cleared the bank, which is usually 5 business days, but may be as long as 12 business days. If you would like to pay via money order, we recommend USPS money orders, as they can be cleared faster than most other "mail in" forms of payment. As we primarily use USPS for shipping, your order will spend between 1 and 5 days in transit to your provided delivery address.
We ship to Canada! Call 877-395-3107 today to place an order with our trading desk. We do not currently ship to any other countries, although we do have plans to add other countries in the near future.
Most orders will be shipped either USPS or UPS. All packages over $750 require a signature to be received. All orders totaling $50 or more will be shipped USPS Priority Registered Mail or UPS. All packages are shipped securely in inconspicuous packaging that gives no indication of contents. Boxes are addressed from "Provident." If you have special shipping requirements or requests, please call and we will do our best to accommodate those needs.
Yes, Provident will always declare full value on all customs forms. There are no exceptions.
There may be duties and/or taxes on orders shipped to Canada. All duties and taxes must be paid by the customer upon delivery. Please consult a local customs broker for information about tax and duty rates.
|Payment Type||Order amount|
|Canadian Postal Money Orders||$1-$5,000|
|Bank Wire ($18 Fee)||Orders over $2,000|
All payments must be made in U.S. dollars. We must receive confirmation of payment via tracking number for postal money orders within 48 hours. Bank wires must be submitted within 1 business day. Failure to pay in full in the allotted time may result in the cancellation of your order and implementation the conditions of our Market Loss Policy at Provident Metal's sole discretion. Your account will also be frozen until all of the associated fees have been cleared.
Most Canada locations receive $19.95 flat rate shipping; outlying areas may require a custom quote. Visit Canada.ProvidentMetals.com or call (877) 395-3107 to speak with a trader today.
Selling Your Metals To Provident
You should pack your box securely with special attention to noise that may tip someone off as to the contents of your package.
Packages should be addressed to:
15850 Dallas Parkway
Dallas, TX 75248
You should ship your package Priority Mail Insured and Registered. Without using these services, you assume the risk of the Post Office not covering your claim in the unlikely event that your package gets lost prior to its arrival at Provident. Provident assumes no liability for your package until it has been signed for by a Provident Metals representative. Registered Mail is the safest way to ship anything.
If the quantity of product is less than the locked in amount on your purchase order, you may be subject to market loss. If you adjust the quantity of product you've sold to PM because of changes in the metals markets, Provident Metals' Market Loss Policy will be applied to your purchase order. If the quantity of product is more than the locked-in amount, the price on the extra items will be calculated using spot prices at the time we check in the product.
What if the quality of product I sell to Provident Metals is not up to the high quality standards people associate with Provident Metals?
If the quality of the products you've sold are deemed unfit to purchase by PM's Quality Control department, you will be contacted with either an "adjusted" purchase price or the product will be returned to you at your cost. The adjusted price will be based on the spot price you locked in, but the premium will be adjusted.
The minimum when selling to Provident is $1,000. There are no maximums.
Yes, Provident needs to receive the tracking number the same day.
Precious Metals IRA
For your future! IRAs are a useful way to save for retirement and they provide tax advantages like tax-deferred or tax-free growth, depending on the type of IRA you own. An IRA is a vital addition to any investment portfolio, can supplement 401(k) accounts, and is recognized as an integral part of retirement planning.
If you already have an IRA and your current custodian will allow an investment in precious metals, you can invest now by calling Provident Metals. If your current custodian does not allow precious metals investment, you can contact one of our preferred custodians and transfer funds penalty-free into a separate IRA. You can have more than one IRA.
Investors have the ability to make contributions to their new IRA or roll over funds from an existing IRA. Contributions can be made via transfer or bank wire. A direct roll-over is the simplest way to set up a new precious metals IRA if you already have an IRA or 401K. You are able to roll over or transfer any amount without penalty since this is considered a qualified transfer. All IRA's (Standard, Roth and SEP) are eligible for direct roll-overs. Our preferred custodians are familiar with this process and can lend a hand.
Individuals younger than 50
The maximum deferred annual contribution you can make is $5,000 for individuals and $10,000 for couples.
Individuals 50 and older
The maximum contribution goes up to $6,000 for individuals and $12,000 for couples. Annual contributions beyond the maximum allowable will not receive IRA tax benefits.
Source: IRS Website
Real vs. paper assets. With precious metals IRAs, you actually own the metals kept by your custodian. With an ETF, you are not able to take physical possession of the metals, which are considered a paper security, unless you own more than $100,000 worth of the funds' shares. The money you have invested in an ETF can be lost if that ETF were to be valued at zero and your investment would be gone. Through the Provident Metals IRA program, you are able to physically take possession of your precious metals and you own something that has never been worth zero.
The costs of the metals, setup fee, annual fee, and storage fee. The cost of the metals is as you see on ProvidentMetals.com. The fees for precious metals IRAs are all charged by the Trust and Custodial Company. When deciding upon a custodian you should ask about set-up fees, annual fees, and storage fees. The fees will vary based on whom you choose as custodian. The two companies we have recommended are industry leaders, are extremely affordable, and there are no hidden fees whatsoever.
Provident Metals does not currently have a minimum requirement for IRA purchases, nor is there a maximum amount that a customer can purchase for their IRA investment. Keep in mind, however, that annual contributions beyond the maximum allowable will not receive IRA tax benefits.
Source: IRS Website
Unfortunately not. Precious metals purchased to be held within an IRA must be funded via bank transfer or rolled over from another Individual Retirement Account and immediately sent from the broker (Provident Metals) to the custodian.
It's up to you! Provident Metals will help you through the liquidation process if you wish to cash in or you can take physical possession of the metals if you like.
American Gold Eagle coins
U.S. Buffalo Bullion gold coins
Canadian Maple Leaf gold coins
Austrian Philharmonic gold coins
Australian Kangaroo/Nugget gold coins
Credit Suisse / Pamp Suisse gold bars
Gold bars .995+ fine that are accredited by COMEX/NYMEX
American Silver Eagle coins
Austrian Vienna Philharmonic coins
Australian Kookaburra coins
Canadian Maple Leaf coins
Silver bars and rounds .999+ fine that are accredited by COMEX/NYMEX
American Platinum Eagle coins
Canadian Maple Leaf coins
Australian Koala coins
Platinum bars and coins .9995+ fine that are accredited by COMEX/NYMEX
Canadian Maple Leaf coins
Pamp Suisse bars
Bars that are .9995+ fine that are accredited by COMEX/NYMEX
Other bars and rounds manufactured by a NYMEX or COMEX-approved refiner/assayer or national government mint and meeting minimum fineness requirements
Collectible coins eligible for Precious Metal IRA investment
American proof gold and proof silver Eagles.
Uncirculated coins with original box and paperwork from the U.S. Mint.
Your IRA precious metals will be stored with the IRA custodian of your choice. Provident Metals recommends two excellent custodians:
1070 West 2455 South
Salt Lake City, UT 84119-1504
3601 North Market Street
Wilmington, DE 19802