• Do I own the physical metal in the vault and how do I know it’s really there?

    All of your stored precious metals are 100% owned by you; you have full legal ownership and title of your physical metal. In accepting our Customer Agreement, you engage GoldMoney to act as an agent for the purpose of contracting for the physical custody of your metal with professional vault operators. GoldMoney takes care of the administration and record keeping, which is performed through our website.

    In the unlikely event that GoldMoney were to go bankrupt, you can rest assured that you will be able to take full delivery of your metals (if you held enough metal to be delivered in any of the bar sizes we support) or you would receive a monetary reimbursement.

    Every quarter, full reports by the vault operators and a Big Four Accounting firm (which reviews a wide variety of our controls and procedures to provide proof of the 1-1 ratio of metal held in our vaults and recorded on our database) are provided on our website and within your verified GoldMoney Holding.

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  • Does GoldMoney take my privacy seriously?

    GoldMoney understands and respects our customers’ rights to privacy. As such, it is GoldMoney’s policy never to disclose any customer details to any third party, government, or tax authority, unless requested to do so by you or obliged to by law. Furthermore, GoldMoney keeps its customer records safe and secure in our office and on our encrypted servers.
  • For more information, please see our privacy policy.
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  • What safeguards do you have?

    GoldMoney is not a bank and does not operate on a fractional reserve basis; rather, GoldMoney holds all metal on a fully allocated basis for its customers. See our storage page for more information about allocated storage.

    Jersey’s world class reputation as a leading international finance centre is endorsed by independent bodies and institutions of the highest standard. Jersey has been listed as the number one offshore jurisdiction consecutively for the past 9 years by the Global Financial Services Index (the leading finance centre index).

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  • Is my metal insured?

    All of our leading vault operators insure all metals against risks, such as theft. You can view the insurance certificates in the “Governance” section of your verified Holding.

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  • What about confiscation risk?

    GoldMoney is based in Jersey, in the Channel Islands, which is a self-governing island located in the English Channel between the United Kingdom and France. While the future cannot be predicted, it is worth noting that gold has never been confiscated in Jersey. Jersey is a politically and economically stable jurisdiction that has become a major financial centre because its legislation relies upon the principles of common law, which prioritises property rights.

    Whether a gold confiscation would affect our customers would largely depend on the scope and specifications of the restriction. For example, if gold was to be confiscated in the US, there may not be any repercussions for US customers holding gold in vaults outside the US.

    To provide some comfort to our customers, we offer as many options as possible to enable diversification of assets by class, storage location, and by offering the option of taking physical delivery of their precious metals. For more details about delivery, see our delivery page.

    We provide our customers with the facility to easily purchase and exchange gold, silver, platinum, and palladium, so as to diversify and optimise their investment portfolio. Geographical diversification is possible with the opportunity to choose one or several storage locations in Canada, Hong Kong, Singapore, Switzerland, and the UK.

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  • How do I change my password?

    You can change your password after you have logged into your Holding by clicking the 'Security > Change Password' link and then entering a new password. We recommend that you change your password periodically to help protect against unauthorised access to your Holding.
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