Digital Gold Savings
Whether you are looking to accumalate gold yourself, or build a nest egg for a loved one, saving with gold has never been easier. With our Digital Gold savings options, you can buy, accumalate and sell gold whenever you like, and easily review and manage your savings online.
Digital Gold Savings
Make Your Investment Precious
DigiGold
We’ve traded precious metals for 1,100 years. Now you can do it in seconds. Buy, accumalate and sell, all at the click of a button with our DigiGold account.
Little Treasures
Little Treasures is the simple way to gift gold to your child or grandchild. Purchase digital gold VAT free by setting up monthly payments or by making one-off deposits whenever you choose.
Features and benefits
Saving with Digital Gold
Physically Backed
All our gold is backed with investment grade LBMA approved metal.
Automatic Payments
It is easy to set up monthly recurring payments, allowing your fund to grow whilst you focus on making memories.
Securely Vaulted
Stored in The Royal Mint’s vault, which is trusted by central banks and major financial institutions.
Online Management
Review and manage your gold savings all from within our easy-to-use, mobile-friendly, account area.
Unlimited
There is no upper limit to the amount that can be deposited into a digital gold account, unlike Junior Cash ISAs.
Complete Control
Convert your digital gold to cash or physical bullion to gift to your loved one at any moment.
Frequently Asked Questions
DigiGold is a simple and cost-effective way to own physical gold, silver and platinum in quantities to suit all budgets, allowing you to purchase and own a fractional amount of large gold, silver and platinum bars that are held securely in The Vault®.
These large bars allow us to offer economies of scale and pass on the savings to customers. Unlike buying coins or bars, it enables you to purchase gold, silver and platinum based on value rather than weight e.g. £25.00 instead of a 1 ounce coin or bar, providing you with control and flexibility. Please note that DigiGold products cannot be delivered.
DigiGold allows you to purchase and own individual ounces of large 400-ounce gold, silver and platinum bars, that are held securely in The Vault. These large 400-ounce bars allow us to offer economies of scale to our clients and pass on the savings. Please note that DigiGold cannot be delivered.
The Royal Mint buys large bars and stores them securely within The Vault. Subject to a minimum order value of £25.00, you can purchase fractions of these bars to the nearest 0.001 ounce, but unlike buying coins or bars, it enables you to purchase gold, silver and platinum-based on value rather than weight e.g. £25.00 instead of a one ounce coin or bar.
When you purchase DigiGold, you own it and have legal title to it, with The Royal Mint acting as a custodian only. This means that we don’t have any direct claim on the gold you’ve purchased, and you have the assurance that your gold, silver and platinum are protected.
DigiGold is a product offered alongside our existing investment coins and bars. If you already have an Invest account on royalmint.com, then you simply need to log in to purchase digital gold, silver and platinum.
If you haven’t opened an Invest account, this process only takes a few minutes to complete. Once your application is approved, you can add funds and begin trading.
DigiGold offers direct ownership of real physical gold, silver or platinum without the delivery or fabrication fees associated with coins and bars. Unlike coins and bars, DigiGold enables you to purchase gold, silver and platinum-based on value rather than weight e.g. £25.00 instead of a 1 ounce coin or bar.
As you purchase fractions of a large bar, DigiGold cannot be delivered. Subject to a minimum order value of £25.00, you can purchase any amount you choose in 0.001 ounce units, and unlike larger coins and bars, you can spend exactly what you choose.
Little Treasures is an online precious metals account that you can open with The Royal Mint. It allows you to purchase and hold DigiGold by making regular payments by standing order or one-off deposits into your online precious metals account. The money that you pay in to your account is used to purchase physical gold on your behalf.
The idea behind Little Treasures is to allow you to keep saving gold until you are ready to gift it to your loved one. This could be at their 18th or 21st birthday, when they look to buy their first home, or whenever you feel they are ready to claim their nest egg. At that point, you can choose to sell your gold back to us for cash, redeem your digital gold for physical gold coins or bars (by selling your gold back to us and using the money in your account to purchase physical products) or transfer the holdings to another account (should your loved one choose to open their own digital gold savings account at age 18 or over).
Please note, it is entirely at your discretion as to whether you wish to gift the proceeds from your Little Treasures account to any third party, including a child or grandchild.
No. The person who opens the account has full legal ownership of the holdings within it. It is at the discretion of the Little Treasures account owner to gift the proceeds to the child, if and when they choose to do so.
No, it isn’t. The FSCS protects individuals’ savings up to £85,000 in the event that an authorised financial firm fails. As The Royal Mint is not authorised by the Financial Conduct Authority, the DigiGold product and the Little Treasures account is not subject to this protection. Click here to find out more about FSCS.