When you save in gold with your Troygold account using the app, you enjoy direct legal ownership of the exact amount of the physical gold that you have purchased in specific coins or bars (depending on your region).

All our customers’ gold holdings are fully allocated, meaning these are specific coins or bars are given a unique ID number before they are securely stored and fully insured in a high-security precious metals vault.

Even if you purchase less than a full 1oz coin or 1kg bar, you are allocated as a co-owner of that specific coin or bar. This co-ownership model is similar to the concept of undivided shares in a property’s title deed.

Administration of the Troygold ownership register is managed by Troygold’s proprietary technology. You will receive an ownership certificate, indicating your ownership percentage and in which exact coins or bars your ownership vests.

The security of your gold holdings is our top priority. All customer holdings are fully insured against loss or theft by Lloyds of London via SafeGold. As part of our commitment to safety, only the vaulting custodian has physical access to the vault holdings. Thus, no Troygold employee can enter the vault or access the holdings.

User holdings are audited monthly, detailing the number coins or bars held with the vaulting custodian, which relates to the specific coin or bar ID on the client’s Ownership Certificate.

All South African clients’ gold Krugerrands are stored in a high-security precious metals vault in Johannesburg with our vaulting partner, SafeGold – a division of Scoin and the South African Gold Coin Exchange.

All international clients’ gold bullion bars are stored in Brinks’ precious metals vault in Singapore.