Gold Accumulation Program (GAP)

Gold Accumulation Program (GAP) is gold savings in the form of an account. The concept is similar to a bank account, where you can buy and sell at any time.

GAP: How It Works

1️⃣ Register

Open a GAP account under your name (or for your child). The registration is FREE and the process is simple and guided step by step.

2️⃣ Start Saving in GAP

Begin saving gold with small but consistent amounts. Your savings are accumulated in grams of gold, not cash. You can start from as low as BND35 / RM100.

3️⃣ Accumulate Until You Reach Your Target

Continue saving until you achieve your personal goal; whether it’s for protection, future expenses, or long-term wealth. E.g. Your target is 1 dinar = 4.25gram.

4️⃣ Utilise Your Gold

Once ready or target gram reached, you may:

Sell your gold back to Public Gold, or
Withdraw physical gold to keep an sell in the future

*Gold premium and delivery charges apply if physical gold is requested.

How to Withdraw/ Redeem Physical Gold from GAP Account?

Physical gold can be redeemed anytime as long as there is enough grams of gold in the GAP account. The minimum weight for withdrawal is 0.5gram gold bar.

The fee associated for withdrawal would be Gold Premium and Shipping (GIT) if required.

Gold Premium is Gold premium is the additional cost paid on top of the market (spot) price of gold, covering expenses such as minting and packaging. This is why physical gold is always priced higher than the live gold price you see on charts.

The Gold Premium in Public Gold is as follows:

Note: Lower premiums offer better value for long-term savers, while smaller gold bars tend to have higher premiums per gram compared to larger bars.