INTRODUCING
Fractional Precious Metals Trading
Buy & Sell fractional amounts of ethically sourced, LBMA approved investment grade 1kg bullion bars and stored at market leading, 3rd party audited institutional grade vaults.
PRODUCT DESCRIPTION
What is Fractional Trading of Bullion Bars?
Traditionally, investing in precious metals meant buying whole bullion bars or coins from bullion dealers and then storing them at home, in a vault, or in a safety deposit box.
Challenges of Traditional Physical Precious Metals Ownership
Buying whole bars or coins can be unaffordable and inefficient — for several reasons:
- High Premiums: Smaller bars and coins have significantly higher mark-ups, often 5–15% above the spot price of the precious metal, meaning you pay more upfront.
- Poor Sell-Side Pricing: Dealers typically repurchase smaller bars and coins 3–8% below the spot price of the precious metal, leading to a total round-trip losses that can exceed 10–25%.
- No Partial Sales: Forced to sell entire bar or coin, limiting flexibility and timing — sell all or nothing.
- Storage & Insurance Burdens: Safekeeping at home requires security upgrades and often pricier specialist insurance, while vaulting fees for small individual accounts typically have higher fees.
- Delivery Hassles: Shipping comes with delivery charges, delays, risks and further hassle when returning items or selling.
- Counterfeit Risk: Popular bullion bars and coins are frequently counterfeited, requiring testing or verification when buying or selling, adding further cost and uncertainty.
- Poor Fit for Regular Savings: Buying in whole unit minimums blocks small, regular purchases – resulting in high barriers and inflexibility.
- Lack of Diversification: Buying in whole units forces investors into fewer, larger positions, making it harder to diversify across metals or time their entries.
- VAT on Delivery: In the UK, investment-grade gold is VAT-free, but silver, platinum and palladium are subject to VAT when delivered physically. This means that, in addition to spreads and premiums, buyers of non-gold metals must also pay the applicable VAT rate on delivery.
- Larger-Bar Illiquidity: Bigger bars have lower initial premiums but are difficult to sell intact as they often require assays or refining, delaying cashouts.v
The Better Solution: Fractional Physical Precious Metals
Provides a simple and cost-effective way to buy, manage and sell investment-grade physical bullion in fractional, affordable amounts, as small as 0.001 troy ounces, while benefiting from the cost efficiency of large institutional bars and prices — Experience the future of precious metals
- Near-Spot Pricing: Tap into institutional pricing from institutional-grade bars, far tighter than 5-12% premiums on small retail bars and coins.
- Sell in Exact Amounts: Precisely sell what you need, down to £10 or 0.001 troy ounces at institutional prices — without being forced to sell an entire bar or whole coin at a discount.
- Instant Liquidity: Trade 24/7 with no shipping, delays, or assays—just seamless, on-platform execution.
- Hassle Free Storage: Held in insured and institutional vaulting at LBMA-approved facilities —no risk with home security or extra costs.
- VAT Exempt: In the UK, investment-grade gold is not subject to VAT. Silver, platinum and palladium are subject to VAT only when delivered physically. As fractional metals are held in bonded storage and cannot be delivered, VAT is not charged.
- Lower Barrier to Entry: Start small, from as little as £3.50, making regular buying accessible build wealth incrementally without large one-off purchases.
- Easier Diversification: Buy in small increments across gold, silver, platinum, or palladium, timing entries and amounts for optimal risk spread.
- True Physical Ownership: Fractional ownership represents direct fractional ownership of an actual 1kg LBMA Approved bars, not a derivative, synthetic replication or collateralised debt obligation.
- Efficient for Frequent Traders: Tight spreads and instant on-platform settlement make fractional bullion suitable for active buyers and sellers who value speed and execution quality.
- Real-Time, Crystal-Clear Pricing: Live wholesale price feeds from trusted institutions, giving users clearer price discovery compared to traditional dealer quotes.
KEY FEATURES
What you get
Fractional Precious Metals
Buy & Sell fractional amounts of 1kg investment grade bullion bars endorsed by the LBMA & SGE.
Direct Ownership
Pool Allocated & non-hypothecated with title ownership.
Ethically Sourced
All LBMA approved Refiners must comply with the LBMA’s Responsible Sourcing Programme as a cornerstone of their commitment to ethical sourcing.
Secure Vaults
Highly secure, insured institutional vaults – LBMA-approved.
HOW IT WORKS
5 Easy Steps to Trade
HELP & SUPPORT
Frequently Asked Questions
Find clear answers to the most common questions about Goldwise — from how to buy and sell precious metals to how your funds and assets are protected. Our FAQs cover everything from account setup, payments and vault storage to fees, taxes and trading hours, helping you get started and trade with confidence.
Is Goldwise regulated or authorised?
Goldwise partners with PayrNet Ltd, an FCA-authorised Electronic Money Institution, to safeguard customer funds under the UK’s Electronic Money Regulations 2011. All client funds are held in segregated safeguarded accounts.
Are my metals and funds safe?
Yes. Funds are safeguarded under UK regulation, and metals are fully allocated, insured and held in independent, audited vaults with Brink’s and Loomis. Customers always retain full legal title to their holdings.
How does Goldwise pricing work?
Goldwise connects directly to institutional metals markets to source live bid and ask prices from multiple global liquidity providers to give you the Best Prices on for your trades. We also offer low and transparent trading fees of 0.50% versus the typical 5–10% premiums charged by traditional bullion dealers.
Can I trade 24/7 on Goldwise?
Yes. The platform operates continuously, allowing customers to buy or sell gold, silver, platinum and palladium at live market prices any time of day, including weekends.
Can I sell my metals at any time?
Yes. Goldwise offers 24/7 trading in gold, silver, platinum and palladium. You can place instant market or conditional orders to buy or sell from your mobile app, with proceeds settled directly into your safeguarded wallet.
What types of orders can I place?
You can place instant market orders or conditional orders such as limit, stop and stop-limit. Orders can be set as “Good till Cancel” or “Good till Day”, giving you full control over execution strategy.
What are the fees for buying, selling and storage?
Trading fees start from 0.50% per transaction and storage from 0.15% per year, with transparent rates by metal and vault. View details on our Fees page.
How are my funds safeguarded?
All customer money is held in segregated safeguarded accounts through PayrNet Ltd under UK FCA rules. Funds are never co-mingled with company money and remain fully protected.
Where are my metals stored?
Metals are held in fully insured, third-party audited vaults across global locations such as London, Zurich and New York. You can view your allocated holdings and vault details in your account dashboard.
How do I open an account?
Simply download the Goldwise app, complete a trading application, add funds, and you can start trading fractional precious metals instantly.
Can I sell my metals instantly?
Yes. Sales execute at live market prices, with proceeds credited to your safeguarded wallet immediately. You can withdraw or reinvest anytime.
Does Goldwise provide investment advice?
No. Goldwise provides market access and educational content but does not offer financial or investment advice. Customers should make independent decisions or seek professional guidance.
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