Daily Banking: Tree plan with €9.50 minimum monthly fee, €0.25 euro-zone pay-out, €20 cross-border payments. Forest plan with €295 minimum monthly fee, €0.04% euro-zone pay-in and pay-out (1-200€). Jungle plan with €490 minimum monthly fee, €0.1% minimum €2 euro-zone pay-in. Card issuing from €25, m
Target APR 7.99%–9.99% for gold-backed credit; ~20%+ APR for card-only start; 2% annual Storage & Ownership Fee; 0% fee on one eligible gold purchase ($5k–$20k) for Founding Members; Gold Rewards: 5% on first $3,000 of eligible spending, then 3% up to $15,000 per year for five-year benefit period.
Key features
IBAN accounts with multicurrency support
SEPA instant and SCT payments
Cross-border and SWIFT payments
Currency exchange in 80+ currencies
Virtual and physical debit cards
Card acquiring for VISA and Mastercard
Open banking with fast direct bank transfers
Recurring payment subscriptions
White-label digital wallets
Compliance and fraud prevention built-in
Invest in allocated physical gold stored in COMEX-approved vault
Borrow up to 65% of gold value at 7.99%–9.99% APR
Earn 1–5% physical gold rewards on card purchases
Fully insured gold holdings through Lloyd's of London
Gold redemption within 28 days or physical delivery
Works as regular Visa/Mastercard worldwide
Real-time gold valuations from Bullion Market pricing