Tallymoney

Tallymoney sells physical gold-denominated savings and payments products: a TallyMoney debit card and app that let users save, spend and send money where every unit (1 tally) equals 1 mg of vaulted gold. The offer is a single, hybrid account—no separate coins or bars—priced at mid-range: account opening is free, a flat 1 % annual metals-storage fee (charged daily in micro-amounts), and FX/ATM fees close to interbank. All onboarding and servicing are online-only via tallymoney.com and mobile apps; cards are posted worldwide. The brand’s USP is “everyday gold as money”: customer deposits are converted into beneficial ownership of 24-karat LBMA-approved bars held in a Swiss high-security vault, insured and ring-fenced from the company’s balance sheet, so purchasing power moves with the gold price rather than fiat inflation. Real-time conversion at point-of-sale means a coffee in London automatically sells a few milligrams of the customer’s vaulted holding. No crypto, no paper ETFs, and full FCA-regulated e-money safeguarding distinguish the product. Typical customers are 25-45-year-old UK and EU professionals, freelancers and remote workers who distrust pound/euro debasement, want an inflation hedge they can actually spend, and value borderless banking. They tend to follow FIRE or tech-forward personal-finance communities, prefer hard-asset backing over bank interest, and like the narrative of “getting paid in gold” without needing bullion knowledge. Tallymoney competes with multi-currency fintech apps, gold-backed crypto tokens and traditional bullion dealers that offer storage plus debit cards. It differentiates by avoiding volatile stable-coins, keeping metal legally owned by the user (not on issuer’s books), and providing instant spend capability in 190-plus currencies, combining savings protection with day-to-day payments utility.