Gold Savings Plan 2026: 10 Providers for Physical Wealth Accumulation Compared
For millennia, gold has been considered the ultimate anchor in turbulent economic times. However, not everyone wants or is able to spend several thousand euros on a large bar immediately. A gold savings plan closes this gap: it allows for the continuous building of a physical gold depot even with small monthly amounts. Investors benefit from the so-called cost-average effect, which smoothes price fluctuations over time.
But beware: fee structures in the market vary extremely. While some providers score points with transparency and fair prices, others hide high surcharges in the fine print. To make your decision easier, we have scrutinized the 10 most relevant providers in Germany and sorted them by their round-trip spread (the total difference between the purchase and sale price).
The following table gives you a direct overview of the conditions, storage fees, and special features of the leading gold savings plan providers.
Gold Savings Plan Comparison 2026
| # | Provider | Minimumrate | Purchase Surcharge |
Sales Discount |
Round-Trip Spread |
Storagefee p.a. | Referenceprice | Specialfees | Special Features |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Spargold GmbH As of 26.03.2026 |
5 € | +1.17 % | −2.23 % | 3.40 % | 0.50 % | own spot¹ | — | |
| 2 | Degussa As of 15.1.2025 |
25 € | +3.00 % | −2.31 % | 5.31 % | 0.50 % (0.15 % p.Q.) | LBMA | — | |
| 3 | Bergfürst via C.HAFNER · As of 25.2.2025 | 10 € | +3.00 % | −3.00 % | 6.00 % | 0.00 % | LBMA | — | |
| 4 | Anlagegold24 As of 06.11.2024 | 50 € | +4.90 % | −2.00 % | 6.90 % | 0.50 % (0.125 % p.Q.) | LBMA | — | |
| 5 | philoro As of 15.1.2025 | 25 € | +5.00 % | −2.00 % | 7.00 % | 0.60 % (0.15 % p.Q.) | LBMA | — | |
| 6 | Pro Aurum As of 06.11.2024 | 25 € | +5.95 % | −1.71 % | 7.66 % | 0.36–0.89 % (depending on depot value) | LBMA | — | |
| 7 | Golden Gates As of 06.11.2024 | 25 € | +5.50 % + 4 % fee | 0.00 % | 9.50 %² | 0.48 % | LBMA | 4 % one-time setup | |
| 8 | Ophirum As of 06.11.2024 | 1 € | +7.18 % Ø | −2.66 % Ø | 9.84 % | 0.80 % (0.20 % p.Q.) | LBMA | min. 5.90 € p.Q. | |
| 9 | SOLIT As of 25.2.2025 | 25 € | 5 % premium + 4 % LBMA | −1.50 % | ~10.50 %³ | 1.60 % (0.40 % p.Q.) | LBMA | — | |
| 10 | Geiger As of 06.11.2024 | 25 € | up to +9.90 % | −0.70 % | up to 10.60 % | 1.00 % (0.25 % p.Q.) | OTC | 5.90 € p.Q. flat fee |
Sorting: In ascending order by round-trip spread (purchase surcharge + sales discount vs. reference price). Lower round-trip = lower transaction costs for buying and selling.
¹ Spargold: Own spot feed. ² Golden Gates: Incl. 4% purchase fee. ³ SOLIT: Incl. 5% premium on deposit. Source: https://gold-assistent.de/goldsparplan & Spargold App Live Prices
All information provided without guarantee.
What is a gold savings plan and how does it work?
A gold savings plan is essentially a subscription to real assets. Instead of parking paper money in a savings account that loses purchasing power through inflation, you convert your savings rate directly into tangible assets. The process is quite simple:
- Regular deposits: You set a monthly amount (often starting at 25 or 50 euros), which is collected via direct debit.
- Fractional acquisition: With your rate, you buy shares in physical gold bars or coins. Since the price of gold fluctuates daily, you receive more gold for your money when prices are low and correspondingly less when prices are high.
- Professional storage: The gold is securely stored and insured in the provider's high-security vaults (often as "vault gold").
- Flexibility: You can usually turn the gold back into money at any time via the provider or have it physically delivered to your home once a certain amount is reached.
Checklist: What you need to look for when choosing a provider
Not every gold savings plan delivers what it promises. Pay particular attention to these three pillars:
1. LBMA Certification and Quality
Invest exclusively in gold certified by the London Bullion Market Association (LBMA). This seal guarantees the highest purity (at least 995/1000 for bars) and worldwide tradability.
2. Utilizing Tax Advantages
In Germany, investment gold is exempt from VAT upon purchase. Another major plus: if you hold your gold for more than one year, gains upon sale are completely tax-free for private individuals.
3. Transparent Cost Structure
Pay attention to the interplay of three cost factors:
- Purchase surcharge: How much above the current market price (spot) are you paying?
- Ongoing storage fees: These should ideally be calculated as a percentage. Beware of minimum fees that disproportionately burden small depots.
- Sales discount: How much does the dealer deduct when you exchange your gold back into euros?
Conclusion: Is a savings plan worth it?
For long-term wealth accumulation, a gold savings plan is one of the most convenient methods. It combines the security of a physical tangible asset with the flexibility of a bank savings plan. While big names like Degussa or Pro Aurum score points through trust and branch networks, modern players like Spargold often offer the most attractive conditions for digital investors. Compare the round-trip costs in our table carefully to ensure that your money flows into gold – and not into fees.
