What is the minimum amount to start a savings plan?

You can set up a precious-metals savings plan with Spargold from 5 € per month. There is no minimum term and no minimum sum — you pay in as little or as much as suits your budget.

Can I pause or end the savings plan at any time?

Yes. You can pause your savings plan at any time in the app, change the rate, or end it permanently — with no notice periods and no penalty fees. Precious metals you have already purchased remain your property in any case.

How does the cost-average effect work with the savings plan?

Because the savings plan invests a fixed amount at fixed intervals, you automatically buy more units when prices are low and fewer when they are high. Over time, this smooths out your average entry price and reduces the timing risk compared to a single large purchase.

Which precious metals can I invest in via the savings plan?

You can save in gold, silver or platinum — either a single metal or a combination. You can adjust the ratio and the metals at any time, for example to diversify your portfolio.

What happens to my money when the market is closed?

Spargold bundles savings contributions and automatically purchases the precious metals at standard market conditions on the next trading day. You can see the exact purchase price and the quantity acquired transparently in the app.

Is the savings plan a real alternative to a gold ETF?

Unlike gold ETFs/ETCs, with the Spargold savings plan you acquire real physical precious metal with full ownership rights. The holdings are allocated and stored at “The Reserve” and are not part of the balance sheet of Spargold or the storage operator — even an insolvency would not jeopardise your holdings.

What taxes apply on sale?

In Germany, profits from the sale of physical precious metals are exempt from income tax after a holding period of one year. Since our precious metals are stored in a duty-free warehouse, no VAT is incurred during storage either. This is not tax advice — please consult a tax advisor for your individual case.

Gold & Precious Metals Savings Plan: Build Wealth from €5

Start your automatic savings plan in just minutes. Invest flexibly in physical gold, silver, or platinum – securely stored and 100% your property.

Spargold app interface showing savings plan

Invest Smart

Why a Precious Metals Savings Plan?

A savings plan leverages the cost-average effect and removes emotions from investing. Buy real assets regularly instead of paper promises.

Spargold app interface showing savings plan details

Your Gold, Your Rules

Life doesn't follow a straight path. That's why our savings plan adapts to you. Increase your savings rate with salary raises or pause it. Build your portfolio of gold, silver, and platinum exactly the way that suits you.

Free Setup

Get started in just minutes.

Adjustable Anytime

Full control in the app.

No Contract Period

You decide how long.

The Spargold Savings Plan

Automatic Wealth Building

Sit back and relax. With the gold savings plan, you automatically buy real assets. Choose from gold, silver, and platinum – starting from just €5 per month.

Cost-Average Effect

At low prices, you automatically buy more shares; at high prices, fewer. This smooths your entry price for gold, silver, and platinum over the long term.

Start from €5

You don't need large capital. Start small and watch your gold or silver holdings grow month by month.

Fully Automatic

Set up once via standing order and we take care of purchase, transport, insurance, and secure storage.

Full Flexibility

Pause your savings plan, change the rate, or stop it anytime. No binding contracts, full freedom for your budget.

Physical & Secure

Unlike certificates, you acquire 100% ownership of physical bars. Securely stored and deliverable at any time.

Tax Advantages

Profits from selling your accumulated physical gold are completely tax-free after one year of holding.

In 4 steps

How to set up your savings plan

Download the Spargold app
Download the Spargold app for free from the App Store or Google Play.
Open and verify your account
Sign up with your email address, mobile number and personal details.
Deposit funds or set up a standing order
Transfer money to Spargold and enter your personal reference code (“SG…”) from the app as the payment reference. With an instant transfer, your balance is usually available in the app within 1–3 minutes.
Automated purchases and storage
Buy precious metals directly in the app or set up an automated savings plan — for example €100 per month in gold and/or silver. Spargold acquires shares of large bars on your behalf and stores them 100% allocated in “The Reserve” in Singapore — insured and audited. Your holdings are shown in the app in real time.

The Safe Alternative to Gold ETFs

Gold ETFs and ETCs are often just debt securities ('paper gold'). With Spargold, you truly own the physical metal – without issuer risk. It's stored insured as your property in a high-security vault.

No Counterparty Risk

100% physical ownership instead of financial products.

Inflation Protection

Real tangible assets instead of paper promises.

Gold, Silver & Platinum

Diversify your portfolio easily via app.

Spargold app interface showing portfolio ownership

FAQ

Frequently asked questions about the precious-metals savings plan

Answers about the minimum rate, flexibility, cost-average effect, ETF comparison and taxes.

Continue reading

Ready to try Spargold?

Invest easily in physical precious metals.

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Last updated: May 8, 2026