Pricing

No hidden fees, only transparency.

Account top-up

Deposit on the EUR suspense account(1) Free
Credit top-up via bank transfer(2) Free
Credit top-up via credit card(3) 0,8% of the amount
Cash deposit on the Brink’s Payment Services’ partner network 5% of the amount
Transmutation Available on quotation

1 – Sans action de votre part, le versement sera automatiquement converti en métaux précieux au bout de 15 jours.
2 – Achat de métaux précieux par virement depuis votre compte bancaire, occasionnel ou automatique.
3 – Achat de métaux précieux par carte bancaire. Cette commission est suspendue depuis le début de la pandémie de covid-19. Remise en application des frais au 3 Décembre 2022.

Purchase of precious metals

GoldPremium purchase service fees from EUR to gold: EUR conversion to allocated gold (bullion and legal tender coins) 3% of the amount
GoldSpot purchase service fees: EUR conversion to allocated gold (bullion bars) 0,5% du montant
Silver purchase service fees: EUR conversion to allocated silver (bullion and legal tender coins) 7% du montant
Diamond purchase service fees: EUR conversion to allocated millicarats of diamond 10% du montant

Transfer of precious metals from peer to peer

Transfer of precious metals – Sending(4) Free
Transfer of precious metals – Receiving(4) Free

4 – Precious metal transfers are expressed in VRC. The VRC (or VeraCash) is the unit of currency backed by precious metals. It is exchangeable: VRC 1 = EUR 1, and vice versa.

Debit: resale of precious metals

GoldPremium, Silver, Diamond resale by VeraCash Mastercard® service fees Free
GoldSpot resale by VeraCash Mastercard® service fees(6) 0,5% of the amount
Precious metals resale by bank transfer in France service fees 1% of the amount
Spread appliqué sur la revente de métaux précieux par virement immédiat 3% du montant
Spread appliqué sur la revente de métaux précieux par virement différé Aucun
Precious metals resale by bank transfer overseas service fees 1% of the amount + 30€
Precious metals resale service fees for a permutation(6) 1% of the amount + service fees of metal purchase

5 – Tarif non-appliqué au lancement du produit. Mise en place des frais prévue le 2 Janvier 2023.
6 – Revente des matières afin de ré-arbitrer le portefeuille et effectuer un nouvel achat or, argent ou diamant.

 Mastercard® debit card
Issuing of new VeraCash Mastercard®(7) Free
Card payment in eurozone (GoldPremium, Silver and Diamond) Free
Card payment in eurozone (GoldSpot)(9) 0,5% of the amount
Card payment outside eurozone (GoldPremium, Silver and Diamond)(8) Free
Card payment outside eurozone (GoldSpot)(9) 0,5% of the amount
ATM withdrawal in Euro (GoldPremium, Silver and Diamond)(8) Free
ATM withdrawal in Euro (GoldSpot)(9) 0,5% of the amount
ATM withdrawal in foreign currency (GoldPremium, Silver and Diamond)(10) Free
ATM withdrawal in foreign currency (GoldSpot)(9) 0,5% of the amount

7 – Residents of Single Euro Payment Area (SEPA).
8 – The VeraCash Mastercard® payment card is perfect for use abroad because the rate for exchanging EUR for foreign currencies is very close to the spot exchange rate.
9 – Not applied to product launch.
10 – Despite all the advantages of a VeraCash account, we are pleased to offer withdrawal of money from ATM free of charge.

Miscellaneous

Updating Personal information (bank account, postal address) Free
Storage of precious metals in Swiss vaults(11) Free
Transfert entre VeraCash et AuCOFFRE Sur devis
Online monthly statement Free
(20€ for a paper duplicate)
Issue of replacement card (due to malfunction) Free
Payment cancellation fees 25€
Reissue of payment card before expiry 30€
Document, credit card or withdrawal slip search Available on quotation
Envoi d’un recommandé à la demande du client Available on quotation
“Oxidation”(12) 0,02%/day
Inheritance management 100€
Termination of VeraCash service(13) Free

11 – Unlimited storage at Geneva Free Ports.
12 – As of 15 March 2018. In order to avoid the oxidation charge, you just need to use your VeraCash account on a regular basis: payment/withdrawal using the VeraCash card, VRC transfers, topping up your account and referrals are all considered account activity.
13 – Excluding any fees applied for the sale of precious metals, e.g. Precious metals resale by bank transfer (see above).

Limits

The current limits are subject to change upwards or downwards.

Debit card limits

Transactions Daily limit by default Maximum daily limit Maximum weekly limit Maximum monthly limit
Payments and withdrawals 500€ 3000€ 21000€ /
Withdrawals(14) 500€ 2000€ 2000€ 2000€

14 – On 30 rolling days.


Peer to peer transfert limits

Verified members(15) Non verified members(15)
Verified members(15) 500€ /monthly 250€ /transfer
2500€ /year
Non verified members(15) 250€ /transfer 0€

15 – A member is validated when profile is complete and all the documents are sent and validated.