Tally - save and spend in gold

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About this app

Tally is the world’s first non-fiat personal account that uses money backed by physical gold to protect the long-term value of your savings.

With a one-off activation fee of £19, you get access to an Everyday Account, Easy Access accounts, and a 1-year ‘Fixed-Rate Safe’ savings product with a 2% return – all designed to help you save money.

With interest on savings at an all-time low, you may as well keep your money in a piggy bank. But even a piggy bank can’t stop your money from losing value through inflation.

Every time more fiat currency (i.e. pounds) is created, your money silently loses value. It’s silent because you don’t see your bank balance going down; you’re just able to buy less with your savings in future, as inflation devalues the pound and drives up the price of goods and services.

Because gold is a physical asset, it cannot be devalued by artificially increasing supply. And whilst the value of gold does fluctuate (up and down), historically, its value has increased over time, making it ideal for savers.

Tally’s 1-year, fixed-rate savings product (“Fixed-Rate Safe”) offers a market-leading 2% return for one-off deposits between £1,000 and £20,000. Just tell us how much you’d like to deposit, and we’ll add you to the waitlist. We’ll let you know when your safe is ready and how long you have to move funds over from your Everyday Account. Please note the GBP value of funds in an Everyday Account will fluctuate (up and down) in line with the gold price. Once your funds are in a Fixed-Rate Safe, the GBP value is locked. Fixed-Rate Safes are available to Tally customers not in a trial period, and no early withdrawals are permitted. Find out more at tallymoney.com/fixed-rate-savings

Using tally is like using a foreign currency at home without the fees and charges, but with the knowledge that it’s a better currency than the one you were previously forced to use (pounds).

Whenever fiat currency is transferred into your Tally Everyday Account, those funds are instantly converted into tally. Each tally represents 1mg of LBMA-accredited gold purchased on your behalf at the precise moment the funds are received.

Every time you withdraw cash, transfer money out, or make a purchase using the app or Tally Debit Mastercard®, the corresponding tally is deducted from your balance, and the related LBMA-accredited gold is sold on your behalf.

Your balance is displayed in tally but also shows you the live exchange rate (i.e. what your tally is worth in pounds). As with any foreign exchange comparison, the pound value shown in your account will fluctuate daily in line with the global gold price.


PEACE OF MIND Tally is not debt-based money. Your money is never invested or leveraged to create new loans that can be defaulted on.

CONTROL Because your money is tied to a physical asset outside the global banking system, no government or bank can sue your money or restrict your access. It’s safe, secure, and in your control.

FREEDOM Tally is a global currency with no added foreign exchange fees or markups. And we don’t charge for ATM withdrawals, even when travelling abroad.

CONFIDENCE Tally is LBMA-approved gold converted from/to fiat currency at the global gold wholesale price, regardless of transaction size. There are no added markups, fees or minimum quantities.

CLARITY There are no hidden fees. We charge a one-off activation fee of £19 and an annual account keeping fee of 0.9% of your average balance (calculated daily, charged monthly) to cover storage, insurance, and operational costs.

To start using Tally, download TallyMoney and have your photo ID ready. Once we confirm your identity, pay your activation fee before making your first deposit from a non-Tally account (in your name) into your Tally Everyday Account! Find out more at www.tallymoney.com.
Updated on
22 Jun 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region and age The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info
This app may collect these data types
Location, Personal info and 2 others
Data is encrypted in transit
You can request that data be deleted

What's new

We’ve been busy squashing bugs and reducing crashes to make the Tally app even better.