FUTURE Service

Build your physical gold purchase, step by step

Your Smart Gold Purchase

Future Service

The Future Service is a deposit plan with no restrictions that lets you buy gold periodically over a
12-month period.

FUTURE gives access to a physical gold deposit with limited storage, opening, insurance and handling costs. FUTURE lets you open a deposit plan while keeping a goal that determines the monthly purchase processes, taking advantage of price volatility by constantly averaging the purchase price.
Each time you complete the FUTURE purchase programme, you can systematically repeat the purchase programme year after year, building up a significant gold deposit over time.

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Future Goal Account - GOLD - The Real Money

We guide your journey

how to start

01

CONTACT

Our tailored consultations will advise you on the solutions that best suit your needs.

02

TRANSACTION REQUEST

We handle and prepare your personalised advice, as well as the request for action.

03

CONTRACT SIGNING

Sign the contract through our signature system, certified and verified by the Compliance department.

04

WELCOME

Welcome to The Real Money. Once the purchase has been verified you will receive the documentation, the custody certificate and access to your Client Area.

BUY WITH LIQUIDITY

How can you benefit from

the Future Service?

The Future Service is far more than a simple purchase plan; it is a tool designed to adapt to your needs and help you reach your goals in a planned, efficient and secure way. With this service, you can buy gold flexibly, adjusting your contributions to your situation and keeping your plan stable over the long term.

Below we set out the four key aspects that make this service an essential solution for your long-term future.



Flexibility and personalisation

Buy according to your needs, with the option of adjusting or pausing your contributions whenever you need to.



Scheduled liquidity

Access the liquidity of your gold at any time to cover unforeseen events without complications.



Personalised support

A personal manager is with you to organise your long-term gold purchase plan.



Technological security

Your gold is protected and held in secure custody, offering a reliable option for your future.

Reach your goals

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The Future Service has been key in helping many people reach their goals, whether securing their children’s education, building a fund for unforeseen events or planning a peaceful retirement, by creating their own long-term gold purchase plan. This service combines personalised planning, scheduled purchasing and the flexibility to adapt to each client’s needs.

Thanks to its scheduled liquidity and the advice of a personal manager, our clients enjoy security and peace of mind knowing that their gold is protected and available whenever they need it. If you are looking for an efficient, reliable way to reach your objectives, the Future Service is the perfect tool for taking the first step towards a stable future.

Talk to an expert

The deposit

Opening the deposit

You decide what goal you want to reach in 12 months.

Loyalty bonus

Once the goal has been set, the first payment consists of an
advance of 10% of the goal + the first monthly payment. (For example, if we set a goal of 1,200 euros in 12 months, the first payment will be €120 + €100 for the first month. So the total will be €220).

Place of storage

The Metal Bank may store the gold directly at its premises or, at its discretion, use authorised and supervised third-party companies specialising in the custody of precious metals in maximum-security safes. Also at its discretion, it may use the same LBMA refineries from which it sources the gold it buys.

Online access to the storage plan

To access the GOLD deposit plan, the client logs in using a login and a private password known only to the plan holder, and from their plan they will be able to draw on (in relation to the type of deposit plan) the gold held in custody.

Costs of the deposit plan

FUTURE has a cost for opening a deposit plan, storing the gold and issuing the certificate. Prices may vary. Please read the terms and conditions of the offer before opening a deposit plan and buying gold.
IMPORTANT: FUTURE is the only deposit plan that refunds part of the costs (in grams of gold) for keeping up the gold purchase regularly each month.

100% coverage of the deposit value

Unlike current accounts in fiat currency (euro, dollar, pound sterling, etc.), where coverage is a maximum of €100,000, the gold deposit plan is 100% guaranteed for the full value of your deposit indefinitely.

Price transparency

Gold price

Retail price

The retail price of the gold sold by the Metal Bank is made up of:

London fixing (LBMA) + Metal Bank mark-up + Services requested

Services such as insurance cover, buy-back guarantee, custody management, etc.

Buy-back price

If the buy-back price lock service is not activated, the buy-back price will be the London fixing price.

In some cases, the value of the gold on deposit may be lower than the actual price paid, including the costs of the services provided by the Metal Bank.

Certified physical gold

Type of gold

LBMA physical gold

The gold acquired is gold certified by the LBMA (London Bullion Market Association) circuit.

Size

2-gram bars and multiples thereof.

Bars on request

In the event of withdrawal (at an additional cost), the holder may request that the gold be delivered in bars of a specific size.

Available bar formats

1000 g110 × 52 × 6.5 mm

500 g52.5 × 94.51 mm

250 g44.1 × 72 mm

50 g25 × 38 mm

20 g18 × 28.8 mm

10 g13 × 21 mm

5 g11.3 × 18.4 mm

1 ounce18.5 × 29.5 mm

All included

Metal Bank services

Custody. The Metal Bank provides a custody service for the gold acquired. FUTURE offers a preferential discount on the price of the custody service: if you keep to the service's scheduled purchases, the security deposit paid when activating the service is returned to you in gold.

Insurance cover

Warehouse management

Buy-back agreement at the London fixing

Guaranteed minimum buy-back price

Refund of the security deposit paid on the first gold purchase

Sale process within 10 working days

How your gold works

Buying and selling gold

Purchase

Gold purchases are made on specific dates in the month. The final purchase price and the number of grams acquired are communicated once the transaction is complete. The amount used may generate a small margin, which is recorded in the account as availability in euros.

Sale

From the purchase, it may take up to 10 working days for the order to be processed and the funds transferred to the registered bank account. Actual availability may vary depending on the procedures of the receiving banks, which may apply fees unrelated to the Metal Bank.

Encoding of the gold purchased

The gold acquired is assigned to the client's storage plan. On logging in online, you will be able to see the total number of grams and the corresponding UNIQUE code, which identifies actual ownership of the gold assigned.

Allocation of the gold

The gold is bought and distributed in 2 g bars. Each bar is registered and encoded with a UNIQUE serial number in order to assign ownership to the client in their respective storage plan.

Opening cost

Service costs

Opening the deposit plan

10%

as a security deposit

A deposit built month by month

FUTURE lets you set a goal and make scheduled purchases each month, taking advantage of price volatility by constantly averaging the purchase price.

1.200 €

Minimum goal

100 €

Min. purchase/month

Max. months

Each time you complete the FUTURE purchase programme, you can repeat the programme year after year, building up an LBMA gold deposit over time.

Important notice · Disclaimer

The FUTURE service is not a financial instrument and does not guarantee any return on the gold acquired. In addition, the gold is bought at the London fixing and the cost of the deposit is applied, forming the retail price. When opening the deposit plan with the Metal Bank and buying gold, please bear in mind that gold, like all commodities, is subject to a volatile trend and may lose value against the time of purchase. We encourage you to assess whether buying gold is suitable for your risk profile. Although it is one of the most valuable and sought-after metals, it is affected by market fluctuations and you could find that, on selling the gold you hold, the amount obtained is lower than at the time of purchase.

Contact

Name

EMAIL ADDRESS

CITY

Phone

WHEN WOULD YOU PREFER US TO CONTACT YOU? WHEN WOULD YOU PREFER US TO CONTACT YOU? Morning Afternoon

HOW DID YOU HEAR ABOUT US?

MESSAGE

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We answer your questions

Frequently asked questions

Everything you need to know about the FUTURE deposit plan and buying gold with the Metal Bank.

Gold has always been a safe-haven asset and, given its scarcity, its value has risen considerably over the years.

There are thousands of entities that sell gold. The best course is to buy gold from a qualified entity or from certified, authorised warehouses, preferably those that form part of the LBMA circuit.

LBMA is the only network that lets you convert your deposit into cash with the greatest of ease. What is more, if your deposit is held in a high-security LBMA vault, your gold is converted into cash extremely quickly.

All professional operators apply their own price to the metal (mark-up) which, added to the fixing, becomes the retail price.

No. All banks, brokers, dealers and metal intermediaries apply a cost to the market price (fixing).

Gold is a stable asset whose value tends to rise over time. It should not be seen as a speculative asset, but as a long-term savings opportunity that generates a safe, stable source of protection. Time shows statistically that the value of gold rises steadily.

If you keep gold at home, you unfortunately lose all the benefits of the circular economy. Activating a gold deposit plan in an LBMA vault lets you manage your deposit like an ordinary current account, taking advantage of the services offered by the Metal Bank, such as a debit card linked to the deposit, management of your account limits in fiat currency, etc.

You can activate the DUO service. DUO lets you offer your gold as collateral and, at the same time, access the liquidity you need. Find out more about this service.

Yes: that is precisely what this service offers. FUTURE lets you set an annual goal and buy small or large amounts of gold each month until you reach it. You can repeat this process every year, building up your LBMA gold deposit in line with the funds available to you.

The deposit plans available in our system let you meet this need. The most popular is the RELAX service which, by locking in your deposit for 24 months, lets you schedule the progressive sale of your metal and receive euros on the first day of each month.

Metal banks transfer full ownership of the deposit to the ultimate beneficial owner who acquires it. This separates the company's assets from full ownership of the gold, which remains the property of the client even in the event of bankruptcy. This means that a gold deposit does not need to be covered by a guarantee fund, unlike traditional banks, which only insure deposits up to €100,000.

The value of the gold acquired fluctuates according to market prices, without the Metal Bank having any control over it. However, you have the option of requesting its buy-back at the same initial sale price through the Metal Bank's services. This protects you from possible fluctuations in the price of gold.

Compared with other deposit plans, FUTURE has the advantage that, by keeping up the regular purchase, the Metal Bank returns in gold the cost of the security deposit initially paid. Since costs may vary, you can contact a manager for the latest information.

First, you will need to choose the service you wish to access. Next, you will need to decide which type of deposit to activate. If you want to activate a deposit that lets you buy gold every month, you can select the FUTURE deposit option during the registration process and follow the system's instructions.

You may be asked to make the payment to a bank account other than one in your country of residence. The Real Money is an international company operating in multiple jurisdictions. It therefore uses several bank accounts to centralise its clients' payment processes. The aim is to put in place procedures that let clients save on management and banking costs. As a result, you may need to make the payment to a bank account located outside your country of residence.

In order to open a FUTURE deposit, the Metal Bank must comply with AML (anti-money laundering) regulations and identify the client by gathering all the information relating to their financial situation and determining the origin of their funds. This procedure is a requirement imposed by all Western governments in relation to savings, investments, etc.

No.

Once the registration process is complete, you will receive a code that will let you access your gold deposit plan and monitor the daily value of your gold in real time. It will also let you manage any additional purchase or sale orders for your plan.

If you sell gold, take out cover or decide to transfer it to another client, the system will ask you for a one-time code shown on your mobile phone. The transaction will be confirmed only if you enter the OTP code you receive in order to authorise your order in the system.

From the sale order, it may take up to 10 working days for the order to be executed and the money sent to the bank details registered in the system. Changes in actual availability may occur depending on the procedures of the receiving banks. Some banks may apply incoming fees that do not depend on the Metal Bank.

As required by law in order to protect clients, you will be asked to answer a number of questions about your employment, income, investment knowledge, knowledge of the gold market, etc. In compliance with the regulations, the Metal Bank will classify your answers and assess whether you meet the requirements for a deposit plan and whether your risk profile is suitable for the product selected.

The Metal Bank sells gold and provides custody services to all its clients. The custody service is insured and, at the Metal Bank's discretion, is managed by LBMA-certified providers, who administer the distribution of deposits in high-security vaults. Under no circumstances does the deposit carry any risk of theft or misappropriation of the gold held in custody.

Yes. Shipping and delivery to your official address are available at an additional cost for storage, transport and travel insurance. Please bear in mind that, since you have assigned your gold in 2 g increments, you may request the weight of your bar according to standardised LBMA measurements. This procedure requires a fee for melting and casting the bar, which the Metal Bank will inform you of in advance so that you can confirm your order.

At its discretion, the Metal Bank may consider buying back the gold you hold at home. In this case, please bear in mind that additional costs will apply for re-melting the metal to restore its purity, as well as the cost of reprocessing and casting it. In any event, the Metal Bank may decline to buy the gold bar you offer.

If the gold never leaves the Metal Bank's vault, it retains its LBMA purity certification and can be sold and converted quickly into your fiat currency, such as the euro, pound sterling, dollar, etc. Keeping your gold in custody at the Metal Bank gives you greater flexibility to manage the various services and to turn your deposit into cash if necessary.