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Gold for Pensions


How does it work?

Request Form

Request a SIPP or SSAS application form by clicking the buttons below.


Complete the form and send it to one of our registered SIPP or SSAS providers.


Your selected SIPP or SSAS provider will set up the account with us directly.


You will receive an email from us to confirm your account is open and supplying your login details.


Once you receive your login details you are able to add physical gold bars or digital gold to your SIPP or SSAS whenever you like.


A flexible account that allows you to invest in physical and digital gold

Physical Gold

Most well-known financial commentators suggest a 5–10% allocation of investment portfolios to gold in some form. As experts in precious metals and with a history of more than 1,100 years, The Royal Mint can help you invest in physical gold.

gold bar


Gold for Pensions account holders who want extra flexibility can take advantage of DigiGold. This new offer is one of the most efficient ways to buy gold bullion from The Royal Mint. DigiGold allows you to purchase gold in fractional quantities that suit you down to the finest figure, allowing you to invest as much or as little as you like.

digital gold


We’ve traded gold for over 1,100 years. Now you can do it in seconds


“Investing in gold with The Royal Mint through your SIPP or SSAS gives you complete control and security. Gold for Pensions enables you to manage your precious metals holding, which is automatically secured within our vault. Unlike most gold investment products, which are usually held in major banks across the UK, our vault resides outside of the banking and financial systems, offering our investors an extra layer of security and peace of mind.”

Andrew Dickey, Divisional Director, Precious Metals


Features & benefits

Investing in gold has never been easier


The Royal Mint’s DigiGold platform allows you to buy and sell gold by value rather than weight 24/7, 365 days a year.

Account support

Our dedicated account management team is on-hand to assist you with any queries you may have relating to your SIPP or SSAS investment


Your gold is held in The Vault® our purpose-built precious metal storage facility. The contents of The Vault are fully insured and reconciled daily.

Physically backed

All gold is backed with investment grade LBMA approved metals.


Management fees


Product Purchase Fee Storage Fees Sell-Back Premium
Purchase fees for bullion bars may vary by range. Prices include manufacturing premium
1%+ VAT per annum based on the average daily market value of your total gold holding that is stored in The Vault® 2%
DIGIGOLD 0.33% premium 0.5%+ VAT per annum based on the average daily market value of your total gold holding that is stored in The Vault® 1%


Why invest in gold

Discover why gold might be a viable investment option for you

Frequently Asked Questions

Gold for pensions allows you to add physical gold to your Self-Invested Personal Pension (SIPP) or your Small Self-Administered Scheme (SSAS).  

Your Gold for Pensions account gives you the ability to buy and sell physical gold bullion at competitive premiums determined by live gold prices.

Your pension scheme has direct, full legal ownership of the individual gold bars, or gold ounces (in the case of DigiGold). The Royal Mint is simply a custodian, and we don’t have any direct claim on the gold you purchase.

Simply click the relevant link at the top of the Gold for Pension home page and request an application form and call back from one of our dedicated team. 

The minimum purchase is £25 (DigiGold) and there is no limit to the maximum amount of gold which can be held or invested with The Royal Mint. However, please be aware that there are limits on the amount of money which can be contributed to and held within a pension. We recommend you speak to your advisor or SIPP provider for further clarification.



Purchase fees

Storage fees

Sell-back premium

Gold Bullion Bars

Purchase fees for bullion bars may vary by range. Prices include manufacturing premium.

1% + VAT per annum based on the average daily market value of your total gold holding that is stored in the vault®



0.33% premium

0.5% + VAT per annum based on the average daily market value of your total gold holding that is stored in the vault®



You can sell part or all of your gold holding to The Royal Mint at any time, and the money will remain in your account until you wish to return the funds to your pension fund.  

A SSAS can be set up by a Limited Company and allows up to 11 pensions members into the group scheme. Scheme members are usually directors and senior staff (and can include family members). Unlike SIPPs, where member trustees are not essential, SSASs operate optimally when all members are trustees and largely, can control their own affairs. An employer creates its own SSAS under trust and the SSAS administrator registers it with HMRC as a standalone scheme.

A SIPP is a personal pension product (private pension) and is set up with a SIPP Provider/ Administrator. The provider/administrator ensures that the SIPP operates in accordance with pension regulations, and will hold your pension assets in trust and provide administration services. All investment decision making is made by you, and/or an appointed financial advisor. The SIPP provider will not usually provide regulated financial advice to you so the additional services of a regulated financial adviser may be optimal.

We have a list of registered which can be found here. If your pension provider is not on the list, please contact us to discuss as we still might be able to assist you.

Please click here to see a list of products that will be available to you via your Gold for Pensions account. You will also be able to purchase DigiGold



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