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Is Tally real gold? Everything you need to know

Spoiler: Yes. But better, let’s break it down properly.

“Is Tally real gold?” is the most frequently searched question in our Help Centre. And we get why. In a world full of financial jargon, crypto confusion, paper-gold promises, and token-based promises, you want something solid.

So here’s the answer, plain and simple: Every tally® is 1 milligram of real, physical gold that you legally own. No smoke. No mirrors. Just real gold – digitised for spending and saving.

Let’s go through the facts.

 

What Is Tally, Exactly?

Tally® is a physical-asset currency. Instead of storing your money as fiat (like pounds), you hold it as gold. Your balance is measured in milligrams, and 1 tally = 1 milligram of gold, stored securely in Switzerland.

So when you deposit GBP into your TallyMoney account, we convert it into gold at the wholesale buy price. That gold is yours – insured, allocated, and stored in your name.

And unlike other systems, Tally doesn’t lend, reinvest or touch that gold. It’s ringfenced for you, and only you.

 

Where Is the Gold and Who Controls It?

Your gold is held in high-security vaults operated by Brink’s in Switzerland. These are not general storage units. They’re specialist vaults used by central banks and governments.

The gold is sourced from LBMA-accredited brokers, meaning it meets strict purity and ethical standards. TallyMoney partners with a trustee regulated by the UK’s Financial Conduct Authority (Woodside Corporate Services Ltd, FCA No. 467652) to make sure your ownership is legally protected.

Even in the unlikely event Tally ceases trading, the gold gets sold and the money returned to you. Promptly. Minus a 1% admin cost.

 

Can I Take Delivery of My Gold?

No. And here’s why.

Tally isn’t a precious metals dealer – we’re a monetary system. The point is to grow your wealth and sovereignty by being able to easily save and spend gold as best suits your needs.

However, if you wish to purchase physical bullion, you can use your TallyMoney Debit Mastercard to do so from a reputable dealer. That’s your choice.

 

How Does It Work in Everyday Life?

  • Your gold is displayed as tally® in your account.
  • You can send tally to UK bank accounts, make purchases with your Mastercard, or transfer it peer-to-peer. At the moment you do so, it converts from tally® to GBP (unless it’s tally-to-tally transfer).
  • Your balance updates in real-time.

No lock-ins. No withdrawal penalties. No strange delays.

In short: Tally is gold ownership that fits into your daily life, as easy to use as a regular bank account, but without the hidden risks and fiat devaluation.

 

Tally vs. Stablecoins vs. ETFs

A lot of products claim to be “gold-backed,” but here’s the reality:

Feature
TallyMoney
Stablecoins
Gold ETFs

Do you own actual gold?

Yes

No

No

Fully insured?

Yes

Maybe

Maybe

Can you spend it like money?

Yes

Rarely

No

TallyMoney is not pegged to gold. It is gold. The unit of account is weight, not price.

And while stablecoins and ETFs may offer convenience, they rarely offer true ownership. With Tally, your gold isn’t just a number on a screen. It’s a tangible asset, held securely for you, and available instantly.

 

What If Something Goes Wrong?

It’s a fair question. Here’s the risk framework:

  • You own the gold.
  • It’s insured and stored by BRINKS in Switzerland
  • There’s a security trustee agreement that activates if Tally ever goes under. In which case, proceeds from your gold are returned to you. No delays. No ambiguity.

We don’t gamble with your money. Period.

Compare that to traditional banks: your money is loaned out, leveraged, and often caught up in systemic risk. If a bank fails, your protection is capped. With Tally, your gold is safe, separated, and fully redeemable.

 

The Bigger Picture: What Makes Tally Different?

Tally isn’t trying to replicate existing systems. It’s here to challenge them. Our mission is to offer a currency that retains its value over time, free from inflation, speculation, and government interference.

We don’t charge percentage-based storage fees. We don’t offer credit or leverage your deposits. Instead, we offer:

  • Pure gold ownership
  • Gold you can spend
  • Absolute transparency

And most importantly, we give you control. Your tally® balance is always 100% in gold, and that gold is never mixed, loaned, or leveraged.

How TallyMoney Fits Into a Financial Plan

TallyMoney isn’t about betting on the gold price. It’s about protecting your savings from long-term erosion. That makes it a powerful addition to a modern financial plan, particularly for those who:

  • Want to hold a portion of savings outside the traditional banking system
  • Are concerned about inflation or fiat currency depreciation
  • Appreciate full transparency and asset ownership

If you’re building a diversified strategy, Tally can sit alongside ISAs, pensions, or savings accounts. But unlike those, it’s not tied to government policy or central banking moves. It’s based on a physical asset with intrinsic value.

And if you ever need to spend, your TallyMoney debit card is ready. No liquidations, no waiting periods. Just real-time, gold-based money.

Real Gold, Real Ownership, Real Confidence

Sceptical? That’s healthy. Many customers come to Tally after years of distrust in the financial system. What wins them over is transparency, legal ownership, and the ability to use their gold, not just look at it.

Since 2019, thousands of Brits have turned to Tally as a smarter way to hold their money. We issue regular reports, audit our reserves, and maintain a clean, regulation-compliant structure.

We encourage you to read our independent Gold Assurance Letter and FAQs. And if you’re still unsure, reach out to our support team. We’re here to help.

So yes, tally IS real gold, but it’s also so much more. 

  • 1 tally® = 1 milligram of physical, LBMA-certified gold.
  • Stored in your name, in Brinks Switzerland.
  • Fully insured and legally ringfenced.
  • Spendable anytime with a debit Mastercard.

     

It’s a smarter, safer way to hold value, with none of the complexity of traditional gold ownership.

For full transparency, you can review our Gold Assurance documentation at: tallymoney.com/gold-assurance

Tally: it’s not just real gold. It’s real money.

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Real World Examples

  1. Fancy a coffee? Use your TallyMoney Mastercard. Boom – paid. (Yes, you’re buying a flat white with gold. How amazing is that?)

  2. Need cash? Use any Mastercard ATM worldwide or spend across the globe. ZERO fees from us, ZERO markup. (When you spend or withdraw, your gold converts instantly at the global spot price. No catches, no hidden charges – just straight-up Mastercard exchange rates. Because your money shouldn’t cost you… more money.)

  3. Want some money back in your bank? Just tap ‘transfer’ in the app. (Though after a while, you might wonder why you’d want to…)

    Zero faff. Zero waiting. Zero fees when you spend tally.

Meet Cameron Parry

Meet the guy who wouldn’t accept being trapped in a ‘heads they win, tales we lose’ government-run monetary system that protects and benefits the financial institutions, to the detriment of the public. Where people’s deposits are constantly at risk, and losing value through inflation caused by central bankers and politicians.

If necessity is the mother of invention, then frustration may be the roommate’s cousin of motivation. In any case, he decided to stop getting mad and start a new monetary system with sound money. Where deposits serve the depositor, where savings build wealth for savers, and transactions are made in a familiar way. And he called it TallyMoney.

TallyMoney: Gold upgraded

With TallyMoney:

  • Your pounds instantly become physical gold (1 tally = 1mg of real gold)
    Stored in Swiss vaults (not under your bed)
  • Fully insured and allocated (actually yours, not a paper promise)
  • Spend it anywhere with your TallyMoney debit Mastercard
  • Transfer back to pounds instantly if needed (but why would you?)

We’re not anti-bank because it’s trendy. We’re anti-bank because the current system is rigged against you. Every day you leave money in a “savings” account, you’re funding their profits while your wealth evaporates.

Enter gold: the original currency

Why gold? It’s value is universally acknowledged.

  • It’s not controlled by any single government
  • It can’t be printed or manufactured
  • It’s actually scarce 
  • It requires effort to extract it 
  • It doesn’t rust, decay, or disappear
  • It has remarkable properties

So while the pound’s lost 50% of its value since 2004, gold’s grown by 146% in the last decade alone. While your bank savings got mugged by inflation, gold owners were laughing all the way to… well, not the bank.

But here’s the rub: Traditional gold ownership is a right pain. Buy physical bars? Prepare for storage fees that’ll make your eyes water, insurance premiums that never end, and a 5-10% haircut when you need to sell. Plus, try buying your weekly shop with a gold ingot.
Paper gold ETFs? They’re classed as Tier 3 assets for a reason – that’s financial speak for “risky as hell.” You don’t own gold, you own a promise. A tradeable IOU. And when everyone wants their gold at once? Good luck with that. So you’re stuffed either way: real gold that’s impossible to use, or fake gold that might not be there when you need it.
Until now.

The truth about inflation

How? Well, when politicians overspend (and they invariably do), they need more money to ‘stimulate the economy’. But raising taxes makes voters angry. So what do they do? They fire up the money printer, and boy do they love to print. To give you a sense of the scale, since 2015 the Bank of England has created £520bn out of thin air through “quantitative easing” (electronic money printing) plus £86bn in physical currency. 

Thing is, more pounds in circulation = each pound is worth less. Think about it: In 2004, £100 could buy you a decent night out, theatre tickets, and a cab home. Today? That same £100 barely covers the theatre tickets. Your money didn’t disappear – it was diluted, like someone’s been topping up your whisky with water when you weren’t looking.

The “2% inflation target” they bang on about? That’s them telling you they plan to steal 2% of your wealth every single year. And calling it healthy.

How TallyMoney actually works?

  1. First things first: we’ve got actual gold bullion* (none of that paper-promise nonsense) locked up tight in a Brinks vault in Switzerland. Yeah, those Brinks – the security legends who’ve been protecting valuables since Queen Victoria was on the throne.

  2. You send your pounds to your TallyMoney account (bye-bye, inflation-addicted fiat!).

  3. We use the global gold spot price to instantly turn your currency into its weight in gold. No hidden or fuzzy exchange rates, just the real market gold price + 1.49% gold purchase fee.

  4. Each milligram of your physical gold = 1 tally (we keep it decimal because no one wants to faff about with troy ounces – the specific unit for measuring gold).

  5. That’s it! Your app shows your balance in tally, but remember – those aren’t just numbers on a screen. That’s your solid gold, in milligrams, sitting pretty in Switzerland.
  6. You can now save and spend your gold as you see fit.

*All Tally gold is sourced from LBMA-accredited providers because we’re rebels with a cause… and standards. Instead of tracking the gold price per kg, your money is directly converted based on the real-time global gold spot price.

TallyMoney is 
real money

  1. Store of value
    Your gold sits in a Swiss vault (not getting ‘quantitatively eased’ away)
    Evidenced by 5,000 years of holding its value
    Can’t be inflated by government whim and fingers on the ‘currency print’ button
  2. Medium of exchange
    Spendable at 150+ million shops worldwide (thanks, Mastercard)
    Currency converts instantly at market rates (no sneaky margins)
    Moves as quickly as sending a text 
  3. Unit of account
    1 tally = 1mg of gold. Simple
    Stable enough to actually plan your future with
    Speaks every currency’s language (gold’s kind of a big deal everywhere)

This is why TallyMoney is so much more than just owning Gold – it’s a real financial revolution. We’re not just helping you own gold; we’re bringing back what money was always meant to be. Sound Money for a Brighter Future. Because your hard work and wealth deserve better than being slowly robbed by external forces.

We want you to have real money

  1. A store of value:
    Keeps its value over time
    Insulated from devaluation/inflation
    Actually rare and can’t be created out of thin air
  2. Medium of exchange:
    Easy to use for everyday transactions
    Widely accepted
    Can be transferred efficiently
  3. Unit of account:
    Works like a proper value-measuring stick (imagine if your ruler shrunk every year – mad, right?)
    Splits nicely into useful bits
    Reliable enough to plan your future with

Why does this matter? Because your hard work deserves better than being turned into monopoly money by someone else’s actions. Every time your currency loses value (inflation) its stealing from your past work, which harms your present savings, and your future dreams.