Money on a mission

TallyMoney was born from the belief that people should be able to hold money in an account that benefits the customer, not the bank. And that the money people earn and save should maintain its purchasing power and stay in their control. That’s why we created the world’s first non-fiat personal accounts.

Tally is not a cryptocurrency, not a multi-currency wallet that dabbles in gold or silver, nor a trading app. It’s asset-based money and an alternative to fiat currency that works seamlessly with the existing banking infrastructure whilst safeguarding customers from the devaluation caused by inflation and the many risks depositors and savers unknowingly take in keeping their money in fiat currency.

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A word from our founder…

“We all want to be confident that our money will protect and benefit our families and ourselves as we grow. Money should make us feel motivated and empowered, not undermine the value of our time and efforts, or be out of our control.

When money is safe, secure, and a sound store of value, personal savings and productivity can flourish. However, it’s become increasingly apparent that the global financial system works against depositors and savers. And it’s not acceptable for the value of the money you use every day to be diminished (gradually or rapidly) over time. But we’re not here to scare or worry you. We’re just here to provide a common-sense solution to a very real problem.

As each tally represents one milligram of physical gold you own, it’s easy to understand how tally derives its value. Value you can spend anywhere in the world with your own individual account number, sort code, and TallyMoney Debit Mastercard®. In other words, you can use TallyMoney just as you would a regular bank account and debit card, but with the confidence that you’re in complete control and that the value of your money isn’t being undermined.

So what will you choose? Common sense or convention? I hope you will join the thousands of us in the UK already enjoying tally.”

Money with morals

TallyMoney is committed to providing an ethical form of money and payments. Here are some of the ways we deliver an account that protects and benefits you, the customer, not the bank…

Innovation

By creating a new category of money, TallyMoney addresses the number one problem for consumers in traditional banking: the declining value of fiat currencies.

Accountability

As a full-reserve platform, your funds stays put. TallyMoney never leverages up, lends out or invests your savings.
Your money remains in your control, for your benefit. 

Transparency

TallyMoney’s fee structure is transparent and simple.
It’s 0.5% per annum with the 1.49% gold purchase fee. We don’t charge you for moving your money out of tally, and there are no hidden fees or charges when making payments out at home or abroad.

Protection

Your tally is real physical gold. In the unlikely event the company behind the TallyMoney platform ceases trading, your gold will be promptly sold and the sale proceeds, less a 1% fee, will be transferred into your linked account.
No limits, no caps.

Join the TallyMoney evolution

Want to be part of a task force committed to delivering safer money? Please send your CV to work@tallymoney.com for consideration for upcoming roles across product, sales, marketing and finance.

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.