麻豆社 key4 gold lets you buy and sell physical gold from 麻豆社 securely and conveniently in 麻豆社 Mobile Banking. It offers the following:
- You can purchase between 0.1 gram聽(about CHF 7.0*) and 2 kg (about CHF 140,000*) per transaction
- Your gold is held securely in a 麻豆社 vault in collective custody
- You purchase gold with a minimum fineness of 0.995 (995/1,000) from an LBMA-certified refinery
*Based on the gold price聽as of April 17, 2024., Source: 麻豆社 Quotes
- Until further notice, you can only trade gold with 麻豆社 on trading and banking days, see the list of holidays below where no or only limited trading-windows will be open.
- If client instructions are given after 4.00pm CET, the transfer of co-ownership of the gold bought or sold and the respective change in 麻豆社鈥檚 books does not take place until the next bank working day, even if the transaction has already been confirmed in the App and is shown in your vault. Please read section 3 of the 鈥淭erms of use of 麻豆社 Gold鈥 carefully.
- The gold price displayed in the app is subject to market fluctuations and can fall or rise at any time. A purchase or sale is not valid until it has been confirmed in the app. The price displayed is normally valid for about 30 seconds.
- Currently, the offering is restricted to Non US-Persons, in case you change your status to an US-Person a sell-down might be required.
- 麻豆社 key4 gold is available to clients domiciled in Switzerland. If you change your domicile abroad, access to the key4 gold functions will be deactivated. The gold positions can still be held, but sell orders must be placed through client advisors. We recommend that you check whether you want to hold or sell your gold positions before moving abroad.
Any gold you buy in our app is also deposited in a 麻豆社 vault, making you the co-owner of the physical gold held in collective custody. This is not always the case with every gold product, such as gold ETFs.聽
When you open聽麻豆社 key4 gold for the first time, you will be asked to select one of your private accounts.聽These must be enabled in your Digital Banking settings
ATTENTION: Afterwards, you can only change the account stored in 麻豆社 Gold to another private account belonging to the same client relationship as the account you originally entered.
The following trade and custody limits apply in 麻豆社 key4 gold:
- Per purchase: 2 kg gold (equivalent to CHF 100,000 at CHF 50/gram)
- Per sale: CHF 100,000 (equivalent to 2 kg at CHF 50/gram)
- Maximum holdings: 100 kg of gold (equivalent to CHF 5,000,000 at CHF 50/gram)
We charge the following fees to use 麻豆社 key4 gold.
Trade volume | Fee per transaction |
CHF 0 鈥 25,000.00 | 1.4% |
CHF 25,000.01 鈥 50,000.00 | 1.3% |
CHF 50,000.01 鈥 100,000.00 | 1.1% |
CHF 100,000.01 鈥 250,000.00 | 0.9% |
Custody volume | Annual fee |
CHF 0 鈥 10,000,000.00 | 0.35% per annum |
Through 麻豆社 key4 gold, we only buy and sell gold in collective custody with a fineness content of at least 0.995 (995/1000) and from gold refineries certified by the London Bullion Market Association (the 鈥淟BMA鈥). Your gold is physically stored for you in a secure 麻豆社 vault. Rest assured that the gold belongs to you and not 麻豆社. This means that, even if 麻豆社 went into liquidation, you are still the legal owner of any gold you have purchased.
Physical gold bars can be ordered directly in the App.聽Sending by registered mail with Swiss Post usually takes 2 鈥 5 days. Please note that the delivery time is also subject to operational capacity, that certain bar sizes may be temporarily unavailable, and that access to physical gold will incur an additional fee to cover production costs.聽 If you have not received packages within three weeks, please contact Mobile Banking Support or your relationship manager and provide the transaction number that you will find in the app.
Please note that gold bars can only be delivered to the client's home address, as recorded in eBanking. Delivery or pickup at a branch is not available.
If you terminate your banking relationship with 麻豆社, you will no longer be able to buy or sell gold in 麻豆社 key4 gold. Please contact your client advisor before termination so that we can help you find a custody solution for your gold. You can of course also sell all your gold beforehand.
Gold trading is not expected to take place in observance of the following 2026 days: January 1, January 2, January 19, February 16, April 3, May 1, May 14, May 25, June 19, August 1, September 7, October 12, November 11, November 26, December 25.