Tally - save and spend in gold 4+

An account to fight inflation

TallyMoney Ltd

    • 3.9 • 159 Ratings
    • Free

iPhone Screenshots


Tally is the world’s first non-fiat personal account that uses money backed by physical gold to protect the long-term value of your savings.

With a one-off activation fee of £19, you get access to cutting-edge technology that turns your physical gold into spendable money.


With interest on most savings accounts at an all-time low, you may as well keep your money in a piggy bank. But even a piggy bank can’t stop your money from losing value through inflation.

Every time the government creates more fiat currency (i.e. pounds), your money silently loses value. It’s silent because you don’t see your bank balance going down; you’re just able to buy less with your savings in future, as inflation devalues the pound and drives up the price of goods and services.

Because gold is a physical asset, it cannot be devalued by artificially increasing supply. And whilst the value of gold does fluctuate (up and down), historically, its value has increased over time, making it ideal for savers.


Using tally is like using a foreign currency at home without the fees and charges, but with the knowledge that it’s a better currency than the one you were previously forced to use (pounds).

Whenever fiat currency is transferred into your Tally Everyday Account, those funds are instantly converted into tally. Each tally represents 1mg of physical LBMA-accredited gold purchased on your behalf at the precise moment the funds are received.

Every time you withdraw cash, transfer money out, or make a purchase using the app or Tally Debit Mastercard®, the corresponding tally is deducted from your balance, and the related LBMA-accredited gold is sold on your behalf.

Your balance is displayed in tally but also shows you the live exchange rate (i.e. what your tally is worth in pounds). As with any foreign exchange comparison, the pound value shown in your account will fluctuate daily in line with the global gold price.


PEACE OF MIND Tally is not debt-based money. Your money is never invested or leveraged to create new loans that can be defaulted on.

CONTROL Because your money is tied to a physical asset outside the global banking system, no government or bank has use of your money or the ability to restrict your access. It’s safe, secure, and in your control.

FREEDOM Tally is a global currency with no added foreign exchange fees or markups. And we don’t charge for ATM withdrawals, even when travelling abroad.

CONFIDENCE Tally is LBMA-approved gold converted from/to fiat currency at the global gold wholesale price, regardless of transaction size. There are no added markups, fees or minimum quantities.

CLARITY There are no hidden fees. We charge a one-off account activation fee of £19 and an annual account keeping fee of 0.9% of your average balance (calculated daily, charged monthly) to cover storage, insurance, and operational costs.


To open an account, simply download TallyMoney and have your photo ID ready. Once we confirm your identity, pay your activation fee by bank transfer before making your first deposit from a non-Tally account (in your name) into your Tally Everyday Account!

Find out more at www.tallymoney.com or by contacting support@tallymoney.com

What’s New

Version 3.44.0

- Bug fixes : login, card details.

Ratings and Reviews

3.9 out of 5
159 Ratings

159 Ratings

neel7482910 ,

One key missing feature

It seems quite good so far (have only deposited £50 so far) however I would really like a feature where you can see a graph of the current and past exchange rate from GBP to Tally and vice-versa (Revolut does this for all the currencies they support), and maybe even other currencies such as Euro to Tally etc. Also something like “notify me when exchange rate is £1 = X amount of Tally” would be incredibly useful, or even to automatically take a pre-specified amount of GBP from my non tally bank account when the exchange rate is a certain amount.

The notification thing is maybe for a bit further down the road but I’d really like to be able to see historical exchange rates in the app instead of having the Google the price of 1mg of gold over the past week/month every time I want to have a look. Also it doesn’t seem as though the live rate updates very often, any chance you could clarify how often the GBP to Tally rates update in the app?

NotJackieChan69 ,

A brilliant idea

Inflation has always had an eroding effect on the value of cash savings. Tally allows you to easily hold cash savings in gold, protecting their value from inflation in the process. What differs from other methods of holding gold is you can easily spend it at home or abroad using their debit card. The app is well designed and easy to use. Missing a star due to semi regular IT issues that make it less reliable to use as a day to day account. Support is brilliant, however, the team respond quickly and professionally to questions. Once it offers Direct Debit and Standing order functionality I will be having my salary paid in and use it as my main account.

SEOStu ,

Missing important features for serious users

I’ve tried Tally for several months and invested thousands, it works well enough but IMHO has several drawbacks -
1) no visibility as to when a buy or sell will happen, removing the opportunity of being able to play the markets
2) no record in your transaction history (that’s easily visible) to show at what price you paid or even an average over your whole holding. I resorted to taking screen grabs at regular intervals of the balance
3) tried a dialogue with Tally and joining the beta App team but didn’t work well
4) delay on collecting large withdrawals when they contact you manually, but unexpectently , to ask security questions that you can easily answer if you have access to the account. On the plus side the rate was honoured even though gold market had fallen

Developer Response ,

We have used your numbering below:
1) As Tally is not a trading app it would be hard to use it the way you seem to want to use it. You are allocated a rate when the transfer in hits our system and when you action a withdrawal, so if the rate changes you get the one you made the transfer at.
2)Each transfer or transaction is allocated a rate which is displayed when you tap on the relative transaction in your transaction list, it will show how much 100 Tally was at that moment. Also, now you can download your statements in PDF format which shows the rate of each transaction in a column.
3)As being part of the beta testing app you would experience a number of different bugs as this is the point we use to weed out as much as we can but sadly can not find everything sometimes.
4)As stated in our FAQs large transfers in or out will go through additional checks as part of our security process which can take up to 2 working days but most are carried out a lot sooner than this.
Team Tally

App Privacy

The developer, TallyMoney Ltd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location
  • Contact Info
  • Identifiers

Privacy practices may vary based on, for example, the features you use or your age. Learn More


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

You Might Also Like