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

Offering an everyday account, easy access accounts, and a 1-year fixed-rate savings account with a 2% return, Tally helps you save money.

Why gold?

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. In fact, gold is historically proven to increase in value over time, which is why we have found a way to monetise it.

*NEW* Fixed-rate savings account

Tally’s 1-year, fixed-rate savings account (or ‘safe’) offers a market-leading 2% return for one-off deposits between £1,000 and £20,000. Just tell us how much you’d like to deposit, and we’ll add you to the waitlist. We’ll let you know when your safe is ready and how long you have to move funds over from your everyday account. Please note, the GBP value of funds in an everyday account will fluctuate (up and down) in line with the gold price. Once your funds are in a fixed-rate safe, the GBP value is locked. Fixed-rate safes are available to Tally customers not in a 30-day trial, and no early withdrawals are permitted.

Everyday account

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 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 Tallys are 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, but because gold is proven to increase in value over time, so will the value of your Tally.

Why Tally?

PEACE OF MIND Tally is not debt-based money; it’s 100% full reserve banking, which means 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 control over your money or the ability to restrict your access. It’s safe, secure, and not limited to the FSCS’s £85k compensation cap.

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. To cover the storage, insurance, and operational costs, we charge an annual account keeping fee of 1% of your average balance (calculated daily, charged monthly).

Make the change

To open an account, simply download TallyMoney and have your photo ID ready. Once we confirm your identity, make a deposit from a non-Tally bank account (in your name) into your Tally account to get started.

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

What’s New

Version 3.25

We have been busy squashing bugs, improving the customer experience, optimising the speed and performance, reducing crashes and improving security.

Ratings and Reviews

4.3 out of 5
105 Ratings

105 Ratings

zakdriver99 ,

Great app

This is a great app. Be aware your capital is at risk. If you use it smartly you can make significant profits. I would love to see a widget or a shorter term tracking of the value of the coin e.g the value of a 100 tally coin over today, this week, this month or this year. Would be nice to have alerts when the value changes e.g £4.24 per 100 tally coin to £4.23 per 100 tally coin.

Keep up the good work

Tallyho777 ,

Spend gold instead of money

Brilliant idea. MasterCard banking card that allows you to hold gold instead of money. And spend everywhere that accepts MasterCard. (Pretty much everywhere) Better still you can use abroad and no exchange rate,saving you money. Better to have your money in gold as gold is safe and gives you a better return than holding cash in the bank. Super easy, you just add funds to your Tally MasterCard, which automatically purchases gold (stored in a vault in Switzerland). All insured and regulated. It shows how much gold is held on your account and how much that is worth in pounds clearly. And your good to go. Spend as you would normally in shops. Super sleek. I’ve made money already just having it sat there, as gold price on the up. A new way of banking.

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


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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