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HelloGold is an award-winning mobile savings app that allows you to save in gold easily. You can buy, sell and send 99.99% (999 gold) investment grade gold with no minimum purchase (in grams), allowing you to start saving in gold from as low as RM1(MY). This app was built to give everyone access to gold savings and to serve as a secondary platform for savings. Traditionally, gold savings has been classified as a financial product for the upper class but HelloGold is here to show you that now anyone can save in gold, you just have to get started.

What You Can Do On HelloGold:

1. Buy & save in investment grade gold
2. Sell your gold back easily & withdraw your cash
3. Send your gold to friends & family
4. Redeem physical gold starting from 1g
5. Track live gold prices
6. Join the SmartSaver savings plan

Why Use HelloGold?

● International award-winning FinTech app
● World’s first Shariah-compliant gold savings app
● Affordable; buy gold from as little as RM1(MY)
● Gold is fully insured and stored in a secure vault
● Allocated gold. Redeem your physical gold anytime.
● Instant access to live gold prices
● Easily buy gold or sell your gold for instant cash
● Offers one of the best gold prices in Malaysia

Why Save in Gold?

Gold has maintained its value over the long-term and has protected the finances of millions, especially through inflation and economic downfalls. Saving in gold is a great way to secure your finances, as it’s a historically stable financial product and an excellent way to diversify your investment portfolio.


HelloGold offers a gold savings plan called the SmartSaver to make saving and financial management as easy as possible. This is a 12-month automated savings plan that allows you to select a savings goal and a monthly savings commitment from as little as RM30(MY). All you’ll have to do is fund your monthly goal and the app will automatically purchase gold for you at the lowest gold price every weekday through the month. At the end of the 12-month period, you can cash out your gold savings, claim your physical gold or continue to grow your savings. You would also be able to cancel your SmartSaver plan at any time throughout the 12-month period.


1. Islamic Retail Banking Awards - Most Innovative Islamic Retail Product of the Year 2017
2. 2017 TechMatch ASEAN - Best of TechMatch ASEAN 2017
3. 2018 Malaysia Fintech Expo - Prominent in Wealth Asset & Investment Management of the Year
4. WIFA 2018 - Best Islamic Wealth Management Fintech Company

SmartSave and diversify your investments when you get started with this savings app. With over 19,000 users, HelloGold is the preferred savings app for anyone who’s interested to safely and securely buy gold, sell gold and manage their wealth.

*Disclaimer: HelloGold does not provide consultation or advice on financial investments.

What’s New

Version 4.18.1

Bug fixes and performance improvements.

Like many things in life, savings can be a challenging habit. But then there are those perfect days, where the sun shines, you have a goal in mind and you have the amount to put away. For easy days that are fuss-free, we've taken out some of the fuss here. With this update, you can Buy Gold/Fund Your Goal on SmartSaver directly without having to "Add Cash" first!

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Ratings and Reviews

4.5 out of 5
917 Ratings

917 Ratings

Bel-t ,

Great app for gold savings

Love the affordability with the low buy ins! I can save when I want and how much I want as well. It’s flexible without high commitment.

Gold savings made easy for those who want to try saving in something different aside from just cash.

Would really like to see how much my gold is worth now compared to when I first bought it though.

Developer Response ,

Hey there, we love hearing feedback from our customers, glad that you're enjoying the app! To get more information on your gold worth please drop us an email on this question and we'll get back to you as soon as possible :)

Albertho82 ,

Not worth trying! Updated review (will give negative if there is -be ratings)

1) not far different from scam. Just for your info before u invest. As your investment end up like u paying them money by monthly and will never earn!
- they charge u $ when u first buy
- they charge u monthly saying monthly maintenance taking care ur money
- cash out- charge based on gold % and not a fixed amount!

=> I’m seeing my money reduced by the day not because of the market price. But because of the service charge.
End of the day, u got nothing.

2) Anyone plan to install and invest with this app, do try think twice. The charges is too high at stake.

First they indicate certain amount is for them to manage the system. 2nd is the charges for every transaction buy /sell.

Honest words, will takes months or years before u can get the same value while they already profited. When u feel u already profited, well count again, the charges to sell😂.

Had tried rm50- small amount to enable me to analyse all the system.

NOT WORTH IT! If any ppl still want to try, good luck. But try it small and You’ll get what I mean after awhile. Do the maths.

This would have been a good app if not of the buying charges and selling charges and possible some other payment required.
Already making loss before u invest. Unless u got too much money and waited 10-20years. And that’s is If u are lucky u will earn some, but after minus inflation... errr..

Developer Response ,

Hi Albert,

The gold you save with HelloGold is physical gold which needs to be insured, audited and stored in a secure vault. This is the same process applied by banks and all other financial service providers engaged in gold transactions. This one-off annual fee which will be charged monthly on the value of gold we hold for you. Other fees charged such as transactions and redemption are in line with industry practices except that with HelloGold, our fee structure (which is called spread in the industry) is relative to others and are extremely competitive. We do not embed hidden costs into our fees.

We also take pride in being the most transparent about our product, operations and fees to ensure that anyone can make an informed decision about our business and offerings. With that said, all of our fees and charges are available on our website.

Please call our customer service number 1 300 130 888 (Malaysia) / +603 7661 6228 (outside Malaysia), email us at hello@hellogold.com or contact us through our in-app help centre if you require further assistance.

Thank you.

timkama96 ,

Everything’s fine until i found this

Not a big deal for 0.79% charge fee for buying the gold and selling it off with 2% charge fee, while it stated to insure and keep your gold safe you will be charged 2% fee monthly depending on your total amount of gold

Everything’s seems fine for me because there is no way people don’t charge you when providing services, but i wanted to redeem 1g gold as to check out the procedures until i really get the real gold so i called the customer care line i thought i heard it wrongly you actually need around rm200 to deliver the 1 GRAM gold to your house , im not joking you need to pay rm200 (delivery fee and insurance) to redeem 1 gram gold the conversation with the customer care line stopped here as it is too ridiculous for me to cont the conversation

Well at last, i believe its not a scam

Developer Response ,


When you buy gold with us, what happens is that you are given a small part of the 1kg gold bars that we buy. Do be informed that when this part is allocated to your account, we do not own it anymore. Just like other physical gold products, redemption is based on minimum size. For HelloGold, it is 1 gram. Our users have to option to keep their gold with us or redeem it in full gram denominations.

When it comes to redeeming gold, there are charges involved, including administration, packaging, courier and insurance for the delivery of your gold. Rather than asking our users to pay in cash, we cover the cost with the gold in your account.

For example, if you would like to redeem 1 gram of gold, the total cost of redemption is the cost of 1 gram along with administration, packaging, courier and insurance of the delivery of your gold, which will be calculated based on the price of gold on that day. Any extra costs would depend on the denomination of gold you would like to redeem. For example, the cost of redeeming 10 grams of gold is much lower than redeeming 1 gram, based on the average cost of each gram.

We hope this does not stop you from saving with us. Thank you for giving our app a try! Do let us know if we can help you in anyway.


HelloGold Sdn Bhd
339.6 MB

Requires iOS 10.0 or later. Compatible with iPhone, iPad and iPod touch.


English, Chinese, Malay, Thai

Age Rating
Rated 4+
© 2019 HelloGold Sdn. Bhd.


  • Family Sharing

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

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