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Troygold
A South African gold investing app for individuals and businesses to buy, sell, upload, store, and borrow against insured 1oz Krugerrands held in vaults.
Troygold Product Overview
Is Troygold Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- South African investors
- First-time gold buyers
What It Does Well
- Buy and sell Krugerrands
- Vaulted gold storage
Things to Check
- Loan terms and rates
- Storage and insurance fees
About Troygold
Troygold is a South African fintech platform for individuals and businesses that want to save, invest, and access credit using real physical 1oz Krugerrands.
Key capabilities include:
- Buy and sell gold through a gold bullion-backed account, with support for small starting amounts (as low as R10), designed for ongoing gold accumulation.
- Upload and digitize Krugerrands that users already own, then place them into secure vault storage.
- Gold-backed credit facility that provides liquidity against vaulted gold (up to 50% of the gold value), with interest-only repayments.
- Subscriptions for automated weekly or monthly gold purchases, plus the ability to send gold to other users and redeem holdings via courier delivery in 1oz denominations.
Available on Web with a DigiGold API plus business and wholesale options. Troygold is also available on Android and iOS.
It is built for South African retail investors looking for gold-backed savings and liquidity and for businesses seeking a zero-inflation business account and programmatic access to gold via API.
Notable in the local market, holdings are 100% physically backed, allocated and segregated, uniquely numbered, and fully insured, with storage via RMB at Brink’s vaults in Johannesburg. The provider (Karat Consolidated (Pty) Ltd) is a registered high value goods dealer with South Africa’s FIC and a Registered Credit Provider (NCRCP 12342) under the National Credit Act.
Troygold Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataOperates In
Official Links
What it does
Pricing & Fees
Variable pricingPricing varies by purchase amount and service: Krugerrands buy rate (above spot) +5.5% (≥ 1 oz), +7% (0.1 – 1 oz), +8.5% (≤ 0.1 oz); sell rate (above spot) +0.5%. Credit facility annual interest: Prime + 3% (≥ 10 oz), Prime + 6% (1 – 10 oz), Prime + 9% (≤ 1 oz); interest charged monthly. Storage annual: 0.5% (≥ 10 oz), 0.75% (1 – 10 oz), 1% (≤ 1 oz); charged monthly, levied in gold. Upload/redeem: R500 courier fee; 0.5% + R1,725 courier fee.
As of Sep 28, 2026, Troygold is rated 4.4 on the App Store from 43 reviews and 4.0 on Google Play from 135 reviews with 10K+ installs.
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Troygold Funding History
Liners compiles funding history from company announcements, investor records, and trusted reporting. We refresh it as new rounds are confirmed. How we source dataTroygold has 2 recorded funding events. The latest was Angel in Apr 2021.
- Total Raised:
- Undisclosed
- Latest Round:
- Angel
Troygold Investors & Funding Rounds
AngelUndisclosedApr 2021
Troygold Founders & Leadership Team
Liners compiles leadership profiles from official company pages, professional profiles, and trusted public sources. We refresh them as teams change. How we source dataFrequently Asked Questions About Troygold
Troygold is a mobile app that lets you buy, sell, store, and use real gold Krugerrands for transactions and loans. You download the app, deposit physical gold at drop-off points or buy directly from R10, get full legal ownership with a certificate, and store it insured in a vault; then spend via a linked Mastercard debit card, trade 24/7, or borrow up to 75% of its value at low interest rates.
Troygold has no monthly account fees, but includes buy/sell spreads (5.5-8.5% buy, 0.5% sell above spot based on amount), tiered storage fees (0.5-1% annually if required), and gold-backed loan interest (Prime +3% to +9% based on holdings). Standard Mastercard transaction fees apply.
Troygold operates only in South Africa.
You can sign up for Troygold by downloading the Troygold app or visiting the website, then selecting “Get Started / Open Account”, completing your email registration, and finishing the ID verification (KYC) process before you can start investing or uploading gold.
Yes, Troygold is available on iOS and Android. You can download Troygold on the App Store for iPhone, or get it on Google Play for Android.
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