A metal account is similar to a regular bank account, which reflects the amount of precious metal purchased by customers in grams.

A metal account is suitable for those who want to diversify their savings and protect their money from inflation. Precious metals tend to increase in value over time, making them suitable for long-term investments.

A metal account is a digital asset that you open in a mobile app. Your money is converted into grams of gold or silver at the current exchange rate, and you can buy or sell metal online at any time. You do not receive the physical metal — it is recorded digitally in your account.

Gold bars are a physical product. You buy real, pure gold bars that you can hold, pass on as inheritance, or melt down into jewelry. They can be bought at bank branches or pre-ordered through the mobile app.

If you value mobility, simplicity, and the ability to respond quickly to market changes — a metal account is the better choice. If you prefer to physically own gold, gift it, or store it — gold bars are the right option for you.

 You must be at least 18 years old.

• High liquidity: You can sell your metal anytime at the current rate via the bcc.kz mobile app.
• Low risk: The selling  price depends on the exchange rate, not the quality of the metal.
• No extra costs: No need to pay separately for storage or transportation.
• Low entry threshold: You can start investing from just 1 gram.

Free opening and maintenance of metal accounts— 0 KZT

During the working hours of the FX-Exchange, you can sell/buy precious metals at the favourable exchange rate of the online platform. Outside the working hours of the FX-Exchange, transactions are executed at the working exchange rate of the bank.

The balance of the metal account is displayed in KZT/USD at the FX selling exchange rate.

No, you cannot gift gold: you cannot transfer it to another person or purchase it using someone else's account.

No, they are not.