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Category: Glint’s Helpful HInts

Glint’s Helpful Hints: Now you can use your Glint card with Apple Pay, Google Pay and Samsung Pay!

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Apple Pay USA Helpful Hint

Some great news folks – from Monday 10 January 2022, US clients will be able to use our Smart phones to make payments with Glint! That means you could make contactless payments in actual gold, on anything from the New York Subway to dinner in Beverley Hills!

The process is simplicity itself. Digital wallets are designed to be intuitive.

Apple Pay
If you use Apple Pay you can add up to 12 cards on the iPhone 8 and later versions:
Go to Wallet and tap the add button.
• Follow the steps to add a new card.
• Tap Next. We will verify your information and confirm if you can use your card with Apple Pay. If we need more information to verify your card, we’ll ask you for it. When you have the information, go back to your Wallet and tap your Glint card.
• After your card has been verified, tap Next. Then start using your Glint card via Apple Pay.

Google Pay
If you prefer using Google Pay it’s also a simple set-up:
• Open the Google Pay app: If you have multiple accounts in Google Pay, at the top left, tap Menu Down arrow. Then, tap the account you want to use to add a debit or credit card.
• At the bottom, tap Payment.
• At the bottom, tap Add credit or debit card.
• Use the camera to capture your Glint card info or enter it manually.
• If you’re asked to verify your payment method, choose an option from the list.
• Find and enter the verification code.

Samsung Pay
And if Samsung Pay is your preference, it’s also very easy:
Open Samsung Pay on your phone.
• Tap Menu in the top left corner, and then tap Cards.
• Next, tap Add card, and then tap Add credit/debit card.
• Follow the on-screen instructions to register your Glint card, agreeing to the card’s terms and conditions when prompted.

Contactless Payments
After linking your Glint card to your preferred wallet, you are now set up to pay for goods and services without the need to swipe or tap your card, or to sign a check. In these difficult times of Covid, we think you’ll love using Glint on your phone. It’s incredibly safe and super-simple and you can spend whichever currency you have your card set to in your app, so you can flip between contactless spending in US dollars and real, allocated gold.

Don’t forget, any questions or difficulties, contact our client services team who will be glad to help you.

Glint’s Helpful Hints: Your money is safe with us

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Helpful Hint Safe

Glint is not a bank or credit institution. It is an EMI (Electronic Money Institution) but as a non-bank payment provider (as the UK’s Financial Conduct Authority or FCA considers us), Glint is required by regulation to protect your money. Customers’ government-issued, fiat money (e.g. GBP, EUR and USD) received in relation to the e-money issued or payment services we provide, is protected through a process known as ‘safeguarding’.

Safeguarding is a key consumer protection measure. We keep your money in designated, segregated accounts. This separates customer money from Glint corporate funds and Glint corporate accounts.

In the unlikely event Glint ceases to trade, you can claim repayment of your money in priority to all other creditors with the one exception (an appointed administrator may claim expenses in respect of the costs of distributing the segregated funds back to Glint customers).

Safeguarding your money starts immediately on receipt of funds.

Gold is not regulated by the FCA. Customers’ gold however is physical gold bullion that is legally allocated to each customer, stored in a Brinks vault in Switzerland and insured by Lloyds of London. Customers have constructive possession of their gold. Constructive possession is a legal fiction to describe a situation in which an individual has actual control over chattels or real property without actually having physical control of the same assets. At law, a person with constructive possession stands in the same legal position as a person with actual possession. So Glint customers can be confident that their gold is safe, at all times.

Glint’s Helpful Hints: What if you enter the wrong PIN?

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Try not to enter the wrong PIN. Or at least don’t enter it three times. Three strikes and you’re out! If you enter the wrong PIN three times, your PIN and card will be blocked. This is a necessary security measure, designed to prevent any fraudulent use of your account. It’s easily rectified – just contact the Client Services’ team and they’ll be happy to help unlock you.

Monday to Friday 09:00 to 18:00 MDT telephone: (877)258-0181
Email: [email protected]

Glint’s Helpful Hints: Spend in gold

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spend gold helpful hint

It’s come to our notice that some Glint clients think they need to change their gold into fiat currencies, in the belief that’s necessary if you want to use your card to buy something.

Not only is that not necessary, it will also cost you money. It costs you 0.5% to buy & sell gold, whereas it is entirely free to spend gold in the currency of residence.

To spend gold, you just need to link your card to your gold balance. You can do this in your App by clicking on the teal green horizontal strip at the bottom of the Home Screen, which tells you what your card is linked to.

So don’t waste time or money – spend in gold, the superior currency!

Glint’s Helpful Hints: Top tip for topping up

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Topping Up Hint

Topping up your account couldn’t be easier.

On the home screen of your Glint App, you will find a ‘top up’ symbol on the top left under the ‘+’ sign.
You have the option of a bank transfer or card payment; you’ll need to add a debit or credit card to your account if you would like to use card payment; this has a limited amount you can top-up but bank transfers have no limit. Both are extremely safe and secure.

Choose the amount that you wish to transfer.

Glint will process your payments; debit card payments are instant but bank transfers can take longer.

From 4 October, US clients will be able to top up their account via a credit card; UK and rest of the world clients have always been able to use their credit cards to top up their account.

Glint’s Helpful Hints: Has your card been declined?

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card declined

Has your card been declined? There’s probably a very simple explanation.

• It simply may be that you may not have enough funds in e-wallet you are trying to use for payment (for example Gold, USD, GBP or EUR wallet). Glint does not provide credit so, please ensure you have topped up and hold sufficient funds

• Maybe the merchant doesn’t accept the card; some retailers are not CHIP and PIN enabled

• To protect you from fraud all your card transactions must get real-time authorization. If the merchant’s terminal isn’t online then it will decline your transaction

• If after everything your the card continues to be declined, please contact our Client Support Team.

• They are at your service:
In the UK, Europe and the Rest of the World call +44(0) 203-915-811
between Monday to Friday from 09:00 to 18:00 BST/Saturday 09:00 to 13:00 BST or email: [email protected]

In the US only, call between Monday to Friday 09:00 to 18:00 MDT
on (877)258-0181 or email: [email protected]

Glint’s Helpful Hints: Glint’s fees

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There’s nothing more annoying than wading through masses of paper or scrolling through wads of web trying to figure out how much something really costs.

That’s why at Glint we don’t bury our fees in acres of fine print. We want you to feel comfortable using the Glint card, so we are completely transparent about our fees – unlike some companies.

Our fees are very competitive. US clients can find a simple guide to applicable fees here, and UK clients or those in the rest of the world can see the fees that apply to them here. And you get instant in-app records of transactions to help you keep track of spending and stay safe from attempted fraud.

Buying and selling gold

Whenever you buy or sell gold using Glint, we use our simple and transparent pricing formula of rate + fee = total cost.


We charge a single, fixed fee for gold exchanges. This fee is 0.5%. We also apply an additional 0.5% fee at weekends.


The exchange rate we use for gold is set by us, and is a variable exchange rate (which means it is constantly changing). You can always see the current gold exchange rate in the Glint app. We stream the best available wholesale market rate for gold. We do not apply any mark-up on that rate unless the markets are closed (for example at the weekend) when we apply 0.5% mark-up on that rate, which is the rate you receive in the app.

There are no further fees or mark-ups applied. The price you pay is locked in at the time of exchange.

We will show you the rate and fee, and the total cost in the Glint app before you make any exchange.

Glint’s Helpful Hints: What does ‘fractional ownership’ of gold bars mean?

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Glint democratises gold ownership through fractional ownership of gold bullion. In these days of rampant fraud, clients are understandably concerned and look for assurance of the safety of the gold they buy via Glint. To help explain our process, we have a robust system of verifying Glint’s total gold ownership.

Glint allows multiple clients, under a legal framework, to own part of an LBMA (London Bullion Market Association) gold bar. Therefore, parts of a bar of gold in the vault may be owned by several separate clients: publishing specific bar numbers would be misleading.

The Glint ledger is the true indication of client gold holdings by volume; this is published in the Glint App as your personal statement.

To verify its total client allocated gold holdings, Glint daily reconciles physical gold allocated between its partners. Each Partner (liquidity provider & Brinks vault) reports daily on the amount of gold purchased/sold and allocated (liquidity provider) and the gold allocated at the vault (Brinks). Glint then reconciles these values against the Glint ledger of record to make sure that Glint has the required holding of client gold allocated at Brinks. Any discrepancies are investigated and resolved in a timely manner. These are then checked monthly by our finance department and ultimately form part of our Corporate Annual Financial Audit.

Furthermore, Glint employs an independent auditor to audit Glint’s gold holdings (on a quarterly basis) in the Brinks vault in Zurich. This audit verifies Glint has the correct amount of gold to cover client liabilities; but it does not verify a specific bar (or part of bar) as belonging to a specific client.

Glint’s Helpful Hints: Money Laundering

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Money laundering – it’s everywhere these days. The United Nations Office on Drugs and Crime estimates that 2%-5% of global gross domestic product is laundered each year, maybe as much as €1.87 trillion ($2.2 trillion or £1.6 trillion). How can you be confident that the gold you hold with Glint is not derived from or used by criminals?

In 2015, the Financial Action Task Force (FATF), an inter-governmental agency which exists to promote policies to protect the global financial system against money laundering, terrorist financing, and the financing of weapons of mass destruction, published a report on the “risks and vulnerabilities associated with gold”. In its conclusion this report says: “gold has intrinsic value, is easily smuggled and exchangeable worldwide and can be traded anonymously… gold’s widespread historical and cultural significance, as well as its potential to legitimise illicit cash, create opportunities for its misuse”.

All of which is true. But at Glint, we scrupulously follow the rules that prevent such abuses.

For one thing, we have a policy of not accepting cash – cash-intensive businesses can lend themselves to all kinds of money-laundering through high-volume, low-value transactions.

We know the source of our gold. Our provider is an institutional-grade financial services network and member of the London Bullion Market Association; the gold is certified to be 99.5% fine gold or better.

And perhaps most important, we implement rigorous “know-your-customer” (KYC) standards; this helps prevent anonymity and illegal activity; and we monitor transactions and investigate any unusual activity.

So your gold is safe, secure, and as invulnerable to malicious activity as possible.

Glint’s Helpful Hints: How safe is my gold?

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In these uncertain times, we know that Glint clients are nervous about being subject of online fraud. Who wouldn’t be? Online fraud has rocketed in the last year.

We take fraud attempts very seriously.

• Remember that no-one at Glint will ever ask you for your PIN and you should not disclose it to anyone else. If someone asks for, don’t give it to them and contact Glint immediately.

Your Glint gold is allocated gold. Gold that is allocated to you, gold that you own.

• Glint clients who hold gold in their Glint account, own allocated gold.

Unallocated gold is entirely different.

• Unallocated gold is nothing more than a deposit held at a financial institution – typically a bank – and legally it belongs to that institution, which can lend it. If that institution fails, holders of unallocated gold at the bank will be required to compete with other creditors before they can get ‘their’ gold.

• With Glint’s allocated gold, even if Glint were to fail, your gold would be returned to you. Glint’s allocated gold is held at secure Brink’s vaults in Switzerland, insured by Lloyds of London.

• Glint has done everything that can be done to ensure that your gold is truly yours, is protected, and held securely.