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FAQs

To help you with your queries here you’ll find a list of frequently asked questions. If you cannot find the information you can type your question into the search bar

Once a customer has placed an order for gold though the Glint app, and that purchase process is completed, the customer them self owns the gold rather than Glint (or any other party). The gold continues to be held in a secure, insured and independent Brinks vault in Switzerland and this arrangement remains in place.

Yes we do. You can add your Glint card to Apple Pay, Google Pay & Samsung Pay

Please log out of the app and log back in to create a new one. If you need additional support, please contact Client Support.

If you’ve forgotten your email, please contact Client Support.

If you’ve forgotten your password, please select ‘Forgot Password’ which is situated on the log-in page of the app. Follow the prompts within the app. If you need further help with your email/password recovery, please contact Client Support.

Your first Glint card will be valid for three years – the expiration date is shown on the front of your card. If you use your Glint card regularly, before your old card expires we will automatically send you a new one in plenty of time so you are not without a Glint card. If you have not received a card automatically and you wish to receive one please contact us at [email protected]

Remember to destroy any expired cards to avoid potential fraud.

There may be a couple of reasons why your card doesn’t work:

  1. You may have entered the incorrect PIN
  2. It may be that you don’t have enough funds in the e-wallet you are trying to access.

Yes, you can use your Glint card as you would any other debit card. Simply enter the card details on the merchant’s site.

Please contact us at [email protected] or on the phone at (877) 258-0181.

Client Support is available Monday – Friday @ 9am- 6pm MST.

If you lose your card, you need to block it via the app or by contacting us at [email protected]  You need to do this to prevent your funds being accessed. When you notify us, we will order you a new card. If you do not have access to your Glint App then you can call client support and select lost or stolen card and report it stolen that way. You will need the details of your card. Once reported we will cancel the card and order a new one for you. It will be sent to the address we have on file so if you’ve moved you need to make sure you change your address. Otherwise, we will not send your card to the correct address and it will cost you twice.

Yes, your card is contactless. For more information about contactless cards read here.

If you wish to dispute a transaction you should contact our Client Services team immediately. They will be able to investigate any transaction queries for you immediately. Once we look into it, we may raise a charge back on your behalf, so please keep any supporting evidence together to share with our team.

You can spend $5,000.00 per day assuming you have the funds in your account.

The maximum you can withdraw is a total of $300.00, assuming you have the funds.

Please contact Client Support. You also have the option to block your card immediately via the app.

Unfortunately not. Currently you can only check your balance on the Glint app where you can see how much you have in each e-wallet and the net worth of your account.

Please view them here.

There are a number of possibilities, the most common of which is:

  1. It simply may be that you may not have enough funds in ewallet you are trying to use
  2. The merchant doesn’t accept the card; some retailers are not CHIP and PIN enabled
  3. To protect you from fraud all your card transactions must get real-time authorization. If their terminal isn’t online then it will decline your transaction. If the card continues to be declined, please contact our Client Support Team.

If your Glint app is not automatically updated then you can manually update it on your Android or iPhone mobile device using the following instructions:

Apple iPhone:

  1. Open the App Store.
  2. Tap your profile icon at the top of the screen.
  3. Scroll down to see pending updates and release notes.
  4. Tap Update next to the Glint Pay app to update it.

OR

  1. Open the App Store.
  2. Enter ‘Glint Pay’ in the search box at the top of the screen.
  3. Tap Update next to the Glint Pay app to update it.

Note: if it says ‘open’ next to your app listing rather than ‘update’ then your app is already updated to the latest version.

Android phone:

To update your Glint app on your Android mobile device:

  1. Open the Google Play Store app.
  2. Tap Menu and then My apps & games.
  3. Search for ‘Glint Pay’.
  4. Tap Update.

Please contact us if you need any further help.

Yes, like any other currency simply link your card with your gold account and when you use the card the currency equivalent, plus any fees will be debited in grams from your gold account. From the transaction screen, you can see the transaction and the grams deducted.

Yes, you must have enough money in your account to make a transaction.

The quickest and easiest way to check your balance is through the Glint app.

At over 30 million locations worldwide – anywhere Mastercard is accepted.

Currently, you can access the Glint App via an iOs and Android systems.

Yes, you can still use your account to buy and sell physical gold.

If your Glint account has sufficient funds, but is declined, it is likely because the Glint Mastercard is linked to an e-wallet with insufficient funds.

Follow the below steps to link your Glint Mastercard to the correct e-wallet.

On iOS: Simply swipe the wallet you want to link your card to the right. A green button will appear on the left side of the wallet saying ‘Link card’. Press it and your card will be linked to spend out of that wallet when you make a purchase.

On Android: Simply tap the display button on the wallet, once illuminated your card will be linked to spend out of that wallet when you make a purchase.

No, not currently. You will be able to make third party payments via the app soon. We will update you as soon as this functionality is available.

If you enter the wrong PIN 3 times, your PIN will be blocked. To reactivate your PIN, please contact our Client Services team.

Yes. We may cancel or suspend your card or account immediately if we have reason to believe that your card or account is involved with fraudulent activities or possible suspicious activities.

Yes, you can freeze your card through the Glint app.

To do this, please go to your Glint profile in the app. Choose My Glint Card. Then click ‘Temporary freeze card’.

Yes. You can block your account. You will need to call us if you want us to block your account for any reason. If you block your account, you will also block your card. So please do not do this unless you are sure.

If you forget your PIN, you can change it easily by going to the “Cards” tab and selecting the option “Request PIN”. This send a text message with a new PIN to your registered Glint cell phone number.

Yes. If you are certain you want to close your account, then please contact client support. We can only send the remaining funds back to the funding account in your name.

No one at Glint will ever ask you for your PIN and you should not tell anyone else either, for any reason.

If someone does ask you, do not give it to them and contact us immediately.

Once your account is set up, you can order your Glint card from the app. You should receive your card within 10-15 business days after you have successfully ordered it. Please see our fees table for card delivery charges.

Premiums for gold – the percentage price charged by gold wholesalers – have increased worldwide. This means Glint’s rates are also affected. The margin between the price at which we can buy  gold from our liquidity provider has widened, so you will notice that the margin in the app is also wider to match the rates at which we can buy our gold. No margin has been added by Glint, the rates you see in the app are the same rates that we can trade on your behalf.

Glint is a FinTech business, operating the world’s first gold-based savings and payments digital platform which also provides multi-currency capabilities. With a vision to help create a world where everyone has an equal opportunity to prosper. Glint is on a mission to provide everyone with a reliable form of money in the form of gold. Glint, in partnership with Mastercard, provides a fair and reliable way to liquidate gold and allow it to be used as money. A gold-based account protects Glint’s clients from inflation and future financial crises. With Glint, clients can buy, save, spend and share physical gold anywhere in the world. Glint provides the best available market rates with no added Glint margin. Just a simple and low 0.5% premium fee is charged; with no additional hidden margins. You can easily keep track of spending, all through one card and one powerfully simple app.

Glint is a Card Program Manager and agent to Sutton Bank and affiliate partner to Mastercard.

Once your Glint account is opened and funded, you can buy gold. Simply convert your fiat currency balance to gold at the current market rate with the lowest premium in the market of 0.5%.

Yes of course you can, please send us an email with your contact information and your interest to invest with Glint to [email protected]

Clients have asked us if they are able to redeem their gold with Glint and receive actual physical bullion.

All physical gold is legally owned by the client therefore, clients can redeem their gold but we should point out that it is not the most efficient and cost-effective way to buy gold for physical delivery. Glints vaults only hold 1kg and 12kg bars, so any redemption requests smaller than this will involve a refinery and or a third party which comes at a cost. We specialize in the spending of gold on your Mastercard using live market rates with zero fees.  If however you still wish to redeem your gold with Glint rather than use it as money, these are the steps:

1. We allow clients delivery of their gold in the form of bars subject to a minimum volume of 10g, plus fabrication & delivery costs. You may be subject to tax depending on the country/state in which you live.
2. The gold purity is 0.999 and there is no specific mint. Bar sizes are 10g, 20g, 50g, 100g, 1oz, 10oz or 1kg.
3. Clients must already hold a Gold balance with Glint before it can be redeemed.
4. Fees for delivery are charged up front in gold so you will need to have sufficient funds your account to cover that cost.
5. Redemption fees are also at a premium due to the pandemic.
6. If you advise the amount of gold you wish to redeem, we will provide you with a quote (send to [email protected]). Please note that as this is not a static price, the quote will only be valid for 10 minutes. Just as a reminder, please only contact gold redemption if you require physical gold and you have the minimum volume (10 g).
7. Once you confirm you are happy to proceed, your account will be debited the relevant amount of gold plus fees and your gold will be shipped to your address registered at Glint.
8. Your gold is covered by the shipping companies insurance while your package is in transit (via USPS, UPS and FedEx).
9. Delivery times are up to four weeks.
10. Once you own the physical gold you will need to find an appropriate dealer if you wish to sell it. Glint does not have the capability to accept gold back once it is redeemed.

Your record of ownership is the Glint ledger which is reflected on a personal basis in the app as your gold account balance. The transaction statement is effectively your receipt of purchase and statement of ownership.

Glint operate a tripartite reconciliation of its client’s gold holdings.  Glint gets an independent statement from both our Gold Liquidity provider and the vault (Brinks) and matches those records of assets held against the Glint Client holding in the Glint Ledger. This is to make sure the gold purchased by our clients corresponds with what has been purchased through and allocated by our liquidity provider and is subsequently residing in the vault.

The Vault is audited by an independent auditor and is further confirmed as part of our annual financial audit.

We buy gold from multiple bullion market providers.

Our client’s gold is stored in an independent Brinks vault in Zurich, Switzerland.

Anyone over 18 years of age with a smartphone (iOS 10 and above) or Android device can open a Glint account.

Subsequent to our U.S. launch in 2019, customers in the U.S. can obtain a Glint Mastercard

Glint reserves the right to discontinue or restrict services as well as conduct thorough customer due diligence on all client accounts at any time.

We only use London Bullion Market Association (LBMA) certified, Good Delivery 12.5 kilo or 1 kilo refined bars warranted to be 99.99% fine gold or better.

No, not currently.

By default, US clients can hold value in a gold and USD currencies in their accounts. Clients may convert their gold or USD to any currency when using their Glint card, except in prohibited and sanctioned countries. Soon US clients will have access to additional currencies.

Interest is money paid at a particular rate for the use of loaned money. You may wonder why the gold you hold with Glint earns no interest. It’s simple – to earn interest, the gold has to be loaned out. We can’t lend your gold, precisely because you are the owner, not us. Your gold sits in the Brinks vault in Switzerland, safe from everything and everyone. If we could lend your gold, that would entail us taking a risk with what is yours. We don’t have that right.

So it’s a better idea to put your wealth into pounds, or dollars, or euros, right? Even with interest rates as low as they are right now, a little bit of money earned by interest is better than nothing, surely

Wrong. A typical savings account today gives around 2% on a cash deposit. So for every $100 or £100 saved over a year, you will get $2 or £2.

Meanwhile, over the same year the inflation target set by the US Federal Reserve or the Bank of England is also 2%. So your £100 or $100 will have lost 2% of its value, which means the £2 or $2 earned through interest will just keep you standing still.

In the last 50 years the £ and the $ and in fact all paper currencies have lost more than 80% of their purchasing power because of inflation.

Before trusting in paper money, think of gold. Over those same five decades gold has grown in value by more than 500%, protecting you and your wealth against inflation.

Glint provides its clients the most competitive spot price of gold available to it. There are no hidden mark-ups with Glint and all exchange rates are updated real-time so you can be sure you’re getting the very best available market rate. When you carry out a gold or foreign exchange transaction, the exchange rate and any associated fees will be shown before you confirm the transaction. Glint applies a low premium fee of 0.5% with no other additional hidden margins.

Some countries levy a capital gains tax on the profits made on buying and selling of gold bullion. Glint does not offer tax guidance. We do provide statements which clients can provide to
their accountant which will enable them to calculate and report any capital gains you may be liable. You are responsible for your own tax reporting so please consult your tax advisor.

We currently do not support business accounts; however, you may express your business account interest by sending us an email at [email protected]

For Apple users, go to the App store and search for Glintpay. Download and install the app. Follow the prompts to register for an account.

For Android users, go to Apps icon on the bottom right of the home screen. Search for Glintpay to download and install the app. Follow the prompts to register for an account.

The verification of a client is a critical regulatory process. We use these details to try and make sure you are who you say you are.

No, you may see an identity check on your credit report. Identity check is a type of soft search that is recorded on your credit report so that there is a transparent record of who has been viewing your credit history. This search does not affect your credit score.

UK/EEA clients will initially get a Glint account that is comprised of a gold and GBP/EUR/USD e-wallet and the ability to spend from either wallet anywhere Mastercard is accepted globally. Additional currencies will soon be added to the platform.

No, not currently.

No, not currently.

No, not currently. Please tell your friends and families about Glint!

  1. Login to your online banking account (Note: the option to add an external account may not be offered on your bank’s app).
  2. Select Transfers. Look for ACH transfer, electronic transfer, transfer between banks, etc.
  3. Look to add or manage your external accounts.
  4. Here you will add your Glint account as an external account. Your Glint account is a personal, domestic checking account. This account must be in your name.
  5. Enter your account information and click Next.
    1. Account name: Enter your name or “Glint Pay” (Disregard reference number)
    2. Glint Account Number (This can be found by clicking ‘Top Up’ in the Glint app)
    3. Routing Number: 041215663
  6. Your bank will attempt to instantly verify your external Glint account. If your bank is unable to complete instant verification, your bank will send two test deposits.
  7. Within 1-2 days, your bank will make two small deposits of less than $1.00 into your Glint account.
  8. Once the deposits have been received into your Glint account, Glint Client Services will let you know via email. You will be able to see the deposits in your Glint app under USD transactions. To do this, click on your USD balance for a full transaction list.
  9. You will need to verify those deposits with your bank. Go to your online banking and find your external accounts. Here you can input the test deposit amounts for verification.
  10. Once verified, you can begin sending full transfers to your Glint account.

*Some steps may vary, but the above should be very close. If you need further instruction on your specific bank’s ACH transfer set up, please contact your bank.

Loading Funds Fee Limit Period Notes
Debit Card/Credit Card (shown in Glint app as Top Up) 3% $5,000 Daily We only accept credit and debit cards in your name for load.
ACH (shown in Glint app as Top Up) Free $200,000 Daily For transactions above $10,000.00 we will require additional information such as proof of source of funds / wealth. There is a minimum load amount for ACH credits of $10.00.
Incoming (domestic) Wire Transfer $25.00 $200,000 Daily Minimum transfer of $500.00. Wires outside of limits will be returned.
Transaction Fees & Limits Fee Limit Period Notes
Gold Fee 0.5% N/A N/A Value of exchange transaction.
Foreign Transaction (FX) Fee 0.5% N/A N/A Value of exchange transaction.
Withdrawals and closures Free N/A N/A We will only make payments to an account in your name.
Gold Storage & Insurance Fees (Charged monthly at 0.02%) 0.02% N/A Monthly We will debit your Glint Monthly Vault fee, monthly in arrears on or around the 1st of the month.
Reserve Free
Card Fees & Limits Fee Limit Period Notes
ATM Withdrawal $1.50 $310 Daily ATM (Domestic & international). Monthly Maximum Amount $9,000
Point of Sale / Point of Purchase Free $5,000 Daily and max
spend per
transaction		 Monthly Maximum Amount $50,000.00
New Card Free N/A N/A See delivery charges
Replacement Card $5.00 N/A N/A See delivery charges
Standard Delivery (Card) $10.00 N/A N/A Delivery takes up to 10 working days (within the United States).
Express Delivery (Card) $50.00 N/A N/A Delivery takes up to 3 working days (within the United States).
Peer to Peer Fee Limit Period Notes
USD to USD P2P Free $5,000 Daily and
per P2P
transaction		 Monthly Maximum Amount $75,000

(more…)

When using your card at a gas station the gas station will authorize $75+ on your card and will then settle for the amount you purchase.
The pending authorization can take 24-48 hours to expire. The actual amount authorized will vary by gas station.

When using your card at a hotel or rental car agency the merchant will authorize up to 15% on your card and will then settle for the amount you pay the agency or hotel.
This hold can take up to 30 business days to expire.

  1. Open the Google Pay app on your device
  2. Add your Glint card by taking a photo or entering your card details
  3. Enter the verification code sent to your phone number
  4. All done!

Most Android devices support Google Pay as long as they run Android KitKat 4.4 or above and have near-field communication (NFC) technology.

No, when your Glint card is frozen, we prevent any payments from being made until you unfreeze it. When you unfreeze your card you will need to make your Glint card the default card in Google Pay again.

Normal Glint card limits apply on Google Pay transactions. However, some merchants apply the contactless limit. In-app transactions are also not limited.

  1. Open the Samsung Wallet app on your device
  2. Add your Glint card by taking a photo or entering your card details
  3. Enter the verification code sent to your phone number
  4. All done!

If you have a Samsung Galaxy S6 device or above with Android Nougat 7.0 or your device should be compatible.

Open your Samsung Wallet app, and drag your Glint card to the first card in your wallet.

No, when your Glint card is frozen, we prevent any payments from being made until you unfreeze it. When you unfreeze your card you will need to make your Glint card the default card in Samsung Wallet again.

There is no limit on Samsung Pay transactions. However, some merchants apply the a contactless limit. In-app transactions are also not limited.

  1. Open the Wallet app on your iPhone and tap the + sign
  2. Add your Glint card by taking a photo or entering your card details
  3. Enter the verification code sent to your phone number
  4. All done!

The following devices support Apple Pay

  • iPhone 6 and above
  • Apple Watch

For a full list of Apple Pay compatible devices go to; http://support.apple.com/km207105

Open the Wallet app then hold and drag your Glint card to the front.

No, when your Glint card is frozen, we prevent any payments from being made until you unfreeze it. When you unfreeze your card you will need to make your Glint card the default card in Apple Pay again.

Normal Glint card limits apply on Apple Pay transactions. However, some merchants apply a contactless limit. In-app transactions are also not limited.

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