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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

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.

Loading Funds Fee Limit Period Notes
Debit Card (shown in Glint app as Top Up) 3% $5,000 Daily We only accept Bank debit cards 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.
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.
Reserve Free Includes Insurance fee
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 $50,0000
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

 

Please note: A small number of our clients are seeing an “International Fee” when they load funds to their Glint account with a debit card.  It seems some US banks are applying a fee outside of Glints fee structure, if you are one of those clients please contact your bank.  We would like to re-enforce this is not a Glint fee and we have no control over this charge.

 

 

  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.

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

No, not currently.

No, not currently.

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, 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.

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.

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.

Glint does not currently support Apple Pay and Google Pay.

We currently do not support business accounts; however, you may express your business account interest by sending us an email at info@glintpay.com.

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.

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.

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.

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.

No, not currently.

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.

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.

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

We buy gold from multiple bullion market providers.

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 goldredemption@glintpay.com). 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.

Yes of course you can, please send us an email with your contact information and your interest to invest with Glint to info@glintpay.com.

Glint is re-introducing gold as money and as a global currency so that it can be used in electronic payments in real-time. Glint clients can buy any amount of gold and can save, exchange or spend their gold with the Glint Mastercard.

Innovative Payment Technology

  • Glint has developed and utilized a highly scalable and secure micro-services technology architecture to deliver landmark liquidity by enabling physical gold to be settled at the point of electronic transaction.
  • Glint’s gold does not need to be sold in advance. There is no pre-paid card loading, the Glint debit Mastercard is authorized by Glint based on the real-time balance in your Glint account.

Reliable & Independent

  • Physically allocated gold is the most reliable store of value – and now Glint allows you to spend it. Through our innovative app, Mastercard and banking integration, you can use gold as money in every sense of the word. We’re taking gold out of the vaults and empowering you to spend it whenever you want.
  • Our near-term vision, which is fully underway, is the creation of a gold banking service and payment business, both integrated with and independent of existing payment networks.

Fair & Transparent fees

  • Transferring currencies can be complicated, as well as expensive. Many companies aren’t entirely transparent about the fees they charge, so switching money around across different borders can be as annoying as it is costly. Glint lets you transfer funds instantly, opening possibilities wherever you go. It’s hassle-free, and ensures you only pay the real-exchange rate, so you won’t get stung by hidden fees.

Choice and Control

  • As you can both store and spend gold alongside international currencies, you attain a unique choice as well as an additional level of control and protection over your money.
  • Glint gives you control by letting you independently store and manage your wealth outside the banking system. You will be able to transfer money to pay bills or send funds to friends without it ever going near a bank, and there’s no reliance on government currency.

Security & Trust

  • Glint is the Program Manager and the Glint MasterCard is issued by Sutton Bank. Glint is also an affiliate partner to Mastercard International Inc. Using the latest technology, we have bank level security, as well as employing effective AML systems and controls to mitigate money laundering and terrorist financing risks. Your money is safeguarded in segregated client accounts and your physical gold in one of the largest, most secure, independent and insured vaults in Switzerland. You’ll also get instant in app record of your transaction to help you keep track of your spending, to help you stay safe from fraud. And if you suspect any fraud you can block (and unblock) your card directly in the app

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%.

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.

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.

Once your account is set up, your card will automatically be sent to your home address. You should receive your Glint Card within 5 business days after successfully completing the application and approval process.

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.

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.

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. 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.

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’.

You cannot change your PIN. Some ATM’s may still give you this option, but your request will not be honored. You can view your PIN anytime from your Glint app.

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.

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

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 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.

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

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

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

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

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

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.

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.

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.

Please view them here.

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

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

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

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.

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

If you lose your card, you need to block it via the app or by contacting us at support@glintpay.com.  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.

Please contact us at support@glintpay.com or on the phone at (877) 258-0181.

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

Your first transaction must be with CHIP + PIN to activate the contactless feature of the card.

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

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.

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 support@glintpay.com.

Remember to destroy any expired cards to avoid potential fraud.

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.

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

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.