Rates & Fees
Alpine Gold takes a member-centric approach to our rates and fees, ensuring that they are competitive within the precious metals market. Our fee structure is designed to prioritize the needs of our members while maintaining the sustainability of our business operations.
We focus on transparency and clarity, providing members with insights into associated costs without hidden fees, which is often a concern with other dealers. Our payments settle the next day, and we operate on a next-day pricing model, allowing members to take advantage of timely market conditions. By offering unique features such as interest-earning lease programs and waiving vaulting fees for leased metals, we aim to enhance the value of our members' investments.
Vaulting Fees
Member fees are assessed to cover the cost of vaulting and insurance. These fees apply to both spending and saving accounts.
| 0 - 500 Gold Dollars | 0.05% per month |
| 500 Gold Dollars and up | 0.02% per month |
| Gold Bullion | 0.02% per month |
| Silver Dollars | 0.05% per month |
| Silver Bullion | 0.05% per month |
Fees are denominated in precious metals, so the U.S. dollar equivalent may vary. See the examples below for typical fee comparisons.
| Account Total | Monthly Fee |
|---|---|
| Gold | |
| $1,000 Vaulted Account | $0.50 |
| $10,000 Vaulted Account | $5.00 |
| $100,000 Vaulted Account | $30.50 |
| Silver | |
| $1,000 Vaulted Account | $0.50 |
| $10,000 Vaulted Account | $5.00 |
| $100,000 Vaulted Account | $50.00 |
| Any Leased Balance | $0.00FREE |
Miscellaneous Fees
These are various service fees to support secure transactions, account services, and optional conveniences. All fees are deducted from the member's metal holdings unless otherwise stated.
Category
Fee
This is waived if:
- 1,000+ Gold Dollars are vaulted (Equivalent value in Silver/Goldbacks)
or - Account grows by $1,000+ USD/month
Additional Service Fees
Special Requests: Signature delivery, overnight delivery, requests for specific years of Goldbacks (2 years+ before the current issue), or Coins, etc., can incur additional charges.
$0 Buy/Sell Spread
Alpine Gold Exchange offers members a unique advantage with its $0 buy/sell spread offer, allowing for the liquidation of vaulted gold, Goldbacks, and silver, purchased through Alpine Gold at full Membership Rates, up to $10,000 per month. This eliminates the typical losses associated with traditional buy/sell spreads.
- Applies to Gold, Goldbacks, and Silver purchased and vaulted with Alpine Gold Exchange in an online precious metals account.
- $10,000/month limit: The no-spread benefit applies only to the first $10,000 liquidated or exchanged in a calendar month.
- Transactions above this threshold may incur standard market spreads rather than Membership Rates.
Out-of-Network Fees:
Out-of-network fees apply when members bring precious metals from outside our established network. These fees are designed to cover the additional costs associated with integrating these metals into our system. Essentially, they help ensure that members can still access the benefits of our services, even if their metals originated elsewhere. Rates vary based on metal type, form, market availability, and volume.
| Transaction Type | Fee |
|---|---|
| Deposit into Spending Account (up to $10,000) | (5%-Market) |
| Deposit into Spending Account ($10,000 - $99,999) | (10%-Market) |
| Liquidation into USD | (10%-Market) |
| Liquidation into USD or Deposit into Spending Account (Above $100,000) | 15% |
Member to Merchant Transaction Fee:
Within the Private network, members may pay merchants for goods and/or services using their metal holdings. A 1% transaction fee may apply depending on the recipient of the funds.
Earnings & Commissions
In addition to our competitive rates and fees, we provide our members with various earning opportunities that further enhance their financial experience. Members can participate in interest-earning lease programs, allowing them to generate income from their metal holdings while retaining ownership. Additionally, our referral commission program rewards members for introducing new clients to Alpine Gold, creating a win-win situation that fosters community growth and engagement. These initiatives are designed to empower our members to maximize their investments and benefit from their connections within our network.
Referral Commissions
Members can earn a commission of up to 2% on Goldback sales and 0.5% on net Gold or Silver Coin sales from members they recruit. The total commission is capped at a maximum of $1,000 per year.
Lease Return Payouts
Lease return payments are the interest earned by members who lease their gold coins or Goldbacks. Members receive fractional monthly payments credited directly to their accounts.
Gold Lease
2.0% APR - Minimum 1 Gold Dollar. Interest paid out in Gold coins. One-year term.
Goldback® Lease
2% - 3% APR - Minimum 10 Goldbacks®. Interest paid out in Goldbacks®. Open-ended term.
- 2.0% APR for amounts between 10 and 30,000 Goldbacks®
- 2.5% APR for amounts between 30,000 and 75,000 Goldbacks®
- 3.0% APR for amounts over 75,000 Goldbacks®
Silver Bullion Lease
2.0% APR. Minimum deposit requirement: 1 ounce. Available with new money deposits only. Interest is paid out in Silver Dollars. One-year term.
Gold Bullion Lease
2.0% APR. Minimum deposit requirement: 0.02 ounce. Interest is paid out in Gold Dollars. One-year term.
Maximize Your Metals
Build trust and security with an online precious metals account today.
You can now earn rewards by sharing your unique referral link. Our referral program offers 0.5% on Gold and Silver coins and 2% on Goldback investments made by your referrals
