Fair Prices. No Hidden Fees.

Choose the plan that fits your investment style. From casual saving to high-volume trading, we have a structure built for you.

Monthly
Yearly
Free
Free Plan

Invest in precious metals without monthly fees. All the essential features for buying, selling, and managing your holdings.

Transfers: Personal IBAN: 1

Transfers: SEPA Transfers

Precious metals: buy & sell

Precious metals: Deposit Accounts: 1

Transfers: Transfer fee: 1 €

€0.00/month
Standard
Standard Plan

Upgrade to unlock better insights, automated savings, and partner benefits. Perfect for frequent tarders who want to grow steadily and save time.

Transfers: Personal IBAN: 1

Transfers: SEPA Transfers

Transfers: Debit Mastercard (Virtual)

Transfers: Apple Wallet / Google Wallet

Precious metals: buy & sell

Precious metals: Deposit Accounts: 1

Precious metals: Storage Fee Discount: -10%

Precious metals: Send to other users

Transfers: Transfer fee: 1 €

€4.90/month
Premium
Most Popular Plan!
Premium Plan

Get the most out of EMAS. Priority support, fee advantages, and exclusive investment tools. Built for serious investors who want complete control and a premium experience.

Transfers: Personal IBAN: 2

Transfers: SEPA Transfers

Transfers: Debit Mastercard (Virtual)

Transfers: Debit Mastercard (Physical)

Transfers: Apple Wallet / Google Wallet

Precious metals: buy & sell

Precious metals: Deposit Accounts: 2

Precious metals: Storage Fee Discount: -20%

Precious metals: Send to other users

Transfers: Transfer fee: 1 €

€14.90/month

Detailed Price Comparison

FEATURESFreeStandardPremium
TransfersTransfers
Personal IBAN112
SEPA Transfers
Debit Mastercard (Virtual)
Debit Mastercard (Physical)
Apple Wallet / Google Wallet
Transfer fee1 €1 €1 €
Precious metalsPrecious metals
buy & sell
Deposit Accounts112
Storage Fee Discount
-10%-20%
Send to other users
Au
Buy/Sell Gold
Buying fee: Spot Timesi
0,00€ (0%)0,00€ (0%)0,00€ (0%)
Selling fee: Spot Timesi
1,00€ (0%)1,00€ (0%)1,00€ (0%)
Buying fee: Night Hoursi
0,00€ (0%)0,00€ (0%)0,00€ (0%)
Selling fee: Night Hoursi
2,00€ (0%)1,00€ (0%)1,00€ (0%)
Buying fee: Weekendi
0,00€ (0%)0,00€ (0%)0,00€ (0%)
Selling fee: Weekendi
3,00€ (0%)2,00€ (0%)2,00€ (0%)
Buying fee: Holidays
0,00€ (0%)0,00€ (0%)0,00€ (0%)
Selling fee: Holidays
9,00€ (0%)8,00€ (0%)7,00€ (0%)
Ag
Buy/Sell Silber
Buying fee: Spot Timesi
0,00€ (0%)0,00€ (0%)0,00€ (0%)
Selling fee: Spot Timesi
0,90€ (0%)0,80€ (0%)0,60€ (0%)
Buying fee: Night Hoursi
0,00€ (0%)0,00€ (0%)0,00€ (0%)
Selling fee: Night Hoursi
1,00€ (0%)1,00€ (0%)1,00€ (0%)
Buying fee: Weekendi
0,00€ (0%)0,00€ (0%)0,00€ (0%)
Selling fee: Weekendi
1,00€ (0%)1,00€ (0%)1,00€ (0%)
Buying fee: Holidays
0,00€ (0%)0,00€ (0%)0,00€ (0%)
Selling fee: Holidays
1,00€ (0%)1,00€ (0%)1,00€ (0%)
Pt
Buy/Sell Platin
Buying fee: Spot Timesi
0,00€ (0%)0,00€ (0%)0,00€ (0%)
Selling fee: Spot Timesi
3,00€ (0%)2,50€ (0%)2,00€ (0%)
Buying fee: Night Hoursi
0,00€ (0%)0,00€ (0%)0,00€ (0%)
Selling fee: Night Hoursi
4,00€ (0%)3,50€ (0%)3,00€ (0%)
Buying fee: Weekendi
0,00€ (0%)0,00€ (0%)0,00€ (0%)
Selling fee: Weekendi
6,00€ (0%)4,00€ (0%)3,00€ (0%)
Buying fee: Holidays
0,00€ (0%)0,00€ (0%)0,00€ (0%)
Selling fee: Holidays
9,00€ (0%)8,00€ (0%)7,00€ (0%)
Pd
Buy/Sell Palladium
Buying fee: Spot Timesi
0,00€ (0%)0,00€ (0%)0,00€ (0%)
Selling fee: Spot Timesi
8,00€ (0%)4,50€ (0%)3,00€ (0%)
Buying fee: Night Hoursi
0,00€ (0%)0,00€ (0%)0,00€ (0%)
Selling fee: Night Hoursi
8,00€ (0%)8,00€ (0%)7,00€ (0%)
Buying fee: Weekendi
0,00€ (0%)0,00€ (0%)0,00€ (0%)
Selling fee: Weekendi
11,00€ (0%)10,00€ (0%)10,00€ (0%)
Buying fee: Holidays
0,00€ (0%)0,00€ (0%)0,00€ (0%)
Selling fee: Holidays
19,00€ (0%)18,00€ (0%)17,00€ (0%)

How EMAS Pricing Works

See exactly what you pay for each EMAS service. Fair prices, no hidden fees.

Registering with EMAS
Sending money
Spending with your card
Receiving money
Service Fee
Holding Gold in your account
Minting Costs
Shipping Costs

Registering with EMAS

EMAS payment account opening (IBAN)
FREE

Sending money

Sending money
€1

Spending with your card

Getting the EMAS debit card (virtual)
FREE
Getting the EMAS debit card (virtual) monthly Management Fee
FREE
Getting the EMAS debit card (physical)
FREE
Getting the EMAS debit card (physical) monthly Management Fee
FREE
Non-active card maintenance, per monthNon-active card is a card with no transactions during the preceding 3 months period.
€1,00
Pay with the EMAS card (Domestic)Spend funds in your balance in the same currency safely online and in-store in the EU Member States, Iceland, Liechtenstein and Norway.
€0,50
Pay with the EMAS card (International)Spend funds in your balance safely online and in-store in countries and territories other than the EU Member States, Iceland, Liechtenstein and Norway.
€1,50 + 1,5%
Apple Payment Wallet Transaction Fee
0.10%
ATM fees (Domestic)Additional costs may be charged when withdrawing cash, these depend on the ATM operator.
€2.00
ATM fees (International)+ 3.00 EUR per withdrawal.
€2.00
Card account statement
FREE
Converting money (Cash withdrawal)In currency other than Card currency.
2.5%
Card activation, blocking and balance request by SMS
€0,10
Card unblocking/PIN unblocking
€0,50
Review of unjustified claim
€25,00
Balance inquiry in ATM
€0,25
PIN change
€0,50
Card reissue/renewal/replacement
€30,00
Card Loading FeeIf you load your card from IBAN.
FREE
Card account statement (confirmed by card issuer)
€5,00

Receiving money

Receiving payments
FREE
Receiving payments from other EMAS users
FREE
Getting account statementFor period within calendar year (per page) confirmed by card issuer
€5,00
Getting account statementFor period in previous calendar years (per page) confirmed by card issuer
€7,00
Getting account statementCopies of payment documents (payment orders, SWIFT, etc.) (per document)
€25,00
Dormant account maintenance, per monthAccount where no payment transactions have been executed over a period of 4 consecutive months. The fee is applicable starting from the fifth month
€1,00
EMAS payment account closing
FREE

Service Fee

Monthly Service FeeThis fee covers all essential features, including support, KYC (Know Your Customer) and AML (Anti-Money Laundering) compliance, an IBAN for transfers, debit cards, and insurance for physical gold storage.
€14,90

Holding Gold in your account

Investing in GoldEnjoy a minimal markup (*Outside trading hours, on weekends, and public holidays, the fee may be higher.)
Spot Price + €1,50
Sell Your GoldBenefit from a small deduction (*Outside trading hours, on weekends, and public holidays, the fee may be higher.)
Spot Price - €2,55
Insurance physical Gold storage
Included in the (14.90€) monthly fee
Gold Storage up to 400 g
Free storage
Gold Storage over 400 g* The storage fee is charged separately as a one-time payment at the end of the year
0.7% per year

Minting Costs

Moulding costs are charged when converting your, physically deposited, digital gold assets into physical bars. These refer to the additional manufacturing costs caused by the specific shape and minting of a precious metal product. Moulding costs, also known as minting costs, are a significant component of the final price of precious metals. Here you will find the list of the minting costs in ascending order according to the weight of the bars.

GRAMSMINTING COSTS
121,2
219,2
518,2
1019,2
2030,4
5035,3
100 Minted + cast60,1
25095,6
500300,5
1000500

Shipping Costs

Product ValueZone 1Zone 2Zone 3Zone 4Zone 5
€ 5.000,00€ 25,00////
€ 25.000,00€ 35,00€ 69,00€ 85,00€ 99,00€ 119,00
Zone 1Zone 2Zone 3Zone 4Zone 5
Up to 1KGUp to 1KGUp to 1KGUp to 1KGUp to 1KG
AustriaGermanyBelgium, Bulgaria, Denmark, France, Greece, Ireland, Italy, Luxembourg, Monaco, Netherlands, Poland, Portugal, Romania, Sweden, Slovak Republic, Slovenia, Czech Republic, HungaryCroatiaEstonia, Spain, Finland, Latvia, Lithuania, Malta, Cyprus

The shipping costs listed here refer to the cheapest shipping option and may vary depending on the selected shipping method and partner. You will always be charged with the actual costs arising.
General price adjustments are possible at any time.