# Saving in gold from 10 euros: the Plan Épargne Or (Gold Savings Plan) is open

Published on 12 November 2026. The editorial team of Gold & Silver Company.

**30 seconds with the Plan Épargne Or.** From 10 euros, each card payment becomes grams of gold at the Plan Price, equal to the official spot price plus 1.5 percent, displayed before each payment. No direct debit, no set-up fees, no calendar: you pay in at your own pace, and your average acquisition price smooths out entry after entry. A gauge in the shape of a gold bar fills up; at the 5-gram threshold, three paths: insured delivery, numbered vault custody, or continuing at no cost. The bar is made to order, struck and numbered in the Dottignies refinery, approved by the Royal Mint of Belgium. The gold belongs to you from the first payment, as an undivided share of an allocated and segregated stock, held in custody by the house without ever being lent or used.

Physical gold has always had a high entry point. A 5-gram bar costs several hundred euros, a Napoleon coin even more: for many, saving in gold began the day one could devote a significant sum to it, and not before. In our experience on the ground at Gold & Silver Company, it is the most frequent question from visitors who do not dare to walk through the door: “with a small budget, is it worth it?” [The Gold Savings Plan](https://goldandsilvercompany.com/gold-savings-plan/) is our answer, and it fits in one sentence: from 10 euros, you build up an acquisition of physical gold, gram after gram, at your own pace.

## Saving in gold from 10 euros: no direct debit, no calendar

The principle breaks with conventional savings plans. Here, no direct debit, no imposed monthly instalment, no date to remember: you invest by bank card, only when you decide to. Ten euros today, fifty next month, nothing for three months if life so decides: the Plan waits for you. A monthly email reminder, from which you may unsubscribe freely, serves as the only appointment.

Each payment is converted into grams at the Plan Price, equal to the official spot price plus 1.5 percent, clearly displayed before each payment, alongside the [live gold price](https://en.goldandsilvercompany.com/gold-price). No set-up fees, no subscription, no hidden line: the price per gram is the price of your acquisition. And the account is kept to the ten-thousandth of a gram, in your client area.

And this free rhythm carries an advantage that market regulars know well: buying in several instalments means buying at several prices. The gold price rises and falls; whoever pays in over time sometimes buys higher, sometimes lower, and their average acquisition price smooths itself out, entry after entry. Nobody can guess the right moment, not even us: paying in at your own pace spares you from having to guess it. And each new entry refines the average a little more.

## The gauge: a bar that fills up before your eyes

Your savings have a face, and it is a gold bar. With each payment, the metal rises inside the silhouette of a bar that fills up on screen, from the first 5-gram threshold up to the kilo for the most patient. This is not a metaphor: behind the gauge, every gram recorded corresponds to real gold, held as an undivided share of a stock that is allocated and segregated from the house's commercial stock, of which the house is merely the custodian. This gold is neither lent, nor pledged, nor used: it rests in our [vault rooms in Dottignies](https://en.goldandsilvercompany.com/safe-deposit-box-rental), and it belongs to you.

As soon as the gauge reaches a threshold, three paths open up, and you are the one who chooses. Insured home delivery: your bar is struck on demand in the workshops of [our refinery](https://en.goldandsilvercompany.com/refinery), 45 euros, plus 0.5 percent of the value of the parcel, with a minimum of 20 euros. Numbered vault custody: 45 euros for striking the bar, plus 120 euros per year and per client, whatever the number of bars held in custody. Or continue, at no cost whatsoever, towards the next threshold: the gauge widens, the acquisition grows.

## A bar struck for you, not taken from a shelf

This is the signature of the house, and no gold savings plan can offer it without being a refinery: your bar does not yet exist at the moment you are saving. It will be made to order, in our workshops, struck and numbered in your name, like the [certified bars](https://en.goldandsilvercompany.com/certified-gold-bars) that come out of our crucibles every week under the approval of the Royal Mint of Belgium. Between the first payment of 10 euros and the bar handed over in person, there is no intermediary: the same house collects, holds, strikes and delivers.

The rules of the game are stated with the same clarity: every purchase is firm and final, with no return and no right of withdrawal, as the gold price fluctuates continuously, and this is recalled and accepted before each payment. And until the first bar is reached, no withdrawal and no refund: savings are built up, they are not switched on and off. If the first threshold were not reached at the end of five years, you choose between the buyback of your grams at the reference price or a bar of a smaller size. Nothing is lost, everything is stated in advance.

## A client area without a password, a house behind it

The client area opens from your email address: one button, one login email, and you are in, nothing to memorise. There you follow your gauge, your payments, your invoices, each issued automatically. And behind the screen, the house remains the house: the Dottignies branch answers the telephone from Monday to Saturday, [Aurore, our online advisor](https://goldandsilvercompany.com/gold-online/), sheds light on bars and coins at any hour, and [the Gold Guide](https://en.goldandsilvercompany.com/gold-guide) gathers the reference points for those who want to understand before saving.

Gold is not promised, it is proven. The Gold Savings Plan promises neither a return nor a miracle: the value of your grams follows the gold price, in one direction as in the other. What it proves is something else: that with 10 euros and steadiness, physical gold, the real kind, the kind that is weighed and engraved, is no longer reserved for those who start big.

## Frequently asked questions about the Gold Savings Plan

### Can you really start saving in gold with 10 euros?

Yes, and this is the heart of the Plan: the first payment, like all those that follow, is made from 10 euros, by bank card, at the moment you choose. The “Other” field accepts any free amount above that. Every euro paid in is converted into grams at the Plan Price of the moment, equal to the official spot price plus 1.5 percent, and credited to your account to the ten-thousandth of a gram. There is no imposed monthly amount and no penalty for irregularity: some pay in every month, others as their means allow. The gauge, for its part, never goes down: each payment adds to the previous ones, up to the threshold. Everything begins on [the Gold Savings Plan page](https://goldandsilvercompany.com/gold-savings-plan/).

### Is there a direct debit or a fixed-term commitment?

No, and this is a deliberate choice by the house: no SEPA direct debit, no payment commitment, no calendar. The Plan works on your initiative alone: you pay in when you decide, by card, from the Plan's page or your client area. A monthly email simply recalls the price of the day and the state of your gauge, and you can unsubscribe from it in one click. This freedom has a clear counterpart, stated in advance: before the first bar, the grams accumulated cannot be withdrawn or refunded. The savings move forward, they do not move back.

### Is it better to pay in a lump sum or little by little?

Both are practised, and the Plan imposes nothing. But paying in little by little carries a mechanical virtue: each payment is converted at the Plan Price of the moment, so that your average acquisition price becomes the average of all your entries. In the months when [the price](https://en.goldandsilvercompany.com/gold-price) is high, your euros buy slightly fewer grams; in the months when it is low, slightly more. Entry after entry, the average smooths out, and you are spared the question that paralyses so many savers: is this the right moment? When you pay in at your own pace, the right moment is yours.

### Who owns the gold before the bar is handed over?

You do, and the mechanism is written into our terms and conditions: from each payment onwards, you hold an undivided co-ownership share of a stock of real gold, allocated and segregated from the company's commercial stock, of which the company is merely the custodian. This gold is pooled among the Plan's clients, but your ownership, expressed in grams, is never pooled with the house: it is neither lent, nor pledged, nor used. At the threshold, your bar is struck on demand and numbered in your name. This is the fundamental difference from a “gold account”: you are not the creditor of a promise, you are the owner of a metal.

### What happens when the gauge reaches 5 grams?

Three paths open up, at your choice. Insured home delivery: the bar is struck on demand for 45 euros, and the insured parcel reaches you for 0.5 percent of its value, with a minimum of 20 euros. Numbered vault custody, in our [vault rooms in Dottignies](https://en.goldandsilvercompany.com/safe-deposit-box-rental): 45 euros for striking the bar, plus 120 euros per year and per client, whatever the number of bars held in custody. Or continue, at no cost at all: the gauge sets off again towards the next threshold, 10 grams, 20 grams, and so on. All these fees are displayed inclusive of all taxes.

### Aren't the initial 10 euros eaten up by fees?

No, because there are no entry fees: no set-up fees, no subscription, no monthly minimum. Your 10 euros are converted into grams at the Plan Price, the official spot price plus 1.5 percent, the Plan's only margin, displayed before each payment. Since investment gold is exempt from VAT, nothing is added to it. The only fees that exist arise at the threshold, and only if you choose delivery or the vault: the striking of the bar and its shipping or its custody. Those who choose to continue towards the next threshold pay nothing at all.

### How do you resell the gold from the Gold Savings Plan?

The natural path goes through the bar: once the threshold is reached and your bar struck, you keep it or sell it freely, like any physical gold, and a refinery buys back what it has made, at the price of the day, all year round, at the Dottignies branch. If, at the end of five years, your gauge has not reached the first threshold, two doors open: the buyback of your grams at the reference price, or a bar of a smaller size. In every case, the exit is written in advance in the Plan's terms and conditions: nothing depends on a favour, everything is provided for. When the time comes, [selling your gold in Belgium](https://en.goldandsilvercompany.com/sell-your-gold-belgium) is handled at the very same desk.