Glint review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Glint suits UK readers who want instant access to a metals balance and a debit card from a mobile app. The monthly fee of £1 sits above the free models nearby, so the case for it rests on access and metals holdings rather than on what the balance pays.
Key facts
- Best for
- Readers who want instant access to a metals balance and a card in the same app.
- Minimum deposit
- £5↗
- Markets
- Metals↗
- Regulators
- Financial Conduct Authority↗
- Investor protection
- FSCS up to GBP 85,000↗
- Currency conversion fee
- 0.9%↗
- Deposit and withdrawal fees
- Bank transfer free↗
- Platforms
- Glint App↗
- Legal entity
- Glint Pay Services Ltd↗
- Headquarters
- United Kingdom↗
- Support channels
- Help-centre↗
- Features
- Mobile app
- Official website
- glintpay.com
Savings
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Moving money in and out is free: Bank transfer free. Access is instant and no minimum withdrawal applies.
- Deposits sit under FSCS up to GBP 85,000, and you can start from £5.
- Spending uses a debit card on the mastercard network, so the balance and the card are one product.
- The account is run from the Glint App and is easy access.
Cons
- The monthly fee is £1, so a quiet balance still costs each month.
- The headline rate is 0% and it is variable, so the account is chosen for access, not for what the balance pays.
- Currency conversion runs at 0.9%, well above the precious metals median of 0.3%, which hurts use abroad.
Who it suits
- UK readers who want instant access to a metals balance.
- Anyone starting small, since the minimum deposit is £5.
- Sterling spenders who want a debit card with the account.
Who should look elsewhere
- Anyone after a rate locked for a set term: the rate type is variable and the headline rate is 0%.
- CFI, which takes a minimum deposit of $0 for readers opening an account with nothing in it.
- Frequent travellers paying in other currencies, since conversion runs at 0.9%.
Rates and card terms
Glint's headline rate is 0% and the rate type is variable, so the advertised figure is not fixed for a set period and can change during the life of an account. A variable rate makes a balance easier to plan around only if you accept the movement. Compare it against providers locking a rate, and check whether holding costs sit inside that figure or are charged separately.
How Glint compares
8.6 vs 9.4
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8.6 vs 8.7
8.6 vs 9.2
8.6 vs 8.7
8.6 vs 8.6
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 9.0
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 9.1
8.6 vs 9.0
8.6 vs 9.0
8.6 vs 9.0
8.6 vs 9.0
8.6 vs 8.8
Where Glint is available
- Available
- United Kingdom
- Licence in United Kingdom
- Financial Conduct Authority, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold a Glint account?+
The account carries a monthly fee of £1, and you need £5 to open it. Bank transfers are free, so paying in and withdrawing costs nothing beyond that monthly fee. Currency conversion is the other charge to watch, at 0.9%.
Is my money protected?+
Deposits sit under FSCS up to GBP 85,000, the same cover stated as FSCS up to GBP 85,000. The account is provided by Glint Pay Services Ltd, supervised by the Financial Conduct Authority. The provider is based in the United Kingdom, so eligible UK deposits sit with a regulated firm.
What rate do I earn on the balance?+
The headline rate is 0% and the rate type is variable, so there is no fixed figure to plan around for a set period. This is a metals account rather than a savings product, so access and holdings matter more here than the rate paid on cash.
How do I deposit and withdraw?+
Deposits and withdrawals by bank transfer are Bank transfer free. Access is instant, you can withdraw at any time and no minimum withdrawal amount applies, so a small balance can be moved out in full. The account kind is easy access.
What card comes with the account?+
You get a debit card on the mastercard network, which suits everyday spending rather than borrowing. The catch is currency conversion at 0.9%, well above the precious metals median of 0.3%, so sterling spending keeps clear of that charge.
Is there an app to manage it?+
Everything is handled in the Glint App, and mobile app is part of the setup. Buying, holding and withdrawing happen in the same place, and FSCS up to GBP 85,000 applies to the account throughout.
Can I lose money on the holdings?+
Metals prices rise and fall, and across precious metals providers a median of 73.6% of retail accounts lose money. Deposit cover of FSCS up to GBP 85,000 relates to eligible deposits, not to the price of the metals held in the account.
Sources
- glintpay.com checked September 26, 2026
Backs: Features, Markets, Platforms, Rate type
“Get the App”
- glintpay.com checked September 26, 2026
Backs: Card type, Card network
“Using the Glint Debit card you can buy a coffee”
- glintpay.com/fees checked September 26, 2026
Backs: Deposit and withdrawal fees, Currency conversion fee, Minimum deposit
“Bank Transfer - Free”
- glintpay.com/terms checked September 26, 2026
Backs: Access terms, Account kind, Deposit protection, Headline rate, Headquarters
“You have the right to withdraw funds from your Glint Account at any time. There is no minimum withdrawal amount”
- help.glintpay.com/hc/en-gb checked September 26, 2026
Backs: Support channels
“Glint Help Centre home page”
- help.glintpay.com/hc/en-gb/articles/15360935488657-Glint-... checked September 26, 2026
Backs: Monthly fee
“Vault Fee (Gold) 0.02%, Minimum £1, Charged monthly in arrears on or around the 1st. The vault fee is £1 or 0.02%, whichever is greater”
- fca.org.uk/news/news-stories/information-customers-glint-... checked September 26, 2026
Backs: Investor protection, Legal entity, Regulators, Licences
“Information for customers of Glint Pay Services Ltd”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Stock trade fee, Account fee, Inactivity fee, Retail accounts that lose money.
Glint
Readers who want instant access to a metals balance and a card in the same app.