Invest in precious metals

 A metal account is similar to a regular bank account, which reflects the amount of precious metal purchased by customers in grams

A metal account is suitable for those who want to diversify their savings and protect their money from inflation. Precious metals tend to increase in value over time, making them suitable for long-term investments.

A metal account is a digital asset that you open in a mobile app. Your money is converted into grams of gold or silver at the current exchange rate, and you can buy or sell metal online at any time. You do not receive the physical metal — it is recorded digitally in your account.

Gold bars are a physical product. You buy real, pure gold bars that you can hold, pass on as inheritance, or melt down into jewelry. They can be bought at bank branches or pre-ordered through the mobile app.

If you value mobility, simplicity, and the ability to respond quickly to market changes — a metal account is the better choice. If you prefer to physically own gold, gift it, or store it — gold bars are the right option for you

You must be at least 18 years old

• High liquidity: You can sell your metal anytime at the current rate via the bcc.kz mobile app.
• Low risk: The selling  price depends on the exchange rate, not the quality of the metal.
• No extra costs: No need to pay separately for storage or transportation.
• Low entry threshold: You can start investing from just 1 gram.

Free opening and maintenance of metal accounts— 0 KZT

During the working hours of the FX-Exchange, you can sell/buy precious metals at the favourable exchange rate of the online platform. Outside the working hours of the FX-Exchange, transactions are executed at the working exchange rate of the bank

The balance of the metal account is displayed in KZT/USD at the FX selling exchange rate

No, you cannot gift gold: you cannot transfer it to another person or purchase it using someone else's account.

No, they are not.

The exchange is completed in the bcc.kz app. Specify the amount of online gold and the desired gold bar weight, select an available denomination, choose a convenient Bank branch, and specify the account for payment.

The Bank sells the required amount of gold from the Client's metal account and purchases a refined gold bar of the corresponding value. The Client pays the difference between the value of the gold sold and the purchase price of the gold bar.

No. The Bank does not charge a fee for this service.

When collecting the gold bar, the Client pays the difference between the selling price of the gold from the metal account and the purchase price of the refined gold bar.

Yes. The final amount payable is determined on the date the gold bar is collected and may vary depending on the Bank's current selling price for gold bars.

The maximum amount of refined gold bars that may be issued is up to 100 grams per day.

Orders are fulfilled within 2–3 business days. Requests are processed on business days from 9:00 AM to 6:00 PM.

Requests submitted after 4:00 PM, or on weekends or public holidays, will be processed on the next business day.

Once the gold bar arrives at the selected Bank branch, the Client will receive a notification with the status "Ready for Collection.”

The ordered gold bar can be collected at the selected Bank branch between 10:30 AM and 6:00 PM.

A discount is available when purchasing gold bars weighing 50 grams or more. The discount amount depends on the Client's bcc plus subscription plan.