Gold Accumulation Program (GAP)

The Gold Accumulation Program (GAP) account is a method of storing 999.9 (24K) pure gold in small increments as low as RM100 online.

The concept is the same as an online bank account, the difference is that the GAP account displays gold gram savings while the bank account displays ringgit savings.

Public Gold also provides the SAP Account - Silver Accumulation Program, an online silver account.

8 Advantages of the GAP Account

• Suitable for savers with a small but continuous budget (e.g. RM100 per month).
• Suitable for savers who are not afraid to save themselves.
• No age limit, accounts for children can be opened as early as birth.
• Can be sold/bought online anywhere.
• Store gold for free. No monthly fees and no hidden charges.
• Can redeem physical gold flexibly, as low as 1 gram.
• GAP/SAP accounts are certified syariah-compliant - monitored by the Amanie Advisors Sdn Bhd syariah panel.
• Savers can make GAP Ar-Rahnu gold leases online anytime and anywhere if they need money urgently.

2 Ways to Open a GAP Account

1. Register for a Gold Accumulation Program (GAP) Account for free here, or
2. Get help from a legitimate Public Gold dealer here.

Download the Public Gold app to make it easier for you to buy and sell gold through a GAP account

Purchasing GAP

GAP gold prices are updated every day at 12am. For example, the gold price on April 7, 2025 is RM471/gram.

Therefore, if you buy gold for RM471 on that day, you will receive 1 gram of gold.

If you buy RM100, you will receive 0.2123 grams.

Purchasing a gram of GAP gold through the Public Gold app uses the FPX payment method as follows:

GAP Account Brief Notes

1. 1. After registration, you can log in using your KP Number (without dashes) as your Username and Password.
2. 2. You can make your first purchase as low as RM100, no monthly commitment. After your first purchase, a PG Code member number will be generated. You can log in using Username: PG Code
3. 3. No registration fee, no savings limit, no savings fee, no maturity period and no expiration date.
4. 4. You can sell or lease gold in the account through the system.
5. 5. You can use the auto debit function to save every month.