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Tax‑free by law
Royal Mint coins are UK legal tender. By law, sales of legal tender are exempt from Capital Gains Tax. No loophole, no wrapper. More of every gain stays with you.
£10,000 placed in Royal Mint gold coins 20 years ago is worth £128,700 today. Every penny of the gain is Capital Gains Tax‑free. Owned outright, professionally graded, delivered insured.
Every figure below is published market data: World Gold Council for gold, FTSE Russell for the All‑Share, and HMRC statute for the tax position.
Source: World Gold Council, FTSE Russell, ONS HPI. 14 May 2006 to 14 May 2026. Past performance does not guarantee future returns.
Bars are taxable. Royal Mint coins aren't. Bars trade at spot. Royal Mint coins trade above it.
Royal Mint coins are UK legal tender. By law, sales of legal tender are exempt from Capital Gains Tax. No loophole, no wrapper. More of every gain stays with you.
Every coin is graded by NGC, the international grading standard. Sealed in a tamper‑evident slab with a unique cert ID. Buyers worldwide can verify it without opening it.
Free insured delivery, or 12 months free storage.
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While you're here:
Type any starting amount. See what it became, in physical gold versus the FTSE All‑Share versus UK housing, over the last 20 years.
Gold returned 4.8× more than FTSE, 15.0× more than UK housing.
14 May 2006 to 14 May 2026. Source: World Gold Council, FTSE Russell, ONS HPI. Past performance does not guarantee future returns. How this is calculated →
20‑page brief, delivered to your inbox in minutes. No obligation. Takes 30 seconds.
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Tax treatment, NGC grading, 20‑year performance and process. Read on any device, in your own time.
Reply to the email when you're ready to talk specifics. We'll prepare a shortlist of Royal Mint coins matched to your goals.
Graded coins arrive in tamper‑evident packaging, fully insured. Or we arrange secure third‑party storage.
UK Capital Gains Tax does not apply to the sale or transfer of UK legal tender. All Royal Mint gold coins (Sovereigns, Britannias, and commemoratives minted as legal tender) carry a face value and qualify. This is a statutory exemption, not a wrapper or scheme.
For a higher‑rate taxpayer holding a £100,000 position, that means a hypothetical 100% gain creates £0 of CGT, whereas the equivalent gain on shares or property could attract a meaningful tax bill. Worked examples are in the brief.
Bars trade close to spot price and carry essentially no secondary premium. Graded coins certified by NGC carry an additional resale premium tied to grade, mintage and condition, on top of their gold value. That premium is what allocators are paying for, and it is what tends to make the holding worth more than the metal alone over time.
Bars also need re‑assay on resale. Graded coins are sealed and certified, with provenance you can verify in any major market without sending them off to be tested.
We start at £5,000. Most first positions sit between £25,000 and £100,000, usually as a diversifier from equities or property. £250,000+ positions are common.
Below £5,000 a high‑street dealer will serve you better. The consultative model only earns its keep from £5k up.
Two options, both free. Most clients take physical delivery: coins ship in tamper‑evident packaging, fully insured in transit, signed for at handover. Home storage is straightforward at this scale (graded coins are very compact), and the guide walks through which home‑insurance riders most clients use.
The alternative is third‑party vault storage at a regulated UK facility. The first 12 months are free, with full audit, segregation, and insurance included. After that it's billed annually. The brief walks through the trade‑offs.
Two routes. Bullion Club operates a buy‑back service at current market price (less a transparent dealer spread). Or, because each coin is graded and authenticated, you can sell into any global precious‑metals or numismatic market without re‑testing.
This is the practical case for graded coins: liquidity at the time you actually need it, without the friction of bars.
No. Physical gold is unregulated in the UK and not covered by the Financial Services Compensation Scheme. The value can go down as well as up, and past performance does not guarantee future returns.
What we offer instead is direct ownership of a physical, certified, fungible asset, with the regulatory and tax treatment that comes with UK legal tender. The full regulatory framing is laid out in the guide.
Still want the full picture? The brief covers each of these in depth.
Request the Gold Investment GuideThe Gold Investment Guide is free. 20 pages on tax treatment, grading, performance, storage and process. If gold isn't the right fit for your portfolio, the guide will make that clear.
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