Should I buy a small gold bar every month, or use Digital Gold and Silver?

Big Bullion · Published 1 November 2026 · Updated 1 November 2026 · 4 min read

Reviewed by the Big Bullion team, 1 November 2026

Both do the same job, which is putting a fixed amount into gold on a regular schedule. A small bar each month gives you metal in your hands, and Digital Gold and Silver gives you grams in an account that we store for you.

A small bar each month

Each month you buy a bar or coin, pay for it, and collect it or have it delivered. It is yours to keep wherever you like. The smallest pieces cost more above spot for each gram than a larger bar, because the cost of making and handling a bar is spread over fewer grams. You also look after the storage yourself.

Digital Gold and Silver is our savings program. Costs and the smallest top-up are shown on the page once you sign in.

See Digital Gold and Silver

Digital Gold and Silver

You buy a balance in grams of gold or silver. Every gram is backed by the 100-gram bars we hold in stock in Singapore, and the balance is yours. You top up in set amounts. You can swap your grams for a bar from our stock, or sell them back to us at our bid price, the same buy-back price we pay for a bar.

What it costs is shown on our savings page, so we do not print it here. Read it there before you start.

How the two compare

A small bar each month and Digital Gold and Silver, side by side
	Small bar each month	Digital Gold and Silver
What you hold	A bar or coin in your hands	A balance in grams, backed by bars we hold
Where it is kept	With you	In our bar stock in Singapore
Selling part of it	A bar is sold whole	Sell grams back at our bid price
Where the costs show up	In the premium on each bar	On our savings page, once you sign in

Which suits you

If you like holding metal and have somewhere safe to keep it, a bar each month does that. If you would rather not store anything and want to add small amounts, Digital Gold and Silver does that, and you can swap grams for a bar whenever you want one. Some people use both.

This page compares two ways of buying from us. It is not advice on what to buy or when.

Questions we are asked about this

What is the simplest way to put a fixed amount into gold every month in Singapore?

Either buy a small bar or coin each month, or top up Digital Gold and Silver, our savings program. The first gives you metal to keep, and the second gives you grams in an account that we store for you.

Physical bars or an app to buy gold and silver in Singapore?

It depends on whether you want metal in your hands or grams in an account. With a bar you hold and store it yourself. With Digital Gold and Silver, the grams are backed by bars we hold in Singapore, and you can swap them for a bar when you want one.

Can I turn my Digital Gold and Silver grams into a bar?

Yes. You can swap your grams for a bar from our stock at any time.

Can I sell my Digital Gold and Silver grams back to you?

Yes. You sell back at our bid price, the same buy-back price we pay for a bar. The price is fixed when you press Sell.

What does Digital Gold and Silver cost?

What it costs is shown on our savings page when you are signed in. We do not print it in this article.

Sources

Our own Digital Gold and Silver page and its questions (Read 1 November 2026)