Capital from as low as
RM100 — start with a small amount
GAP 24K Account
Gold SavingsWith High Flexibility.
The Gold Accumulation Program (GAP) account is one way to save 999.9 (24K) purity gold little by little, from just RM100, online.
With better convenience and flexibility — buy, sell and redeem physical gold any time through your GAP account.
GAP Account Benefits
Auto-debit system
Easier, more consistent
Suitable for everyone
Students, employees, entrepreneurs, and more.
How Does a GAP Account Work?
1
Register
Open a GAP account under your own name
2
Save
Save according to your choice
3
Accumulate
Accumulate gold over time
4
Use / Sell
Redeem physical gold or sell back
Gold Savings Like a Bank Account
The concept is the same as an online bank account, except a GAP account shows your savings in grams of gold while a bank account shows savings in ringgit.
Public Gold also offers a SAP Account — Silver Accumulation Program, an online silver account.
- Start buying physical gold online with a minimum budget of RM100
- No mandatory monthly purchase — buy & sell any time
- Buy 1 gram, it stays 1 gram in your account even if the price changes
- Redeem physical gold from 0.5 gram up to 1 kilo
Why GAP
8 Benefits of a GAP Account
- Suits savers with a small but regular budget (e.g. RM100 every month).
- Suits savers who do not dare to save on their own.
- No age limit; children's accounts can be opened from birth.
- Buy/sell online from anywhere.
- Save gold for free. No monthly fees and no hidden charges.
- Redeem physical gold flexibly, from as little as 0.5 gram.
- The GAP/SAP account is Shariah-certified – supervised by the Amanie Advisors Sdn Bhd Shariah panel.
- Savers can pawn GAP gold through Ar-Rahnu online any time and anywhere if they need money urgently.
Calculation Example
GAP Gold Purchase
GAP gold prices are updated daily at 12am. For example, on 12 March 2022 the gold price was RM287/gram.
So if you buy gold at RM287 on that day, you receive 1 gram of gold. If you buy RM100, you receive 0.3484 gram.
Buying GAP gold grams through the Public Gold app uses the FPX payment method as follows:
- Choose Gold - GAP or Silver - SAP purchase.
- Choose Payment Method FPX or Auto Debit (for monthly deductions).
- Enter the amount or grams you want to buy.
- Tick "I Agree".
- Click "Place Order".
| Current GAP price | RM587 / gram |
|---|---|
| RM100 payment | 0.1704 gram goes into your account |
| Payment method | FPX — almost every bank in Malaysia |
| Price update | Daily at 12.00am · latest 21-Oct-2026, 6:00 am |
In Short
GAP Account Quick Notes
- After registering, you can log in using your IC Number (without dashes) as the Username and Password.
- You can make your first purchase from just RM100 with no monthly commitment. After the first purchase, a PG Code member number is generated. You can then log in using Username: PG Code.
- No registration fee, no savings limit, no storage fee, no maturity period and no expiry date.
- You can sell or pawn the gold in your account through the system.
- You can use the auto debit feature to save every month.
Advanced Guides
GAP Account Tutorial
Auto Debit
Save automatically every month — bank money is deducted and converted to gold in your GAP account.
GAP Gold Pawning (Ar-Rahnu)
When you need money urgently, pawn your GAP gold online through Ar-Rahnu.
First Purchase
Not registered yet? Follow 4 simple steps to start your gold savings.