Gold Evolution is a Singapore-based gold savings platform offering fractional physical gold aligned with Shariah values. We believe everyone deserves access to the world's most trusted store of value — no matter how small you start.
Every gram of gold is individually allocated to your name, backed by physical 999.9 fine LBMA-approved gold, and redeemable at any time.
Chief
Nazrul
Gold Evolution Pte Ltd
"I spent 15 years working hard and still struggled to build real savings. Gold changed that for me — and I want it to change that for our community too."
Like many in our community, I spent over 15 years as a full-time employee giving my best at work every single day — yet my savings never seemed to grow. It was not until I discovered gold savings that things began to shift. Saving in gold forced a discipline in me that a regular bank account never could. Slowly, my financial habits changed, and for the first time, I felt my wealth genuinely growing.
That personal experience opened my eyes to a much bigger reality: many in our community lack the knowledge and exposure to proper savings habits — let alone how accessible gold savings can be. You do not need a large capital to start. You just need the right platform and the right guidance.
Gold is not a speculation — it is an asset that has preserved wealth for thousands of years. Unlike money sitting in a savings account losing value to inflation, gold holds its worth and often grows. For our community especially, it aligns with the Islamic principle of preserving what you have earned.
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Our Vision
Gold Evolution is our step into entrepreneurship — but more than a business, it is a mission. We want to change lives, and then watch those lives change more lives. A chain effect of financial empowerment, starting right here in Singapore.
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Regulated & Compliant
Registered Regulated Dealer under Ministry of Law Singapore (PSPM Act 2019) Reg. No. PS20240000362
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Aligned with Shariah Values
Our model is designed following AAOIFI Shariah Standard No. 57, and we are actively working towards formal Shariah certification.
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100% Physically Backed
Every gram you purchased is backed by LBMA physical gold. You own part of the physical gold.
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Singapore Based
60 Paya Lebar Road #06-28, Singapore 409051
Licensed & Verified
Our registration and business identity are independently verifiable. Tap a certificate to view it in full.
🏛️ Ministry of Law — Regulated Dealer
Registered under the Precious Stones and Precious Metals (PSPM) Act 2019. Reg. No. PS20240000362
Valid 5 Nov 2025 – 4 Nov 2026
UEN 202443296N
Regulated for the prevention of money laundering, terrorism financing and proliferation financing only. The Ministry of Law does not audit, supervise, certify, approve or endorse Gold Evolution, and this registration must not be taken as any such endorsement.
✅ Scam.SG — Verified Business
Independently verified as a legitimate, operating business registered in Singapore. Certificate No. SGV-2026-08182
Verified 27 Aug 2026
UEN 202443296N
Save from as little as S$50 via PayNow. Gold is allocated to your name immediately upon payment confirmation. Watch your balance grow gram by gram at live gold prices.
• Min. S$50 · PayNow · Instant Allocation
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Physical Gold Bar Purchase
Buy physical gold bars (2.5g, 5g, 10g and more) at live market prices. Delivered securely to your door or available for collection at our office.
• Available: 2.5g, 5g, 10g bars & more · Live pricing · 3–5 business days delivery
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Gold Buyback
Sell your gold back anytime via the platform. No lock-in period. Proceeds transferred to your bank account within 2 business days.
• Sell via the platform · Payout within 2 business days
Physical Gold Bars
999.9 fine gold bars from LBMA-approved refiners, at today's live prices. Browse freely — create a free account to purchase (a quick ID check is required to buy).
Gold Savings Knowledge
Practical guides and honest insights on saving in physical gold — the Shariah-aligned way.
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What our customers are saying.
★★★★★
"Simple and transparent. I started with S$50 and now I have over 2g allocated to my name. The process is seamless and the team responds quickly on WhatsApp."
Ahmad R. · Singapore
★★★★★
"Finally a halal way to invest in gold. No riba, physical gold in my name, and I can redeem anytime. Highly recommended for Muslim investors."
Nurul H. · Singapore
★★★★★
"I bought a 1g gold bar as a gift for my son. Delivery was prompt and the bar came beautifully packaged. Will definitely buy more."
What happens to my gold if Gold Evolution closes down?
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Your savings are real, physical gold — not a loan to us or a paper IOU. Every gram is allocated to your name and backed one-for-one by physical 999.9 gold we hold, and we deliberately hold more physical gold than the total owed to all customers.
The strongest safeguard is in your hands: once you reach the minimum for a bar, you can convert your savings into a physical gold bar and take delivery yourself — so you're never dependent on us continuing to operate. We're also a Registered Dealer regulated under Singapore's Ministry of Law (UEN 202443296N).
To be straight with you: we're a gold dealer, not a bank — so gold savings aren't covered by SDIC deposit insurance (and neither is gold bought through a bank). The protection is the physical metal itself, held in your name. How your gold is protected →
How do I know my savings are actually backed by physical gold?
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You don't have to take it on faith. You can log in any time to see the exact grams allocated to you plus an invoice for every transaction, and — the strongest proof of all — you can convert to a physical bar and take delivery yourself. If the gold weren't there, you couldn't withdraw it.
What backs your savings is specific 999.9 fine gold bars with their own assay certificates and serial numbers, kept in a Certis CISCO Safe Deposit facility at Paya Lebar and held separately from the money we run the business with. We can share the bar and storage documentation on request.
Being straight about audits: we don't yet publish regular independent third-party audit statements — that's the next step on our transparency roadmap. Until then, you can verify your own holdings, take delivery, and ask us for documentation anytime. How you know the gold is really there →
How does Gold Evolution earn from this business?
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We earn a small, transparent margin on the gold — much like a money changer earns on currency. We buy physical gold at wholesale cost and sell it a little higher, and you always see both the buy and sell-back price up front, so there are no hidden fees. There are also small fees when converting savings into a physical bar or arranging delivery.
Our interest is aligned with yours. We do not earn from the gold price going up or down, and we never lend out or speculate with your gold — every gram is physically held. Our income only grows as more people save with us, so we do well only when our savers do. 🤝
How long does it take to receive payment after I sell my gold?
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Once your sell (buyback) request is approved, we aim to pay out on the same day, and always within a maximum of 2 business days. Your payout goes to the bank / PayNow details saved in your profile — so please make sure those are up to date before you sell.
Your gold stays yours until we pay you. The sale only concludes when the payout is made — the gold and the money change hands together. Until then it's just a pending request and your gold remains held in your name (you could take physical delivery instead). This keeps every sale Shariah-aligned — settled hand-to-hand, never on credit.
What is a gold spread, and why is there one?
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The spread is the small difference between the price to buy gold and the price to sell it back. It's a normal feature of dealing in physical gold and is standard across the industry.
In short, it reflects the real-world costs of holding physical gold securely on your behalf — so that every gram remains genuinely backed. It also lets us keep pricing simple and transparent, with no hidden fees: the buy and sell-back prices are always shown to you up front, before you confirm anything.
Built for the long term. Because Gold Evolution is designed for long-term saving, the spread is a one-time consideration that matters less the longer you hold, as your gold grows with the gold price. 📈
Why gold, and not stocks, ETFs or REITs?
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It's not really gold instead of them — it's gold alongside them. They do different jobs. Stocks, ETFs and REITs are geared towards growth and income; gold is about stability and preserving value.
A few reasons people hold physical gold as part of a balanced plan:
1
A store of value. Gold isn't tied to any company's performance or debt, and has held its purchasing power over the very long term.
2
A cushion for the rest of your savings. Gold often holds steady when markets are shaky, so it can balance out a portfolio.
3
Simple from a Shariah lens. Physical gold is a real, tangible asset with straightforward ownership and no interest (riba). Stocks and REITs need ongoing Shariah screening and can drift out of compliance, and many conventional REITs use interest-based financing. (A gold ETF is only a paper claim — with us the gold is physical, 999.9, and allocated in your name.)
4
Easy to start. No need to study companies or time the market — begin from just S$50 and build steadily.
Being fair: gold pays no dividend or rental income, so it's a wealth preserver rather than a yield generator. Many people hold both — growth assets to build, and gold for stability. We're simply the easy, Shariah-aligned way to hold the gold part.
This is general information, not financial advice — everyone's situation is different, so please decide what's right for you.
I've saved for 12 months — what should I do next?
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That's entirely up to you — there's no lock-in, no maturity date, and your gold never expires. You have three options, and you can even mix them:
Keep saving — leave your gold where it is (fully backed and allocated to you) and keep building. Many customers treat it as a long-term store of value.
Take physical delivery — convert your accumulated grams into a physical gold bar, delivered to you or collected at our office.
Sell back for cash — sell any or all of your grams at the current buyback price, paid to your registered bank account (same day where possible, max 2 business days).
There's no single "right" answer — it depends on your goal. Saving for the long term? Keep going. Want the bar in your hands? Convert it. Need the cash? Sell. You're free to do a bit of each.
Is Gold Evolution aligned with Shariah values?
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Important Disclaimer: Gold Evolution is not yet Shariah certified by a formal Shariah supervisory board. However, we are deeply committed to operating our business model as closely as possible to Shariah principles, with ongoing guidance from an Ustaz. We are actively working towards obtaining formal Shariah certification.
Yes. We have designed Gold Evolution to be as closely aligned with Shariah values as possible — no riba (interest), no paper gold, no derivatives, no leverage. All gold is physical 999.9 fine gold, individually allocated to your name (qabdh) upon payment confirmation, with reference to the principles of AAOIFI Shariah Standard No. 57.
What Shariah principles does Gold Evolution aim to follow?
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Disclaimer: We are not yet Shariah certified. The standards below represent the principles we strive to uphold and operate as closely as possible to.
1. AAOIFI Shariah Standard No. 57 — Gold & its Contemporary Applications
The Accounting and Auditing Organisation for Islamic Financial Institutions (AAOIFI) standard governing the buying, selling, and saving of gold. We aim to follow its requirements for physical ownership, immediate exchange, and prohibition of paper gold or gold-backed derivatives. [aaoifi.com ↗]
2. OIC Fiqh Academy Resolutions on Gold Trading
Rulings from the International Islamic Fiqh Academy (IIFA) confirm that gold must be traded on a spot basis (hand-to-hand / yad bi yad). All purchases on Gold Evolution result in immediate allocation — no deferred delivery or futures contracts. [iifa-aifi.org ↗]
3. Qabdh (Constructive Possession)
Upon payment confirmation, your gold grams are immediately allocated to your account — satisfying the requirement of qabdh before you have full rights over the gold. The Prophet ﷺ said: "Do not sell what you do not have." Physical delivery or sell-back is available at any time. [Abu Dawud 3503 ↗]
4. No Riba (Interest)
We charge no financing fees, no interest on balances, and no borrowing against your gold. Allah says: "Allah has permitted trade and forbidden interest." All transactions are straightforward cash-for-gold exchanges.
[Quran 2:275 ↗][Quran 2:278–279 ↗][Quran 3:130 ↗]
5. No Gharar (Excessive Uncertainty)
Pricing is transparent and based on live international spot rates. The Prophet ﷺ "forbade transactions involving gharar (uncertainty)." You see the exact gram price and total before confirming any order — no hidden charges or ambiguous structures. [Muslim 1513 ↗]
6. No Maysir (Speculation / Gambling)
Gold Evolution does not offer leveraged trading, margin accounts, or any speculative gold products. Allah says: "O believers! Intoxicants, gambling... are abominations... so avoid them." Every gram you purchase is backed by real physical gold. [Quran 5:90 ↗]
7. Bay' al-Sarf (Rules for Trading in Monetary Commodities)
As gold is a ribawi commodity, it must be exchanged hand-to-hand (yad bi yad) with no deferment. The Prophet ﷺ said: "Gold for gold, weight by weight, equal for equal — hand to hand. If the types differ, sell as you wish, so long as it is hand to hand." Our platform allocates gold only after payment is received and verified. [Muslim 1587 ↗]
8. 999.9 Fine Physical Gold Only
We deal exclusively in 999.9 purity (24-karat) physical gold bars from LBMA-approved refiners. No synthetic gold, no ETFs, no paper certificates — only real, tangible gold. This ensures the exchange involves a known, defined commodity as required in Shariah for valid bay' (sale).
9. Individual Allocation
Your gold is tracked individually under your name — it is not pooled or co-mingled without traceability. This upholds the Shariah requirement that ownership (milkiyyah) must be clearly defined and attributable to the buyer, consistent with the qabdh principle above.
We are committed to pursuing formal Shariah certification and will announce it to all customers when achieved. For Shariah enquiries, please contact us at hello@goldevolutionsg.com.
How do I know my gold won't be given to someone else?
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Your gold cannot overlap with another customer's because of how our ledger system works:
1
Individual ledger records. Every gram you own is recorded under your name in our secure database. No two customers share the same allocation record.
2
Total customer gold ≤ Physical gold held. We maintain a real-time reconciliation check: the sum of all customer gold allocations must never exceed the total physical gold bars we physically hold. This is our core solvency rule.
3
No new gold is allocated without a physical purchase. We only add gold to our inventory when we physically acquire bars from suppliers. Your allocation is drawn from that physical stock — not created from thin air.
4
Bar-level tracking. Our system assigns your grams to specific bar serial numbers. You can request to know which bar(s) back your allocation at any time.
Think of it like a bank vault: the vault holds 1,000g of gold, and each customer's passbook says exactly how many grams they own. The total of all passbooks cannot exceed 1,000g — that is how we guarantee no overlap.
What is the minimum savings amount?
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You can start saving from just S$50, paying by debit card or PayNow. Each deposit adds fractional grams to your gold balance, which you can track in real-time on your dashboard.
Can I withdraw my gold physically?
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Yes. Once your savings reach a full bar milestone (2.5g, 5g, 10g, or 100g), you can request physical delivery or collection. Alternatively, sell conveniently via the platform at any time.
Is Gold Evolution regulated?
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Yes. Gold Evolution Pte Ltd is a Registered Regulated Dealer under the Ministry of Law Singapore (PSPM Act), UEN 202443296N. We comply with all applicable AML/CFT regulations.
Where is my gold physically stored?
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All physical gold is stored at Certis Safe Deposit Box, a trusted secure storage facility in Singapore. Each bar is individually allocated and recorded to your account. Your allocation certificate, accessible in the app, serves as proof of your specific holding.
Can I sell my gold to someone else or on an open market?
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It depends on what you own. If you have purchased a physical gold bar, it is your property and you are free to sell it to anyone — another dealer, a jeweller, or on any open market. However, the accumulated grams held on this platform (digital allocation) can only be sold back to Gold Evolution. We operate a buyback-only model for digital gold — we are the sole buyer at our posted buyback rate, which is based on the live spot price. The buyback rate is always visible in the app before you confirm any sale.
How do I pay?
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Card payments are debit-card only. Credit cards are declined — this keeps your purchase free from interest-based (riba) financing, in line with our Shariah commitment.
You can pay by debit card or PayNow:
Debit card — pay instantly online; your gold is allocated automatically once payment succeeds.
PayNow — scan the QR / pay to UEN 202443296N and upload your proof; our team verifies and allocates your gold, usually within 1 hour.
Monthly savings plans are charged automatically to your debit card each month.
Can I save automatically every month?
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Yes — set up a monthly savings subscription and we will automatically buy gold for you every month using your debit card. It takes the decision out of saving: no more wondering each month whether to put money aside — it simply happens for you, helping you build your gold steadily and benefit from dollar-cost averaging over time. You can change or cancel anytime from your profile, and billing stops immediately.
Thank you for your payment. We have received your order and it will be processed within 1 hour.
Order Reference
—
What happens next?
Our team will verify your PayNow payment (UEN 202443296N) and allocate your gold within 1 hour. You will receive a confirmation once your gold has been allocated to your account.
Start saving in physical gold today. Takes less than 2 minutes.
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Tap to upload NRIC front / Singpass screenshot / Passport photo page
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Tap to upload NRIC back / second page
Enter the referral code of the person who introduced you — check with them if you're not sure. Don't have a referrer? Just enter GE0000001 to sign up under Gold Evolution directly.
✉️
Check your email
Your account has been created. Please verify your email address to activate your account.
Sent to: —
Your Referral Code
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Share this code with friends to earn referral rewards.
Account Recovery
Reset password
Enter your registered email address. We'll send you a link to reset your password.
Value shown is at the current buyback price — the amount you'd receive if you sell today. It's lower than the buy price by our margin, so a new purchase may show below cost until gold rises.
Your Allocated Bars
Children's Savings
Gold you've earmarked for your children — part of your balance above, held under your account.
Parents' Savings
Managing gold for your elderly parents? Earmark part of your balance for them — held under your account, just like children's savings.
My Savings Goals
Split your gold into goals like Hajj, a home, or an emergency fund. It's just a way to organise your own balance — no gold moves.
LBMA · 999.9 Fine
Buy Physical Gold
View our gold bar catalogue →
🏅
Use Your Gold Balance
Convert to Physical Gold
Redeem your grams for a real gold bar →
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Turn Gold Into Cash
Sell Your Physical Gold
Sell gold bars you already own to us →
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Islamic Finance
Zakat Calculator
Estimate your annual gold zakat →
☪️
Exclusive Opportunity
Become an Agent
Earn referral bonuses · Invite friends →
🤝
⏳ Agent Application Pending
Your application is under review. We'll activate your account within 1 business day.
Agent Dashboard
Your Agent Summary
STARTER
▾
0
Customers
S$0
Referral Bonus
1.0%
Rate
💰 Commission wallet · available
S$0.00
Earned S$0.00 · Pending S$0.00 · Withdrawn S$0.00
Your referral bonus is added here after each month closes. Request a withdrawal on the 1st–7th of each month (min S$20) — we'll pay it to your saved PayNow/bank.
Total sales this monthS$0.00
Starter → CaptainS$0 / S$20,000
Reach S$20,000 in referred sales (12 months) for Captain tier
Your Referral Link
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📚 Compliance Training
✓ All cleared
Required before referring customers — complete the AML/CFT & CDD modules.
📁 Agent Resources
Download the handbook and the platform deck to share with your referrals.
Your referral bonus counts as income in Singapore, so it may be taxable — but many agents won't pay any tax on it.
You only start paying income tax once your total income for the year is above S$20,000 (the first S$20,000 is taxed at 0%). Above that, normal rates apply.
We pay you the full amount — no tax is deducted. It's up to you to declare your referral bonus to IRAS in your annual return (Form B / B1).
Download your annual referral bonus statement from your Profile to keep for your records.
This is general information, not tax advice — check with IRAS or a tax adviser about your own situation.
This purchase is earmarked for your child. It's held under your account; the certificate names you as owner and them as beneficiary.
This purchase is added to your goal automatically once payment is confirmed — up to the goal's target. Any extra stays in your balance, unassigned.
🔒 Price locked for 3:00Refreshes automatically
Gold priceS$—/g
You receive0.0000g
Total to payS$200.00
ℹ️Gold is immediately allocated to your name in our ledger upon payment confirmation.
Choose Payment Method
Pay by Card
Visa or Mastercard
One-time payment. No recurring charges.
Card Details · Debit cards only
🔒 Your card is processed securely by Stripe. Gold Evolution never stores card numbers.
Your card will be saved and charged automatically each month. Cancel anytime via your profile.
Add a Child
Their gold is held under your account. You remain the legal owner; certificates are issued in your name with the child noted as beneficiary.
New Goal
Available to assign: —
Goals are just a way to organise your own savings. Your gold stays in one balance — nothing is moved or locked.
Assign Gold to a Loved One
Set how many grams of your savings sit under this person — drawn from your pool, just like a goal. No gold moves and you can change it anytime.
Converted to grams at today's price.
Available to assign: —
Withdraw commission
Request a payout from your commission wallet. We'll transfer it to your saved payout details and email you once it's done.
Available: —
Payout to: —
⚠️
Confirm Your Purchase
Please confirm you wish to proceed.
All purchases are final and non-refundable once payment is submitted.
Selling on someone's behalf
You're selling gold you set aside for this person. Gold you hold for another is regarded as a trust (amanah), and the owner has the right of possession over it. Where possible, please seek their permission before selling — or ensure the sale is clearly for their benefit.
g
🔒 Rate locked for 3:00Refreshes automatically
Portfolio gain since avg buy—
Buyback rateS$—/g
Grams selling0.0000g
You receiveS$0.00
ℹ️Proceeds will be transferred to your bank account within 2 business days after verification.
📌Buyback-only model: Gold Evolution is the sole buyer of your gold. There is no open market or third-party buyer. Your sell price is our posted buyback rate, which may differ from the live spot price.
Your Gold Balance
0.0000g
Available to sell
S$0.00
Gold Evolution Pte Ltd · Payout within 2 business days
Use Your Gold Balance
Convert to Physical Gold
Redeem your saved grams for real gold bars or coins — add as many as you like in one delivery. A premium and a single delivery fee apply.
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Gold weight
Quantity
Grams to deduct
Premium
Delivery fee
Total payable (PayNow)
Your Gold Balance
0.0000g
Select a product above
⚠️Insufficient gold balance for this product. Please top up your savings first.
ℹ️Your grams will be deducted immediately upon submission. Payment for the premium and delivery fee is via PayNow.
Choose Payment Method
Add a product to continue
Gold Evolution Pte Ltd · Physical delivery within 3–5 business days
🔒 Price locked for 3:00Refreshes automatically
999.9 Fine Gold · LBMA Approved
Save towards physical gold
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How It Works
1
Place Your Order
Select your preferred gold bar and complete your order via PayNow. Your order is confirmed upon submission.
2
Payment Processed
Our team will verify your PayNow transfer and issue a confirmation once payment has been received and processed.
3
Order Received & Prepared
Your gold bar is inspected, certified, and prepared for handover in accordance with our quality and compliance standards.
4
Delivery Arrangements
A Gold Evolution representative will contact you directly to coordinate a secure delivery or collection at your convenience.
Gold Evolution Pte Ltd · UEN 202443296N
Regulated Dealer under Ministry of Law · PSPM Act
Aligned with Shariah Values · Interest-Free · Physical Gold Only
Turn Gold Into Cash
Sell Your Physical Gold
Sell gold bars or coins you already own to Gold Evolution. Add each item with a photo — we'll review them and confirm your payout.
A clear photo of the actual item (and its certificate, if any). One photo per item.
Your sell requests
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You are purchasing
1 Gram Gold Bar
999.9 Fine · LBMA Approved · Swiss Refinery
Weight1g
Total to payS$—
Price updates live based on current gold market rate
📦 Physical Delivery
Gold bar will be delivered to your registered address or available for pickup.
Delivery timeline: 3–5 business days after payment confirmation.
This purchase is separate from your Gold Savings balance.
🛒 Pre-order (made to order)
This item is currently out of stock. By pre-ordering, you appoint us as your agent (wakālah) to procure this bar for you. The total shown includes our agency fee.
We source it promptly (ordinarily within 1 business day of payment), after which it becomes yours and is delivered within 3–5 business days.
If we cannot source it, you are refunded in full. See our Terms.
Choose Payment Method
Your Cart
🏅
Gold Bar Reference
—
—
Your Holding
0.0000g
≈ S$0.00
0% of bar
Transactions on This Bar
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Allocation Certificates
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999.9 Fine · LBMA Approved Individually allocated in your name
👤
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GE—
—
Monthly Gold Savings
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🔒 Fingerprint Login
Sign in faster with Face ID / fingerprint on this device.
Your fingerprint never leaves your device — only a secure key is stored. Your password and email code always still work.
Verification Status
Verified ✓
NRIC / FIN (last 4)—
Account Status—
Purpose of PurchaseNot set
Source of IncomeNot set
Re-submit Documents
Your previous documents were not accepted. Please upload clear, readable copies below.
Personal Info
Full Name—
Email—
Mobile—
Date of Birth—
Next of Kin
Name—
Relationship—
Contact Number—
Required. You must be 18 or older to hold an account. This is kept private and used only to verify your account.
Next of Kin *
Payout Details
No payout method added yet. Tap Edit to add bank or PayNow details.
MethodBank Account
Bank Name—
Account Number—
Account Holder—
MethodPayNow
Linked To—
PayNow ID—
Account Statements
Download a PDF statement of your gold transactions for any month.
Referral Bonus Statements
Download an annual summary of your referral bonus earnings for tax declaration purposes.
⚠️ Referral Bonus income is taxable. Use this statement when filing your annual income tax return with IRAS (Form B / B1).
Your request will be reviewed within 30 days. Before deletion, please ensure you have withdrawn any remaining balance.
Financial records may be retained for up to 7 years as required by law.
🔒
Sign in faster next time?
Turn on Face ID / fingerprint on this device so you can sign in without typing your password or waiting for an email code. Your fingerprint never leaves your device — only a secure key is stored.
Your gold has been allocated. Confirmation sent to your WhatsApp.
Transaction ID—
Gold—
Time—
Scan to Pay via PayNow
Amount to pay
S$—
Enter this exact amount (with cents) in your banking app — tap Copy to be safe.
Payment reference: —
Gold Evolution Pte Ltd · UEN 202443296N
Gold allocated upon payment confirmation
📎 Upload PayNow Receipt *
Screenshot of your PayNow confirmation is required before submitting.
Your order will be confirmed once payment is verified
Islamic Finance
Zakat Calculator
Calculate your annual zakat obligation on gold based on the current nisab threshold.
Nisab standard per MUIS (Majlis Ugama Islam Singapura). SGD equivalent calculated using today's live gold price.
Gold Evolution Balance
g
Auto-filled from your account
Additional Gold
Jewellery, other savings accounts
g
Haul (Lunar Year): Zakat is only obligatory if your total gold has remained at or above the nisab for a complete lunar year (354 days).
This is a reference tool only. For official nisab rates and religious rulings, visit
zakat.sg ↗
or consult a qualified Islamic scholar.
🤝
Become a Gold Evolution Agent
Refer others. Earn referral bonuses. Help others invest in physical gold.
Referral Bonus Tiers
🥉 Starter
Under S$20,000 / 12 months
1.0%
🥈 Captain
S$20,000 – 29,999 / 12 months
1.5%
🥇 Chief
S$30,000+ / 12 months
2.0%
How It Works
1
Purchase the Agent Package
One-time purchase of a 5 grams gold bar.
2
Share your referral code
New customers sign up using your GE number.
3
Earn monthly referral bonuses
Paid based on your customers' gold purchases each month.
💡 Earnings Estimator
Customers referred20
5300
Avg monthly purchase per customer
Est. monthly referral bonus
Starter tier · 1.0% rate
S$40.00
Agent Package
5g Gold Bar
💳 PayNow to UEN 202443296N · Use your GE number as reference
Agent Application
Submit Your Request
After purchasing a 5 grams gold bar via PayNow to UEN 202443296N (reference: your GE number), enter your payment reference below. We'll activate your account within 1 business day.
My Referrals
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Sales Summary
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🤖
GE Assistant
Ask me anything about gold
👋 Hi! I'm your GE Assistant. Ask me anything about gold saving, or tap below to speak with a real person.