01 · AT A GLANCE
Provider profile and documented storage options.
Switzerland
Gold, Platinum, Palladium, Silver
Domestic storage, Customs-free warehouse, Safe-deposit box
Sole ownership of specific items, Your own box contents, Fractional co-ownership
By post, In person, Online
No
philoro Group
02 · STORAGE OPTIONS
Where and how the metal is stored.
Precious-metals depot
Dealer storage, allocated · Provider’s name: Depot für Edelmetalle
- Location
- Switzerland · Wittenbach / Zurich
- Vault operator
- philoro SCHWEIZ AG
- Ownership
- Sole ownership of specific items
- Holding
- Segregated
- Metals
- Gold · Platinum · Palladium
- Access in person
- No
- Delivery possible
- Yes
- Onboarding
- By post
- Identification
- yes — certified identity copy
Customs-free storage
Dealer storage, allocated · Provider’s name: Zollfreilager
- Location
- Switzerland · near Zurich Airport
- Ownership
- Sole ownership of specific items
- Metals
- Gold · Silver · Platinum · Palladium
- Access in person
- Not disclosed
- Delivery possible
- Yes
- Onboarding
- By post
- Identification
- yes
Safe-deposit box
Storage only · Provider’s name: Schliessfach
- Location
- Switzerland · Wittenbach and Zurich
- Vault operator
- philoro SCHWEIZ AG
- Ownership
- Your own box contents
- Metals
- Gold · Silver · Platinum · Palladium
- Access in person
- Yes
- Delivery possible
- No
- Onboarding
- In person
- Identification
- yes
Precious-metals savings plan (Edelmetall-Abo)
Dealer depot, fractional · Provider’s name: Edelmetall-Abo
- Location
- Switzerland · Zurich high-security/customs-free warehouse
- Vault operator
- Brink’s
- Ownership
- Fractional co-ownership
- Holding
- Pooled
- Metals
- Gold · Silver · Platinum · Palladium
- Access in person
- No
- Delivery possible
- Not disclosed
- Onboarding
- Online
- Identification
- yes — online identification
03 · OWNERSHIP AND SAFEGUARDS
Whose property the metal remains.
“Not disclosed” means the provider does not state this publicly — it is not a statement that it does not apply.
Precious-metals depot
- Held separately from the provider’s own assetsYes
- Direct claim against the custodianYes
- Bar or seal numbers recordedNot disclosed
- Ownership transferableNot disclosed
- Custodian is a bankNo
- Vault operator affiliated with a bankNo
- Proof of ownership
- quarterly depot statement
- If the provider becomes insolvent
- philoro states that the stored precious metals remain customer property and are held separately.
Customs-free storage
- Held separately from the provider’s own assetsYes
- Direct claim against the custodianNot disclosed
- Bar or seal numbers recordedNot disclosed
- Ownership transferableNot disclosed
- Custodian is a bankNo
- Vault operator affiliated with a bankNot disclosed
- Proof of ownership
- inventory/depot statement
- If the provider becomes insolvent
- philoro describes customer holdings as legally separate property.
Safe-deposit box
- Held separately from the provider’s own assetsNot disclosed
- Direct claim against the custodianYes
- Bar or seal numbers recordedNo
- Ownership transferableNo
- Custodian is a bankNo
- Vault operator affiliated with a bankNo
- Proof of ownership
- safe-deposit-box rental agreement
Precious-metals savings plan (Edelmetall-Abo)
- Held separately from the provider’s own assetsYes
- Direct claim against the custodianNot disclosed
- Bar or seal numbers recordedNo
- Ownership transferableNot disclosed
- Custodian is a bankNo
- Vault operator affiliated with a bankNo
- Proof of ownership
- online account statement / holdings statement
- If the provider becomes insolvent
- philoro describes the purchased metal as 100% physically backed customer property.
04 · WHAT IT COSTS
Published costs.
| Charge | Published terms |
|---|---|
| Storage feePrecious-metals depot | 0.20% per quarter plus VAT; minimum CHF 30 per quarter; no setup charge; minimum term one year (accessed 2026-09-21) |
| Purchase premiumPrecious-metals depot | product-specific live dealer price; no static standard premium (accessed 2026-09-21) |
| Minimum investmentPrecious-metals depot | Not disclosed |
| Access, delivery and exitPrecious-metals depot | Not disclosed |
| Storage feeCustoms-free storage | silver 0.95% p.a.; gold/platinum/palladium 0.65% p.a.; billed quarterly (accessed 2026-09-21) |
| Purchase premiumCustoms-free storage | product-specific live dealer price; no static standard premium (accessed 2026-09-21) |
| Minimum investmentCustoms-free storage | Not disclosed |
| Access, delivery and exitCustoms-free storage | Not disclosed |
| Storage feeSafe-deposit box | annual rent incl. 8.1% VAT: CHF 325 / 400 / 550 / 850 / 1,200 / 1,550 / 1,750 / 2,500 by size (accessed 2026-09-21) |
| Purchase premiumSafe-deposit box | not applicable — box rental only |
| Minimum investmentSafe-deposit box | not applicable |
| Access, delivery and exitSafe-deposit box | Not disclosed |
| Storage feePrecious-metals savings plan (Edelmetall-Abo) | gold 0.15% per quarter; silver/platinum/palladium 0.25% per quarter (provider FAQ; accessed 2026-09-21) |
| Purchase premiumPrecious-metals savings plan (Edelmetall-Abo) | gold 5%; silver 10%; platinum/palladium 12% (provider FAQ; accessed 2026-09-21) |
| Minimum investmentPrecious-metals savings plan (Edelmetall-Abo) | CHF 25 per month (accessed 2026-09-21) |
| Access, delivery and exitPrecious-metals savings plan (Edelmetall-Abo) | sale discount 2%; physical delivery conditions conflict between current product and FAQ pages (accessed 2026-09-21) |
Terms are shown as recorded from the provider’s documents, in the currency it publishes, and are not converted. This is not a complete price list — always read the source document.
05 · INSURANCE AND AUDITS
How holdings are insured and audited.
| Storage option | Insurance | Audit |
|---|---|---|
| Precious-metals depot |
|
|
| Customs-free storage |
|
|
| Safe-deposit box |
|
|
| Precious-metals savings plan (Edelmetall-Abo) |
|
|
06 · WHO CAN BECOME A CLIENT
Published rules by region of residence.
Regions by the client’s country of residence. Geographic access is not approval: the provider reviews every relationship itself.
Regions
- European UnionNot accepted
- European Economic AreaSome countries
- Rest of EuropeSome countries
- AfricaNot accepted
- AsiaNot accepted
- North AmericaNot accepted
- South AmericaNot accepted
- OceaniaNot accepted
Country rules
- Residence: LiechtensteinAccepted
- Residence: SwitzerlandAccepted
European Union: No EU country accepted. Shop rule (AGB §6): only residents of Switzerland and Liechtenstein. No separate rule published for storage products.
European Economic Area: Liechtenstein only. Shop rule (AGB §6): only residents of Switzerland and Liechtenstein. No separate rule published for storage products.
Rest of Europe: Switzerland and Liechtenstein only. Shop rule (AGB §6): only residents of Switzerland and Liechtenstein. No separate rule published for storage products.
Africa, Asia, North America, South America and Oceania: Shop rule (AGB §6): only residents of Switzerland and Liechtenstein. No separate rule published for storage products.
Section 6 directs the shop exclusively at customers with residence or registered office in Switzerland or Liechtenstein and a delivery address there.
Applies to: Online shop incl. purchases into storage; storage products not separately addressed
Source: philoro SCHWEIZ AG – Allgemeine Geschäftsbedingungen · Observed 22 September 202607 · SOURCES
Where these figures come from.
Only documents the provider publishes are used. Nothing here is taken from brokers or comparison sites.
Next scheduled review: 21 March 2027. Storage fees and terms change; the figures are re-read against the provider’s documents by then at the latest.