VAULT RANKING
7 providers in Germany, Singapore, Liechtenstein and Switzerland, compared on 10 criteria from public documents. Smallest box: EUR 87.50 to EUR 1,158.38 a year, incl. VAT where stated. The order follows a fixed points formula; commercial relationships play no part.
Public documents as of 30 September 2026; price basis and apps as of 1 October 2026; customer inspection right as of 11 October 2026 · How the points are calculated
Positions result solely from a fixed scoring formula (methodology v1.3). Main parameters and their weight in points: Security and insurance 40, Costs 30, Access 30 (100 in total); the individual criteria are shown in the table and in the methodology. The basis is the providers' publicly available documents (as of 30 September 2026; price basis and apps as of 1 October 2026). Information not found there scores 0; providers are asked to supplement it, and confirmed information is included in the monthly update. Positions cannot be bought: offbnk's business relationships with providers are labelled and are not part of the scoring. The ranking is not investment advice or a recommendation of a provider. * Links marked with an asterisk lead to providers that pay offbnk an affiliate commission if you become a customer through the link or with an offbnk voucher code. This has no effect on inclusion, points or order.
| Provider7 providers | 1 Geiger EdelmetalleSchliessfachProvider website | 2 Swiss Gold SafeSchliessfach LiechtensteinProvider website* | 3 pro aurumpro aurum Schliessfach DeutschlandProvider website | 4 BullionStarSafe Deposit Boxes SingaporeProvider website | 5 Degussa GoldhandelKNOX by Degussa SchliessfachProvider website | 6 philoro SchweizSchliessfachProvider website | 7 Silver BullionThe Safe House Safe Deposit BoxProvider website |
|---|---|---|---|---|---|---|---|
| Total score | Good70 of 100
| Good69 of 100
| Good66 of 100 | Good65 of 100 | Good65 of 100 | Satisfactory58 of 100 | Satisfactory55 of 100 |
| 15/40 | 35/40 | 25/40 | 30/40 | 25/40 | 18/40 | 25/40 | |
| Vault operator named or own vault 10 | 10/10Geiger Edelmetalle AG | 10/10Swiss Gold Safe (Liechtenstein) AG | 10/10pro aurum GmbH | 10/10BullionStar Pte. Ltd. | 10/10Degussa Sonne/Mond Goldhandel GmbH (lessor per AGB footer) at its own branches. No third-party facility operator named | 10/10philoro SCHWEIZ AG | 10/10The Safe House SG Pte. Ltd. |
| Insurer named 10 | 0/10Not found in the documents reviewed (as of 30 Sep 2026) | 10/10Lloyd's of London named; legal entity not stated | 0/10Not found in the documents reviewed (as of 30 Sep 2026) | 10/10Lloyd's of London syndicates, placed by Marsh | 0/10Not found in the documents reviewed (as of 30 Sep 2026) | 0/10Not found in the documents reviewed (as of 30 Sep 2026) | 0/10Not found in the documents reviewed (as of 30 Sep 2026) |
| Insurance included in the rent 10 | 0/10EUR 0 | 10/10EUR 26,376.87 | 10/10EUR 30,000 | 10/10EUR 103,426.88 | 10/10EUR 50,000 | 3/10EUR 5,275.37 | 10/10EUR 220,167.33 |
| Top-up insurance available 5 | 5/5Yes | 5/5Yes | 5/5Yes | 0/5Not found in the documents reviewed (as of 30 Sep 2026) | 5/5Yes | 5/5Yes | 5/5Yes |
| Contents remain the client's property 5 | 0/5Not found in the documents reviewed (as of 30 Sep 2026) | 0/5Not found in the documents reviewed (as of 29 Sep 2026) | 0/5Not found in the documents reviewed (as of 30 Sep 2026) | 0/5Not found in the documents reviewed (as of 30 Sep 2026) | 0/5Not found in the documents reviewed (as of 30 Sep 2026) | 0/5Not found in the documents reviewed (as of 30 Sep 2026) | 0/5Not found in the documents reviewed (as of 30 Sep 2026) |
| 30/30 | 11/30 | 23/30 | 17/30 | 17/30 | 17/30 | 7/30 | |
| Annual rent of the smallest box 25 | 25/25EUR 87.5iSchloss Güldengossa size 1: EUR 87.50 p.a. incl. VAT. | 6/25EUR 541.78iCategory 1: CHF 513.50 p.a. incl. 8.1% VAT = EUR 541.78. | 18/25EUR 230iSmallest box offered: EUR 230.00 p.a. incl. VAT (e.g. Bielefeld, Hamburg); the EUR 214.20 Berlin box shows "Derzeit keine freien Fächer". | 12/25EUR 406.12iSmall box, shortest term (2 years) SGD 589 per year (rule 3.4.3) = EUR 406.12; GST not stated. | 12/25EUR 312iCategory I: EUR 26.00/month incl. VAT x 12. | 12/25EUR 342.9iSize 1: CHF 325 p.a. incl. 8.1% VAT = EUR 342.9. | 2/25EUR 1,158.38iClass II (smallest, 58 x 8 x 6.5 cm): SGD 1,680 p.a. incl. 9% GST from 1 June 2026 = EUR 1158.38. |
| Box price list public 5 | 5/5Schloss Güldengossa EUR 87.50 / 107.50 / 130 / 155 / 180 / 210 / 235 / 335 / 640 per year; Brainkofen EUR 130 / 180 / 235 / 640 per year (2026 provider price page; accessed 2026-09-21) | 5/5annual rent incl. VAT by category: CHF 513.50 / 594.55 / 918.85 / 1,243.15 / 2,324.15 / 4,242.95 / 6,459.00 / 8,107.50 (price list accessed 2026-09-21) | 5/5EUR 214.20 to EUR 714.00 per year incl. VAT depending on branch and size (accessed 2026-09-30) | 5/5small SGD 589/559/488 per year for 2/5/10-year term; large SGD 889/849/788; extra-large SGD 1,659/1,599/1,488 (accessed 2026-09-21) | 5/5monthly incl. VAT by category I–VII: EUR 26 / 34 / 40 / 52 / 54 / 56 / 71 (price list dated 2026-06) | 5/5annual rent incl. 8.1% VAT: CHF 325 / 400 / 550 / 850 / 1,200 / 1,550 / 1,750 / 2,500 by size (accessed 2026-09-21) | 5/5Class I SGD 2,000 per year; Class II SGD 1,680 per year; incl. 9% GST; rates effective 1 June 2026 (accessed 2026-09-30) |
| 25/30 | 23/30 | 18/30 | 18/30 | 23/30 | 23/30 | 23/30 | |
| Physical access to holdings 15 | 15/15Yes | 15/15Yes | 15/15Yes | 15/15Yes | 15/15Yes | 15/15Yes | 15/15Yes |
| Account opening 10 | 10/10Online | 3/10In person | 3/10In person | 3/10In person | 3/10In person | 3/10In person | 3/10In person |
| Residence rules published 5 | 0/5Not found in the documents reviewed (as of 30 Sep 2026) | 5/5Yes | 0/5Not found in the documents reviewed (as of 30 Sep 2026) | 0/5Not found in the documents reviewed (as of 30 Sep 2026) | 5/5Yes | 5/5Yes | 5/5Yes |
| App Shown for information, no points. | No app found in the App Store or on Google Play (as of 1 Oct 2026) | No app found in the App Store or on Google Play (as of 1 Oct 2026) | No app found in the App Store or on Google Play (as of 1 Oct 2026) | No app found in the App Store or on Google Play (as of 1 Oct 2026) | iOS: buy, savings plan, delivery | No app found in the App Store or on Google Play (as of 1 Oct 2026) | Web app: view holdings, buy, sell, savings plan |
| Last verified | 30 Sept 2026 | 29 Sept 2026 | 30 Sept 2026 | 30 Sept 2026 | 30 Sept 2026 | 30 Sept 2026 | 30 Sept 2026 |
| Further storage locations | – | Switzerland | Switzerland | – | – | – | – |
| Provider website | Provider website | Provider website* | Provider website | Provider website | Provider website | Provider website | Provider website |
| Profile | View provider profile → | View provider profile → | View provider profile → | View provider profile → | View provider profile → | View provider profile → | View provider profile → |
SAFE DEPOSIT BOXES IN DETAIL
A safe deposit box is the simplest form of storage: you rent space in a vault and keep whatever you like in it yourself. The provider only rents out the box. That gives you privacy but shifts much of the proof and insurance to you.
You choose a box size and sign a rental agreement. The provider generally does not check or record what you put in the box. You have access during opening hours or by appointment, usually with your own key and an identity check.
The rent is a fixed amount per year or month that depends on the box size, not on the value of the contents. That makes boxes economical for larger holdings in particular. There is no delivery: you collect the contents yourself.
Because the provider does not know the contents, they are insured only up to a contractual sum and only against certain risks. Higher values often need additional insurance and proof in the event of a claim. Simple theft and mysterious disappearance are frequently not covered.
The differences are large. At Geiger Edelmetalle the rent includes no contents insurance; cover can be taken out through Allianz. Swiss Gold Safe states basic cover for physical loss or damage in Liechtenstein, which can be extended to all-risks cover. At pro aurum in Germany, fire, burglary, vandalism during burglary and robbery on the premises are insured.
How the three options with the most points in this ranking handle the safe deposit box.
Boxes at Schloss Güldengossa and in Brainkofen, from EUR 87.50 a year. The rent includes no contents insurance; cover is available through Allianz. If a key is lost, the box is opened in the presence of a notary at the renter's cost.
Boxes in Schaan in eight sizes, with annual rent from CHF 513.50 to CHF 8,107.50 including VAT. Lloyd's of London is named as insurer. Additional visits cost CHF 85 an hour; outside opening hours a further CHF 250 an hour applies, each plus VAT.
Boxes at eleven locations in Germany, including Munich, Hamburg, Düsseldorf and Stuttgart, for EUR 214.20 to EUR 714 a year including VAT. Fire, burglary, vandalism during burglary and robbery are insured. Notice is four weeks by registered letter.
Based on the providers' public documents as of 30 September 2026. The examples are the three best-placed options in this ranking and not a recommendation.