Glint review

Find out more about the startup describing itself as a new global currency.


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HSBC Advance Bank Account

HSBC Advance Bank Account

  • £125 reward when you switch your main current account (from non HSBC-Group products)
  • Minimum arranged overdraft of £1,000 on account opening
  • Earn 2.75% AER / gross interest with the linked HSBC Regular Saver
  • Fee free international transfers and no monthly fee

Glint is a fintech app taking an interesting new approach to current accounts and finance. At its core, Glint works like many other challenger banks, providing a system for customers to spend their money from the convenient platform of their smartphone. However, Glint differs in one crucial area: rather than using the traditional currency, Glint is attempting to bring back gold.

Read on to find out more about Glint and whether it might be an option for you.

What is Glint?

Glint felt that “it was unfair that money is prone to depreciate in ways we have no control over”, and sees the solution in gold. According to Glint, gold is a trustworthy form of money – an independent and more stable currency that gives some control back to the consumer.

With a Glint account, your transactions are backed by gold, and, because it isn’t exclusive to one country, you can make them anywhere.

How does Glint work?

Like most other challenger banks and fintech companies, Glint works almost entirely from your smartphone, with the exception of the physical card that they will send after registering.

Getting started is simple. You register by entering your name and address, and the process of receiving your card and completing your registration is just as streamlined. Once in the app, it’s easy to find your way around the home page.

Only the essentials are featured on the app. These include:

  • Markets. Glint has a collection of third-party providers offering a variety of services for you to choose from. Browse through them from here.
  • Tailoring. Customise your account, review settings and security, and more.
  • Homescreen. From the homescreen you can see your Glint Mastercard balance and its equivalent value in gold and a number of other currencies. Glint also provides a net value estimate.
  • Transfer between accounts. Transfer money from one account to another – great for managing your budget and travelling.
  • Top-up funds. Add more money to your Glint account – transfer via your bank or through a deposit.
  • Invite a friend. Invite a friend to join. Keep in mind that Glint is only on the Apple App Store, so your friend best have an iPhone.
  • Account. In the top right of your homepage you can find your account overview. From here you can manage and change your account details.

Using Glint abroad

Glint is a great travel tool. Not only can it be used anywhere via the app, but because gold’s value is recognised in many different countries you don’t have to struggle with exchanging currency. Additionally, because Glint uses Mastercard, your Glint card is accepted in over 30 million locations worldwide.

If you're travelling abroad

If you are heading overseas and are thinking about travel money, head to our travel money section for the cheapest deals on foreign currencies, or to our travel section for tips on how to get cheap flights!

Glint fees, limits and pricing

Opening a Glint account costs nothing, but Glint does come with a handful of fees and limits. These include:

  • The gold exchange fee comes with a charge of 0.5% of the transaction value. Similarly, the foreign exchange fee is 0.5% of the transaction value.
  • Point-of-sale transactions are free with a limit of £5,000 per day; ATM withdrawals cost £1.50 with a limit of £300 per day.
  • Topping up via debit card is free, but is limited to £2,000 per day. You cannot load money using a credit card.
  • Bank transfers are free.
  • There are no insurance or storage fees on your end, though your gold is stored and insured.
  • Account closures also cost nothing.

Is Glint safe?

Glint is regulated by the Financial Conduct Authority, meaning your money is always safe even in unforeseen circumstances. Your money and sensitive details are kept behind a password, and registration requires proper authentication before you are approved. You can only activate your card once it’s reached you, so if it’s stolen before it’s arrived it’s completely useless.

Pros and cons of Glint


  • Reasonable fees and limits.
  • Gold is not exclusive to one country.
  • Contactless debit card.
  • Simple and functional app design.
  • Quick and easy registration.
  • Great to travel with.
  • Safe and secure.
  • Fully registered with the FCA and PRA.


  • Currently unavailable for Android users.
  • Gold is still vulnerable to market movements and its value can fluctuate.
  • Compared to other challenger banking apps, Glint’s app offers far less features to help manage your finances.
  • Traditional banks are still necessary for most of your banking and financial needs.

While Glint doesn’t work as a replacement for traditional banking services, it does make a great companion to them. The work that has gone into creating such a complex app definitely shows, and hopefully it will be available to everyone at some point in the future.

Compare Glint against its competitors

Data indicated here is updated daily
Name Product Ratings Interest (AER) Arranged overdraft Key benefits Link Representative example
We say
You say
39.9% EAR variable
£125 when you switch
Go to site
Current account switch service guarantee badge
Plus earn 2.75% AER / gross interest with the linked HSBC Regular Sever
To be eligible for HSBC Advance, customers will need to pay in a minimum of £1,750 per month or £10,500 over 6 months and must qualify for a minimum £1,000 arranged overdraft. To be eligible for the £125 switching offer, customers must switch from a non-HSBC Group current account product. Other T&Cs apply. Representative example: If you use an arranged overdraft of £1,200, you’ll be charged interest at 38.9% (0% EAR variable on first £25, 39.9% thereafter).
We say
You say
15% EAR variable
Award-winning current account, apply in minutes
Go to site
Current account switch service guarantee badge
No fees for spending or withdrawing cash overseas - currencies are converted at Mastercard’s standard exchange rate
Representative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 15% EAR variable.
We say
You say
39.94% EAR variable
Interest and fee free overdraft
for first four months when you switch
Go to site
Current account switch service guarantee badge
Up to 15% cashback at a range of major retailers
Representative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.94% EAR variable.
We say
Guaranteed acceptance plus a credit building feature
Go to site
Account fee of £5.95 per month.
We say
Guaranteed acceptance
Go to site
Current account switch service guarantee badge
Earn cashback on your purchases when you shop through the ThinkMoney rewards portal
Account fee of £10 per month or £15 per month.

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4 Responses

  1. Default Gravatar
    AylwardAugust 19, 2019

    Can the app be downloaded onto a Windows 7 laptop? Can it be used from there?

    • Avatarfinder Customer Care
      CharisseAugust 19, 2019Staff

      Hi Aylward,

      Thanks for reaching out to Finder.

      Glint app can’t be downloaded onto a Windows 7 laptop. Currently, you can only access the Glint App via an iOs and Android systems.

      I hope this helps.


  2. Default Gravatar
    TonyNovember 5, 2018

    How do I know that the money I put into Glint is actually backed up by gold? Other than them simply telling me so?

    • Avatarfinder Customer Care
      JoshuaNovember 19, 2018Staff

      Hi Tony,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      It is worth noting that Glint is regulated by the Financial Conduct Authority (FCA) and this only happens if you meet verification, assessment, and background check by the FCA. For this reason, it is safe to say that Glint’s claims are true, which include that your money is backed up by gold.

      Another way for you to check is to visit their website. You can directly get in touch with them and ask them questions. They can explain to you why they can be trusted.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


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