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strong reasonsto have a Voima Account


Your money is not based on accumulating debt

It is no secret that euros, dollars and other government-issued currencies are debt. These can be created without limit or effort—and indeed they are being created so right now, in an attempt to resuscitate the economies worldwide.

Voima Account allows you to save in gold instead of just in euros: gold is nobody’s debt and therefore better money.


You actually get to own your money

Did you know?

The money on your bank account is not legally owned by you but by the bank. You have loaned your money to the bank and they lend it forward to earn revenue. This is normal practice, but like with any instance of lending, it does carry a risk of failure.

With Voima things are different

You own the gold on your Voima Account.

Consumers carrying banknotes in their wallets hardly think of themselves as creditors; nonetheless, banknotes represent the central bank’s debt to banknote holders. Similarly, a bank deposit represents the bank’s debt to the customer.

Bank of Finland



You can ignore interest rates


The interest on your bank account acts as the reward for the risk you take when you lend your money to the bank. However, with the current rates, there is no such reward even though the risk is still there.

The gold on your Voima Account has no associated lending risk. Thus, there is no need for a reward in the form of interest rates.


You can cope with the weakening euro

Euros printed since you entered this webpage

This printing pace is based on the 2020 figures.


Euros can be created without limit, and this inevitably weakens the value of the currency. This means that the more money is printed, the less you can generally buy with it. Unfortunately, money printing seems to be the megatrend of these times, and a total of €1,365,742,000,000 was issued in 2020 alone. Sooner or later, every euro will buy less.

With Voima Account, you can worry less about the effects of money creation and inflation. The account allows you to exchange your euros and other currencies for gold: an element that has always been highly valued and whose supply is naturally limited.


Your money is more secure

The majority of the Customers’ gold is kept safe at Voima’s own top-security vault in Finland. The rest is held at Voima’s trading partners in London and Switzerland to ensure liquidity. The gold is guaranteed to be pure in all of these locations.

The strategic choice of storing the vast majority of the gold in Finland—one of the safest nations in the world—further enhances the stability of Voima's operations.

  • The gold stored in Voima’s vault is insured at all times by Liberty Mutual.
  • Hill Audit verifies that the Customer assets are segregated from Voima’s balance sheet.
  • ALS Inspection UK Ltd. assays the purity of the gold stored in Voima’s vault, assuring the Customers that the gold is not counterfeit or impure.
  • Bureau Veritas performs an independent three-month rolling audit to Voima’s vault and accounting system.

Reports and certificates


There are no hidden costs

On a regular bank account you pay extra when your money loses in value.

All the fees of Voima are transparent and there are no hidden surprises.


Bank account

The real cost of a bank account

The figure represents a yearly loss in the value of euros. It is an average based on historical data from the last 20 years. The loss in value has been calculated against gold on a Voima Account. It takes into account interest rates, fees and the gold rate.


Voima Account

Yearly fee

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You root your wealth in history

Gold vs. euro

The euro has lost 85% of its value when measured against gold.

Compared to gold the euro goes down, data since 1999.

Gold vs. dollar

The dollar has lost 99% of its value in the last century when measured against gold.

Compared to gold the dollar goes down for over a century.

The oldest gold coins were minted in circa 550 BC—more than 2,500 years ago. All the way to our times, gold has globally been considered to be the best store of value.

Freedom of movement

Good money

Good money means money that keeps its value well. Gold is the prime exemplar of good money: it is a chemical element, so it cannot be destroyed; it is also something that has been valued since the beginning of recorded history.

Good money comes with a price. But it is truly worth it, if the money retains its value.

Bad money

Conversely, bad money means money that cannot keep its value very well. Though some money, like the euro, is bad, it does not mean it is useless. It is very sensible to use bad money for your everyday needs while basing your savings on good money.

Bad money rarely has high costs associated with it. And rightfully so, because it would decrease its value even further.

Voima Account—better than a bank account.

Open a Voima Account