BFREE FZEA UAE Precious Metal Consulting, Advisory, and Management Companyinfo@bfree.care
PHYSICAL WEALTH · HELD IN THE UAE
Own the metal. We manage the journey.
We help clients buy pure gold and silver bullion bars. We store them for free, waiting for the metals to appreciate in value. We sell whenever the client instructs.
Pure investment barsWhole-unit ownershipPhysically segregatedDocumented actual pricesYour decision to sell
WHAT WE DO
Your UAE precious-metals partner.
BFREE acts as your agent throughout the ownership journey: sourcing through authorized UAE retail distributors and bullion dealers, arranging purchase, documenting allocation, securing custody and managing a separate sale when you instruct us.
You choose the metal, bar form, weight and whole-unit quantity. Your account keeps estimates, actual dealer receipts, certificates, bar identities and investment results together.
Open to eligible clients outside the GCC. Relevant UAE, UN, US and European sanctions and business restrictions apply.
Ag47
SERVICE 01 · PURE SILVER
A tangible position in silver.
Pure silver investment bullion bars, 999 fineness or higher. Choose cast or minted bars with required weight, purity and identity markings.
Minimum 1g; available weights confirmed by the dealer.
No fractional units or shared ownership.
Lower metal cost per gram, with greater storage volume per dirham invested.
Compare making charges and dealer bid spreads before choosing a size.
PURE SILVER999+
Purity, weight and provenance recorded for each allocated bar.
Au79
SERVICE 02 · 24K GOLD
Gold ownership. Clearly recorded.
24K investment bullion bars, 999 fineness or higher. Buy for metal exposure and potential after-cost growth, using plain investment bars rather than decorative or collectible designs.
Minimum 1g; no commercial maximum.
Cast or minted, with the actual making charge disclosed.
Small bars offer flexible sale sizes; larger bars can reduce premiums per gram.
Lower-purity alloys contain less fine gold per gram and may add assay/refining costs. ROI still depends on actual entry and exit terms.
INVESTMENT GOLD24K
Qualifying investment bullion is zero-rated for UAE VAT. Separate services may differ.
WHY · STRATEGIC WEALTH ANCHORING FOR GROWTH
Give your wealth stronger anchors.
SWA-G™ is BFREE’s approach to placing wealth within a reinforcing jurisdiction, currency, sector and asset ecosystem, with clear ownership and a planned exit. UAE gold and silver can be a powerful application of that approach.
01
Jurisdiction
Anchor physical wealth within the UAE’s established commercial infrastructure, secure custody arrangements and internationally connected market. Its relatively low inflation supports the case: the Central Bank reported 1.3% headline inflation for 2025. [1]
02
Currency
The dirham is pegged to the US dollar at AED 3.6725 to USD 1. Moving savings from a depreciating home currency into globally USD-priced metals reduces exposure to further depreciation of that currency. Gold and silver can still rise or fall in USD. [2]
03
Sector
The UAE is a major international gold hub, serving wholesale trade, investors, tourists and re-export markets. Statista reports 12.1% of global gold export value in 2025 for the UAE, second to Switzerland’s 21%. These shares describe exports by value. [3][4]
04
Government alignment
The Central Bank holds gold in its own reserves: AED 37.902 billion at December 2025. Federal gold-sector policy, Good Delivery standards and responsible-sourcing rules support market integrity and development. This public commitment strengthens the ecosystem in which clients invest. [5][4]
05
Specific asset
Choose plain pure-gold or pure-silver bullion bars with recorded weight, purity, provenance and identity. Focus on fine-metal value and disclosed costs. Different bar sizes let you build holdings at your chosen pace.
06
Legal ownership
You own 100% of your identified whole bars after completed purchase and allocation. BFREE acts as your agent, documents ownership and keeps each client’s metal physically segregated. There is no shared or fractional ownership.
07
Income and after-cost growth
Qualifying investment bullion has 0% UAE VAT. The UAE levies no personal income tax, and qualifying personal investment income falls outside corporate-tax business activity. Corporate and home-country tax rules can differ. Metal returns come from price appreciation and currency translation, less expenses; bars pay no interest or rent. [6][7]
08
Exit
An established dealer network offers routes to sell when you instruct. UAE dealers, including iGold, publish bullion buyback services. BFREE seeks a current buyer bid and manages a separate sale; acceptance, timing and price depend on the bars and buyer’s terms. [8]
Strong anchors support the pursuit of after-cost growth. The choice of metal, purchase price, costs, holding period and obtainable sale bid determine your result. Tourism and bullion demand change over time; SWA-G™ is a disciplined framework for evaluating those conditions.
References behind the SWA-G™ case
CBUAE Annual Report 2025 — reported 2025 inflation of 1.3%; a historical figure, not a future inflation promise.
UAE Ministry of Economy and Tourism, 13 May 2026 — the world’s second-largest gold trading hub; approximately AED 683 billion of gold trade in 2024; federal market-development and responsible-sourcing measures.
Emirates News Agency, 11 February 2026 — CBUAE’s December 2025 gold-reserve value, citing its monthly statistical bulletin. This establishes official gold holdings, without asserting an equivalent silver reserve.
FTA VAT Executive Regulation, Article 36 — zero-rated investment precious metals must meet purity and global-bullion-tradability conditions. BFREE services retain their applicable VAT treatment.
World Gold Council, 2024 jewellery demand — documents the role of tourist purchases and year-to-year changes in UAE demand. Demand is not assumed to grow without interruption.
WHO · YOUR OWNERSHIP JOURNEY
Different starting points. The same clear mandate.
For eligible individual and corporate clients outside the GCC who want documented ownership of UAE-held physical gold and silver, with the freedom to choose quantities and purchase frequency.
INDIVIDUALS & CORPORATE BODIES
Anchor wealth. Pursue growth.
Clients applying SWA-G™ to diversify their wealth across currency, jurisdiction and physical assets while seeking a good return after costs.
A LOW ENTRY POINT
Start with one gram.
Clients seeking an accessible first purchase. Start from the cost of 1g of pure gold, plus disclosed dealer charges and BFREE’s service fee. Available bar sizes are confirmed before approval.
EMPLOYEES & REGULAR SAVERS
Build holdings. Month by month.
Employees setting aside a chosen portion of salary or benefits for gold or silver. Purchase monthly, occasionally or at another frequency that suits your budget and plans.
ETHICAL & SHARIAH-FOCUSED CLIENTS
Own real metal. Keep transactions clear.
Clients seeking ethical, Shariah-compliant investment arrangements: fully paid spot purchases, effective possession, identified whole bars, segregated custody and a separately instructed sale.
Every segment can choose its desired quantity and frequency, subject to the 1g minimum, available whole bars and transaction approval. Each purchase and sale is separately authorized at its execution-day price. There is no pre-agreed buyback, interest, leverage or fractional ownership. Eligibility and relevant sanctions or business restrictions apply.
THE NUMBERS, IN CONTEXT
See the history. Count the costs.
Compare both metals from 2000, or choose dates. Benchmark performance is distinct from the return on an actual bar purchase.
Reported monthly benchmarks● Gold● Silver
Source: World Bank Pink Sheet, 321 monthly observations, January 2000–September 2026, published 2 October 2026. International monthly averages, supplemented by later reported daily Gold API spot references fetched while viewing and recorded locally in this browser. The client app records its automatic references centrally. These are not Dubai retail quotations. Index starts at 100. The fee view applies 10% purchase and 5% sale fees only; making charges, certificates, dealer spread and client-country taxes are excluded. Actual net ROI is available only in your account using documented costs and a fresh buyer bid.
Gross Return on Investment
The change in the value of your gold/silver, after sale, but before accounting for making charges, certificates, service fees and sale spread.
Net client return
The change in the value of your gold/silver after sale, and after accounting for making charges, certificates, service fees and sale spread.
“ROI if I sell today”
Your estimated net ROI on a specific date.
YOUR OWNERSHIP JOURNEY
Every step. In your account.
01
Register
Accept the English agreement. Upload client and nominated-beneficiary passports, or select no beneficiary. Upload any other required/supporting documents.
02
Choose & submit
Build your cart: pure metal, cast/minted form, bar weight and whole-unit quantity. Submit for approval.
03
Approve & fund
BFREE supplies the estimate and fee breakdown. Transfer funds and upload evidence; BFREE verifies payment.
04
Confirm & acquire
Confirm purchase authority. The actual execution-day price applies. Top up or give new instructions if funds fall short.
05
Own & hold
Receive the dealer receipt, certificate and allocation record. Your bars are physically segregated in agreed UAE custody.
06
Sell or withdraw
Instruct a separate sale at a current bid, or give five working days’ notice for inspection/withdrawal.
UAE CUSTODY · INDIVIDUAL OWNERSHIP
Security begins with clear records.
The UAE’s established commercial infrastructure and precious-metals market support our service. Your metal’s protection depends on actual vault arrangements, allocation and custody procedures.
Physically segregated
Your specific whole bars are kept separately and linked to your ownership record.
Agreed secured vaults
BFREE’s secured vaults or an approved dealer vault, identified in your custody record.
Access on notice
Inspection and physical withdrawal are permitted with five UAE working days’ notice.
CURRENT SERVICE TARIFF
Know your costs. Before you commit.
PURCHASE10%
Of pure-metal value plus disclosed dealer additions. Includes applicable service VAT.
STORAGEAED 0
Currently free for an unlimited holding period.
SALE5%
Of actual metal sale consideration. Includes applicable service VAT.
If You Buy AED 10,000
Our service fee (10%) is AED 1,000, which already includes VAT.
AED 952.38
Our Service fee excluding VAT, if standard-rated.
AED 47.62
VAT is already part of the AED 1,000 fee.
Making and certificate charges depend on the dealer and product. The unused refundable execution buffer is returned in full. Tariffs are subject to prospective change; each approved transaction records its fee. At an unchanged metal price, the 10% purchase and 5% sale fees together represent 13.64% of the initial outlay; recovering those fees requires 15.79% metal-price appreciation. From 01/01/2020 to 01/01/2025, reported gold increased from AED 179.41/g to AED 309.82/g — AED 130.41/g or 72.69%. Silver increased from AED 2.1053/g to AED 3.4088/g — AED 1.3035/g or 61.92%. Both increases exceeded the fee-only break-even threshold.
*Qualifying investment gold and silver bullion is subject to 0% UAE VAT. The UAE does not levy personal income tax. BFREE’s service fee includes applicable service VAT.
When the spot purchase completes and identified metal is allocated/delivered or effective possession is obtained by BFREE as agent. A cart or advance payment alone does not establish ownership of metal.
Can I cancel?
Yes. Before purchase you bear disclosed unavoidable costs incurred. After purchase you may withdraw or request a separate resale and bear actual costs and market losses.
Is profit guaranteed?
No. Metal prices and exchange rates can rise or fall. Making charges, bid spreads and service fees reduce returns. Sell/hold guidance uses your targets and current data, without predicting prices.
When are proceeds remitted?
Within five UAE working days after completed sale and cleared buyer funds. Relevant public holidays or documented force majeure extend the deadline only for the time they prevent performance.
Can I name a beneficiary?
Yes, or select none. Nomination does not override lawful succession, Shariah inheritance requirements or court orders. Estate authority is required before release.
Why only pure bars?
They provide direct fine-metal exposure. Avoiding jewellery and collectible designs avoids decorative premiums.
BFREE REAL ESTATE
Real assets. One long-term partner.
Explore our established UAE property service: ROI-focused Dubai and Abu Dhabi studios and high-end Ajman villas.
iGold dated snapshot · 6 Oct 2026, 11:52:02 UAE · Gold AED 498.47/g · Silver AED 7.91/gSource quotations are reference rates; a buyer bid is needed for sale ROIDubai Jewellery Group · dubaicityofgold.com · iGold · igold.ae/gold-ratePurchase fee 10% inclusive · Sale fee 5% inclusive · Storage currently AED 0iGold dated snapshot · 6 Oct 2026, 11:52:02 UAE · Gold AED 498.47/g · Silver AED 7.91/gSource quotations are reference rates; a buyer bid is needed for sale ROIDubai Jewellery Group · dubaicityofgold.com · iGold · igold.ae/gold-ratePurchase fee 10% inclusive · Sale fee 5% inclusive · Storage currently AED 0
FREE CLIENT APP
Open, install and register.
You are about to open the BFREE app and register a dedicated account. On Android, accept the app’s install prompt. On iPhone, use Safari → Share → Add to Home Screen.
The review app currently uses ChatGPT sign-in and private owner access. Public client access must be enabled before launch.
The client appoints BFREE FZE as a disclosed, non-discretionary agent for purchase, physically segregated custody, documentation, management and, only on a separate instruction, sale or physical withdrawal of investment bullion. Initial products are plain 24K investment gold bars (999 or finer) and pure silver bars (999 or finer), minted or cast, with standard hallmark, weight, purity, serial/lot and assay inscriptions. Minimum purchase is one gram; there is no commercial maximum, subject to availability and applicable banking, screening and operational limits. No jewellery, collectible premium, fractional ownership, pooling, leverage, metal lending or guaranteed return is offered.
2. Eligibility
Clients are based outside the GCC. BFREE may serve eligible clients globally. Before approval and each execution BFREE reviews identity, residence, source of funds, payment route and relevant sanctions or business restrictions recognized by the UAE, UN, USA, EU and applicable European national authorities. Nationality alone does not establish a prohibition. BFREE may decline or suspend a prohibited transaction and notify the client unless disclosure is legally restricted. Each instruction identifies metal, purity, bar weight, form and whole units.
3. Approval and purchase authority
Cart submission is a request for approval, not a purchase contract, locked price or commitment to a future sale. BFREE approves a dated estimate and supplies payment instructions. The client transfers funds and uploads evidence. Transfer evidence alone is not cleared payment. BFREE verifies funds; the client then confirms authority to purchase within specifications and a spending cap. Execution uses the actual dealer price on the purchase day. BFREE sources only from authorized UAE retail distributors and bullion dealers, not directly from refiners or mints. No pre-agreed buyback or future-price guarantee is part of purchase.
4. Charges, VAT and refundable buffer
The actual purchase statement identifies pure-metal value, minted/cast making charges, certificate/assay charge (including whether bundled), disclosed dealer additions, any legally due dealer VAT, and BFREE’s purchase service fee. Initially the service fee is 10% of pure-metal value plus disclosed dealer additions, excluding dealer VAT and refundable buffer. The 10% fee includes applicable service VAT: no additional 5% is added. For a standard-rated fee, VAT is inclusive fee × 5/105 and the exclusive fee is inclusive fee ÷ 1.05. Qualifying investment metal is zero-rated only when statutory purity and global-bullion-tradability conditions are satisfied; separately supplied services may differ. The quote and actual invoice disclose treatment. A stated refundable buffer may cover price, bank FX and transfer-fee fluctuation. Its unused balance is fully refundable, a client liability and neither revenue nor investment cost.
5. Payments and shortfall
Payment may go to BFREE’s identified UAE account or an identified local collection account. The approved bill states currency, bank/provider, collection route, conversion method, any disclosed BFREE quote rate, the executing bank/provider rate and transfer charges. The client bears disclosed transfer/conversion costs. No exchange margin is concealed in the metal price. If the requested specification costs more than available cleared funds, BFREE seeks a top-up, revised specification or cancellation instruction before exceeding authority. Substitution or quantity reduction requires consent. After execution BFREE reconciles costs and returns the full unused buffer/unspent balance within five UAE working days, subject to the limited delay clause below.
6. Ownership and possession
A quotation or cash transfer does not confer ownership of unpurchased metal. On completed spot purchase, payment to the dealer and allocation/delivery or legally effective constructive possession by BFREE as agent, the client owns 100% of the specifically identified whole bars. BFREE records dealer, time, weight, purity, serial/lot, seal, allocation and custody location and promptly supplies soft copies of receipt, certificate/assay evidence and allocation record. Bars are not BFREE assets and may not be pledged, lent, substituted, traded or used for another client. Purchase and later sale remain independent transactions at their respective day’s prices.
7. Segregated and uninsured custody
The client authorizes storage in BFREE’s secured UAE vaults or an approved dealer vault identified in the custody record. Each client’s metal is physically segregated and labelled with per-bar records and chain of custody. Storage is initially AED 0 for an unlimited holding period under the current tariff; this is not an irrevocable promise of free storage forever. BFREE provides no insurance or takaful. Clients are free to arrange their own insurance or takaful at their own cost with a provider of their choice. Any such policy is between the client and the chosen provider; BFREE does not act as insurer or guarantee its coverage or claims. BFREE will provide available ownership and custody documentation reasonably required for the client’s own cover. Except to the extent covered by the client’s independently arranged policy, the client expressly accepts uninsured theft, fire, damage, catastrophe and other loss exposure. This acknowledgement does not exclude BFREE liability for fraud, wilful misconduct, negligence, unauthorized use, failure to deliver allocated property or liability mandatory law cannot exclude. General UAE safety does not guarantee vault or asset safety. BFREE maintains access controls, movement records, reconciliation and incident reporting.
8. Inspection and withdrawal
The client may inspect or withdraw owned whole bars on at least five UAE working days’ notice, subject to identity/authority verification, vault arrangements and lawful restrictions. BFREE confirms the appointment or release. Delivery, export/import, transport, testing and third-party handling costs require prior disclosure and approval and are borne by the client if incurred. No extra revenue service is introduced by this agreement. Handover records the specific bars and closes their custody entry.
9. Separate sale mandate
Sale requires a new client instruction and confirmation of a current dated bid or expressly authorized minimum net amount. BFREE may sell to the original dealer, another approved corporate buyer/seller, or an eligible individual buyer, subject to screening, authentication, cleared payment and spot-possession requirements. No buyback price is pre-agreed. Where a reference price is quoted, dealer spread/margin is deducted once to obtain the actual bid; an already net bid is not discounted again. BFREE’s initial sale fee is 5% of actual metal sale consideration inclusive of applicable service VAT. Net proceeds equal buyer consideration less this fee, taxes legally due and previously disclosed approved costs. VAT is not automatically deducted from qualifying zero-rated metal. A dashboard reference price is not an executable offer.
10. Cancellation and remittance
The client may cancel at any time. Before execution BFREE returns cleared funds less disclosed, evidenced, unavoidable costs already incurred; an unearned purchase fee is not retained merely because an order was requested. After purchase, cancellation cannot reverse a completed spot purchase: the client directs physical withdrawal or a separate sale and solely bears costs and market losses. Sale proceeds are remitted within five UAE working days after completed sale and cleared buyer funds, subject to mandatory legal holds. UAE public holidays or documented force majeure extend the deadline only for the duration they actually prevent performance. BFREE reports cause, start/end and revised deadline and resumes promptly. UAE working days are Monday–Friday excluding announced UAE public holidays. UAE collection is AED or USD. Overseas remittance uses the chosen destination currency, executing bank/provider rate and disclosed charges.
11. Beneficiaries and succession
The client may nominate one or more beneficiaries or elect none. Client and nominated-beneficiary passports and relevant authority records are uploaded privately. A nomination is administrative and does not override mandatory succession law, Shariah inheritance shares, a valid will, estate debts or court order. Death/incapacity release requires lawful estate/representative authority. This agreement does not automatically gift metal to a nominee or guarantee an inheritance outcome.
12. Reports and decision support
The free app reports estimates, actual transactions, holdings, documents, communications and gross and estimated/realised net results over the client’s own holding period. Verified historical benchmarks may begin in 2000; gaps are identified. Pure-metal performance differs from after-cost performance. Data is labelled by source, time, unit, currency and reference/ask/bid status. Sell/hold suggestions apply transparent rules to the client’s target/liquidity needs and are not forecasts. The client decides when to sell. Past results do not assure future returns. Metals generate no interest or rental income and expose the client to price, spread, currency, liquidity and custody losses.
13. Prospective changes and records
BFREE may change tariffs prospectively with at least 30 calendar days’ in-app notice and an effective date. Changes do not retrospectively alter executed transactions. Each approved purchase/sale quote fixes its agreed fee version. New storage charges apply only from the notified effective date; the client may request sale/withdrawal before then. BFREE records the full accepted agreement/version, acceptance time, identity and separate execution consents. In-app notices are the primary channel; contact details must remain current. No additional revenue streams are included.
14. Data and governing terms
BFREE uses identity, beneficiary, payment and holdings data to administer agency, screen transactions, document ownership and meet mandatory recordkeeping duties. Access is limited to authorized staff and relevant dealers/vaults, banks, lawful providers and authorities as necessary. Passports and financial records are not public. A privacy/retention notice accompanies onboarding. UAE federal and applicable Umm Al Quwain law govern; competent UAE courts resolve disputes, subject to mandatory jurisdiction and consumer rights. Mandatory law prevails. The client confirms understanding of this English agreement, acceptance of agency, actual-price execution, segregation and uninsured custody, and retains a copy. Each separate quote/mandate specifies its product, spending cap and fee.