Deferred Settlement

An arrangement, much used in the London gold market, whereby settlement of both sides, of metal and money, of a spot contract is deferred on a day-to-day basis.


For example, a trader buys 2,000 ounces of gold spot at $300 per ounce. On the spot date, normally two working days following the deal, instead of dollars being paid and the gold being delivered, the trader’s dollar account will be debited with $600,000 and his metal account will be credited with 2,000 ounces of gold. Interest will be charged when the dollar account is in debit and paid when it is in credit.

Deferred settlement accounts are normally operated on the basis of loco London but are available in all markets. Thus a Middle East trader might buy 2,000 ounces in his morning from a Hong Kong trader, sell 2,000 ounces in London during his afternoon and buy it back again from New York during his evening. All the trades pass through the one deferred settlement account held in London and there is no movement of dollars or gold. This system is also known as metal account.