Alexandre, what do you mean "gold does not dissolve"?
That is true - silver is far more reactive and its anti-microbial activity is well known. But you can`t tell that gold is safe and it does not perturb cell chemistry. We do not know it yet. To the best of my knowledge the toxicity of gold nanoparticles depends on their size, shape and coating. It is possible to create "safe" (or meaby safer than others) specimen as well as very toxic. It all depends on what do you want to kill.
Dear Shanmugam, it all depends on what do you want to kill - bacteria, virus, living cell. And what kind of toxicity you are about (meaning mechanical rupture of cells or disturbing some biochemical paths inside the cell).
Historically gold is not that much toxic in nature either in mamal cells or bacteria. The toxicty do depends on the metals, size, shape, surface charge etc. Silver is the best possible antibacterial agent so far due to its inherent property to generate ROS, damage the bacterial membrane etc.
Check this paper:
"Potential theranostics applications of biosynthesized silver nanoparticles"
As Alexandre suggested - safe to say that silver ions concentration is by order of magnitude higher than that of gold ions (if any) and antimicrobial activity of silver is determined by silver ions released.