Interactions between functionalized noble-metal particles in aqueous solution are central to applications relying on controlled equilibrium association. Herein we obtain the potentials of mean force (PMF) for pair-interactions between functionalized gold nanoparticles (AuNPs) in physiological saline, based upon > 1000-ns experiments in silico of all-atom model systems under equilibrium and nonequilibrium conditions. Four types of functionalization are built by coating the globular Au144 cluster each with 60 thiolate groups: GS-AuNP (glutathionate), PhS-AuNP (thiophenol), CyS-AuNP (cysteinyl), and p-APhS-AuNP (para-aminothiophenol), which are, respectively, negatively charged, hydrophobic (neutral-nonpolar), hydrophilic (neutral-polar), and positively charged at neutral pH. The results confirm the behaviour expected of neutral (hydrophilic or hydrophobic) particles in dilute aqueous environment, but the PMF curves demonstrate that the charged AuNPs interact with one another in a unique way — mediated by H2O molecules and electrolyte (Na+,Cl−) — in a physiological environment. In the case of two GS-AuNPs, the excess, neutralizing Na+ ions form a mobile (or ‘dynamic’) cloud of enhanced concentration between like-charged GS-AuNPs, inducing a moderate attraction (~ 25-kT) between them. And, to a lesser degree, for a pair of p-APhS-AuNPs, the excess, neutralizing Cl− ions (less mobile than Na+) also form a cloud of higher concentration between the two like-charged p-APhS-AuNPs, inducing weaker yet significant attractions (~ 12-kT). In the combination of one GS- and one p-APhS-AuNP, the direct, attractive Coulombic force is completely screened out while the solvation effects give rise to moderate repulsion between the two unlike-charged AuNPs.