Compare the Final Price
Compare the same product, weight, purity, quantity, payment method, and delivery option. The advertised premium may exclude taxes, card fees, shipping, insurance, or storage.
Check Authenticity and Delivery
Confirm the manufacturer or mint, product condition, packaging, assay or verification method, delivery schedule, insurance coverage, and procedure for reporting a problem.
Understand Payment and Cancellation Terms
Different payment methods may have different prices, settlement periods, refund rules, or cancellation charges. Read the seller’s written terms before submitting an order.
Review Storage Arrangements
If storage is offered, determine who owns the metal, whether specific items are allocated to the customer, where they are held, who audits them, what insurance applies, and how withdrawal works.
Ask About Repurchase
Request a current repurchase quotation for the exact product and ask how the price is calculated. A purchase premium is not necessarily recovered when the product is sold.
Warning Signs
- Important fees appear only at checkout
- Product identity, purity, or delivery terms are unclear
- Repurchase or cancellation terms are not provided in writing
- Claims of guaranteed returns or risk-free appreciation
- Pressure to make an immediate decision
No fixed percentage is a universally fair dealer premium. Prices and terms vary by product, seller, location, quantity, payment method, and market conditions.
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