How to buy gold bars from a bank. Features of investing money in gold and other precious metals in the form of bars

When choosing a convenient instrument for investing funds, with the possibility of further donation or resale, experts recommend finding out how to buy at Sberbank. Many individuals and legal entities note that investing in precious metals has a number of advantages over transactions with currency and securities, including:

• Risk diversification and protection against inflation.
• Compact and easy to pack.
• Minimal likelihood of physical damage.

Gold is a reliable way to save money at all times, it is highly liquid and easy to convert into cash. Precious metals have their own value, determined by quotes from other currencies (, euro, etc.). To increase confidence in the stability of savings, experts recommend placing part of your capital in precious metals.

The growing popularity of precious metals is explained by investors' uncertainty about conventional financial instruments. The maximum peak is reached during periods of unstable market conditions. Gold provides partial or complete protection of assets from economic shocks.

Why Sberbank?

Sberbank is the first financial institution, which received a license from the Central Bank of the Russian Federation to conduct operations with precious metals, and is the permanent leader in this direction. The company also occupies high positions in the reliability rating in terms of equity capital, public and business trust. The stability of the organization has been tested since 1841, when the first Sberbank office was opened.

The network of branches of the state organization covers all regions of the country. In remote areas, it usually acts as the only company engaged in the sale or purchase of precious metal bars.

Bullion price in Sberbank

The price of gold in the SB is set 2 times a day (as information is received from the Central Bank of the Russian Federation, which relies on data from the London Stock Exchange) and changes depending on consumer demand, the economic situation in the country, weekends or holidays.

The official website of the company or other online sources will help you find out how much 1 g of gold costs in Sberbank. When making a purchase, you should familiarize yourself with the list of specific branches that carry out transactions with precious metals and their offers. It is important to consider that the greater the weight of the product, the lower the price.

1 gram gold bar

For example, the cost of a 999 fine ingot weighing 1 year will be afraid in 2762 RUR., and upon purchase 100g the client will pay RUB 247,918 which in recalculation will be close to 300 rubles. savings on every gram of gold. Remember this!

Types of ingots

The choice of investment gold at Sberbank depends on weight, production method and packaging.

SB offers measured and standard ingots produced by domestic refining organizations. Measured products with a pure metal content (sample*) of at least 99.99% have a weight of 1, 5, 10, 50 and 100 g, as well as 250, 500 and 1000 g.

The weight of standard ingots varies from 11,000 to 13,300 g. The best option would be to purchase products of the medium weight category - from 10 to 250 g.

Preparation method:

1. Stamped. They are produced by pressing a stamp onto hot metal and are distinguished by their rectangular shape and smooth finish.

2. Cast products, obtained from liquid metal. The molds for their manufacture have a rectangular base and a curved top.

3. Powder options, obtained from an electrolytically formed mass of powdered gold, but in Russian banks they are rare.

Typically, stamped gold is more expensive than cast gold (it is bought for melting down into jewelry). Ingots weighing up to 100 g are formed by the stamping method, and products weighing 250, 500, 1000 g are found in cast and powder versions.

Package. Gold bars are sold by credit institutions in plastic or polyethylene packaging, and gift cases are provided. When purchasing a suitable option, you should remember that damage to the packaging will reduce the liquidity of the product.

Process of buying and selling gold bar

According to the current legislation of the Russian Federation, the bank must have all the conditions for conducting operations with precious metals in physical form, including the presence of a specially equipped room (storage), scales with an accuracy of 0.01 g and competent employees. A list of departments with addresses and contacts that allow transactions with precious metals can be found on the bank’s website.

Note! Many branches have permission to sell bullion without buyback.

To purchase precious metals, individuals are required to provide an original passport or other identification document. A legal entity or individual entrepreneur presents a certificate of registration with the tax office. Transactions may be carried out by authorized persons (upon provision of a notarized agreement).

How is the transaction carried out? When conducting transactions involving the purchase/sale of gold bars, a bank employee takes responsibility for visual control, recalculation, determination of weight and verification of results in accordance with quality certificates. Weighing equipment is placed so that the consumer can verify the accuracy of the results.

On the planet. It is rarely found in nature pure form, it is mainly obtained as a mixture of different components. Exists a large number of other, more expensive and rare precious metals, but for some reason it is the gold bar that enjoys universal love and recognition.

Main characteristics

Gold is not only a beautiful metal with a lot of positive characteristics, but also an alloy that is not subject to oxidation and does not darken over time. It can act as a conductor and is widely used for medical purposes. Due to its properties, gold products are incredibly durable, and due to its antiseptic properties, it is used in some medicines and cosmetics.

This precious metal has an incredibly high density, so even the small size of gold bars provides a decent weight to the product. For example, a small ball with a diameter of only 5 cm weighs more than a kilogram. Used in many areas of life, this metal can also be called an excellent means of investing money. This hard currency can be exchanged for the money of any country in the world.

Gold Investments

At all times, experienced people kept a certain part of their money in gold equivalent and thus avoided economic problems during all kinds of crisis situations. It is a safe and stable investment whose main purpose is to preserve the value of money.

Gold bullion is a great option for storing money for those who are tired of constantly checking financial news and price jumps, as there is no need for it. For getting rich quick, gold is not the best suitable option, since it is designed for the long term.

National bars of Sberbank of Russia

Gold is long term and profitable investment. Upon purchase, identification is required and tax is paid unless the bullion is kept in a special metal account at the bank. Under the conditions offered by the Russian Sberbank, gold bullion can be purchased by both individuals and legal entities.

The main advantage of buying a precious metal is its complete safety, regardless of the financial situation of the bank or, for example, its bankruptcy. Also gold is not tied to legislative framework state, and it can be implemented in any country in the world.

Nowadays, buying this metal in a bank is very popular among the population. At a time when no currency in the world can be called stable, gold coins and bars are a model of constancy, and their prices do not fall, but even vice versa. Bank bars are cast not only from gold. Silver, platinum and palladium are also used for this. A gold bar of 999 purity purchased from a bank does not contain foreign impurities.

Measured (cast) and standard (stamped)

Compared to standard ones, measured gold bars look more beautiful. Photos of them can be seen in this article. Measured ingots of the purest standard are produced in different weights: from 1 gram to 1 kilogram. The following requirements apply to them:

• Indication of length and width, as well as the maximum permissible error in weight.
• Smooth and clean surface without any defects or damage.
• Availability of clear markings and a certificate indicating the name of the country, weight and other data.

State standards determine how many kg a gold bar should contain.

Stamped gold bars also have their own characteristics:

• 999 standard and large sizes: from 11 to 13.5 kg.
• As a rule, the shape of the ingot is made in the form of a regular truncated pyramid.
• No visible external damage, with the exception of stripping or dents up to 5 mm deep.
• Availability of markings with certain information.

What determines the price of a bank bullion?

Changes in the price of gold bars may be influenced by several factors, namely:

• Additional costs for delivery, insurance, bank markup.
• Manufacturer's logo.
• Cast or stamped production technology.
• A corresponding certificate that should not be lost unless you intend to lose a percentage of the value of the bullion.
• Safety of the ingot packaging.
• Dependence of weight and size: if the gold bar is large, therefore, its price per gram will be less.
• Appearance, scratches or other defects.

New world record

Until recently, the record holder for its weight was a gold bar in Taiwan weighing 220 kilograms. The Japanese surpassed this result by casting a precious piece weighing 250 kilograms and costing 12.5 million dollars, and submitted an application for this to the Guinness Book of Records.

There is a statement that the smaller the weight of the ingot, the more expensive each gram is worth. And the larger its size, the cheaper it will be per gram of yellow metal. But if you look at the huge gold bars (the photographs clearly demonstrate them), you can doubt the veracity of this statement.

Pros and cons of this type of investment

Before investing in gold, you need to carefully weigh all the pros and cons of this venture. Among the advantages, it is worth mentioning protection against inflation, a simple process of buying and selling, the internationality of the currency, as well as a gradual increase in value.

However, the investment process also comes with some negative aspects. First, you need to pay tax, which is 18% of the amount. Therefore, it will be completely unprofitable to buy and immediately sell an ingot, since this acquisition only pays off in the long term.

Storing gold at home comes with certain risks. In addition, even slight damage to the integrity of the ingot or its packaging can radically affect its price. Bank custody services also cost money.

To protect yourself from sudden changes in the political or economic life of society, it is recommended to invest from 10 to 30% of your savings in gold. Then, approaching retirement age, you don’t have to worry about lack of funds. Gold can be sold slowly or left to your descendants.

In the days of Jack London, strong, rugged men panned for gold sand in difficult conditions and carried it in leather bags attached to their belts. It was a romantic time. Nowadays men prefer to buy gold in bullion and store it in safe safes. What types of gold bars are there and how much precious metal do they contain?

Production of ingots and basic requirements for them

There are three known ways to obtain gold bars:

Each state has its own national standards for the production of gold bars, but the basic requirements for product quality are the same:

1. The gold bar must have an acceptable weight, and the metal itself must have a purity of at least 999.
2. The shape and dimensions of products must comply with the conditions of the standard.

Each product displays its main parameters:

Products are produced in different sizes with different weights. Ingots with parameters close to the London standard (London good delivery) are accepted for worldwide trading.

One gold bar that meets this criterion is shaped like a truncated pyramid with rounded edges. Its weight is between 350–450 troy ounces (10886–13754 grams).

You can purchase precious metal at specialized exchanges and banks. If the mass of the brick is less than 1 kg, then you can buy it in jewelry stores. If desired, you can purchase securities that correspond to the equivalent of the product. In this case, the bullion itself can be stored in a bank safe deposit box.

Standard weights and types of gold bars

The right to produce gold bars is granted to special enterprises called refineries. They produce two types of products:

Such products are produced by casting. Their detailed characteristics are specified in GOST 28058–89. They are shaped like a truncated pyramid and contain at least 99.95% gold. The surface of the products should be free of sagging, burrs, plaque and foreign inclusions.

Concavities up to 5 mm deep and cleaned areas are acceptable. This is due to the method of production. Each ingot is stamped and the product is provided with a document.

How much does a standard gold bar weigh? Its weight can be in the range of 11000–13000 grams. The mass of 1 ingot is usually determined by the customer according to the conditions of his production.

Ingots

Product sizes and certificate

The amount of weight deviation in the ingot is permissible only within positive side. It can be from +0.03 to +0.10 grams. Each denomination has its own length and width limits. The thickness of the products is not regulated.

For example, a cast ingot weighing 100 g should have a length of 40.0–43.0 mm and a width of 20.0–23.0 mm. Its designation is SLZ 100. A stamped product of the same weight - SSHZ 100 - will have a length of 54.0–56.0 mm and a width of 31.0–33.0 mm. Refineries produce a large number of ingots of various denominations.

Each ingot is sold together with a certificate indicating the weight of the product. The certificate also lists the parameters displayed on front side ingot. Using these indicators, it is easy to find out the manufacturing company, because each plant uses unique code letters. Thus, the Novosibirsk refinery indicates the letters “NV” before the number, the Krasnoyarsk refinery - “Kr”, the Yekaterinburg - “Ek” and so on.

Areas of use

The most famous use of gold is, of course, the jewelry industry. Many people prefer jewelry made from this precious metal.

In its pure form, gold is a soft, quickly abrading material. Jewelers add various impurities to it and obtain more stable alloys, which are called red, rose, and white gold. They make their amazing jewelry from this colored gold.

In its pure form, gold is used in the electronics industry in the production of integrated circuits, high-quality audio connectors, in robotics, and the medical industry. The demand for the precious metal in radio electronics is due to its anti-corrosion properties.

There are several options for producing ingots:

1. Stamping is a rather expensive method. Made using this method, they weigh no more than 500 grams;
2. Casting - gold is cast into molds, after which it undergoes further processing;
3. Electrolytic method (powder). This method, although considered simple and cheap, does not meet Russian quality standards.

Ingots

They are manufactured by Russian and foreign factories in accordance with international standards. Pure gold bullion accounts for 99.9 percent of the total mass. Their weight is no more than a thousand grams, but in terms of size there are no restrictions. They make up the lion's share of all bullion and are in great demand among those who like to invest their money in precious metals.

I distinguish two types of these products:

1. Cast. Such bars range from one hundred grams to one kilogram;
2. Stamped. Small products, from 1 to 500 grams.

Those interested can agree on the form with the manufacturer. There are no thickness restrictions. But there are precise instructions regarding labeling.

All bars must be clearly marked on the front side (may also be on the back). The inscriptions can be either depressed or convex (but no more than 1 mm deep). The ingot number must be included.

There are standard 1 gram samples, but they are extremely difficult to find in jars. It's easier to order from the manufacturer.

Standard gold bars

As for standard samples, they are made in the same factories as measured ones, but they are marked and made strictly according to state standards. gold reserve Russian Federation

stored exactly in this form. The gold content in them is 99.95 percent and higher. No damage, stains, scratches or dents are allowed. Concavity of the metal on the front side is allowed no more than five millimeters.

How much can they weigh

As written above, ingots can be measured or standard. The weight of standard samples is strictly regulated - from 11,000 to 13,300 grams. With measuring bars it is somewhat simpler, they can be: 1 kilogram (the most popular), as well as 500, 250, 100, 50, 20, 10 and 1 gram. The latest record for the Guinness Book of Records was set by the Japanese. They cast a sample weighing 250 kilograms.

What types of ingots are there?

According to Russian legislation and quality standards, gold bullion produced on the territory of the Russian Federation must have a net weight of at least 999.9.

That is, the amount of gold, for example, in measured ingots according to Russian standards cannot be less than 99.9 percent, and in standard ingots 99.95 percent of gold.

How much does a gold bar cost?

Gold prices, like any other world currency, change not only every day, but also every hour, so it is quite difficult to say the exact price of bullion.

1. Today prices (including 18% VAT) for gold bars in standard packaging will look something like this:
2. 1 gram – 3,184.00 rubles;
3. 5 grams – 14,856.00 rubles;
4. 10 grams – 29,476.00 rubles;
5. 20 grams – 58,599.00 rubles;
6. 50 grams – 145,612.00 rubles;
7. 100 grams – 290,162.00 rubles;
8. 250 grams – 723,694.00 rubles;
9. 500 grams – 1,446,326.00 rubles;

1000 grams 2,891,354.00 rubles.

How to buy an ingot

1. It can be sold to a person if he has any of the following documents:
2. Passports of a citizen of Russia or another country;
3. Identification;
4. Military ID;

Refugee certificate.

It is almost impossible to buy foreign-made gold bullion in Russia. The duty level is so high that it completely discourages foreign producers from selling their gold on our territory.

There are various GOST standards for measured (from one gram to a kilogram) and standard (from 11,000 to 13,300 grams) ingots.

The Russian quality standard fully complies with international standards.

1. In accordance with the standards in force in the Russian Federation, stains, scratches and dents are not allowed on the product.
2. The following inscriptions are required on the product:
3. Country Russia);

Name (Gold); Manufacturer's mark., in accordance with domestic quality standards.

How to sell it

Selling gold in our country is somewhat more difficult than buying it. Here's what it has to do with it:

1. For some reason, there are much fewer banks that buy gold than banks that sell it. Let's say the bank has a license to buy and sell noble metals and they will sell you gold at any branch of this bank. It seems that by law you must accept these bullion at any other licensed bank. But in reality it turns out that this is not entirely true. The bank may say that “there is no equipment” or “there is no gold expert.”
2. If you have lost the certificate with the receipt for your product or it is damaged, additional problems and losses in money cannot be avoided.
3. Therefore, when purchasing, be sure to make sure that along with the bar you are given a certificate (often the gold is directly packed into it) and a receipt, which must contain the bar number.
4. Some banks may ask you to give your gold for inspection to a specialist from the bank to which you are selling your gold. At the same time, you may also be asked to pay an additional fee for this. Of course, there are organizations that carry out this procedure completely free of charge. Naturally, if you sell your gold to them.

There is another option in which you cannot sell your gold to another bank.

That is why the concepts of “our own” and “someone else’s” gold appeared among the people. That is, the bank agrees to buy its own gold bars (those that it sold itself), but categorically refuses to buy others’. This often happens when a bank puts special marks on certificates when selling gold bars. The buyer is explained that the bank thus keeps records of the bullion. They may also say that when selling the bullion to the same bank there will be no need for an examination; it will be enough to show a certificate with the bank’s stamp. The arguments seem reasonable, but after a few years, when a person decides to sell his gold, it suddenly turns out that this bank no longer exists, and other banks do not want to accept “other people’s”. Therefore, in order to avoid similar problems in the future, it is better to immediately buy gold bars from reputable manufacturers, with all the required documentation, but without any “distinctive” bank marks. By doing this you will significantly save yourself both nerve cells and money. But for this you need to have large funds and invest them for a long time. A serious obstacle on this path is the 18 percent VAT on the cost of gold.

Moreover, after the sale, no one will return it to you. Alternatively, you can leave the gold in the same bank. VAT will be charged to you only when you leave the bank’s premises with the gold. But then you will have to pay the bank to store your gold.

There are also various kinds of “metal accounts” in banks. They will save you from VAT and eliminate the hassle of storing bullion. But they won’t be able to give you the unique feeling of owning a precious metal!

A gold bar is a form for storing a precious metal that has material value. Currently, gold not only has not lost its relevance as a resource, but has also become a more sought-after metal on the world market. Electronic technologies are developing that require the production of microcircuits using noble, corrosion-resistant gold.

Gold bars

Ingots

With sharp fluctuations in the ruble and foreign currencies, gold bars become a reliable investment for many Russians. However, there are difficulties - you have to pay a fairly large tax for storing precious metals.

According to manufacturing technology, ingots can be cast, stamped, or powdered. Measured ingots are used for storing gold by the population, standard ingots are used for melting into other products.

Measured gold bars are bars weighing up to 1 kilogram and having a fineness of 999.9. They are marked with weight and manufacturer. Such ingots are manufactured according to the Russian standard - GOST R 51572-2000.

Requirements for ingots:

1. For each denomination of ingots, deviations in the following parameters are allowed: length, width and thickness.
2. It is possible to change the shape and size of the bars, which is specified in the transaction agreement.
3. The presence of dirt, grease stains, and scratches on the metal surface is unacceptable.
4. Due to the softness of gold, bars can become deformed over time and take on a different shape - convex, concave. The surface may become wavy.
5. The marking can be either curved or convex, but legibility in indicating the mass of the ingot is required. Correction of the inscription is unacceptable.
6. The presence of a distinctive sign on one or more sides of the product is permitted.

Mandatory markings on domestic ingots:

• “Russia”, circled in an oval;
• mass in numbers;
• the name of the metal is “Gold”;
• sample or share;
• manufacturer's mark.

The registration number of the ingot is indicated below.

Many banks offer measured gold bars. Sberbank is the leader in Russia in exchange Money on precious metal and its storage. Other banks also sell gold and offer storage services.

Gold bars of different denominations

Yellow currency is stored both in the form of coins and in the form of bars of different weights. How much does a gold bar weigh? There are several denominations: 1, 5, 10, 20, 50, 100, 250, 500, 1000 grams. The metal purity in measured ingots is standardized and amounts to 999.9, which corresponds to the Russian state standard. The production of ingots and their marking are carried out by refineries.

Sberbank branches sell bullion at the following prices:

1. A whole gold bar weighing 1 gram costs about 1850 rubles if the bank buys the gold. Banks sell a similar resource at much higher prices - 2700-2900 rubles per 1-gram denomination. This price includes value added tax.
2. 5 gram denomination cans sell for 12,400-12,700 rubles. Banks can accept the same gold bar from the population, depending on its technical condition, for a cost of 9200-9400 rubles.
3. A ten-gram standard bar of yellow metal will cost the buyer approximately 24,000 rubles, while it can be sold to a jar for 18,000 rubles.
4. A denomination of 20 grams is valued by banks at about 49,000 rubles. The sale of the same measured ingot will bring its owner about 36,000.
5. A 50-gram gold bar will cost the buyer approximately 121,000 rubles. A bank can accept 50 grams of refined gold from a private person in exchange for about 92,000 rubles.
6. Banks sell a 100-gram gold bar for 242 thousand Russian rubles. A private person can sell the same gold bar for a price of about 184,000 Russian rubles.
7. A quarter kilogram of a refined gold bar will cost the buyer 603,000. Among the population, banks accept bars weighing 250 grams for approximately 460,000 rubles.
8. The price of a half-kilogram ingot is about 1,205,000 rubles. A private individual can sell his 500-gram supply for 921,000 rubles.
9. A gold bar weighing one kilogram costs 2,408,700 rubles in Sberbank branches. They accept similar bars for sale at a cost of 1,843,000 rubles. Value added tax of 18% is also taken into account.

Some bars are produced in special packaging that protects them from dirt and grease, as well as damage.

Bank gold in measured gold bars is also produced in 585 standard, the content of the main metal in which is 58.5%. The remaining share comes from the alloy - other metals that give strength to the ingots.

Standard Ingots

Standard gold bars are used in production, and they are produced in accordance with Russian GOST 28058-89. Used for melting into other items: wires, jewelry, parts, microcircuits. Manufactured to London Association standard. How much does a standard gold bar weigh? Weight ranges from 11 to 13.3 kilograms.

Requirements for such ingots:

1. Shape - truncated pyramid.
2. Dimensions of ingots can be changed by agreement.
3. Flaws up to 5 mm deep are allowed.
4. The surface should be free of grease and dirt.
5. Markings are present on the lower base of the ingot pyramid.

The bottom base of the pyramid contains the following information:

• brand of gold;
• registration number;
• ingot weight;
• sample number;
• manufacturer identifier;
• Year of manufacture.

Manufacturing technology

According to production technology, ingots are:

• stamped;
• cast;
• powder.

The mass of stamped bars is up to 500 grams. They are marked SSHZ. These are the most expensive types of bullion.

Cast gold bars are cheaper than stamped ones and are designated SLZ. Powder bars are made from powder by electrolytic deposition and are the cheapest to produce. Therefore, powder ingots will be cheaper.

Conclusion

Despite the fact that gold bullion is a way to save material resources from depreciation, such goods are subject to a large value added tax of 18% upon purchase and sale. This is a barrier for many individuals wishing to invest in precious metals.