Are you wondering how to get the most money for your gold today—without stress and without “surprises” on the scale? This article is designed for the everyday seller: I’ll show you who to call, how to compare offers, how testing works (in front of your eyes), and I’ll give you scripts, tables, and mini calculations so you can reach a fair price within 90 minutes.
A Real Story in Three Sentences (and the Lesson)
Marko urgently needed €2,700 due to a boiler breakdown. He owned two 1 oz coins and one 100 g bar. He called three buyers, requested a spot-linked pricing formula, arranged testing in front of him—and within two hours he chose the highest net payout (without hidden analysis costs).
Result: about €180 more than he would have received from the first “approximate” offer.
Lesson: In gold buyback, the process wins—not luck.
Who Actually Buys Gold (and Who to Prioritize)
- Specialized bullion dealers – your first choice
+ Clear formulas (e.g., “1 oz coin: spot − 1.1%”), fast testing, immediate payment.
– For non-standard pieces (grains, dust, damaged assay), they may charge analysis or melting.
- Larger jewelry stores offering buyback
+ Available in many locations, testing in front of you.
– Jewelry usually priced at melt value; often not the best terms for investment coins/bars.
- Numismatic houses / auctions
+ Best option for rare coins (certified, collectible).
– Slower process, commissions; not optimal for regular bullion pieces.
- Pawn shops
+ Fast.
– Usually the lowest price. Useful only in emergencies.
Rule:
- Standard 1 oz coins and 50–100 g bars → start with specialized bullion buyers.
- Numismatics → numismatic dealer.
- Jewelry → expect melt-value pricing (purity × weight × spot).
Image: Do you know where and how to buy gold? One of the most common options for buying gold is physical gold, such as coins, bars, or jewelry.
The 90-Minute Plan (From First Call to Final Offer)
- Step 1 — Note the spot price in EUR (5 min)
- Convert USD/oz to EUR/oz (or €/g; 1 oz = 31.1035 g).
- This number is your base for comparing buyer formulas.
- Step 2 — Prepare your inventory (10 min)
- Write exact items (e.g., “1 oz Philharmoniker 2020, 2 pieces; 100 g XYZ bar, serial number”).
- Add condition (packaging/assay intact? scratches?).
- Step 3 — Call three buyers (30–40 min)
Use the script below. Request formulas and testing/payment terms. Record everything in a comparison table.
- Step 4 — Choose the highest net offer (10 min)
- Calculate: (spot − X%) × quantity − any analysis/delivery costs.
- Eliminate offers with unclear testing or “payment tomorrow.”
- Step 5 — Complete the transaction (20–30 min)
- Agree on appointment, testing in front of you, immediate payment (SEPA or legal cash limits).
- Request a written purchase receipt with full description.
Call Script (Read Verbatim)
“Hello. I’d like to sell [exact item] in [quantity]. Please provide a buyback formula linked to the spot price in EUR at [time/date]—for example, ‘1 oz coin: spot − X%.’ Is testing in front of me free (weight, dimensions, XRF, conductivity/ultrasound)? Is assay required for 100 g bars? When is payment and in what form (SEPA/cash)? Are there any costs (analysis, melting, payout)? Also, what is the validity period of the offer?”
If you get an “approximate price”:
“Thank you. For comparison I need a formula linked to spot (e.g., ‘spot − 1.1%’). Could you provide that?”
If melting is required for a standard coin/bar:
“This is a standard piece. Why is melting necessary? Do you accept ultrasound/conductivity + XRF as sufficient tests? If melting is required, who pays and when is it performed?”
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Comparison Table (Fill During Calls)
Buyer | Product | Formula | Net €/Piece | Costs | Testing | Payment | Notes |
A | 2× 1 oz | spot − 1,2 % | … | 0 € | Yes (XRF+ultra) | instant SEPA | – |
B | 2× 1 oz | “around 3.000 €” | – | unclear | unclear | “tomorrow” | reject |
C | 2× 1 oz | spot − 0,9 %, but 25 € analysis/piece | … | 50 € | yes | instant | unnecessary analysis |
Winner: highest net result, clear formula, transparent testing.
What Is “Fair”? Mini Calculation (Illustrative)
- Spot (EUR/oz) today at 11:00 = €3,120
- Provider A: spot − 1.1% → €3,085/piece → 2 pieces = €6,170
- Provider B: spot − 0.9%, €25 analysis/piece → (€3,092 − 25) = €3,067/piece → total €6,134
- Provider C: “around €3,000” → not comparable.
Conclusion: difference between A and B = €36 → choose A if testing and payment terms are better.
Image: Buying gold. What is a fair price? Many factors can affect the price of investment gold. Attention investors: the fair price of gold is primarily determined by the current economic and geopolitical environment.
How Testing Works (and What’s Acceptable)
Always in front of you:
- Weight and dimensions (scale + caliper).
- Magnet test: gold is not ferromagnetic (note: tungsten isn’t either—magnet is just a first filter).
- Electrical conductivity/resistance: gold has characteristic values; deviations reveal cores.
- Ultrasound/sound velocity: detects tungsten cores and laminations.
- XRF: reads surface composition (purity/alloy); combined with conductivity/ultrasound gives strong verification.
Melting/destructive testing?
Not standard for regular coins/bars. Used only if tests raise doubts or for non-standard pieces (grains, dust, damaged items). Always agree who pays and what happens if the item proves authentic.
Special Cases (and How to Handle Them)
- Damaged assay (bar): some buyers lower price; ask 2–3 others—many still buy at standard formula if tests confirm authenticity.
- Wear on coins: not an issue for bullion if weight/dimensions are correct.
- Fractional coins: expect wider buyback spreads than 1 oz.
- Jewelry: priced at melt value (purity × weight × spot − costs).
- Grains/dust: expect analysis/melting; unpredictable net outcome.
- Numismatics: rare coins → numismatic dealer; common coins → melt/bullion pricing.
Safety, Legality, Payment
- AML/KYC: identification and source-of-funds questions are normal for higher amounts.
- Payment: immediate (SEPA/cash within legal limits). Avoid “tomorrow.”
- Location: transact in a safe environment, not parking lots/back doors.
- Documentation: always request a receipt with item description, quantity, price, date.
Four Costly Mistakes Sellers Repeat
-
Accepting an “approximate” price.
→ Always request a formula (spot − X%) and validity. -
Selling to the first buyer.
→ Always collect three offers in the same time window. -
Agreeing to melting standard items without reason.
→ Non-destructive tests first. -
Missing paperwork.
→ Receipts, serial numbers, photos increase trust—and often price.
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Real-Life Scenarios
- “I need €2,500 by tonight.”
You have 3× 1 oz coins. Call three buyers, note formulas. Best offers spot − 1.0%, testing in front of you, instant SEPA. Within 90 minutes, sell two coins and keep one as reserve.
- “I have a 100 g bar but damaged packaging.”
One buyer lowers price by 1%. Another suggests ultrasound + XRF with no discount if OK. Third wants melting. Choose the second.
- “Inheritance: 14k jewelry and gold dust.”
Buyer recommends analysis/melting. Agree that analysis fee is waived if results confirm authenticity. Convert proceeds into standard coins for easier future selling.
Negotiation: Small Moves That Work
- Call when markets are open and buyers active.
- Sell multiple pieces together to negotiate a tighter spread.
- Ask for analysis fees to be waived if tests are clean.
- Prefer instant SEPA—safer and sometimes improves price.
- Mention you’re collecting three offers now—often narrows the spread.
Time-Saving Templates
Email/SMS request
Dear Sir/Madam,
I would like to sell [quantity + exact item]. Please provide a spot-linked buyback formula in EUR at [date/time] (e.g., “spot − 1.1%”), information about testing in front of me (weight, dimensions, XRF, conductivity/ultrasound), costs (analysis/melting), payment method (SEPA/cash), and offer validity period.
Thank you, [name, phone]
Summary in Three Lines
- Three offers at the same time, always spot-linked formulas.
- Testing in front of you + immediate payment.
- Standard pieces = best net return; jewelry/dust = melt value and costs.
FAQ
Three offers at the same time, same formula (spot − X%) for the same product. Choose the highest net.
Yes. Weight, dimensions, magnet as minimum; serious buyers also use XRF and conductivity/ultrasound. Melting only when justified.
Because buyback is based on melt value, not retail price.
Often yes, but legal limits and AML rules apply. SEPA is usually faster and safer.
1 oz coins and 50–100 g bars from recognized mints. Slowest: dust, grains, damaged/non-standard items.
