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Payments and price lock-in

The price of investment bars and coins depends on the price of investment precious metals on the exchange and the exchange rate. We update the sale and buyback prices after 6 p.m. (Central European Time) on Mondays to Fridays. Paying promptly for the investment bars and coins you have ordered will ensure you can lock in the price.

Step 1

Your payment

Step 2

Payment processing

Step 3

Locking in the price of the investment metal you buy

We do not accept cash payments. You can pay for your purchases and make regular payments towards your savings schemes by wire transfer or depositing cash into an IBIS InGold bank account.

Payment details for your payments can be found in the purchase contract and in the order confirmation, and can be accessed at any time in your customer account. Please include your contract number in the transaction description (or as the variable symbol of the payment).

Incoming payments are processed every business day after 11 a.m. For payments credited to our bank account, we lock in the price of the investment metals purchased.

Good to know

saving schemes iiplan®

  • The first payment for iiplan® savings schemes needs to be sent from the bank account you specified in the draft contract. This payment confirms your acceptance of the contract (your signing of the contract). Subsequent payments can be made from any bank account of your choice.

  • Under savings schemes, you buy investment bars or coins on a rolling basis. The price of the part of the weight of the bar corresponding to the amount of the payment sent is always locked in.

  • You can also send an unscheduled payment to your savings plan at any time you wish. This will buy you more investment metal and speed up the purchase of a bar or coin. There is no need to announce such a payment. The payment details are the same as regular payments.

One-off purchase

  • For one-off purchases up to 4 000,00 EUR, we lock in the price of investment bars and coins for four business days. You must make payment for your order within this time. If you pay later, you will be purchasing at the prices in effect at the time the payment is processed.

Good advice is worth its weight in gold

Let us know how we can help you.

+420 568 408 088

[email protected]

What you ask us most often…

Your purchases and contract payments are listed in your customer account. If you have a savings scheme, you will also see the current price of your purchase at the time your payment was processed and how many grams have been locked in (purchased) with your payment.

The most common reason a payment cannot be processed is that the transaction description is missing or the contract number to which the payment is to be credited has not been specified. Check your payment and, if necessary, contact our customer service line. Once the payment has been verified and the details identifying the payment have been added, we will credit it to your contract and proceed with the purchase of the metal. The price applicable at the time the payment is processed will be the locked-in price.

Investment bars and coins fluctuate in response to the price of precious metals on the exchange and the exchange rate. As a result, the price is updated every business day. For one-off purchases over 4 000,00 EUR, the price is locked in as soon as the payment is credited. This means there may be a price change between the date of the order and the date on which the payment is processed, which may result in an outstanding balance being calculated. Naturally, the opposite situation may also occur, where the price of gold drops and an overpayment appears for your order. This will be refunded to you.

Contract revisions

They say the only constant in life is change. Has anything changed that you need to update in your contract? You can edit your personal and contact information in your customer account. However, these changes will only be reflected in subsequent contracts you enter into. If you need to revise an iiplan® contract you have already entered into, you can modify it with an appendix.

What can you edit or change in your contract?

  • Surname and residential address

  • Delivery address

  • Shipping method

  • Amount of savings

  • The person who is the buyer

Adjusting your iiplan® savings

Please notify us if you change your surname, residential address or delivery address so that investment bars and coins can reach you safely.

If you need to change the way you save (e.g. adjust the amount or frequency of your regular payments), it is not necessary to notify us of the change. All you need do is modify your standing order with your bank. You can also interrupt your savings if necessary. The contract will remain active, and you can resume your savings at any time. There are no penalties or fees for reducing, suspending or resuming payments.

Do you have spare funds that you would like to use to buy investment metals? You are free to send unscheduled payments to your savings scheme at any time and amount. We will not require any notification from you in this case either.

Contract amendment
Transfer of an iiplan® contract to another person

You can transfer the savings you have tied up in precious metals to someone else – perhaps one of your children or grandchildren. If interested, please get in touch with our customer service line.

Good advice is worth its weight in gold

Let us know how we can help you.

+420 568 408 088

[email protected]

Delivery of bars and coins

When you make a one-off purchase of investment precious metals, we always ship them to the address you provide within 48 hours. They are always marked for delivery directly to the addressee. If you have a savings scheme, we ship according to your instructions. Once you have saved up for a complete bar or coin, you can have it sent to you or you can put a hold on shipping and keep it at IBIS InGold free of charge for the duration of the contract.

Delivery directly to the addressee

We use the services of Czech Post (and its contractual partners in other countries) or UPS to make deliveries. Items are discreetly packaged, and shipments are always insured to the full value of the shipped goods. Packages are shipped within 48 hours of payment. We will send you an email to notify you of the shipment.

Shipping fees and a description of the services of delivery companies can be found in the Fee and Service Price List (here).

Free storage

Shipping can be postponed, with bars and coins then stored at IBIS InGold for free, only if you have an iiplan® savings product. We store investment bars and coins in vaults that meet the highest security standards, just like the vaults at central banks.

Good advice is worth its weight in gold

Let us know how we can help you.

+420 568 408 088

[email protected]

What else do you want to know?

As soon as items have been handed over for delivery, we will email you the shipment tracking number and a link so that you can track the progress of the delivery. The delivery time/date is usually specified by the delivery companies themselves.

You can collect bars and coins in person at the IBIS InGold head office in Moravské Budějovice if you make an appointment at least three days in advance. You can send us your request by email or via the customer service line. For purchases up to 40 000,00 EUR, you will be charged a fee for personal collection. For purchases above this value, the service is free (see the Fee and Service Price List).

+420 568 408 088

[email protected]

The easiest way is to call the IBIS InGold customer service line. Once agreed, we will draw up and email you an appendix for the shipping of your bars or coins. Check the document, sign it, have your signature authenticated and then send it by post (or electronically via data box) to the company’s address for correspondence.

IBIS InGold, a. s., Jiráskova 908, 676 02 Moravské Budějovice, Česká republika

Once we have processed your appendix, we will ship your purchased bars or coins within 48 hours. As a result, you will have your bars or coins very quickly.

Buyback

For us, buybacks are as important as the actual sale of precious metals. For this reason, we guarantee customers that we will buyback the bars and coins they have purchased from IBIS InGold. We update buyback prices in response to the price of investment metals on the exchange and the exchange rate after 6 p.m. (Central European Time) from Mondays to Fridays. The buyback is straightforward and hassle-free.

Step 1

Buyback request

Step 2

Delivery of bars and coins to be bought back

Step 3

Notification of the binding buyback price

Step 4

Submission of the buyback price

Under iiplan® savings schemes, the buyback of complete investment bars and coins that have been saved up can also be requested during the term of the contract.

The buyback price published in the Buyback Price List (here) does not become binding until the items that are to be bought back have been delivered to our company’s address, and the investment bars and coins (including the certificate) have been physically checked for authenticity, fineness and general integrity.

Buyback procedure step-by-step

  • Fill in the Buyback Request form (downloadable here).

  • Place the bar or coin in a padded envelope (or otherwise secure it against damage). Insert the completed request form and the bar or coin in a security envelope (available at any post office), insure it to the full value and send it as an insured package (valeur déclarée) to this address:

    IBIS InGold, a. s., Jiráskova 908, 676 02 Moravské Budějovice, Česká republika

    You may deliver investment bars and coins for buyback at the IBIS InGold head office by making an appointment with our customer service line. The buyback price is always paid as a cashless transaction.

  • Once we have received and physically verified the authenticity, fineness and overall integrity of the goods, we will send you an email confirmation of the delivery of the goods to be bought back and tell you the binding buyback price. The buyback price is set according to the price list (Buyback Price List) applicable on the day on which your consignment is delivered to the IBIS InGold head office.

  • We will remit the binding buyback price to the bank account specified in the Buyback Request within 48 hours of notification.

Procedure for buyback from Slovakia

  • Fill in the Buyback Request form (downloadable here).

  • Place the buyback item in a padded envelope. Insert the completed request form and item in a plastic envelope as sold by branches of Slovak Post. When sending bars and coins as an insured package, ensure they are securely packaged inside so that the plastic envelope cannot be damaged during handling (e.g. cut through by the edge of the certificate). The bars and coins you are sending must not protrude from the plastic envelope. Insure the insured package for loss, theft or damage up to the value stated at the time it is posted. The maximum buyback price paid by IBIS InGold for buybacks sent by post is 20 000,00 EUR (i.e. no items exceeding this insured sum may be included in the package sent for buyback).

  • Packages containing items for buyback up to the insured sum 1 000,00 EUR may be sent directly to the IBIS InGold head office:

    IBIS InGold, a. s., Jiráskova 908, 676 02 Moravské Budějovice, Česká republika

    The maximum weight of a shipment is 10 kg.

  • Shipments with a value greater than 1 000,00 EUR but with a maximum insured sum up to 20 000,00 EUR may be sent as a domestic shipment to the IBIS InGold PO Box address:

    IBIS InGold, a. s., P. O. BOX 8, Bratislavská 283, 908 01 Kúty.

    The maximum weight of a shipment is 30 kg.

  • Once we have received and physically verified the authenticity, fineness and overall integrity of goods delivered to the IBIS InGold head office (shipments with an insured sum up to 1 000,00 EUR), we will send you an email confirmation of the delivery of the goods to be bought back and tell you the binding buyback price. The buyback price is set according to the Buyback Price List applicable on the day on which your consignment is delivered to the IBIS InGold head office. This way of sending items for buyback is very flexible and ensures that the buyback price is paid promptly to your bank account.

  • Shipments sent to the PO Box (shipments with a value higher than 1 000,00 EUR, up to a maximum of 20 000,00 EUR) are collected once a week. Once we have collected and physically verified the authenticity, fineness and overall integrity of the goods, we will send you an email confirmation of receipt of the goods to be bought back and tell you the binding buyback price. The buyback price is set according to the Buyback Price List applicable on the day on which your consignment is delivered to the PO Box. This way of sending items for buyback has a longer timeframe for the payment of the buyback price but ensures maximum security in the delivery of the goods.

  • We will remit the binding buyback price to the bank account specified in the Buyback Request within 48 hours of notification.

Procedure for the buyback of bars and coins stored at IBIS InGold

  • Fill in the Buyback Request form (downloadable here) and enter “deposit” in the certificate number column.

  • Have your signature on the Buyback Request form authenticated and then send the request to the address of the company’s head office:

    IBIS InGold, a. s., Jiráskova 908, 676 02 Moravské Budějovice, Česká republika

  • When we receive your request, we will email you the binding buyback price. The buyback price is set according to the Buyback Price List applicable on the day on which your request, bearing an authenticated signature, is delivered to the IBIS InGold head office.

  • We will remit the binding buyback price to the bank account specified in the Buyback Request within 48 hours of notification.

What else do you want to know?

Buyback may be requested by the person who owns the bar or coin. Investment bars and coins are accompanied by a certificate stating their unique number (batch). We use that number to check whether these are items we have sold and, if so, we proceed with the buyback.

Investment bars and coins are accompanied by certificates stating their unique number. Lighter bars are packaged so that this certificate forms an integral part of the packaging (called a ‘certicard’). The unique number is also stamped on the upper side of the bar. This is why there is no need to provide anything more than the bar or coin itself and the accompanying certificate with the batch number on it. The goods and the certificate must not be damaged.

Buyback is an entirely separate procedure, so the payout is not tied to the bank account specified in the purchase contract. Buyback is requested by the owner of the bar or coin, who may not be the same person as the one who made the purchase. The currency may also be different. We do not have the requirement that items can only be bought back in the currency in which they were purchased. We proceed according to the information provided in the buyback request.

If you disagree with the buyback price, you must get in touch with our customer service line within two hours of receiving our email notification of the binding buyback price. The items will then not be bought back but will immediately be returned to you at your address, marked for delivery directly to you. You are liable for the cost (postage, packaging fee and insurance according to the valid Fee and Service Price List) of returning the goods.

+420 568 408 088

[email protected]

If items are delivered damaged, we may refuse buyback or set a lower buyback price. If you disagree with the buyback price you are quoted, you must call our customer service line or send an email within two hours of receiving our email notification of the price. The items will then not be bought back but will be returned to you at your address, marked for delivery directly to you. You are liable for the cost (postage, packaging fee and insurance according to the valid Fee and Service Price List) of returning the goods.

+420 568 408 088

[email protected]