There is a handling fee for banks to sell physical gold, and there is no need to open an account in a bank. According to different processes, different products will be charged different fees, and the purchase quantity will be different, which is about 10-20 yuan. The transaction fee for bank gold bars is generally around 10 yuan, and the transaction fee for physical gold is generally above 8 yuan 100g and below 100 yuan. It depends on what kind of gold it is Due to different regions and brands, it is generally between 10- 18 yuan. The sales channels of gold bars are: banks and gold shops, such as Laofengxiang Jewelry Store and Gold Exchange, gold bars for futures trading, a small amount of gold bars for sale in pawn shops, gold bars for sale in jewelry markets and gold bars for sale in mint.

1. The process of buying gold bars from the bank is as follows: First, open an account in the bank. Investors must apply for a gold account card when handling personal physical gold investment business, and the transaction fee is about 0.2%. According to the regulations of Industrial and Commercial Bank of China, Huaxia Bank and Industrial Bank, investors should be paid 0.2% of the transaction amount for each gold transaction. Freight and insurance: 80 yuan/kg. If investors need to raise gold from the Shanghai Gold Exchange, they need to pay a certain freight premium. Huaxia Bank and Industrial Bank 80 yuan/kg.

If investors need to withdraw gold, they must apply to the bank first. Huaxia Bank stipulates that the application must be made three working days in advance, from 9:00- 14:30 from Monday to Friday. After the application is successful, the staff of Huaxia Bank will accompany them to the designated warehouse to pick up the goods on 10 and 20th of each month. China Industrial and Commercial Bank stipulates that the application should be sent 10 working days in advance. Industrial Bank stipulates that investors can apply for delivery online 24 hours a day from Monday to Friday. If you apply for delivery at the counter, the application time is 9: 00 am-12: 00 am and 6: 00 pm-1:00 pm. From Monday to Friday. In contrast, it is more convenient for Industrial Bank to handle withdrawals.

3. Banks charge 0.5 yuan/gram for paper gold business. Bank of China gives preferential treatment to large transactions. Generally, when buying paper gold above 1000 g, the unilateral commission charged by the bank is 0.45 yuan/g, 0.4 yuan above 5000 g, and 0.35 yuan/g above 10000 g. Bank of China Paper Gold adopts the method of step-by-step handling fee. The single transaction volume is less than 200g, and the unilateral price difference is 0.5 yuan/g; The single transaction volume is 200g and 2000g, and the unilateral price difference is 0.45 yuan/g; The single transaction volume is more than 2000g, and the unilateral price difference is 0.4 yuan/g.

The paper fee is charged according to the amount of paper used. Paper gold has at least 10g. As long as the funds are sufficient, there is no upper limit, but the fees for paper gold are different from bank to bank. China Bank's paper currency service fee is charged step by step. The single transaction volume is less than 200g, and the unilateral price difference is 0.5 yuan/g; If the single transaction volume is between 200 g and 2000 g, the unilateral price difference is 0.45 yuan/g; The single transaction volume exceeds 2,000 g, and the unilateral spread is 0.4 yuan /g. Take 2000g as an example. If the benchmark reference is 100 yuan /g, the investor's buying price is 100.5 yuan/g, and the preferential price is 99.5 yuan/g. ..