How To Get Started
We recognise that delving into the world of gold and silver investment can feel overwhelming. However, at Chards, we're here to alleviate those concerns by providing you with essential information and a wide selection of products. You can purchase from us to kickstart your precious metal portfolio.
If you're a complete novice to investing in precious metals, we recommend reading our Beginners Guide, which compiles 60 years of experience that we have gathered since we first opened in 1964. This guide is aimed at helping new investors make informed decisions when starting to invest in gold.
We also encourage all customers to read our Terms & Conditions and ensure they have a good understanding to guarantee satisfaction before purchasing any precious metals from us.
Need a helping hand? Please call our Customer Support team on 01253 343081 or email them at [email protected]
How to Buy Gold and Silver Process:
Open an account with us today and place your first order by following the 7 steps below.
1. Register for An Account
Chards is one of the UK's longest serving bullion dealers and allows you to buy investment & collectable gold and silver at competitive premiums. Before you transact with us, you'll need an account and verify your identification.
2. Add to Basket
You can browse our extensive online catalogue of products and use the “add to basket” button to add to your order or "buy with storage" if you wish to vault with us. Online checkout is restricted to £100,000 and for larger orders our team can assist you.
3. Payment Options
We accept bank transfers (BACS), debit cards, cheques, and cash for payment. We accept debit cards up to a limit of £10,000 and cheques can be accepted for any value, yet these may take a few days to clear before we can process the order.
3A. Bank Transfer
You may place your order online and opt to pay by bank transfer. Payment must be set up immediately to fix the price, using your full name or order number as the reference. Alternatively, you may contact us by phone or visit our showroom to place an order. Any payments not received within 24 hours of your order being placed may be cancelled/refunded/re-dealt and subject to an administration fee as per our Terms.
We will allow up to 3 working days for international payments. Please note that international payments will be subject to an admin fee of £10.
We will allow 24 hours for any bank transfer payments to clear. Orders paid for via bank transfer may be sent to an alternative delivery address. There are no charges for bank transfers if your bank account is a part of the faster payments scheme.
3B. Debit Card
We accept debit cards for orders up to the value of £10,000, that have Mastercard SecureCode / Verified by Visa set up.
Orders paid for using a debit card will be dispatched exclusively to the card's registered billing address. Acceptance of the order is contingent upon the cardholder's name matching the name on the order form. Additional verification, such as providing photographic identification, may be requested to confirm your identity and registered address.
For online payments collected from our showroom, you must present your payment card along with two forms of identification: either a passport and a photo driving license, or a passport or photo driving license along with a recent utility bill dated within the last three months, bearing your current name and address.
4. Delivery Options
We offer fully insured delivery on all purchases and packaging is discrete, unbranded and confidential. Additionally, we can arrange high value transport with either Brinks or Loomis for both domestic and international investors.
Don't wish to take delivery? Chards has its own high-level security vaulted storage in the UK and overseas.
5. Fix the Price and Checkout
Prices are fixed for 10 minutes during checkout, giving you time to choose your payment and delivery options. After 10 minutes, your order will be recalculated based on the live metal prices.
Once you confirm payment by pressing “complete order” (for bank transfer, cheque), or entering your card details and clicking continue, you have committed to purchase to items at the prices quoted. A member of our team will check the order and an email sent to confirm that ‘your order has been accepted’. Following this any unpaid orders will receive payment instructions via email.
6. Payment
As soon as payment has been made your order will be processed and shipped the next working day if we have stock available.
When customers order ‘orderable’ and ‘secondary market’ gold or silver we will keep you up to date at regular intervals on the progress of your order. As soon as stock is booked in, we will contact you to arrange a delivery date.
7. Delivery to You
As soon as your parcel is packed by our despatch team you will receive a notification of shipment and a tracking code. The tracking number will become available later in the day as parcels move through the transport hubs.
All the while your order remains fully insured up to the point of signing for delivery. Any failed deliveries will be returned to the sorting office and then eventually to us in the event of no collection.
Other Services We Provide At Chards
Invest in allocated digital gold and digital silver with a low premium of 1% without incurring delivery costs
Our distance buy-in postal service allows you to sell your gold and silver to us from anywhere in the world. The postage fee is £40 plus insurance for domestic UK parcel weighing up to 10kg on a next-day weekday service.
Customers can choose our dedicated world class storage facilities right here in Blackpool or store bullion overseas in bonded warehouses.
Allow our investment calculator choose a selection of coins and bars suited to your needs and budget.
How to Choose the Right Investment for You?
At Chards, we are committed to helping our clients make informed decisions and can assist you in choosing the right investment gold and silver products for your portfolio. It's important to note we are not financial advisors and we would always recommend that you consult with a financial advisor or professional to determine the best investment strategy for your needs.
For UK investors we would suggest investing in Capital Gains Tax (CGT) exempt gold and silver bullion such as Britannias and gold sovereigns. CGT is a form of levies imposed on the profit garnered from the sale of assets, such as real estate, investments, and collectibles. In the United Kingdom, the present CGT allowance is £3,000 per annum per individual, which implies that one can earn up to £3,000 from the sale of assets prior to being subject to CGT.
Alternatively if you plan to spend less than the £3,000 CGT limit you can opt for other low premium bullion coins such as for example a Krugerrand, for collectors looking for the newest years we have a range of 2024 bullion coins.
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