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Compare Gold & Silver Prices by Premium Over Spot

The dealer price isn't the metal price. What you pay above melt value is the premium over spot. Live spot below, then coins and bars ranked by premium so you can compare the real cost of buying, lower is better value.

Spot prices update live; premium data last reviewed 6 August 2026 .

Gold-to-silver ratio
70.1
oz of silver = 1 oz of gold. Around the normal modern range. Neither metal looks stretched versus the other.
loading live spot…

Per oz is what you actually pay for one troy ounce of metal once the dealer premium is included, so a 100g bar and a 1oz coin can be compared directly against the spot price above. The gap is the whole story of buying bullion: the same gold costs noticeably more per ounce in small coins than in big bars, and that difference is what you lose the moment you buy. Sort by any column.

Premium ▲ProductMetalSizePrice todayPer ozMelt
+1.8%LOWESTGold Cast Bar 100ozGold100oz$411,649$4,116$404,370Check price →
+2.2%Gold Bar 250gGold8.04oz$33,227$4,133$32,511Check price →
+2.5%Gold Bar 100gGold3.215oz$13,326$4,145$13,000Check price →
+3.0%Gold Bar 50gGold1.6075oz$6,695$4,165$6,500Check price →
+3.4%Valcambi Gold Bar 1ozGold1oz$4,181$4,181$4,044Check price →
+3.5%PAMP Gold Bar 1ozGold1oz$4,185$4,185$4,044Check price →
+3.6%Perth Mint Gold Bar 1ozGold1oz$4,189$4,189$4,044Check price →
+3.8%Gold Krugerrand 1ozGold1oz$4,197$4,197$4,044Check price →
+4.0%Gold Maple 1ozGold1oz$4,205$4,205$4,044Check price →
+4.2%Gold Philharmonic 1ozGold1oz$4,214$4,214$4,044Check price →
+4.5%Gold Britannia 1ozGold1oz$4,226$4,226$4,044Check price →
+4.5%Gold Kangaroo 1ozGold1oz$4,226$4,226$4,044Check price →
+4.5%Gold Buddha Bar 50gGold1.608oz$6,795$4,226$6,502Check price →
+4.8%Gold Bar 10gGold10g$1,362$4,238$1,300Check price →
+5.0%Gold Eagle 1ozGold1oz$4,246$4,246$4,044Check price →
+5.0%Gold Buffalo 1ozGold1oz$4,246$4,246$4,044Check price →
+5.2%Gold Bar 20gGold20g$2,735$4,254$2,600Check price →
+5.5%Gold Lunar Series 1ozGold1oz$4,266$4,266$4,044Check price →
+6.0%Gold CombiBar 50x1gGold1.6075oz$6,890$4,286$6,500Check price →
+6.0%Platinum Bar 1ozPlatinum1oz$1,753$1,753$1,654Check price →
+6.5%Gold Britannia 1/2ozGold16g$2,153$4,307$2,022Check price →
+6.5%Gold Bar 5gGold5g$692$4,307$650Check price →
+6.5%Platinum Maple 1ozPlatinum1oz$1,762$1,762$1,654Check price →
+7.0%Silver Bar 100ozSilver100oz$6,173$61.73$5,769Check price →
+7.0%Platinum Eagle 1ozPlatinum1oz$1,770$1,770$1,654Check price →
+7.5%Platinum Bar 50gPlatinum1.608oz$2,859$1,778$2,660Check price →
+8.0%Gold American CommemorativeGold16g$2,184$4,367$2,022Check price →
+8.0%Silver Bar 1kgSilver32.15oz$2,003$62.31$1,855Check price →
+8.5%Gold SovereignGold7g$1,033$4,387$952Check price →
+8.5%Silver Bar 50ozSilver50oz$3,130$62.59$2,884Check price →
+8.5%Palladium Eagle 1ozPlatinum1oz$1,795$1,795$1,654Check price →
+9.0%Gold Eagle 1/4ozGold8g$1,102$4,408$1,011Check price →
+9.0%PAMP Silver Bar 1kgSilver32.15oz$2,022$62.88$1,855Check price →
+9.0%Platinum Palladium MixPlatinum2oz$3,606$1,803$3,308Check price →
+11.0%Silver Bar 250gSilver8.04oz$515$64.04$464Check price →
+12.0%Gold Maple 1/10ozGold3g$453$4,529$404Check price →
+12.0%Silver Bar 100gSilver3.215oz$208$64.61$185Check price →
+13.0%Silver Bar 10ozSilver10oz$652$65.19$577Check price →
+14.0%Silver Krugerrand 1ozSilver1oz$65.77$65.77$57.69Check price →
+15.0%Silver Kangaroo 1ozSilver1oz$66.34$66.34$57.69Check price →
+15.0%Silver Bar 5ozSilver5oz$332$66.34$288Check price →
+16.0%Silver Philharmonic 1ozSilver1oz$66.92$66.92$57.69Check price →
+17.0%Silver Maple 1ozSilver1oz$67.50$67.50$57.69Check price →
+17.5%Silver Bar 2ozSilver2oz$136$67.79$115Check price →
+18.0%Silver Eagle 1ozSilver1oz$68.07$68.07$57.69Check price →
+18.0%Silver Britannia 2ozSilver2oz$136$68.07$115Check price →
+19.0%Silver Chinese Panda 1ozSilver1oz$68.65$68.65$57.69Check price →
+20.0%Silver Britannia 1ozSilver1oz$69.23$69.23$57.69Check price →
+21.0%Silver Canadian CommemorativeSilver1oz$69.80$69.80$57.69Check price →
+22.0%Silver Libertad 1ozSilver1oz$70.38$70.38$57.69Check price →

Live spot from gold-api, shown in your chosen currency at the live ECB rate. "Price today" = live spot plus each product's typical dealer premium, a guide to what you'll pay right now. Confirm the dealer's live price before buying.

How this works. Premium over spot = (dealer price − metal melt value) ÷ melt value. It's the single number that tells you the real cost of buying, and it barely changes per product even as the metal price swings. Small coins carry the highest premiums; large bars the lowest. We hold each product's typical retail premium and apply it to the live spot price, so the dollar figures move with the market while the value ranking stays honest.
About the "check price" links. Each one searches eBay for that exact product, because a mint's own homepage almost never sells the specific coin at the premium quoted here, and some mints do not sell to the public at all. Marketplace prices swing by seller and plenty of listings sit well above the typical premium in this table, so compare the per-ounce cost against the spot price above before you buy, and favour sellers with a long bullion history and a returns policy. These are plain search links with no affiliate tracking, and nothing on this page is sponsored. The table is sorted purely by premium over spot, and no dealer or seller can pay to move up it.

Common questions about comparing gold and silver prices

How do you compare gold prices properly?
Not by the headline price, because a bigger bar always costs more in total. Compare the premium over spot instead, which is what you pay above the metal's melt value, and compare the cost per troy ounce so a 100g bar and a 1oz coin line up against the same spot price. The table above does both, sorted cheapest premium first.
What does gold actually cost per ounce today?
Spot is shown live at the top of this page, but nobody buys at spot. The per ounce column in the table is what you really pay once the dealer premium is included, which is why two products with the same weight of gold can differ by hundreds of dollars.
Is it cheaper to buy gold bars or coins?
Bars, and the gap is bigger than most people expect. On this table the cheapest product is the Gold Cast Bar 100oz at about 1.8% over spot, while the Gold Maple 1/10oz runs about 12% over. That is roughly 7 times the markup for the same metal, and you lose the difference the moment you buy.
Why do gold and silver premiums differ so much?
Because premium is mostly a fixed minting and handling cost spread across the value of the metal, and silver is far cheaper per ounce. The same few dollars of cost is a small percentage of a gold coin and a large one of a silver coin, so silver premiums here reach about 22% on the Silver Libertad 1oz while gold tops out near 12%.
Does a lower premium always mean better value?
For the metal itself, yes, and that is why this page ranks by it. The trade off is flexibility: a 100oz bar is the cheapest way to hold gold but you cannot sell a tenth of it, and small coins are easier to sell piecemeal. Buy the largest unit you would be comfortable selling in one go.
usefulHQ Study · 2026

Buying gold and silver coins means paying a 2% to 22% premium over spot, and small silver is the worst

The price of a coin or bar is always more than the metal it contains: the gap is the premium. Across 50 products, gold premiums run from about 2% on large bars to 12% on small coins (about 5% on average), while silver is far worse, from roughly 7% to 22% (about 15% on average). The smaller the item, the more you overpay, so the cheapest way to hold metal is the largest bar you can afford, not a handful of small coins.

Products compared
50
coins and bars
Gold premium range
2-12%
~5% average
Silver premium range
7-22%
~15% average
Highest premiums over spot
Silver Libertad 1oz22%Silver Canadian Commemorative21%Silver Britannia 1oz20%Silver Chinese Panda 1oz19%Silver Eagle 1oz18%Silver Britannia 2oz18%Silver Bar 2oz18%

Method: typical retail premium over the live spot price for each product in our bullion comparison, from dealer pricing. Premiums move with demand and product size. Cite this: "usefulHQ Bullion Premium Study 2026", usefulhq.com. See the premium on every product →

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