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History of Gold Coins

Gold Coins
Four millennia of gold coin production and use - a brief history.


Reverse of Celtic Gold Stater of Cunobelin

The First Gold Coins
 
Lydia 643 BC
In about 643 to 630 B.C., the Lydians had started to produce the first coins. They were quite crude, and were made of electrum, a naturally occurring pale yellow mixture of gold and silver. These first coins were similar in composition to alluvial deposits found in the silt of the River Pactolus, which ran through the Lydian capital, Sardis.


Obverse of Celtic Gold Stater of Cunobelin

The Midas Touch
These gold deposits were believed to have originated by King Midas washing himself in the river to cleanse himself of his "golden touch" which had the inconvenient effect of turning even his food into gold.

Gold And Silver
By about 560 B.C., the Lydians and Ionians had learned how to separate the gold from the silver, so that King Croesus was able to issue the world's first bi-metallic coinage. Bi-metallic in the sense that there were gold coins and silver coins. Shortly afterwards, in 546 B.C., Croeseus was captured by the Persians, who came to adopt gold as the main metal for their coins.

Gold Or Silver?
The Greeks to the west of Ionia believed that silver should be the main metal used for coins. Following this there have, for most of history, been regions which favoured silver and other nations which favoured gold as their main coinage and currency metal. Where the two existed side by side, then gold was usually considered the more important. In most cases, ready availability of one metal rather than the other exerted a practical influence over the choice.

The Celts
In Britain and elsewhere, a number of Celtic tribes issues coins in gold, silver, potin, and base metals. The Celts were here before the Romans, some became assimilated into Roman civilisation, others moved or were defeated. It is often stated that they left no written records, but this is inaccurate as some of their coins were inscribed. Please see the magnificent Celtic gold stater in our photograph. It bears the inscription "CUNO" an abbreviation for Cunobelin, a chieftain of the Catuvellauni tribe. It constitutes a written record, as do all the other inscribed Celtic coins, however most Celtic coins are unfortunately uninscribed. They also clearly show that the Celts used written language, even if other evidence is not extant.
We feel tempted to add the joke that Cunobelin invented his own language which was named after him, although we cannot remember the name of the language, it is on the tip of our tongue!

The Romans
The early Roman Republic issued few coins in gold, their main coinage being in silver, with bronze or copper for small change. From the death of Julius Caesar, gold coinage came to be an important part of the Roman coinage system. The Romans took a very practical view in exploiting natural resources in the areas of their conquest, and issued coins in gold, silver, and copper according to the resources of the region.

The First Sovereign

The First One Pound Coin
The gold sovereign came into existence in 1489 under King Henry VII.

The Pound Sterling
The pound sterling had been a unit of account for centuries, as had the mark. Now for the first time a coin denomination was issued with a value of one pound sterling. This new coin weighed 240 grains which equals 0.5 troy ounces or 15.55 grams, and was made using the standard gold coinage alloy of 23 carat, equal to 95.83% fine.

The First Design
The obverse design showed the King seated facing on a throne, a very majestic image. It is from this image of the monarch or sovereign that the new coin gained its name - the sovereign. The reverse type is a shield bearing the royal arms, on a large double Tudor rose.
One of the reasons for the issue of the sovereign was to imitate similar large gold coins being produced on the Continent, another was to impress Europe with the power, prestige and success of the new Tudor dynasty.

Leading Designer of the Age
For the introduction of this important new coin, and later the shilling, the leading German engraver Alexander of Bruchsal was commissioned.
The new sovereign has been described as "the best piece ever produced from the English mint".
Alexander came to be described as "the father of English coin portraiture".
He also produced the testoon or shilling of which it has been said that "modern coinage begins with the shilling of Henry VII".

Doubles and Trebles
A double or treble sovereign was also issued for Henry VII from the same dies as the sovereign, but thicker and heavier. These were possibly intended solely as presentation pieces.
This first sovereign occurs with a number of minor type variations all of which are rare, currently cataloguing from £7000 upwards.

Henry VIII And The First Half Sovereign
Sovereigns were then struck for Henry VIII from 1509, and a half sovereign was also introduced during his reign.
In 1526 the official value of English gold coins was raised by 10%, making a sovereign worth 22 shillings (22/- or 22s.), and then shortly after they were again revalued to 22s6d. A number of new gold coin denominations were introduced with a lower gold fineness of "only" 22 carat, equal to 91.66%.
In 1544 a lighter sovereign was issued, weighing 200 grains, but still in 23 carat gold alloy.

Edward VI
Under Edward VI, sovereigns, half sovereigns, and double sovereigns were struck. His first sovereigns, issued between January 1549 and April 1550, were only in 22 carat gold. From 1550 to 1553, "fine" sovereigns were once again issued with a value of thirty shillings, and also a "standard" sovereign at twenty shillings.

Mary
During the sole reign of Mary, "fine" sovereigns were struck with a value of thirty shillings (30/- or 30s.), but during her slightly longer joint reign with Philip, no sovereigns were issued.

Elizabeth I
During the long reign of Elizabeth II, "fine" gold sovereigns, with a very high (99.4%) gold content, continued to be issued with a value of thirty shillings. A separate one pound gold coin was also issued, obviously with a value of twenty shillings.

James I - The Unite Appears
In the first coinage of James I, from 1603 to 1604, sovereigns of twenty shillings were issued before being discontinued, the previous pound coin was made lighter and renamed as a "unite". So after 115 years, this was the last sovereign to be issued until the emergence of the modern gold sovereign in 1817.

Unites Laurels and Guineas

The Unite Replaces The Sovereign
From James I's second coinage in 1604, the sovereign was discontinued in favour of the "unite", also valued at one pound. It was called a unite to mark the unification of England and Scotland upon the accession of James VI of Scotland to the British throne, as James I of England.

The Laurel Comes and Goes
In 1612 the unite was revalued at 22 shillings, and in 1619 was replace by a lighter one pound coin known as the laurel. The laurel weighed 140.5 grains.

The Unite Continues
The unite was continued in the reign of Charles I, being again valued at twenty shillings, and continued in production during "The Commonwealth", and the early hammered coinage of Charles II until 1662.

Machine Made Guineas Arrive
With the introduction of regular machine made "milled" coinage under Charles II, the guinea was introduced in 1668. It was so called because the gold from which many were made was imported from the African state of Guinea by the Africa Company. The badge of logo of The Africa Company was an elephant and castle (howdah), and this symbol, or sometimes just the elephant appeared on many of the guineas.

When a Guinea was a Pound
When the guinea was originally introduced it had a value of twenty shillings, Because of the inflationary effects of war, the value of the guinea soon increased to 21 shillings. By March 1694, it had reached 22 shillings, and in June 1695 reached a peak of thirty shillings. At this crisis point, there followed great public debate, which included figures such as Sir Isaac Newton, as to whether the solution was to devalue the gold coinage or to restore the silver coinage. Restoration won, and 1696 saw a great "Silver Recoinage", at the same time the principle was established that the pound sterling would be a fixed weight of gold, and this principle effectively created the "gold standard". The guinea continued to be the main gold coin until 1813 under George III.

The Modern Sovereign

New Coinage - New Mint
In 1816, there was a major change in the British coinage, powered by the Industrial Revolution. The Royal Mint moved from The Tower of London to new premises on nearby Tower Hill, and acquired powerful new steam powered coining presses designed by Matthew Boulton and James Watt. the modern sovereign was born!

Saint George & The Dragon
A new reverse design was introduced featuring Saint George slaying a dragon, designed by a brilliant young Italian engraver, Benedetto Pistrucci. This beautiful classic design remains on our gold sovereigns today, almost two hundred years later, and for most of its life must have been one of the worlds most widely recognised coins.

Gold Gives Way To Paper

The First British Paper Money
Although the first "banknote", actually a goldsmith's note, known to exist was issued by Laurence Hoare in 1633, and the earliest known cheque was issued in 1659. Paper money did not supersede metal until the second decade of the 20th century.

Royal Mint Stops Gold Sovereign Production
During the first world war, Britain needed gold bullion to finance the war effort. Banknotes were introduced into regular circulation, and within a few years, the gold sovereign ceased to be used in everyday transactions. Production at the Royal Mint stopped in 1917, although some were minted again in 1925.

Commonwealth Mints
The branch mints continued to produce sovereigns, Ottawa in Canada until 1919, Bombay in India in 1918, Sydney Australia until 1926, Melbourne and Perth Australia until 1931, and Pretoria South Africa until 1932.

1933 - The End of The World for Gold Coinage
By 1933, almost the whole world had stopped production of gold coins for circulation. We can find only seven countries which issued gold coins in 1933, and most of those were commemorative, historical, or medallic issues, not intended primarily for circulation. Of these, the lowest listed catalogue value is for Czechoslovakian One Dukat pieces, which contain about one ninth of an ounce of fine gold; their catalogue value is about three times their intrinsic gold value, and we very seldom see gold coins of this date.
There are a number of other similar dates during which there were very few gold coins minted.

The Investment Market
A number of countries continued to issue gold coins for purchase by investors in the period from the end of the first world war. This has usually been to supply domestic demand for citizens to maintain a "hedge" against currency fluctuations or failures, and against political upheaval. Central and National Banks will have kept many of the previously circulating gold coins as part of their gold bullion holdings, many will have been melted down, and others will have been re-issued to meet demand.

Premium Prices
Increasingly from about 1914, gold coins were traded at a premium to their gold content, especially as most countries did not regularly issue any new gold coins. Certain gold coins have been internationally recognised, these include the British gold sovereign, the American double eagle, and the Swiss twenty francs. Many other types of gold coins had a popularity within their more immediate neighbouring countries, with linguistics also playing their part in the supply - demand situation. There is an obvious logic and attraction in using gold coins whose inscriptions the owner could easily read.

Low Premiums & International Bullion Coins
With the introduction of the Krugerrand in 1967, South Africa became the first country to issue a modern, low premium, bullion gold coin. The most obvious attribute of the Krugerrand which clearly contributed to its success, was its convenient and easy to remember gold content - exactly one ounce. Almost all previous gold coins contained odd amounts of gold, which makes it more difficult to know or calculate quickly the precise value of ones investment.
Such was the success of the Krugerrand, or Kruger, as it is familiarly known, that many millions were produced. In 1980, South Africa introduced fractional sizes containing a half ounce, quarter ounce, and tenth ounce of fine gold. Numerous other countries also copied the South Africans and produced their own versions of one ounce gold bullion coins, and usually the fractional sizes also.

Special Occasions
In Britain, no further sovereigns were then issued until 1957, although sovereigns were included in the George VI proof set of 1937 which was available for collectors, and sovereigns were also minted but not issued for Edward VIII in 1937, and for Queen Elizabeth II in 1953.
Many countries now issue gold coins to commemorate special occasions, and for sale to collectors. Although the one ounce bullion coins were intended for investment use, there are many who collect them by date and type, some world mints have recognised this, and produce attractive and varied designs in their bullion coin series, together with proof versions. A well designed coin can rightly be considered as a miniature work of sculptural or medallic art.

Gold as Money

Gold, measured out, became money. Gold's beauty, scarcity, unique density (no other metal outside the platinum group is as heavy), and the ease by which it could be melted, formed, and measured made it a natural trading medium. Gold gave rise to the concept of money itself: portable, private, and permanent. Gold (and silver) in standardized coins came to replace barter arrangements, and made trade in the Classic period much easier.

Gold was money in ancient Greece. The Greeks mined for gold throughout the Mediterranean and Middle East regions by 550 B.C., and both Plato and Aristotle wrote about gold and had theories about its origins. Gold was associated with water (logical, since most of it was found in streams), and it was supposed that gold was a particularly dense combination of water and sunlight.

Their science may have been primitive, but the Greeks learned much about the practicalities of gold mining. By the time of the death of Alexander of Macedon (323 B.C.), the Greeks had mined gold from the Pillars of Hercules (Gibraltar) all the way eastward to Asia Minor and Egypt, and we find traces of their placer mines today. Some of the mines were owned by the state, some were worked privately with a royalty paid to the state. Also, nomads such as the Scythians and Cimmerians worked placer mines all over the region. The surviving Greek gold coinage and Scythian jewelry both show superb artistry.

The Roman Empire furthered the quest for gold. The Romans mined gold extensively throughout their empire, and advanced the science of gold-mining considerably. They diverted streams of water to mine hydraulically, and built sluices and the first 'long toms.' They mined underground, also, and introduced water-wheels and the 'roasting' of gold-bearing ores to separate the gold from rock. They were able to more efficiently exploit old mine-sites, and of course their chief laborers were prisoners of war, slaves, and convicts.

A monetary standard made the world economy possible. The concept of money, (i.e., gold and silver in standard weight and fineness coins) allowed the World's economies to expand and prosper. During the Classic period of Greek and Roman rule in the western world, gold and silver both flowed to India for spices, and to China for silk. At the height of the Empire (A.D. 98-160), Roman gold and silver coins reigned from Britain to North Africa and Egypt.
Money had been invented. Its name was gold.

History of Gold Standard

In the mid-1800's, countries began adopting the gold standard as a way to standardize transactions in a blossoming world trade market. By World War I, most countries were on the gold standard, with mixed results. Between 1914-1919, most countries suspended the gold standard so they could print enough money to pay for their involvement in the war. After the war, countries returned to a modified gold standard, but abandoned it during the Great Depression. (History.com, "Gold Standard")

In 1941, most countries adopted the Bretton-Woods system, which set the exchange value for all currencies in terms of gold. It obligated member countries to convert foreign official holdings of their currencies into gold at these par values. However, many countries simply pegged the value of their currency to the dollar, thus making the dollar the defacto world currency. Gold was set at $35 per ounce. (Source: National Mining Association, History of Gold)

The strong dollar led to inflation and a large balance of payments deficit in the U.S. which in turn helped to create stagflation. The U.S. started to deflate the dollar in terms of its value in gold to curb double digit inflation.

In 1971, gold was repriced to $38 per ounce, then again to $42 per ounce in 1973. As the dollar devalued, it motivated people to sell their greenbacks for gold. Finally, in late 1973, the U.S. government decoupled the value of the dollar from gold altogether. The price of gold quickly shot up to $120 per ounce in the free market.

World Gold Demand

Four Major Sources of Demand for GOLD:

1) Jewelry fabrication

2) Industrial applications

3) Governments and central banks

4) Private investors

1) Jewelry fabrication: The largest source of demand is the jewelry industry. In recent years, demand from the jewelry industry alone has exceeded Western mine production. This shortfall has been bridged by supplies from reclaimed jewelry and other industrial scrap, as well as the release of official sector reserves. Gold's workability, unique beauty, and universal appeal make this rare precious metal the favorite of jewelers all over the world.

2) Industrial applications: Besides jewelry, gold has many applications in a variety of industries including aerospace, medicine, electronics and dentistry. The electronics industry needs gold for the manufacture of computers, telephones, televisions, and other equipment. Gold's unique properties provide superior electrical conducting qualities and corrosion resistance, which are required in the manufacture of sophisticated electronic circuitry. In dentistry, gold alloys are popular because they are highly resistant to corrosion and tarnish. For this reason gold alloys are used for crowns, bridges, gold inlays, and partial dentures.

3) Governments and central banks: The third source of gold demand is governments and central banks that buy gold to increase their official reserves.

4) Private investors: Finally, there are private investors. Depending upon market circumstances, the investment component of demand can vary substantially from year to year.

Uses of Gold

Gold's Usefulness as safe haven:
The geo-political and world economic structure is currently undergoing major change-some have even called the situation an "upheaval." This means that the investment outlook, particularly for certain parts of the world, is more unpredictable than usual. Under these circumstances, it is logical to conclude that certain investment portfolios should include real (non-paper) assets such as commodities for protection against a potential decline in the paper markets.

Gold's Usefulness as an Asset Diversifier:
Most portfolios are invested primarily in traditional financial assets such as stocks, bonds and mutual funds. Adding gold to a portfolio introduces an entirely different asset; a tangible or real asset, thus increasing the portfolio's degree of diversification. The purpose of diversification is to protect the total portfolio against fluctuations in the value of any one asset or type of asset. Gold does exactly that.

The reason is basic:
The economic forces which determine the price of gold are different from, and in many cases opposed to, the forces which determine the prices of most financial assets. The price of an equity depends on the earnings and growth potential of the company it represents. Likewise, the price of a bond depends on its safety, its yield, and the yields of competing fixed income investments.

The price of gold, on the other hand, depends on different factors:
Worldwide physical supply and demand for gold, movements in foreign exchange rates, inflation, interest rates and political turmoil. The effects of all these factors are somewhat complex and variable. But the important point to remember is simply that they cause the price of gold to move independently of the prices of financial assets.

Ancient Gold

The Incas referred to gold as the "tears of the Sun."

Homer,in the "Iliad" and "Odyssey," makes mention of gold as the glory of the immortals and a sign of wealth among ordinary humans. In Genesis 2:10-12, we learn of the river Pison out of Eden, and "the land of Havilah, where there is gold: and the gold of that land is good?"

As far back as 3100 B.C., we have evidence of a gold/silver value ratio in the code of Menes, the founder of the first Egyptian dynasty. In this code it is stated that "one part of gold is equal to two and one half parts of silver in value." This is our earliest of a value relationship between gold and silver.

In ancient Egypt, around the time of Seti I (1320 B.C.), we find the creation of the first gold treasure map now known to us. Today, in the Turin Museum is a papyrus and fragments known as the "Carte des mines d'or." It pictures gold mines, miners' quarters, road leading to the mines and gold-bearing mountains, and so on.

Where is that gold mine located? Well, you know how it is with treasure maps - there's always something a little vague about them, to throw you off the trail.

Modern thought is that it portrays the Wadi Fawakhir region in which the El Sid gold mine is located, but the matter is far from settled. Jason and the Argonauts sought the Golden Fleece around 1200 B.C.

That Greek myth makes more sense when you realize that the fleece that it refers to is the sheep's fleece used in the recovery of fine placer gold.

Early miners would use water power to propel gold-bearing sand over the hide of a sheep, which would trap the tiny, but heavy, flakes of gold. When the fleece had absorbed all it could hold, this 'golden fleece' was hung up to dry, and when dry would be beaten gently so that the gold would fall off and be recovered.

This primitive form of hydraulic mining began thousands of years ago, and was still being used by some miners as recently as the California gold rush of 1849.

The first use of gold as money occurred around 700 B.C., when Lydian merchants produced the first coins. These were simply stamped lumps of a 63% gold and 27% silver mixture known as 'electrum.' This standardized unit of value no doubt helped Lydian traders in their wide-ranging successes, for by the time of Croesus of Mermnadae, the last King of Lydia (570 -546 B.C.), Lydia had amassed a huge hoard of gold. Today, we still speak of the ultra-wealthy as being 'rich as Croesus.'

A Brief History of Gold

A child finds a shiny rock in a creek, thousands of years ago, and the human race is introduced to gold for the first time.

Gold was first discovered as shining, yellow nuggets. "Gold is where you find it," so the saying goes, and gold was first discovered in its natural state, in streams all over the world. No doubt it was the first metal known to early hominids.

Gold became a part of every human culture. Its brilliance, natural beauty, and luster, and its great malleability and resistance to tarnish made it enjoyable to work and play with.

Because gold is dispersed widely throughout the geologic world, its discovery occurred to many different groups in many different locales. And nearly everyone who found it was impressed with it, and so was the developing culture in which they lived.

Gold was the first metal widely known to our species. When thinking about the historical progress of technology, we consider the development of iron and copper-working as the greatest contributions to our species' economic and cultural progress - but gold came first.

Gold is the easiest of the metals to work. It occurs in a virtually pure and workable state, whereas most other metals tend to be found in ore-bodies that pose some difficulty in smelting. Gold's early uses were no doubt ornamental, and its brilliance and permanence (it neither corrodes nor tarnishes) linked it to deities and royalty in early civilizations .

Gold has always been powerful stuff. The earliest history of human interaction with gold is long lost to us, but its association with the gods, with immortality, and with wealth itself are common to many cultures throughout the world.

Early civilizations equated gold with gods and rulers, and gold was sought in their name and dedicated to their glorification. Humans almost intuitively place a high value on gold, equating it with power, beauty, and the cultural elite. And since gold is widely distributed all over the globe, we find this same thinking about gold throughout ancient and modern civilizations everywhere.

Gold, beauty, and power have always gone together. Gold in ancient times was made into shrines and idols ("the Golden Calf"), plates, cups, vases and vessels of all kinds, and of course, jewelry for personal adornment.

The "Gold of Troy" treasure hoard, excavated in Turkey and dating to the era 2450 -2600 B.C., show the range of gold-work from delicate jewelry to a gold gravy boat weighing a full troy pound. This was a time when gold was highly valued, but had not yet become money itself. Rather, it was owned by the powerful and well-connected, or made into objects of worship, or used to decorate sacred locations.

Gold has always had value to humans, even before it was money. This is demonstrated by the extraordinary efforts made to obtain it. Prospecting for gold was a worldwide effort going back thousands of years, even before the first money in the form of gold coins appeared about 700 B.C.

In the quest for gold by the Phoenicians, Egyptians, Indians, Hittites, Chinese, and others, prisoners of war were sent to work the mines, as were slaves and criminals. And this happened during a time when gold had no value as 'money,' but was just considered a desirable commodity in and of itself.

The 'value' of gold was accepted all over the world. Today, as in ancient times, the intrinsic appeal of gold itself has that universal appeal to humans. But how did gold come to be a commodity, a measurable unit of value?

Jenis emas, kualiti dan karat

Apa maksud 24K, Karat, dan 22K. Adakah 22K adalah 916. Baik saya mulakan dengan terangkan sedikit berkenaan karat.
Perkataan karat diambil dari perkataan Latin iaitu kerátion, atau dari perkataan Arab dan juga dari perkataan Itali carato, yang bermaksud Biji Kacang Carob, Pada waktu dulu sebelum timbangan gram, oz atau mana-mana berat standard digunakan, orang-orang tua kita menggunakan biji kacang carob (dikhabarkan setiap bijinya adalah sama walau dimana ia tumbuh) sebagai timbangan berat. Mengikut persamaan , 1 karat adalah bersamaan dengan 24 (berat emas)/(berat total item).

Contoh Kacang Carob, saya tak jumpa nama melayu untuk kacang ini, mungkin sebab tidak tumbuh di negara kita.

Jika mengikut pengiraan standard, emas 24K adalah emas paling tulen dengan peratus ketulenan emas 99.99%, iaitu logam emas tanpa campuran logam lain. Oleh kerana sifat emas yang lembut dan mudah ditempa, ia biasanya dicampurkan dengan logam lain biasanya Silver (perak) untuk menjadikan ia lebih keras dan dapat dibuat bentuk seperti cincin, rantai dan gelang dengan corak yang menarik

Tahukah anda, 1gms emas dapat ditempa menghasilkan sekeping logam dengan panjang dan sisi 1 meter persegi

Selain emas 24karat, kualiti emas lain yang biasa digunakan adalah 22K, 18K dan 14K, berikut adalah jadual kualiti emas mengikut ketulenannya.

24 carat (99.9% ketulenan atau lebih tinggi) (emas sepuluh)
22 carat (emas 916, 91.6%)
21 carat (87.5%)
20 carat (83.3%)
18 carat ( 75.0% emas)  emas yang mempunyai batu. (cincin tunang, cincin perkahwinan)
14 carat ( 58.5%) emas campur , biasa digunakan orang-orang tua kita dulu kala
10 carat ( 41.7%)
9 carat (37.5%) emas suasa, biasanya dijadikan cincin lelaki.

Setiap kualiti emas mempunyai sedikit perbezaan kaler, kekerasan dan sifat fizikalnya, emas campur nampak lebih merah berbanding warna emas biasa dan begitulah untuk kualiti-kualiti emas yang lain bergantung kepada logam kedua yang dicampurkan bersama emas untuk menghasilkan barang perhiasan tersebut.

Tahukah anda, warna emas bukannya kuning semata-mata, ia boleh juga dihasilkan menjadi merah, kuning, hijau bergantung kepada logam kedua yang ditambah (Argentum, Manganese, Copper etc)

loket emas dengan kaler hijau dan merah (sumber blackhill)

contoh cincin emas berkaler hijau dan merah

Tetapi trend emas dengan pelbagai kaler seperti diatas  tidak begitu popular di negara kita, mungkin kalernya tidak menarik atau harganya yang lebih mahal(pada pendapat saya) berbeza dengan kaler emas tulen yang bersilau-silau jika digilap dan mudah dijual beli di pasaran tempatan.

Ok, seterusnya, apakah emas 22k adalah emas 916? jawapannya ya, emas 22k adalah emas 916. Emas 22K  sangat popular di India. Ia digunakan sebagai Dowry perkahwinan, (Lazimnya dalam majlis perkahwinan mereka, keluarga mempelai wanita akan menyediakan beberapa gram emas (100 – 400gms, untuk dibawa bersama mempelai wanita kerumah pengantin lelaki) bagaimanapun tradisi ini hampir tidak diamalkan lagi kecuali di beberapa tempat.

Di Malaysia, emas 22k kebiasaannya tidak dicop 22k, ia biasanya dicop emas 916, disini timbul kekeliruan dan sedikit masalah. Pembeli emas lazimnya tidak akan membeli emas bertanda 22k dengan harga emas 916 kerana pertama, 22K bukan penggunaan standard di Malaysia, kedua, emas yang dicop 22K mungkin dihasilkan di India dan ia tidak disahkan ketulenannya di Malaysia, pelebur sendiri tidak akan mengambil emas 22K pada harga emas 916, sebab itu emas 22K lazimnya dibeli pada harga emas 90 atau emas 835, bergantung kepada keputusan ujian ketulenan asid.

Servis peti simpanan deposit emas Malaysia

Menyimpan emas di rumah adalah sangat tidak selamat, jadi pelabur emas dinasihatkan untuk menyimpan emas pelaburan mereka di peti simpanan(safety box) di bank yang menyediakan servis ini. Servis ini tidaklah begitu mahal, jangkaan dalam harga RM70-140/setahun bergantung kepada saiz dan kadar harga semasa.Kami menyenaraikan beberapa tempat untuk anda hubungi bagi menyimpan emas, barang kemas dan barang berharga kepunyaan anda. untuk maklumat lanjut dan harga, boleh hubungi number cawangan tertera di bawah.



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Johor
07-228 2400/2401/2402

Kuala Lumpur
Bangsar Baru
66, 68 & 70, Jalan Maarof,
Bangsar Baru, 59100
Kuala Lumpur
03-2284 6379, 03-2284 6377

KL Main
1st Floor, Menara Maybank,
100, Jalan Tun Perak, 50050
Kuala Lumpur
03-2074 8042, 03-2074 7452, 03-2074 7052

Taman Tun Dr. Ismail
2, Lorong Rahim Kajai 14,
Taman Tun Dr. Ismail, 60000
Kuala Lumpur
03-7729 3671, 03-7729 3051

Negeri Sembilan
Kuala Klawang
121, Jalan Keyser,
Wisma UMNO,
Jalan Dato’ Moyang Salleh,
71600 Kuala Klawang
Negeri Sembilan
06-613 6344

Penang
Komtar
1, Arked Ria Satu,
KOMTAR, 10000 Penang
Pulau Pinang
04-262 0722, 04-262 0723

Perak
Ipoh Main
Bangunan Mayban Trust,
28, Jalan Tun Sambanthan,
30000 Ipoh,
P.O. Box 450,
30912 Ipoh
Perak
05-241 4501, 05-241 2893

Lumut
10, Jalan Sultan Idris Shah,
32200 Lumut
Perak
05-683 5731, 05-683 5875

Perlis
Kangar
Upper Ground Floor,
Menara KWSP,
Jalan Bukit Lagi,
01000 Kangar,
Perlis
04-976 4846, 04-976 3419

My Safe Deposit Box
Address:
No.25, SR 1/9, Tmn Serdang Raya, 43300 Seri Kembangan, Selangor.
Contact Number:
03-8941 3228 / 016-2166 352 / 016-2166 353

OCBC Bank
Contact Number: 1-300-88-5000, 1-300-88-0310
Northern Region
Alor Setar
380 Jalan Raja
05000 Alor Setar

Penang
36 Lebuh Pantai
10300 Pulau Pinang
Bukit Mertajam
476 Jalan Arumugam Pillai
14000 Bukit Mertajam

Seberang Perai
Pulau Pinang
Ipoh Main
2 Jalan Dato Maharaja Lela
30000 Ipoh

Perak Darul Ridzuan
Teluk Intan
1054 Jalan Mahkota
36000 Teluk Intan
Perak Darul Ridzuan

Taiping
24-30 Jalan Berek
34000 Taiping
Perak Darul Ridzuan

Central Region

KL Main
Ground Floor Menara OCBC
18 Jalan Tun Perak
50050 Kuala Lumpur

Ampang
Menara Great Eastern
303 Jalan Ampang
50450 Kuala Lumpur

Klang
19 Jalan Stesen
41000 Klang

Selangor Darul Ehsan

Subang Jaya
1A-A-4A-A
Jalan USJ 10/1A
Pusat Perniagaan USJ 10
47610 UEP Subang Jaya
Selangor Darul Ehsan

Petaling Jaya
80, 91 & 93 Jalan SS 21/60
Damansara Utama
47400 Petaling Jaya

Southern Region
Seremban
63-65 Jalan Dato Bandar Tunggal
70000 Seremban
Negeri Sembilan Darul Khusus

Melaka
Lot FG-001, Ground Floor
Dataran Pahlawan Melaka Megamall
Jalan Merdeka 75000
Bandar Hilir Melaka

Johor Bahru
1 Jalan Ibrahim
80000 Johor Bahru
Johor Darul Takzim

Muar
26 Jalan Maharani
84000 Muar
Johor Darul Takzim

Batu Pahat
108-2 Jalan Rahmat
83000 Batu Pahat
Johor Darul Takzim

Kluang
8A Jalan Dato’ Haji Hassan
86000 Kluang
Johor Darul Takzim

Kota Bahru
3940 Jalan Temenggong
15000 Kota Bharu
Kelantan Darul Naim

Kuantan
40 Jalan Teluk Sisek
25000 Kuantan
Pahang Darul Makmur

East Malaysia

Kota Kinabalu
21 & 23 Jalan Pantai
88000 Kota Kinabalu
Sabah

Kuching
UG Floor, Gateway Kuching
No.9, Jalan Bukit Mata
93100 Kuching
Sarawak

Public Bank
Pulau Pinang
Bukit Mertajam
2644 – 2648, Jalan Che Bee Noor,
14000 Bukit Mertajam, Pulau Pinang
Tel: 04-5392205 , 04-5392207
Fax: 04-5392164

Jelutong
407-A, Jalan Jelutong,
11600 Jelutong, Pulau Pinang
Tel: 04-2813227 , 04-2825230
Fax: 04-2825232

Pulau Pinang
87, Lebuh Bishop,
10200 Pulau Pinang
Tel: 04-2613415 , 04-2616755
Fax: 04-2617417

Kuala Lumpur

Bangsar
36 & 38, Jalan Maarof,
Bangsar, 59100 Kuala Lumpur
Tel: 03-22828929, 03-22828930
Fax: 03-22828917

Bukit Damansara
36-40, Medan Setia 2,
Plaza Damansara, Bukit Damansara,
50490 Kuala Lumpur
Tel: 03-20954278, 03-20954922
Fax: 03-20949403, 03-20943844, 03-20956417 (RCB)

Jalan Raja Laut
Lot G3 & 1A.2,
Bangunan KWSP,
5, Jalan Raja Laut, 50350 Kuala Lumpur
Tel: 03-26930722
Fax: 03-26914624

Jalan Sultan Sulaiman
Bangunan Public Bank,
6, Jalan Sultan Sulaiman, 50000 Kuala Lumpur
Tel: 03-20702711
Fax: 03-22745909

Jalan Sungei Besi
12, Jalan Sungei Besi,
57100 Kuala Lumpur
Tel: 03-92214771, 03-92215655
Fax: 03-92212968

Jalan Raja Chulan
Wisma Lim Foo Yong,
86, Jalan Raja Chulan,
50200 Kuala Lumpur
Tel: 03-21418255, 03-21418366
Fax: 03-21487721

Kepong
17, 19 & 21, Jalan Ambong Kiri Dua,
Kepong Baru, 52100 Kuala Lumpur
Tel: 03-62570032, 03-62574690
Fax: 03-62516611, 03-62519386

KL City Main Office
Ground Floor, Menara Public Bank,
146, Jalan Ampang, 50450 Kuala Lumpur
Tel: 03-2176 7888, 03-2163 8866
Fax: 03-21639901

Red Carpet Banking
7th Floor, Menara Public Bank,
No 146, Jalan Ampang,
50450 Kuala Lumpur
Tel: 03-21766723
Fax: 03-21639930

Seri Petaling
40-42, Jalan Radin Tengah,
Bandar Baru Seri Petaling, 57000 Kuala Lumpur
Tel: 03-90585711, 03-90585712
Fax: 03-90570415, 03-90582026

Taman Desa
Lot 1A-3A, Business Centre,
Taman Desa, Off Jalan Kelang Lama,
58100 Kuala Lumpur
Tel: 03-79837811, 03-79837812
Fax: 03-79818069

Taman Maluri
275 & 277,
Jalan Mahkota,
Taman Maluri, Cheras
55100 Kuala Lumpur
Tel: 03-92859994, 03-92857203
Fax: 03-92856811

Taman Tun Dr. Ismail
66, 68 & 70
Jalan Burhanuddin Helmi
Taman Tun Dr. Ismail
60000 Kuala Lumpur
Tel: 03-7729 4672, 03-7729 9440
Fax: 03-7729 8754, 03-7722 3719

Johor

Johor Bahru
Level 1, 2 & 12, Public Bank Tower,
19, Jalan Wong Ah Fook,
80000 Johor Bahru, Johor
Tel: 07-2241733
Fax: 07-2223813 (Level 1), 07-2241527 (Level 2) & 07-2221988 (Level 12)

Masai
1 & 3, Jalan Suria 3
Bandar Seri Alam, 81750 Masai, Johor
Tel: 07-2522498 , 07-2522500
Fax: 07-2511795

Taman Johor Jaya
29, 31, 33 & 35, Jalan Rosmerah 2/10,
Taman Johor Jaya, 81100 Johor Bahru, Johor
Tel: 07-351 3128, 07-352 3128
Fax: 07-3547113

Taman Perling
31,33 & 35,
Jalan Persisiran Perling,
Taman Perling, 81200 Johor Bahru, Johor
Tel: 07-2344919 , 07-2344608
Fax: 07-2345850

Taman Sentosa
G1 & G2,Wisma Daiman, 64 Jalan Sulam,
Taman Sentosa, 80150 Johor Bahru, Johor
Tel: 07-3316521, 07-3312266
Fax: 07-3312666

Kedah

Jalan Kota
1557, Jalan Kota
05000 Alor Setar, Kedah
Tel: 04-7310559, 04-7311384
Fax: 04-7317716

Melaka

Melaka
60-68, Jalan Laksamana,
75000 Melaka
Tel: 06-2830233
Fax: 06-2844552

Sabah

Kota Kinabalu
Lot G.1 & Lot 1.1, Menara MAA,
6, Lorong Api-Api 1,
Api-Api Centre, 88000 Kota Kinabalu, Sabah
Tel: 088-239611 , 088-239612
Fax: 088-236630

Sarawak

Bintulu
29 – 32, Jalan Sommerville,
97000 Bintulu, Sarawak
Tel: 086-331433
Fax: 086-336028

China Street
28, China Street,
98000 Miri, Sarawak
Tel: 085-417227 , 085-417228
Fax: 085-419855

Kuching City
Nos. 102-110, Jalan Song Thian Cheok,
93100 Kuching,
Sarawak
Tel: 082-417922, 082-417923, 082-417924, 082-417925, 082-417926,
082-417927, 082-417928 & 082-417929
Fax: 082-424248

Sibu
2, 4 , 6 & 8, Lorong 2,
Jalan Tuanku Osman, 96000 Sibu, Sarawak
Tel: 084-320088, 084-316511
Fax: 084-314088, 084-335739

Wisma Saberkas
Lot G.01 & G.02A, Wisma Saberkas,
Jalan Tun Abang Haji Openg,
93000 Kuching, Sarawak
Tel: 082-419889 , 082-428800
Fax: 082-424662

Selangor

Bandar Puchong Jaya
9 & 10, Jalan Kenari 1,
Bandar Puchong Jaya,
47100 Puchong, Selangor
Tel: 03-58821888, 03-58821889
Fax: 03-58821299, 03-58822340

Bandar Sunway
48 & 50, Jalan PJS 11/28A,
Bandar Sunway, 46150 Petaling Jaya, Selangor
Tel: 03-56364138, 03-56362256
Fax: 03-56363556

Damansara Utama
49, 51 & 53, Jalan SS 21/60,
Damansara Utama,
47400 Petaling Jaya, Selangor
Tel: 03-77289376, 03-77289406
Fax: 03-77278064

Petaling Jaya New Town
1, 3 & 5, Jalan 52/2,
46200 Petaling Jaya, Selangor
Tel: 03-79570211, 03-79570007
Fax: 03-79579601

Section 14
12, 14 & 16, Jalan 14/14,
46100 Petaling Jaya, Selangor
Tel: 03-79582585, 03-79582586
Fax: 03-79582593

SS 2
61-1, 61-2 & 61-3,
Jalan SS 2/75,
47300 Petaling Jaya,
Selangor
Tel: 03-78740436, 03-78741933, 03-78741977, 03-78742989, 03-78743011, 03-78743033, 03-78749442, 03-78741911, 03-78778560, 03-78771766
Fax: 03-78741491

Subang Jaya
B1- B4, Jalan SS 15/4D,
Subang Jaya, 47500 Petaling Jaya, Selangor
Tel: 03-56332420, 03-56332421
Fax: 03-56347713

Taman Chi Liung
22, 24, 26 & 28, Lintang Menalu,
Taman Chi Liung, 41200 Klang, Selangor
Tel: 03-33718899, 03-33718482
Fax: 03-33720319

Perak

Bercham
4, 6, 8, & 10, Persiaran Bercham Selatan 2,
31400 Ipoh, Perak
Tel: 05-548 0058, 05-548 0632, 05-548 2462, 05-546 8444, 05-546 8623,
05-548 3888 & 05-546 8140
Fax: 05-548 0333 & 05-547 3888

Ipoh Garden
133, 133A-D,
Jalan Dato` Lau Pak Khuan,
31400 Ipoh, Perak
Tel: 05-5480951 , 05-5480952
Fax: 05-5480958

Ipoh Main Office
7 – 13, Jalan Dato` Maharajalela,
30000 Ipoh, Perak
Tel: 05-2530115 , 05-2531034
Fax: 05-2535505

Jalan Sultan Idris Shah
76, Jalan Sultan Idris Shah,
30000 Ipoh, Perak
Tel: 05-2551068 , 05-2551069
Fax: 05-2556555

Jalan Yang Kalsom
46-54, Jalan Yang Kalsom
30250 Ipoh, Perak
Tel: 05-2531998 , 05-2531514
Fax: 05-2535528 , 05-2558430

Sejarah emas di Malaysia

Dalam kitab purba hindu dan Budha seperti Ramayana, Purana dan Raguwamsa, pendeta-pendeta hindu memanggil Semenanjung Malaysia sebagai semenanjung emas (suvarnabhumi) iaitu merujuk satu kawasan di Nusantara bagi mendapatkan bekalan emas ketika Tamadun Aryan memerintah di India.
Di dalam naskah Buddha yang paling tertua juga iaitu Jataka ada menceritakan perjalanan pelaut-pelaut India Kuno berlayar hingga ke Suvarnabhumi.
Satu kitab kuno India ada menyebutkan Nusantara ini ‘the fabulous Land of Gold’-iaitu Tanah Emas Yang Menakjubkan, sama seperti yang diutarakan oleh Kitab Buddha Jataka.Apakah maksud ‘menakjubkan’ itu?Adakah mereka bertemu dengan orang Melayu yang bercawat dan tinggal di atas pokok sambil bermain dengan tupai dan melukis gambar awan di batang pokok lalu para dewa-dewi atau bangsawan India ini mengatakan “Wow!Menakjubkan!”? Tentunya kerana terdapat banyak emas disitu.
Dalam sejarah Yunani, Claudios Ptolemy, ahli Geografi Yunani yang belayar ke Nusantara pada abad kedua masihi (165) memanggil tanah melayu sebagai Golden Chersone, yang juga bermaksud semenanjung emas yang berada berhampiran Taprobana (sumatera) didalam teksnya berjudul Geographike Hyphegesis
Pelayar China, I-Tsing (634-713) yang belayar ke Sumatera pada abad ke-7 memanggil kawasan-kawasan sekitar Sumatera sebagai Chin-Chou bermaksud negeri-negeri emas merujuk kepada Kerajaan-kerajaan melayu tua didalam teks pelayarannya.

Laksamana Cheng Ho dikatakan pernah melawat Gunung Ledang. Beliau dikatakan melawat lombong-lombong emas di Gunung Ledang dan mengambil contoh emas-emas tersebut untuk pengetahuan rajanya
Mengikut Sejarah siam, Raja Suryavarman II membawa 700 ekor gajah untuk membeli emas dengan pemimpin Melayu di Raub, Pahang bagi membina Angkor Wat pada pertengahan abad ke 12.
Berabad-abad lamanya para musafir Arab menyebut pulau Sumatera dengan nama Suwarandib dan kemudian orang-orang Melayu era Klasik menyebutnya sebagai Tanah Serendib (rujuk Sejarah Melayu), di mana kata ‘Suwarandib’ ini sebenarnya adalah penjelmaan dari nama ‘Suvarnadwipa’ dalam lenggok lidah orang Arab. Abu Raihan Al-Biruni, ahli geografi berbangsa Parsi yang mengunjungi Sriwijaya pada tahun 1030 Masehi, ada mencatatkan bahawa negeri Sriwijaya terletak di Pulau Suwarandib;Pulau Emas yang menakjubkan itu.
Dalam peta lama Portugis, nama GEMIH ini ditulis sebagai Gummay yang bermaksud sebuah pusat perusahaan emas.Menurut kolonel Gerini ( 1904 ), Gemih masih merupakan pusat perlombongan emas orang-orang Melayu di Gunung Ledang sehingga tahun 1817.
Kemewahan dan kekayaan Tanah Melayu dengan emas sangat terkenal dari zaman Firaun dan Nabi Sulaiman lagi. Gunung Ledang di Johor dikaitkan dengan Mount of Ophir (merujuk kepada “Lombong Emas Solomon” yang masih menjadi misteri dunia (Ophir berada di Philipines) menyebabkan Tanah Melayu sentiasa diancam, diserang dan dijajah. Nenek moyang melayu dahulu pernah mengganut Agama Budha ketika Tamadun Aryan berkuasa, agama Hindu ketika Brahmin-Brahmin India datang berniaga disini dan akhirnya Islam setelah berhubung terus dengan Saudagar-saudagar Arab di Melaka dan Sumatera.
Akhirnya, Tanah Melayu telah dijajah oleh semua kuasa, sebut sahaja, Siam, Champa, China, India, Portugis, Belanda, British, Jepun pernah menguasai hasil kekayaan emas di tanah ini.
Ketika zaman imperialisme, British begitu berminat untuk menguasai pengeluaran emas di negeri Pahang yang ketika itu dipimpin oleh Sultan Ahmad dengan pelbagai helah dan tentangan dari pemimpin setempat akhirnya mereka dapat menguasai Pahang dengan bantuan Raja Abu Bakar (sultan johor) dan residen british pertama dilantik di Pahang adalah JP Roger pada tahun 1824.
Rounsevelle Wildman, seorang penulis terkenal dari Amerika Syarikat telah menemui seketul logam yang diambil dari kawasan lombong di tebing Sungai Gemih pada tahun 1894, apabila dileburkan didapati mengandungi emas.
Rezab emas negara dikatakan masih lagi tersimpan sebanyak 106,000 Ton daripada kajian-kajian yang diilakukan dan ia sentiasa bertambah apabila penemuan baru dan akan berkurang apabila mineral tersebut digali dari perut bumi.
Malaysia bukannya negara pengeksport emas terbesar, malah kita bukan dikalangan 30 negara terbesar memiliki emas, Menurut kajian sebuah institut mineral yang berpangkalan di Amerika, Malaysia berada di tangga ke-39 dunia mempunyai rezab emas yang belum digali.
Perlombongan emas di Malaysia hanya terhad di beberapa kawasan sahaja, ia dikenali sebagai Jalur Tengah yang terbentang dari kawasan tanah tinggi Batu Melintang, Jeli, Kelantan, sehingga Gunung Ledang di Johor. Lombong terbesar yang masih aktif di Malaysia adalah di Penjam,kuala lipis, ia mengeluarkan hampir 95% pengeluaran emas Malaysia. Tempat lain yang masih aktif adalah di Kuala Selinsing, Damar Reef dan Tersang di Pahang . Selain itu masih ada 5 lagi lombong di Jeli dan 6 lombong sekitar kawasan raub, kuala lipis di Pahang masih digali untuk aktiviti perlombongan komersial.
Kesan dari penjajahan British keatas tanah melayu dari tahun 1817 sehingga 1957 menyaksikan hampir semua emas negara telah dikorek habis habisan oleh penjajah seperti di bekas-bekas lombong di Jeli, Gua Musang dan Tanah Merah, Kelantan yang kini menjadi lombong mati.
Pada tahun 2008, negara dikejutkan dengan penemuan emas di Pantai Mersing dari kesan “Gold Rush” pada Jalur Timur iaitu selari dengan Jalur emas di Lubuk Mandi, Terengganu yang telah ditutup tetapi dibuka semula pada tahun 2002.
Hanya terdapat dua jenis emas di Malaysia iaitu Au-Cu-Ag-Zn di Jalur tengah dan Au-Cu di Jalur timur. Ia biasanya berada di lereng-lereng bukit di kawasan tadahan air sungai. Sungai yang biasa dikaitkan dengan emas adalah sungai Jelai dan Koyan di Pahang.
Pada awal tahun 2010 kita dikejutkan sekali lagi dengan penemuan “emas” di Pendang, Kedah di kawasan kuari yang telah ditutup tetapi setelah kajian dilakukan, “emas” tersebut sebenarnya adalah “Pyrite” iaitu mineral yang biasa digunakan untuk membuat emas palsu. Pendang di kedah adalah selari dengan Jalur Barat yang kaya dengan bijih timah suatu masa dahulu.

Pelaburan Emas di UOB Bank

Gold Investment Accounts
A competitive edge to your treasury needs

At UOB, we have designed an easy and affordable way to invest in gold.

Gold is the most popular choice of investment among all precious metals. It is a highly coveted commodity and a form of global currency. At UOB, we have designed an easy and affordable way to invest in gold. Now you can invest with UOB Gold Investment Accounts and earn potential returns from any price appreciation.

We are offering 2 types of accounts - Premier Gold Account (PGA) and Gold Savings Account (GSA). These are statement-based accounts that allow you to buy and sell gold at UOB Bank’s Prevailing market rate.


    Premier Gold Account     Gold Savings Account
Minimum Initial Investment     1kg     20 gm
Minimum Subsequent Investment / Withdrawal     In multiple of 1 kg     In multiple of 5 gm
Minimum Balance in the Account     1 kg     10 gm
Fees And Charges     An administrative fee of RM2.00 will be charged per month if the balance of the account falls below 1kg at month end.     An administrative fee of RM2.00 will be charged per month if the balance of the account falls below 10gm at month end.
Account Opening Requirement     Prior to opening a Gold Investment Account, the investor is required to maintain either a savings account or current account in RM to facilitate the transaction, administrative fees or and other charges.

Enjoy the rewards of a golden investment

    * Secure, hassle-free investment
    * You will be investing in gold without the inconvenience of storing and transfering the physical gold, or the security concerns of holding it.
    * The account is reflected in your statement.

    * Low price spread
    * The difference between buying and selling prices is low.

    * Conversion to physical gold
    * You may convert the gold purchased under PGA and GSA to physical gold (subject to UOB Bank’s approval). A nominal conversion fee will be charged for the conversion.

    * Instant liquidity
    * You can cash in your investment any time during banking hours.

Pelaburan Emas di Public Bank

Gold Investment Account

Key Benefits

• To earn potentially higher return from appreciation in gold price.
• Convenience of investing in gold as trading is carried out through a passbook/ online.
• Small difference between selling and buying prices.
• Affordable initial purchase and subsequent investment.
• Invest in gold without having to keep the gold physically.
• Gold is the best possible hedge against inflation.
• Alternative investment avenue to build up personal gold portfolio which is cheaper compared to invest in gold jewellery as the latter will incur additional cost on workmanship.

What is a Gold Investment Account?

• Gold Investment Account is an account which allows individual customers to purchase the purest available gold commodity in 99.99% fineness at daily prices for 1 gram in Ringgit Malaysia (RM).
• A passbook will be provided to the account holders and every purchase/sale order will be recorded in the passbook.

Eligibility	• Individuals (resident or non-resident) aged 18 years and above. • Personal or joint
Minimum Initial Purchase	20gms
Minimum Balance in the Account	2gms
Minimum Subsequent Purchase/ Sale	5 grams and must be in multiple of 1 gram
Gold Purchase	• Gold purchase will be based on the Bank's prevailing gold SELLING price quoted in RM per gram. • The mode of payment accepted for purchase of gold are : - cash - debiting of account - house cheque • No physical gold deposit is allowed.
Gold Sale/ Withdrawal	• Gold sale will be based on the Bank's prevailing gold BUYING price quoted in RM per gram. • Withdrawal options available are : - Cash - Crediting of account - Collection of physical gold withdrawal at selected branches
Account Opening Requirement	Customer is required to maintain either a savings account or current account prior to opening a GIA to facilitate the debiting of service fee, if any.
Service Fee	An annual fee of RM10 will be levied on the designated deposit account on the first day of the calendar year if the account balance is below 10gms as at year end.
Online Gold Trading via PBeBank.com	• Available from 9.30 a.m. to 4.45 p.m., Monday to Friday when the Bank is opened for business in the Federal Territory of Kuala Lumpur. • Gold purchases and sales are offered at a discounted price. • Registration of GIA for PBeBank.com online banking service is required. • Transaction Limit: Minimum 5 grams per transaction Maximum RM50,000 equivalent per GIA account per day for both gold purchases and sales.

Don't miss out on this golden investment!

Terms and conditions apply.

Not insured by PIDM.

Pelaburan Emas di Maybank

Gold Savings Passbook Account

An investment account that lets you make deposits and withdrawals in gold based on daily gold prices at any Maybank branch

Minimum deposit:
5gm
Trading unit:
Minimum 5gms in multiples of 1gm
Fineness:
999.9 gold

Benefits

• Convenience of deposit, withdrawal and closing of GSPA account at any Maybank branch in Malaysia
• Introduced by the country's largest bank, 100% backed by physical gold and in collaboration with the World Gold Council
• Cheaper as gold prices quoted are pegged to international gold prices without additional charges
• Ability to build a personal gold portfolio by purchasing gold in small amounts (minimum 5gms) regularly over a period of time
• Opportunity for capital gain if the price of gold appreciates
• Possible hedge against inflation
• Easy access to account details and transaction history via Maybank2u.com for GSPA individual / joint account holders with Maybank2u.com access.

Who can apply

• Individuals
• Joint account – maximum 4 persons

How it works

The Gold Savings Passbook Account (GSPA) is an account that lets you invest in gold in a convenient, more secure and cheaper way. You can purchase gold in 999.9 fineness at all Maybank branches at daily quoted gold prices for 1gm in Malaysian Ringgit. All transactions will be recorded in your GSPA passbook.
Whenever you need to, you may conveniently withdraw from the GSPA to be exchanged with cash. The amount of gold holdings can be converted to Ringgit Malaysia (RM) equivalent at the prevailing market (gold) price.

Pelaburan Emas di Kuwait Finance House

Gold Account-i

Gold... Your Gateway to Diversified Investments
With KFH Gold Account-i, you can conveniently invest and trade in Gold. This account allows you to track and plan your investments wisely as trades are recorded in your account statement.
Make the right choice and talk to us today. We can help you plan your investments.

Product Features and Benefits

1. Own and trade in Gold without the necessity to hold on to the physical commodity
   Make the most of commodity price fluctuations with the peace of mind that you have the option to not hold on to the physical commodity.
   
2. Ease of purchase
   Deposit or purchase can be arranged via a direct debit transaction from your KFH Savings Account-i or KFH Current Account-i.
   
3. Affordable initial deposit
   Open an account with an initial deposit or purchase of 10 grams of Gold.
   
4. Withdrawal or sell at the Bank's purchase price of gold
   The amount of withdrawal is equivalent to the amount of gold sold based on the Bank's buying price for gold.

Eligibility

• Personal Account holders must be 18 years, or above.
• Non-personal account holders such as companies, associations, clubs, societies, professionals and government agencies.
• Minimum deposit:
  • Personal Account Holders
    Initial deposit, or purchase of 10 grams of Gold, with subsequent purchase or deposit of 5 grams each. (Deposit or purchase can only be in multiples of 1 gram)
    
  • Non- Personal Account Holders
    Initial deposit, or purchase of 50 grams of Gold, with subsequent purchase or deposit of 5 grams each. (Deposit or purchase can only be in multiples of 1 gram)

Types of Account

• Personal Account
• Non-personal Account

Terms and Conditions

Subject to terms and conditions. The bank reserves the right to review and change the above features and benefits, as it deems necessary.