Frequently Asked Questions

GAP prices change daily around midnight while physical gold prices change every 20 minutes, so at any given moment the GAP price is lower or higher than the physical price.

Also, the GAP price is the same for every gram, while physical prices are not. The larger the physical gold gram, the lower the price per gram.

The biggest difference is the gold quality. Savings gold is usually 24k or 999 quality, while jewellery gold is usually 22k or 916 quality. Jewellery gold carries higher workmanship charges and is less suitable as savings with high-return expectations.

Actually the best time to buy gold is when we have savings money that will not be used anytime soon. If you wait for a low price, nobody knows whether tomorrow's price will be low or high.

The biggest difference is size and design. 1 dinar = 4.25 grams. In design, dinar sets are round while Bungamas or Tai Fook gold bars are square.

Gold in a GAP account as well as physical gold, bars or dinar: if your gold savings reach 85 grams or more and a full year has passed, zakat is obligatory at 2.5% of the current price. More information at Zakat.com.my.

Free registration can be done here.

Please WhatsApp me after registering for guidance.

The gold spread is the difference between the buy price and the sell price of gold at the same time.

You can register a Public Gold junior account here.

A regular GAP account is for savers aged 18 and above, while a GAP Junior account is for savers under 18. Parent/guardian details must be added when registering a GAP Junior account.

TUNTUTAN EMAS DI PUBLIC GOLD [ JIKA BERLAKU KEMATIAN ]
If a GAP gold saver passes away, the documents heirs need to claim the gold at a Public Gold branch are:

• Death Certificate
• Marriage Certificate [ Husband/Wife ], [ if a child is the heir then submit the birth certificate ]
• Heir's IC copy
• Court letter – transfer of ownership / administration of the deceased's estate to the heir [ wife/children ]

Once all documents are ready, submit the complete set to Public Gold at the nearest branch for the transfer of ownership process.

If an Easy Payment Purchase [ EPP ] was made, heirs can also file a claim. There are 2 possibilities;
[a] Sell back to Public Gold at the current price minus a 10% penalty or
[b] Heirs can pay the remaining gold value and claim the gold.

*Subject to changes in terms & conditions by Public Gold International Berhad.

The Gold Accumulation Program (GAP) account is the easiest and cheapest way to save gold in Malaysia. It is Shariah-certified.

Benefits of the GAP Gold Account:

1. Start buying and saving physical gold online with a minimum budget of RM100
2. There is no mandatory monthly purchase. Buy & sell online any time.
3. That gold can be stored with PG for free. No purchase limits and no time limit for saving.
4. If you buy 1 gram, that gold stays 1 gram in your account even if the price has changed.
5. If you want to take the gold out and keep it yourself, you can. You can withdraw any time.
6. You can withdraw physical gold from as small as a 1 gram gold bar up to 1 kilogram of gold. Dinar items work too, as long as your account balance is sufficient.
7. You can ask PG to post gold straight to your home via the service called GIT (Gold In Transit).