Your metal purchase is based upon the prevailing goldgram, silver ounce or platinum gram exchange rate, which is the metal's current spot price plus an exchange fee.

The exchange fee for a goldgram purchase ranges from 0.98% to 2.49% above the prevailing spot gold price, depending upon the size of the transaction.  The exchange fee for a silver purchase ranges from 1.99% to 3.99% above the prevailing spot silver price, and platinum from 2.19% to 4.39%.

When you sell your metals, you always receive the Current Spot Rate (there is no exchange fee).

With GoldMoney you avoid costly shipping/handling because you are purchasing metals already stored in a vault. You also avoid the often high mark-up one must pay for bullion coins and small bars to cover their fabrication costs.