Read our payment methods and ID requirements in order to buy bullion from Chards.
Purchasing from Chards
All online orders are limited to £100,000 per transaction. If you wish to invest more than £100,000, please contact our showroom to place your order on 01253 343081.
At Chard, we offer four payment options. You may wish to pay in either Sterling, US Dollars, Canadian Dollars or Euros. If you wish to pay in a currency other than sterling, please contact our team for the current exchange rate.
International customers may have longer payment clearing times than UK customers and may be subject to bank fees.
We accept debit cards for orders up to the value of £10,000, that have Mastercard SecureCode / Verified by Visa set up. If you do not have this facility, you will be re-directed to your bank on your first payment transaction. This is an extra security feature for both you and us which is necessary due to the nature of the business.
Orders paid for by debit cards will only be dispatched to the registered billing address of the card. The order will only be accepted if the cardholder name matches the name on the order form. We may ask for additional confirmation, in the form of photographic identification, in order to prove your identity and your registered address.
If you wish to pay for your order online and collect from our showroom you MUST bring your payment card and two forms of identification; a passport and a photo driving license OR a passport or photo driving licence AND a recent utility bill with your current name and address, dated within the last three months.
You may pay by debit card in our showroom. We would advise contacting your bank prior to the payment to speed up the process of authorisation.
If you wish to place a bullion order over the phone, you can speak to one of our friendly team members. You will receive a payment link which will then re-direct you to pay by debit card online.
There are no charges for debit card payments.
You may place your order online and opt to pay by bank transfer. Payment must be set up immediately to honour 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.
Deposit Payments & Same Day Transfers
All orders over £50,000 have the option to pay a minimum of a 10% deposit either by debit card (if below £10,000) or by a same day / CHAPS payment. This will ensure that your price remains fixed in the event of banks limiting daily transactions. Payment must be set up immediately.
The remaining balance must be paid within 48 hours. Please contact us if you are unable to do this.
Please note that most same day / CHAPS payments have a fee of approximately £20 and a cut off time of 2:30pm. Please check with your own branch for more information.
You can select the cheque payment method online once you have placed your order. You may also place an order over the phone or within our showroom and pay by cheque. Please note we allow 8 working days clearing for UK cheques.
Cheques MUST be sent the same day by 1st class post. Any cheques received after 24 hours of your order being placed (or with a post mark dated after your order) may be cancelled/refunded/re-dealt and subject to an administration fee. Orders for payment via cheque must therefore be placed before the days last post within your area.
US Dollar, Canadian Dollar and Euro cheques are subject to an approximate 6 week clearing period.
Please make cheques payable to "Chard 1964 Ltd"
There is no charge for cheque payments.
Identification is required on all cash transactions, please click here for further information.
Cash can be paid at our showroom or into our bank account at any Barclays branch, providing we have provided you with a paying in slip. Please note that payment should be received within 24 hours so it is advised you ask us to provide you with a paying in slip before an order is placed. Unfortunately, there are no discounts for cash payments.
We would not recommend sending cash through the post.
There is no charge for this payment method.
Unfortunately, we have made a choice not to accept credit cards. For more information, please read our blog.
Bank Account Details
Please note as of 28th November 2019, our bank details have changed. Please contact us for more information.
Selling to Chard
If you wish to sell to us, you may visit our showroom or post your goods via fully insured delivery. We offer three payment options. We do not provide third party payments.
This will be set up the same day and can take up to three working days to show in your account. We will need your account number and sort code which can be including on our "Sell to US" form.
Occasionally circumstances beyond our control may result in your payment being delayed. You will be notified at the time of sale if this is the case.
There is no charge.
This is a same day instant payment with a charge of £20. If you wish to have this payment method, please tick the relevant box on our "Sell to Chards" form. All prices must be confirmed before 2:30pm for CHAPS payments to be processed.
Please note CHAPS payments may not always be available.
Cash can be offered with no charge if we have the funds on the premises. However, cash transactions over £1000 may be subject to a 1% cash fee.
All investment gold cash transactions require photo identification. Cash transactions around £5,000 or more will require two forms of identification, one of these being a photo ID and the other being a recent utility bill dated within the last 3 months with your current name and address.
We reserve the right to request identification for any investment silver transactions.
For more information on investment purchases, click here.
ID is required for all of the following:
- If you are purchasing investment gold of any value from the showroom.
- Single orders over £5,000 or multiple orders with a total of £10,000 or more in a 12 month rolling period (this includes anybody connected to you which may include a friend, spouse or other relation).
- Multiple orders over a 48 hour period equating to £5,000 or more by you or anybody related to you.
- International debit card orders.
In some circumstances, ID may be requested on orders below £5000.
Collection From Our Showroom
In addition to ID requirements above; If you have placed your order online by debit card, you must bring the card that you pay with and photographic ID.
If you wish for somebody to collect your items on behalf of yourself, please contact us on 01253 343081.
Acceptable Forms of ID
We will require two of the following forms of identification:
A passport and a photo driving license OR one of these in addition to a recent utility bill with your current name and address, dated within the last three months. We do not have to see the originals. Copies may be sent to [email protected] or via post.
One from each list may be required. For more information, visit HMRC.
|Proof of name||Proof of address|
|Current signed passport||Utility bill (gas, electric, satellite television, landline phone bill) issued within the last three months|
|Original birth certificate (UK birth certificate issued within 12 months of the date of birth in full form including those issued by UK authorities overseas such as Embassies High Commissions and HM Forces)||Local authority council tax bill for the current council tax year|
|EEA member state identity card (which can also be used as evidence of address if it carries this)||Current UK driving licence (but only if not used for the name evidence)|
|Current UK or EEA photocard driving licence||Bank, Building Society or Credit Union statement or passbook dated within the last three months|
|Full old-style driving licence||Original mortgage statement from a recognised lender issued for the last full year|
|Photographic registration cards for self-employed individuals in the construction industry -CIS4||Solicitors letter within the last three months confirming recent house purchase or land registry confirmation of address|
|Benefit book or original notification letter from Benefits Agency||Council or housing association rent card or tenancy agreement for the current year|
|Firearms or shotgun certificate||Benefit book or original notification letter from Benefits Agency (but not if used as proof of name)|
|Residence permit issued by the Home Office to EEA nationals on sight of own country passport||HMRC self-assessment letters or tax demand dated within the current financial year|
|National identity card bearing a photograph of the applicant||Electoral Register entry|
|NHS Medical card or letter of confirmation from GP’s practice of registration with the surgery|
We may require to keep a copy of your identification for 5 years from your last transaction if requested inline with HMRC Money Laundering regulations and 6 years if requested inline with HMRC Investment Gold Notice (701/21).
Copies are usually kept for the following transactions;
- Gold Bullion for Collection
- Orders over £5,000
- Orders over £10,000 in a rolling 12 month period