Purchasing From Chards
This page provides information on payment methods.
Customers can opt to pay in GBP, USD, or EUR. We offer an exchange rate on our website if you change the currency or if you call up we can advise on the live 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 card 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 fix 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.
Deposits, Pre-funding & Same Day Transfers
All orders over £50,000 require a minimum 10% deposit to fix the price and can be paid by debit card (where less than £10,000) or bank transfer. This will ensure that your price remains fixed in the event of banks limiting daily transactions. Payment must be set up immediately and the remaining balance must be paid within 48 hours. Please contact us if you are unable to do this.
Customer can choose to pre-fund accounts in two ways. The first option is to deposit fiat currency with us and we hold this in our client account. The second is to buy metal on account over the course of a few days or weeks to complete your purchase. Buying metal on account allows you to take advantage of oppurtune metal pricing rather than waiting to fix a future price once you reach a sufficient fiat currency balance.
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 mandatory for all cash transactions; please click here for more details.
Cash payments are accepted at our showroom. A 0.5% fee applies to cash payments exceeding £1,000. Please be aware that we can only accept a maximum of £7,500 in cash per transaction.
Kindly ensure payment is made within 24 hours of placing an order. We do not recommend sending cash through the post.
Unfortunately, we have decided against accepting 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 Chards
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 0.5% 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 can only accept a maximum of £7,500 in cash per transaction.
- We reserve the right to request identification for any investment silver transactions.
- For more information on investment purchases, click here.