Payment Options

How To Get Started

At Chards, we understand the importance of providing our customers with various payment options. That's why we offer several payment methods to ensure you can purchase precious metals from us in the most convenient way possible.

We always recommend to our customers that they read our Terms & Conditions and ensure good understanding to guarantee satisfaction before purchasing any precious metals from us.

Need a helping hand? Please call our Customer Support team on 01253 343081 or email us at [email protected]


Our Payment Options:

You can place your order online or visit our showroom in Blackpool to pay for your bullion using 1 of our 5 payment methods, as follows:

1. Debit Card or Showroom Collection


We accept debit cards for orders up to the value of £10,000, that have Mastercard SecureCode / Verified by Visa set up. 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 via email which will then re-direct you to pay by debit card online.

There are no charges for using your debit card as payment.

2. Bank Transfer

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.

Payments not received within 24 hours of your order being placed may be cancelled/re-dealt and subject to an administration fee. Additionally, customers that wish to place an order and pay via bank transfer. Payment will need to be in our account for 24 hours before the order is collected/delivered 

Orders paid for via bank transfer may be sent to an alternative delivery address, please note this is for orders under £10,000 only. There are no charges for bank transfers if your bank account is a part of the faster payments scheme. 

  • 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.

3. 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. 

It's important to note that you can pre-fund your account by paying with bank transfer, debit card, or even cash in the showroom.

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, this option incurs a monthly storage fee of minimum £10 + VAT.

Buying metal on account allows you to take advantage of opportune 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. Chaps isn't always available, its at the companies discretion to whether we offer it that day or not.

4. Cash

Identification is mandatory for all cash transactions. 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. 

5. Cheque

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/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. Please note that Chards no longer accepts international cheques, and they will be considered invalid as a form of payment.

Please make cheques payable to "Chard 1964 Ltd" There is no charge for cheque payments.

Do you accept Credit Cards?

Unfortunately, we have decided against accepting credit cards. This is due to an EU directive which came into force on 13 January 2018, companies are banned from charging any fees or surcharges on credit card payments. This is partly to make credit card payments more competitive as currently some EU member states are allowed to apply surcharges to transactions and some member states are not. 

Fully Insured

Our specialist insurance through Lloyd's of London covers against any potential risks associated with orders, deliveries and our vaulting service giving customers peace of mind.