Save Gold With Confidence
Public Gold provides a secure and convenient way to build your gold
savings, supported by Shariah-compliant practices and reliable services.
Shariah-Compliant
Public Gold is monitored and advised by the Shariah Panel of Amanie
Advisors, helping customers save gold with greater confidence.
Free Gold Storage
The Gold Accumulation Program (GAP) provides free gold storage, allowing
you to own and accumulate physical gold conveniently.
Insured Gold Delivery
Gold can be delivered directly to your doorstep through the insured
Gold-in-Transit service.
Safety Is a Priority
Public Gold maintains dedicated security measures at its branches and
throughout its operations.
Public Gold Shariah Compliant Certificate
Public Gold is the FIRST Shariah-Compliant Gold and Silver Trading Company in the world
- Monitored by Amanie Advisors Sendirian Berhad Shariah Panel
- Shariah-Compliant for purchases of physical gold paid in Full Payment or Easy Payment Purchase and PG Buyback (Jual Emas)
- Shariah-Compliant for purchases of gold and silver via GAP and SAP respectively
Gold Premium (GP) Charges in Public Gold
Gold Premium (GP) = The fee charged when you want to buy gold outright or redeem physical gold from your GAP account.
- WM - West Malaysia (Semenanjung Malaysia)
- EM - East Malaysia (Sabah/Sarawak)
- Charges depend on item weight
Payment via FPX
The FPX payment method makes it easy for users to make online purchases through almost all banks in Malaysia (Only Malaysia)
- FPX Payment is received by Public Gold automatically
- No service charge to user
Gold In Transit (GIT) - Shipping of Gold
Delivery of gold to home. First in Malaysia.
- Only for gold weighing 5 dinar (21.25g) and below can be delivered to home
- Trusted and insured couriers
- Charges varies subject to weight
My achievements with Public Gold
REGISTER NOW!
Step 1 : Register Public Gold Account for FREE here
Step 2 : Download Public Gold apps
Step 3 : Login to your Public Gold Account Username: Your IC number Password: Your IC number
FREQUENTLY ASKED QUESTIONS
ASB, Tabung Haji, or gold, which is better?
For short-term savings, under 2 years, ASB or Tabung Haji is better. The returns are consistent at around 4% to 5% per year.
But for long-term savings, gold is better. Its value is more secure and is not easily affected by a country’s economic or political situation.
Although gold prices may rise and fall in the short term, the past 20 years show that gold prices have increased by an average of around 10% per year. Gold prices are expected to rise in the long term due to inflation and the weakening of the ringgit.
For short-term savings, save in ASB or Tabung Haji. For long-term savings, save in gold.
ASB, Tabung Haji, or gold, which is better?
For short-term savings, under 2 years, ASB or Tabung Haji is better. The returns are consistent at around 4% to 5% per year.
But for long-term savings, gold is better. Its value is more secure and is not easily affected by a country’s economic or political situation.
Although gold prices may rise and fall in the short term, the past 20 years show that gold prices have increased by an average of around 10% per year. Gold prices are expected to rise in the long term due to inflation and the weakening of the ringgit.
For short-term savings, save in ASB or Tabung Haji. For long-term savings, save in gold.
Jewellery or pure gold, which is better?
If you are buying gold for savings or investment, gold bars or dinars with 999.9 purity are more worthwhile.
The price per gram is about 15% cheaper compared to jewellery, and the spread, or price difference, is much lower, usually below 10%.
Jewellery is not suitable for savings or investment. It is only suitable for wearing.
The price is higher, workmanship charges are added, and the spread is very high, around 25% to 40%. This makes it less profitable.
What is the difference between a dinar and a gold bar?
Gold bars and dinars have the same profit potential. The price per gram is the same, the spread is the same, and the purity is also the same, 999.9.
The only difference is the shape. A dinar is round, while a gold bar is rectangular. One dinar weighs 4.25 grams.
Gold bar image on the left and dinar image on the right.
When is the best time to buy gold?
The best time is when you have money that you can set aside for at least 2 years or more, and you already understand the basics of gold.
Do not wait for the best price, because no one knows when gold is at its lowest until it has already become history.
In the short term, gold prices do rise and fall. But in the long term, gold prices are expected to rise because the purchasing power of paper money continues to decline.
To understand gold price movements, start with your first purchase of at least 1 gram as a benchmark. As long as you hold physical gold and buy it for long-term savings, the risk of loss is very low.
How do I register as a Public Gold member?
Register here for free:
Adult Account
Junior Account, below 18 years old
After successful registration, download the Public Gold app to make purchases more easily.
Android
iOS
Contact me on WhatsApp if you have any questions or would like to join the gold savers support group under my guidance.
What is the minimum budget to start saving gold?
With Public Gold, you can start saving gold with a budget as low as RM100 through the GAP Gold Account. You can also add to your savings anytime with RM100 for each purchase.
There is no requirement to buy every month.
The smallest item that can be withdrawn from a GAP Account is a 1 gram gold bar with 999.9 purity, available in various designs.
Public Gold releases different 1 gram gold bar designs from time to time. Keep topping up your GAP Account so you do not miss out on a design you like.
Physical gold or GAP Gold Account, which is better?
The best form of gold savings is physical gold that we keep in our own hands. It gives greater peace of mind.
However, to make sure we save consistently, I personally prefer the GAP Gold Account. It is easier and more flexible.
GAP is also physical gold. You can start saving with a budget as low as RM100. Once you have enough grams and want to withdraw physical gold to keep yourself, you can ask Public Gold to post it to you anytime.
How much gold is subject to zakat?
Gold savings are subject to 2.5% zakat if they reach 85 grams, equivalent to 20 dinars, and are kept for at least 1 year based on the Hijri calendar.
Jewellery is also subject to zakat if the total amount of gold exceeds the uruf set by the Islamic Religious Council according to each state.
For more information on zakat calculation, please refer to:
https://www.zakat.com.my/info-zakat/jenis-jenis-zakat/zakat-emas
Can I buy directly by walk-in at the nearest Public Gold branch?
Public Gold does not accept walk-in purchases.
For the convenience of more than 1 million customers, Public Gold branches only provide service for customers who want to collect larger gold items that cannot be delivered through GIT, or insured postage. This applies to items of 50 grams / 10 dinars, 42.5 grams, and above.
To collect gold at a branch, you must place an order, make payment, and set an appointment first.
For smaller items, 5 dinars / 20 grams and below, Public Gold will post them directly from HQ Penang using the Gold-in-Transit, or GIT, service.
For purchase instructions, follow the guide HERE.
If the GAP Account owner passes away, how can the gold be claimed?
The beneficiary must go to the nearest Public Gold branch and submit the following documents:
1. Beneficiary’s identity card, or the identity card of the legally authorized representative
2. Death certificate
3. Court order for distribution of assets, which must state the gold balance in the deceased person’s Public Gold Account
4. Letter of administration
Public Gold follows the normal procedure for managing a deceased person’s assets, similar to money in a bank account.
Testimonial
Look at what gold savers have to say and discover why they choose to diversify their savings by including gold as part of their financial strategy.
2,628,228
and more registered member
18
Branches in Malaysia
18
Years of Operation
contact hazirah
HAZIRAH BINTI HAJI JALIL
Master Dealer Public Gold (PG00205189)
