Easy Payment Purchase (EPP)

Easy Payment Purchase is gold Purchase with monthly payment method – either for 6 months (EPP6) or 10 months (EPP10).

Suitable for people who wants to have commitment.
Forced saving because it feels like we are paying “hutang” but we are actually saving.
Suitable for personal storage at home.
Easy to carry and liquidate (sell) anywhere in the world.
Easy to pawn at most Ar-Rahnu institutions (Brunei included)
Once ordered, it cannot be cancelled/ stopped (penalty is applicable)
Upon payment is completed, gold is ours to be shipped/ collected.

EPP: How It Works?

1️⃣ Register

Open a Public Gold account (FREE). I’ll guide you step-by-step InsyaAllah.

2️⃣ Choose Your Gold & Plan

Pick the gold item you want (e.g. 1 dinar / 5g / 10g) and choose a payment period (EPP6 or EPP10) that fits your budget.

3️⃣ Pay Monthly (Forced Saving)

You pay monthly like a “debt”, but the truth is; you’re saving. Once your EPP starts, you have to complete the payment

*Monthly amount depends on gold type, period and current pricing.

4️⃣ Gold Ready for Collection / Delivery

Once payment is completed, the gold becomes yours and can be:

Collected at Public Gold branch, or
Delivered to your address

*Terms & Conditions apply – depending on gold weight and availability.

Cost associated with EPP

💰 Costs Included in EPP

Monthly instalment amount – total (EPP6 or EPP10)
EPP charge (RM1 / g)
Admin fee (RM15)
Gold premium (already included in the invoice)

⚠️ Not Included in invoice (If Applicable)

Delivery / shipping fee (if gold is delivered)
Penalty (only if payment is delayed and invoice is terminated)

Gold Premium is Gold premium is the additional cost paid on top of the market (spot) price of gold, covering expenses such as minting and packaging. This is why physical gold is always priced higher than the live gold price you see on charts.