Risk disclaimer
Read this before you rely on any number on this site.
The rates published on xauticker.com are indicative estimates derived from third-party wholesale data. They are not an offer, solicitation or recommendation to buy or sell any metal or financial instrument, they are not a price at which anyone will trade with you, and they are not investment advice.
What "indicative" means here
We take a wholesale spot price in US dollars, convert it with a published central-bank reference rate, and apply statutory duty and a flat trade premium to arrive at a retail-style figure. Every step is set out on the methodology page. That makes our numbers a reasoned estimate of the level a market is around — not a quote.
A quote is something a counterparty is willing to trade on. We are not a counterparty.
Why your jeweller's price is different
This is the single most common question we get, and the gap is usually legitimate on both sides. A shop price includes things a published rate structurally cannot:
- Making charges — set per piece by the jeweller, commonly 6–20% and sometimes far more for intricate work.
- GST at 3% — added on the metal value plus making charges. Our headline rates exclude it, by convention.
- Wastage and hallmarking — real costs of turning bullion into jewellery.
- Local supply and demand — wedding and festival seasons move retail premiums.
- The dealer's own margin — which is theirs to set.
A difference of several percent between our rate and a shop counter is normal. A very large difference is worth asking about — but ask the jeweller, not us; they know their price build-up and we do not.
No advice, no authorisation
C. Kerger is not authorised or regulated as an investment firm, credit institution or financial adviser in California, United States or anywhere else, and does not provide any regulated service. Nothing here is a personal recommendation. We do not know your objectives, your financial position, your tax situation or your risk tolerance, and we are not able to advise you on them.
Precious metals carry risk
- Prices can fall as well as rise, sharply and without warning.
- Past performance says nothing reliable about future performance.
- Currency movement can amplify or erase a gain measured in your own currency.
- Physical metal carries storage, insurance, purity and liquidity risks that a price chart does not show.
- Leveraged exposure to metals can lose more than the amount invested.
Errors, delays and outages
Our data comes from third parties and travels over the public internet. It can be wrong, late, or missing. The market itself closes at weekends, during which the site shows the last available close, clearly labelled DELAYED. If every source fails, the site labels itself NO DATA — figures shown in that state are placeholders and must not be used.
Always check the freshness label before relying on a figure, and for anything that matters, verify against a second independent source.
Not a benchmark or fixing
Our figures are not an official benchmark within the meaning of Regulation (EU) 2016/1011, and must not be used as a reference price in any contract, valuation, settlement, accounting entry or financial instrument. Where a contract calls for a specific benchmark — an LBMA price, an MCX settlement, an association rate — use that benchmark from its official source.
Liability
To the fullest extent permitted by law, C. Kerger accepts no liability for any loss arising from use of or reliance on this site, including trading losses and losses caused by an inaccurate, delayed or unavailable rate. The limits and exceptions in section 8 of the terms of use apply, including the consumer rights that cannot be excluded.
Read alongside the methodology, the terms of use and the privacy policy.