Bullion premium report
What physical gold and silver actually cost over spot right now — the cheapest premiums, the dealer spread, and the gold-to-silver ratio. Live and cash/wire basis, as of Jul 29, 2026, 4:52 AM.
The lowest premium on a 1 oz gold coin is 0.7% over spot at SD Bullion ($4,053), versus a 1.8% median across 16 dealers, a 5.0% spread ($203/oz between cheapest and priciest). On 1 oz silver, the cheapest is 0.7% at Gainesville Coins ($58), with premiums ranging up to 18.2%.
The overall cheapest dealer right now is Gainesville Coins, averaging 5.8 points below the typical premium across contested categories. The gold-to-silver ratio sits at 70 — meaning one ounce of gold trades for about that many ounces of silver. 60 products hit a new low premium in the past week.
See the live board
Every dealer, every weight, ranked by premium over spot.
Figures are computed live from StackerSpot's dealer price data on a cash/wire basis, recomputed against current spot, as of Jul 29, 2026, 4:52 AM. Across 19 dealers and 1266 offers. See the methodology and data & coverage. Informational only — not investment advice.