Introduction
"Agency Physical Precious Metals Products" refer to tangible precious metals merchandised under the aegis of our bank, supplied by our contracted enterprises. This encompasses Physical Gold (Silver) Bars, Gold (Silver) Commemorative Coins issued by the People's Bank of China (i.e., national legal tender), and other gold (silver) material-based items compliant with legal sales regulations, inclusive of Gold (Silver) Medals, Gold (Silver) Ornaments, Gold (Silver) Jewelry, and more. All products adhere strictly to the "Law of the People's Republic of China on Product Quality" and the "Law of the People's Republic of China on the Protection of Consumer Rights and Interests", ensuring that the manufactured precious metals products meet the standards issued by the General Administration of Quality Supervision, Inspection and Quarantine.
Ordering Process
Select product → Place order → Collect at Branch or direct delivery (based on product attributes)
Trading Hours and Pricing Details
|
Product Type |
Purchase Channels |
Sales Hours |
Pricing Explanation |
|
Physical Gold (Silver) Bars |
Counter Service, Smart Kiosks, Mobile Banking App, Online Banking, Direct Banking |
Monday to Friday, 9:30-18:00 Beijing Time (excluding national public holidays). In the event of other market closures, please refer to IB's announcements. |
This type is priced based on real-time quotes from specified exchanges for gold (or silver). |
|
Gold and Silver Commemorative Coins (Market Floating Price)
|
Counter Service, Smart Kiosks, Mobile Banking App, Online Banking, Direct Banking |
Monday to Sunday, 9:30-16:30 Beijing Time (excluding national public holidays). In the event of other market closures, please refer to announcements from Shanghai Gold Coin Investment Co., Ltd. and IB. |
Product prices vary with the gold market price fluctuations, and the set pricing is based on real-time quotes from the Shanghai Gold Coin Investment Co., Ltd. trading system. |
|
Gold and Silver Commemorative Coins (Fixed Price) and Other Derivative Physical Products Containing Gold and Silver Materials |
Counter Service, Smart Kiosks, Mobile Banking App, Online Banking, Direct Banking |
Counter Service, Smart Kiosks: Based on the operating hours of the bank's regional branches; |
Products have a fixed sales price. |
Special Note: For product purchase channels, refer to the details of the Physical Precious Metals (Agency) Product Information. Trading is not supported during system settlement time from 18:00 to 18:15 daily. For other non-trading hours, please abide by announcements from IB.
Delivery Methods and Timing
(1) Self-collection at Branches
Items can be collected at the designated branch within 25 business days following successful payment of the order. (Specific collection times are subject to branch notifications.)
Direct Delivery from Suppliers
Items will be dispatched sequentially within 30 business days post successful order payment. (For specific dispatch timelines, refer to the detailed product information page.)
Acceptance and Maintenance
(1) Product Acceptance
Upon branch collection or direct delivery, thoroughly inspect the product's packaging and exterior for any damages, deformations, scratches, dents, or other quality issues. If discrepancies, damaged or breached packaging, or missing/damaged goods are identified, please decline receipt in person.
(2) Product Maintenance
1.Ensure the precious metal's sealed packaging remains intact. Store in a dry, clean, PVC-free sealed container to prevent direct air exposure and resultant oxidation or discoloration.
2.Given the soft nature and high malleability of precious metals, avoid contact with hard surfaces to prevent scratches, dents, and fractures. Refrain from wiping them to prevent surface abrasions.
3.Avoid direct hand contact with precious metals and prevent exposure to acids, alkalis, mercury, fluorides, sulfides, and everyday products like perfumes, hair oils, colognes, cosmetics, etc., to prevent chemical reactions leading to discoloration.
4.Due to impurities, storage conditions, and storage methods, the precious metal's surface might exhibit red, white, or black spots. Such issues do not impact the metal's purity or weight.
Risk Disclosure
Physical precious metals are considered investment commodities. Once a purchase is successfully completed for these products, the standard seven-day return or exchange policy does not apply. For certain products, order cancellation requests can be made through the purchasing platform before 18:00 on the payment day, and funds will be promptly refunded to the payment account. Beyond this timeframe, the bank will no longer accept cancellation requests. Products that have been collected are exempted from cancellations; notably, orders for the Shanghai Gold Panda Coin, once charged, are irrevocable. The product prices displayed across the bank's various platforms represent the purchase cost, which may fluctuate based on market dynamics. Prospective buyers are advised to exercise caution before placing orders.
Physical precious metal products are supplied by our affiliated enterprises, which are responsible for product design, manufacturing, distribution, and after-sales services. IB operates as a sales agency and does not assume liability related to the investment, redemption, quality, or risk management of the products and associated gifts.
The images of physical precious metals showcased on the official IB website, mobile banking app, and online banking platforms are illustrative. For accurate representation, refer to the actual product. For further details, consult an IB branch or contact the 95561 customer service hotline.