Bullion premiums today: the Bullion Premium Index — the median of each basket product’s daily lowest premium — stands at 4.38% for silver and 1.53% for gold (index date 2026-11-13; silver up 2.34 points, gold down 0.07 points versus seven days earlier). The single lowest premium tracked right now is the 1 oz American Silver Eagle at -0.82% over spot ($49.69 at MintBuilder), and the lowest gold premium is the 1 oz South African Gold Krugerrand at 1.30% ($3,960.40 at Monument Metals).
Spot and dealer data as of November 13, 2026, 12:46 AM ET. Data by Bullion Price Check. Dealer prices are single-unit check, ACH, or wire prices before shipping and tax; this page is refreshed daily.
The Bullion Premium Index
The index is calculated daily by Bullion Price Check from a fixed basket of widely traded 1 oz products: for each product it takes the lowest premium over spot offered by any tracked dealer that day, then takes the median across the basket. On 2026-11-13 the index read 4.38% for silver and 1.53% for gold — silver up 2.34 points and gold down 0.07 points against the 2026-11-06 reading. A rising index means dealers’ cheapest offers are pulling away from spot (tight supply or heavy demand); a falling index means the cheapest metal is getting cheaper relative to spot.
Premiums by product
Silver premiums today — lowest tracked dealer price and premium over spot per product, November 13, 2026
| Product | Weight | Melt value | Lowest price | Lowest at | Premium over spot |
|---|---|---|---|---|---|
| 1 oz American Silver Eagle | 1 oz | $50.10 | $49.69 | MintBuilder | -0.82% |
| 90% “Junk” Silver – $1 Face Value | $1 face (0.715 oz) | $35.82 | $35.54 | MintBuilder | -0.79% |
| 1 Kilo Silver Bar | 32.1507 oz | $1,610.75 | $1,646.08 | MintBuilder | 2.19% |
| 100 oz Silver Bar | 100 oz | $5,010.00 | $5,134.00 | Monument Metals | 2.48% |
| 1 oz Austrian Silver Philharmonic | 1 oz | $50.10 | $52.07 | MintBuilder | 3.93% |
| 1 oz Silver Buffalo Round | 1 oz | $50.10 | $52.23 | MintBuilder | 4.25% |
| 1 oz South African Silver Krugerrand | 1 oz | $50.10 | $52.28 | MintBuilder | 4.35% |
| 10 oz Silver Bar | 10 oz | $501.00 | $522.90 | MintBuilder | 4.37% |
| 1 oz British Silver Britannia | 1 oz | $50.10 | $52.35 | MintBuilder | 4.49% |
| 5 oz Silver Bar | 5 oz | $250.50 | $262.93 | Bullion Standard | 4.96% |
| 1 oz Australian Silver Kangaroo | 1 oz | $50.10 | $52.77 | MintBuilder | 5.33% |
| 1 oz Canadian Silver Maple Leaf | 1 oz | $50.10 | $53.45 | Bullion Standard | 6.69% |
| 2026 1 oz American Silver Eagle | 1 oz | $50.10 | $55.46 | Bullion Standard | 10.70% |
Gold premiums today — lowest tracked dealer price and premium over spot per product, November 13, 2026
| Product | Weight | Melt value | Lowest price | Lowest at | Premium over spot |
|---|---|---|---|---|---|
| 1 oz South African Gold Krugerrand | 1 oz | $3,909.75 | $3,960.40 | Monument Metals | 1.30% |
| 1 oz Gold Bar | 1 oz | $3,909.75 | $3,969.73 | Bullion Standard | 1.53% |
| 1 oz PAMP Suisse Lady Fortuna Gold Bar | 1 oz | $3,909.75 | $3,977.50 | Monument Metals | 1.73% |
| 1 oz Austrian Gold Philharmonic | 1 oz | $3,909.75 | $3,978.88 | Hero Bullion | 1.77% |
| 1 oz Canadian Gold Maple Leaf | 1 oz | $3,909.75 | $3,995.00 | Monument Metals | 2.18% |
| 1 oz American Gold Eagle | 1 oz | $3,909.75 | $4,024.99 | MintBuilder | 2.95% |
| 1 oz British Gold Britannia | 1 oz | $3,909.75 | $4,031.87 | Summit Metals | 3.12% |
| 1 oz American Gold Buffalo | 1 oz | $3,909.75 | $4,049.00 | MintBuilder | 3.56% |
| 1/4 oz American Gold Eagle | 0.25 oz | $977.44 | $1,035.91 | Hero Bullion | 5.98% |
| 1/10 oz American Gold Eagle | 0.1 oz | $390.98 | $438.53 | Bullion Standard | 12.16% |
Platinum premiums today — lowest tracked dealer price and premium over spot, November 13, 2026
| Product | Weight | Melt value | Lowest price | Lowest at | Premium over spot |
|---|---|---|---|---|---|
| 1 oz American Platinum Eagle | 1 oz | $1,528.50 | $1,672.65 | Monument Metals | 9.43% |
Methodology
Spot prices and dealer prices come from Bullion Price Check, which reads each tracked dealer’s own product pages roughly hourly during the trading day (6 AM to midnight ET) and takes spot from gold-api.com. Each table row shows the lowest single-unit check, ACH, or wire price checked in the last 24 hours for that product. Melt value = spot price × the product’s troy-ounce weight. Premium over spot = (price − spot × weight) ÷ (spot × weight). The headline index values are Bullion Price Check’s own Bullion Premium Index (published CC BY 4.0), the median of the basket products’ daily lowest premiums. Prices exclude shipping and tax and are not delivered totals. This page is regenerated daily from the feed named above; between refreshes, dealer sites show live prices.
How to use this page
Start with the premium column, not the price column: two products can differ by hundreds of dollars and still be the same deal once weight and spot are accounted for. When the index is low and falling, generic bars and rounds are usually the efficient buy; when a specific coin’s premium detaches from the index — the American Silver Eagle is the usual case — you are paying for the mint’s distribution structure and resale recognition, not for more metal. For the deep dives this page deliberately does not duplicate: cheapest silver bars compares bar sizes dealer by dealer, cheapest silver rounds does the same by design, best 1 oz gold bars ranks the major gold bar brands, gold and silver bar brands ranked covers premium and resale by brand, and silver bar premiums explained walks through how spot, retail, and buyback prices relate. The companion spot pages are silver price today and gold price today.
Best bullion premiums online for beginners
Beginners should compare the premium over spot — not the sticker price — and start with standard sizes like 1 oz coins and bars, where premiums are lowest.
Today the Bullion Premium Index stands at 4.38% for silver and 1.53% for gold (index date 2026-11-13; Data by Bullion Price Check, data as of November 13, 2026, 12:46 AM ET).
Bullion premiums — FAQ
What is a bullion premium?
The amount you pay above the spot (melt) value of the metal in a coin or bar, expressed here as a percentage. It covers minting, distribution, and dealer margin. Today the lowest tracked silver premium is -0.82% on the 1 oz American Silver Eagle, and the lowest gold premium is 1.30% on the 1 oz South African Gold Krugerrand.
What is the Bullion Premium Index?
Bullion Price Check’s daily index: for a fixed basket of widely traded 1 oz gold and silver products, it takes each product’s lowest dealer premium that day and reports the median. It is the cleanest single gauge of whether physical premiums overall are expanding or compressing. The current readings are in the index section above.
Why is the American Silver Eagle premium so much higher than a silver round’s?
The U.S. Mint sells Eagles only through authorized purchasers at a fixed markup over spot, and that structure carries through every resale; a private-mint round has no such layer. In today’s table the Eagle’s premium is -0.82% against 4.25% for the Buffalo round.
What is a normal premium over spot?
There is no single normal — it depends on the product. As today’s tables show, large silver bars and generic rounds sit at the low end, sovereign 1 oz coins in the middle, and small fractional gold at the top, because fixed minting and handling costs land on less metal. The index section above shows where the overall market sits today versus last week.
How often is this page updated?
Daily. The spot figures, dealer prices, premiums, and index values above are regenerated from the Bullion Price Check feed each day, and the “as of” stamp at the top of the page shows the feed time.
Data by Bullion Price Check, data as of November 13, 2026, 12:46 AM ET.