If your goal is to hold gold as savings, the form you buy it in matters. This guide compares 24K bars with jewellery on VAT, making charges, purity, storage and resale.

The Short Answer

For holding gold as savings, 24K bars are usually the more efficient choice. Jewellery is better bought to wear or to give, because the price includes costs that are not part of the gold itself.

VAT

At Muna Jewellery, 24K investment gold bars are sold without VAT. Jewellery includes 5% VAT in the price shown, and this is usually not recovered when you sell.

Making Charges and Design

A bar is priced on the live gold price plus a refinery premium. Jewellery also includes design and making. When you sell jewellery, buyers generally pay for the gold content, so the making cost is often not returned.

Purity

Bars are 24K (999.9), or 99.99% pure gold. Jewellery is usually 18K, 21K or 22K, so each gram contains less pure gold. Read our guide to gold purity for the details.

Storage and Carrying

A bar is compact and easy to store. A 100g bar is about the size of a phone. Jewellery takes more space for the same gold weight, and stones and settings can add weight that is not gold.

Selling Later

• Sealed bars from recognised refineries are simple to value by weight at the live price.
• Keep the bar in its sealed pack with the invoice and certificate.
• Every dealer buys back below the price at which they sell, so ask about buyback terms before you buy.

Bar Size Matters

Larger bars usually carry a lower premium per gram than small bars, so many buyers choose fewer, larger bars when the budget allows. Smaller bars and coins are easier to start with.

Where Jewellery Makes Sense

Jewellery is for wearing, for gifts and for personal meaning. A name necklace or a ring can matter far more than its gold value. Buy it for that reason, not as an investment.

Risks to Keep in Mind

• The gold price rises and falls, and gold pays no income.
• You need a safe place to keep physical gold, and insurance for larger amounts.
• If you pay in instalments, the gold price can fall while you are still paying.

At a Glance

Shop at Muna Jewellery

• Shop Gold Bars UAE
• Shop Gold Coins UAE
• Shop Gift Jewellery

Read next: Gold Bars vs Gold Coins in the UAE and VAT on Gold in the UAE.

Muna Jewellery is at Ajman Gold Souk, with store pickup and UAE delivery after order confirmation.

This article is general information and not financial, investment or tax advice. Gold prices can fall as well as rise.

A genuine gold bar comes sealed with a matching serial number and certificate from a recognised refinery. This guide shows what to check before and after you buy.

Buy from a Dealer You Can Visit

The first protection is the seller. Buy from an established dealer with a physical shop, a clear address and a way to contact them. Muna Jewellery has been trading since 1994 at Ajman Gold Souk.

Check the Sealed Packaging

Bars from recognised refiners such as PAMP Suisse, Valcambi Suisse, Swiss Gold, BTC and Auriz Minting are supplied in sealed assay packaging. The seal should be intact, with no signs of being opened or re-sealed. If you may resell the bar later, keep it sealed.

Match the Serial Number

Larger bars carry a serial number. The number on the bar should match the number on its certificate or assay card. Photograph both when you receive the bar.

Read the Markings

A genuine bar shows the refinery name or logo, the weight and the purity, for example 999.9. Check that the weight and purity match what you ordered.

Check the Weight and Size

Compare the weight on the packaging with your order. If you want an independent check, a trusted jeweller or assay office can verify a bar, although opening a sealed pack can affect its resale value.

Keep Your Documents

• The invoice with the product name and weight.
• The certificate or assay card.
• Photos of the sealed pack and the serial number.

Warning Signs

• A price far below the market price for the weight.
• A seller who will not give an address or invoice.
• Broken or re-sealed packaging, or a serial number that does not match.
• Pressure to pay quickly with no clear receipt.

Checklist

Shop at Muna Jewellery

• Shop Gold Bars UAE
• PAMP Suisse Gold Bars
• Valcambi Suisse Gold Bars

Read next: How to Buy Gold Bars in the UAE: A Beginner’s Guide.

Muna Jewellery is at Ajman Gold Souk, with store pickup and UAE delivery after order confirmation. Bring your original Emirates ID or passport matching the order name when you collect.

This article is general information and not financial or investment advice.

Whether VAT applies to gold in the UAE depends on the product. This guide explains how VAT is shown at Muna Jewellery for gold bars, gold coins and jewellery.

The Short Answer

At Muna Jewellery, 24K investment gold bars are sold without VAT. Gold coins, necklaces and other jewellery include 5% VAT in the price shown.

Gold Bars

In the UAE, investment-grade gold of 99% purity or higher is generally treated differently from jewellery for VAT. Our bars are 24K, marked 999.9, and are sold without VAT. The price on the product page is the price you pay for the bar.

Gold Coins

Our UAE gold coins are 21K or 22K, so they are not investment-grade bars. The price shown on the product page includes 5% VAT.

Jewellery

Gold jewellery, including necklaces and personalised name jewellery, includes 5% VAT in the price shown. Jewellery prices also include design and making.

What You See at Checkout

• The product page states whether VAT is included.
• The total on the product page is the total of your order.
• Delivery across the UAE is free, and you can also collect in Ajman Gold Souk.

If You Are Unsure

VAT rules can change, and a business may have its own tax position. For tax advice, speak with the UAE Federal Tax Authority or a qualified adviser. If you have a question about a specific product, message us on WhatsApp before you order.

VAT by Product

Shop at Muna Jewellery

• Shop Gold Bars UAE (no VAT)
• Shop Gold Coins UAE (5% VAT included)
• Shop Gift Jewellery (5% VAT included)

Read next: Gold Bars vs Gold Coins in the UAE.

This article is general information and not tax or financial advice. Rules and prices may change.

Karat tells you how much of a piece is pure gold. This guide explains 24K, 22K, 21K and 18K, what the stamps like 999.9, 916, 875 and 750 mean, and which purity suits bars, coins and jewellery.

What Is a Karat?

Karat (K) divides a piece of gold into 24 parts. 24K means all 24 parts are pure gold. 22K means 22 parts gold and 2 parts other metals, 21K means 21 parts gold, and 18K means 18 parts gold and 6 parts other metals.

The Common Purities

• 24K (999.9): 99.99% pure gold, the purity of investment gold bars.
• 22K (916): about 91.6% pure gold, used for traditional jewellery and some coins.
• 21K (875): 87.5% pure gold, very popular for jewellery across the Gulf and used for UAE gold coins.
• 18K (750): 75% pure gold, strong and practical for everyday jewellery and stone setting.

Reading the Stamp

The number stamped on a piece shows its fineness in parts per thousand. A stamp of 999.9 means 99.99% gold, 916 means 91.6%, 875 means 87.5% and 750 means 75%. Check that the stamp matches the karat you are told you are buying.

Why Not Make Everything 24K?

Pure gold is soft. Adding other metals makes it harder, so a ring or bracelet keeps its shape in daily wear and holds stones securely. That is why most jewellery is 18K, 21K or 22K, while bars, which are kept sealed, can be 24K.

How Purity Affects the Price

The gold value of a piece depends on its weight, its purity and the live gold price. A 10 g piece of 21K contains less pure gold than a 10 g piece of 24K, so it has a lower gold value. Jewellery also includes the cost of design and making, which is why two pieces with the same gold content can have different prices.

Which Should You Choose?

• To hold gold as savings: 24K bars.
• For gifts and occasions: 21K or 22K coins.
• For jewellery worn every day: 21K or 18K, depending on the design and whether it is set with stones.

Pure Gold in Each Karat

Shop at Muna Jewellery

• Shop Gold Bars UAE
• Shop Gold Coins UAE
• Shop Gift Jewellery

Read next: Gold Bars vs Gold Coins in the UAE.

Muna Jewellery is at Ajman Gold Souk, with store pickup and UAE delivery after order confirmation.

This article is general information and not financial, investment or tax advice.

Gold bars and gold coins are both physical gold, but they suit different goals. This guide compares purity, VAT, size, price per gram and gifting so you can choose with confidence.

The Short Answer

Choose a gold bar if your main goal is to hold pure gold as efficiently as possible. Choose a gold coin if you want a smaller piece that is easy to give as a gift or to buy in small steps. Both are real gold, and many customers own both.

Purity

Investment gold bars are 24K, marked 999.9, which means 99.99% fine gold. The UAE gold coins we sell are 21K (875) or 22K (916). A coin therefore contains less pure gold per gram than a bar, because part of its weight is another metal that makes it harder and more durable.

VAT

At Muna Jewellery, 24K investment gold bars are sold without VAT. Gold coins include 5% VAT in the price shown. The total you see on the product page is the total you pay for the item.

Price per Gram

The price of both comes from the live gold price in AED, plus a premium for the refinery, packaging and certification. As a general rule, larger bars carry a lower premium per gram, while small bars and coins carry a higher premium per gram because those costs are spread over less gold.

Size and Choice

Gold bars come in many weights, from small bars of a few grams up to 100g, so you can buy gradually or in one larger purchase. Gold coins come in small weights that are easy to afford and easy to give.

Gifts and Occasions

Coins are a popular choice for weddings, births, graduations and other occasions because they are small, recognisable and meaningful. Bars suit buyers who want to save steadily in a simple, sealed form.

Storing and Selling Later

• Keep bars in their sealed assay packaging, with the serial number matching the certificate.
• Keep your invoice and any certificate together.
• The price you can sell at later depends on the gold price on the day and the buyer’s terms, so ask before you buy if resale matters to you.

Quick Comparison

• Gold bars: 24K (999.9), no VAT at Muna Jewellery, lower premium per gram on larger sizes, sealed assay packaging with a serial number and certificate.
• Gold coins: 21K or 22K, 5% VAT included, small weights, popular for gifts and occasions.

At a Glance

Shop at Muna Jewellery

• Shop Gold Bars UAE
• Shop Gold Coins UAE

For more, read our Beginner’s Guide to Buying Gold Bars in the UAE and 24K, 22K, 21K and 18K Gold Explained.

Muna Jewellery is at Ajman Gold Souk, with store pickup and UAE delivery after order confirmation.

This article is general information and not financial, investment or tax advice. Prices and requirements may change.

Buying physical gold should feel clear, secure and straightforward. At Muna Jewellery, customers can explore certified gold bars and 21K or 22K gold coins with current AED pricing and select Tabby when it is available for their order.

Can You Buy Gold with Tabby in the UAE?

Eligible customers may use Tabby to purchase selected gold bars and gold coins from Muna Jewellery.

Tabby availability and approval are determined by Tabby. Eligibility can depend on the customer, product and total order value. The available payment schedule is displayed by Tabby before the customer confirms the purchase.

Shop Certified Gold Bars

Our gold-bar collection includes products from internationally recognized refiners, including PAMP Suisse, Valcambi Suisse, Swiss Gold and other trusted brands.

Each product page provides important information such as:

• Gold purity
• Product weight
• Refinery or brand
• Packaging and certification
• Current AED price
• Available delivery or collection options

Shop 21K and 22K Gold Coins

Gold coins can be suitable for saving, gifting and building a physical-gold collection. Muna Jewellery offers selected 21K and 22K gold coins in different weights.

Choose the preferred purity and weight on the product page before reviewing the current VAT-inclusive price.

How the Tabby Purchase Process Works

1. Choose your product

Select a certified gold bar or gold coin and choose the required weight or variant.

2. Review the current price

Gold prices are market-linked and may change. Review the displayed AED price, quantity and final order total before continuing.

3. Enter your details

Provide the customer information required for payment and fulfilment. Make sure the name matches the identification document that will be presented during delivery or collection.

4. Select delivery or collection

Choose an available UAE delivery option or collection from Muna Jewellery in Ajman Gold Souk.

5. Select Tabby

Choose Tabby when it appears as an available payment method. Tabby will securely assess eligibility and display the available payment schedule before confirmation.

UAE Delivery and Ajman Collection

Available delivery and collection options are confirmed during the order process.

For security, delivery and store collection require the original Emirates ID or passport matching the name on the order. Eligible orders may be collected from Muna Jewellery in Ajman Gold Souk after confirmation.

Are PAMP Suisse Gold Bars Certified?

PAMP Suisse gold bars are internationally recognized products. Individual product pages identify the bar’s purity, weight and supplied packaging.

Customers should review the complete product description before ordering. Products sold in certified assay packaging should remain sealed to preserve their condition and identifying information.

Important Information About Gold Prices

Gold prices are connected to the market and can change over time. Product premiums, weight, purity, applicable VAT and other disclosed charges may affect the final amount.

Always review the final AED total shown before confirming payment.

Frequently Asked Questions

Is Tabby guaranteed to be available?

No. Tabby makes the final eligibility and approval decision. Availability may vary according to the customer and order.

Can I use Tabby for every gold product?

Tabby can only be selected when it appears as an available payment option for that product and order.

Can I collect my gold order in Ajman?

Eligible confirmed orders can be collected from Muna Jewellery in Ajman Gold Souk. The original Emirates ID or passport matching the order name is required.

Does Muna Jewellery deliver across the UAE?

Available UAE delivery options are presented during the order process. Timing and identity-verification requirements are confirmed before fulfilment.

Buy Gold with Confidence

Muna Jewellery has served customers from Ajman Gold Souk since 1994. Explore certified gold bars and gold coins, review the current AED price and choose the payment option available for your order.

Tabby availability and approval are subject to Tabby’s terms and conditions.

Gold bar prices in the UAE change throughout the day because they are connected to the international gold market. Understanding how live pricing works helps buyers compare products and make informed purchasing decisions.

What Determines the Gold Bar Price?

The final price of a gold bar normally includes several components:

• The international gold price
• Conversion from the quoted currency into AED
• The exact weight of the gold bar
• The refinery or brand premium
• Packaging and certification costs
• Dealer handling and service charges

Because these components can change, the price displayed today may differ from the price available later.

International Gold Market Price

Gold is traded internationally, with market prices commonly quoted per troy ounce. One troy ounce is approximately 31.1035 grams.

To estimate the underlying gold value of a bar, the market price is converted into a per-gram amount and multiplied by the bar’s weight.

For example, a 10g gold bar contains ten grams of gold, while a 100g bar contains ten times that amount. However, the final retail price is not determined by weight alone.

AED Currency Conversion

International gold rates are often quoted in US dollars. UAE retailers convert the market value into UAE dirhams using the applicable exchange rate.

Even small movements in the gold market or currency conversion can affect the final AED price.

Gold Bar Weight

Gold bars are available in several popular sizes, including:

• 2.5g
• 5g
• 10g
• 20g
• 31.1g or one troy ounce
• 50g
• 100g

Smaller bars may have a higher premium per gram because manufacturing, certification and packaging costs are distributed across less gold. Larger bars can sometimes provide a lower premium per gram, although they require a larger total purchase.

Brand and Refinery Premium

Gold bars from internationally recognised refiners can have different premiums. The premium may reflect the refinery, design, packaging, certification, availability and demand.

Muna Jewellery offers gold bars from brands including PAMP Suisse, Valcambi Suisse, Auriz Minting, Swiss Gold, ARG and BTC.

Buyers should compare the total price, product authenticity, assay packaging and suitability of the selected weight—not only the underlying gold value.

Why Live Prices Change

A fixed product price can quickly become outdated when the gold market moves. Live pricing helps display a more current estimated selling price based on the latest available market information and the applicable product pricing settings.

Prices may update while a customer is viewing a product. The final price should therefore be confirmed when the order and required payment are processed.

Are 24K Gold Bars Subject to VAT?

Investment-grade 24K gold bars and lower-purity gold products may be treated differently for tax purposes. The applicable treatment depends on the product’s purity, classification and current UAE tax requirements.

Muna Jewellery displays VAT-inclusive pricing where applicable. Customers may request an invoice showing the relevant transaction details.

What Should Buyers Check?

Before purchasing a gold bar, confirm:

• The exact weight
• The stated purity
• The refinery or brand
• The condition of the assay packaging
• The live AED selling price
• Any applicable premium or charges
• Pickup or delivery arrangements
• The invoice and payment terms

Buy Gold Bars at Live AED Prices

Explore certified 24K gold bars from Muna Jewellery with live AED pricing:

• Shop Gold Bars UAE
• You can also compare individual brands:
• PAMP Suisse Gold Bars
• Valcambi Suisse Gold Bars
• Auriz Minting Gold Bars
• Swiss Gold Bars
• BTC Gold Bars

For more purchasing information, read our Beginner’s Guide to Buying Gold Bars in the UAE.

Muna Jewellery is located at Ajman Gold Souk, with pickup and UAE delivery arrangements available after order confirmation.

This article is provided for general educational information and does not constitute financial, investment or tax advice. Prices and applicable requirements may change.

Buying physical gold is a popular way to preserve wealth, diversify savings and own a tangible asset. The UAE is one of the world’s leading gold markets, offering buyers access to internationally recognized refineries, competitive pricing and a wide choice of gold-bar weights.

Before purchasing, it is important to understand purity, certification, pricing and the differences between available brands. This guide explains what to check when buying a gold bar in the UAE.

Choose 999.9 Fine Gold

Investment gold bars are generally produced using 999.9 fine gold, commonly described as 24-karat gold.

The 999.9 marking means the bar contains 99.99% pure gold. This purity should be clearly displayed on the bar and its certificate or assay card.

Before buying, confirm:

• The stated purity
• The exact weight
• The refinery or mint
• The product packaging
• The certificate or assay information
• The seller’s invoice and contact details

Select the Right Gold-Bar Weight

Gold bars are available in several weights. The best choice depends on your budget, purpose and future plans.

2.5g and 5g Gold Bars

Smaller bars offer an accessible starting point for first-time buyers. They are also popular as gifts for birthdays, weddings, newborn celebrations and other special occasions.

Because manufacturing and packaging costs are spread across a smaller amount of gold, smaller bars may carry a higher premium per gram.

10g and 20g Gold Bars

These weights offer a practical balance between affordability and value. They are popular among buyers who want to build a physical-gold portfolio gradually.

A 10g or 20g bar remains compact, easy to store and more flexible than one large bar if the owner later decides to sell part of their holding.

31.1g or One Troy Ounce

A one-ounce gold bar weighs approximately 31.1 grams. It is an internationally recognized investment size and is widely used for comparing gold prices across global markets.

50g and 100g Gold Bars

Larger bars normally have a lower premium per gram than smaller bars. They may suit buyers making a larger purchase who do not require the flexibility of several smaller pieces.

Browse gold bars by weight and compare current prices before deciding which option best suits your requirements.

Compare Recognized Gold-Bar Brands

The UAE market includes gold bars from several established international and regional producers.

PAMP Suisse

PAMP Suisse is one of the most internationally recognized precious-metal brands. Its minted gold bars are known for detailed designs, secure assay packaging and broad recognition among bullion dealers.

Shop PAMP Suisse gold bars

Valcambi Suisse

Valcambi Suisse produces investment-grade gold bars in popular weights. Its products are recognized for Swiss refining standards, simple designs and certified packaging.

Shop Valcambi Suisse gold bars

Swiss Gold

Swiss Gold bars provide buyers with another range of certified 999.9 fine-gold products across several practical weights.

Shop Swiss Gold bars

Auriz Minting

Auriz Minting offers 24K gold bars in several weights for customers seeking certified bullion products in the UAE.

Shop Auriz Minting gold bars

BTC Gold

BTC Gold bars are available in weights ranging from smaller entry-level bars to larger investment sizes.

Shop BTC gold bars

Understand the Gold-Bar Price

A gold bar’s retail price is not based only on its weight. The final price can include:

• The international gold rate
• The bar’s weight and purity
• Refinery or supplier premium
• Minting and assay packaging
• Seller handling and operating costs
• Applicable taxes or charges

Gold prices move throughout the trading day. A live price displayed online can therefore change before an order is completed or confirmed.

Muna Jewellery displays live AED pricing on eligible bullion product pages so customers can review the latest available price before placing an order.

Understand the Premium

The premium is the amount charged above the underlying value of the gold contained in the bar.

Premiums can differ according to:

• Brand
• Weight
• Product availability
• Packaging
• Manufacturing costs
• Market demand

Smaller minted bars often have a higher premium per gram, while larger bars may provide a lower premium per gram. However, smaller bars offer greater flexibility because they can be sold individually.

Compare the complete product price rather than considering the international gold rate alone.

Check the Assay Card and Packaging

Many minted gold bars are supplied inside tamper-evident assay packaging. The packaging commonly displays the bar’s:

• Brand
• Weight
• Purity
• Assayer information
• Serial number, where applicable

Avoid opening sealed assay packaging unless necessary. Damaged or opened packaging can affect buyer confidence and may make future verification more difficult.

Packaging alone is not a substitute for purchasing from a legitimate seller. Always retain your invoice and payment records.

Request and Keep Your Invoice

An invoice provides important evidence of where and when the product was purchased.

The invoice should identify the seller and include relevant transaction information. Keep it with the gold bar’s packaging and certificate.

An invoice can be useful for:

• Personal records
• Insurance
• Ownership verification
• Future resale enquiries
• Resolving product or transaction questions

Plan for Secure Storage

Before purchasing physical gold, decide how it will be stored.

Possible storage options include:

• A secure home safe
• A bank safe-deposit box
• A specialist secure-storage provider

The appropriate option depends on the value of your holdings, accessibility requirements, insurance arrangements and personal security considerations.

Avoid publicly sharing details about where valuable gold products are stored.

Store Pickup or UAE Delivery

High-value products require careful handling and verification.

For store pickup, wait until the seller confirms that the order is ready. Bring any order reference or identification requested for collection.

For delivery, provide a complete address and ensure that the authorized recipient is available. Identification, signature, mobile verification or an OTP may be required before a high-value package is released.

Muna Jewellery offers confirmed pickup from Ajman Gold Souk and delivery arrangements for eligible orders within the UAE.

Gold Bars or Gold Coins?

Gold bars are generally preferred by buyers focused on investment value and lower premiums per gram.

Gold coins may appeal to customers seeking smaller denominations, alternative purities or gift-friendly products. Muna Jewellery offers 21K and 22K gold coins in selected weights with VAT-inclusive live pricing.

Shop gold coins in the UAE

Final Buying Checklist

Before completing your purchase, confirm:

• The gold is marked 999.9 fine where applicable
• The weight matches the product description
• The refinery or brand is clearly identified
• The assay packaging is intact
• The price and premium are understood
• Pickup or delivery arrangements are confirmed
• You will receive an invoice
• You have a secure storage plan

Buy Certified Gold Bars in the UAE

Muna Jewellery offers certified gold bars from recognized brands with live AED pricing, secure payment options, Ajman Gold Souk pickup and UAE delivery arrangements.

Explore the available brands and weights online:

• Shop certified gold bars in the UAE

This is educational content, not financial or investment advice. Gold prices can rise or fall, and customers should consider their circumstances before purchasing