Frequently asked questions

Kundene våre kan kjøpe gull- og sølvprodukter enten ved å bestille i nettbutikken eller ved å besøke et av kontorene våre, hvor de ønskede produktene kan kjøpes over disk. Merk at kunde, betaler og mottaker må være en og samme person. Dette gjelder for kjøp både i nettbutikken og i kontorene.

Betale bestillinger på nettet

Tavex godtar bare bankoverføringer eller Trustly for kjøp i nettbutikken.

1.1 Faktura: Når du har foretatt en bestilling i Tavex’ nettbutikk, får du automatisk tilsendt en faktura med betalingsinformasjon til e-postadressen du oppga under betalingsprosessen. Når du foretar en bankoverføring, henvis alltid til ordrenummeret.

1.2 Trustly: Privatpersoner kan betale med Trustly inntil 65 000 NOK. Husk å velge Trustly som betalingsmetode før du skal betale. Deretter vil du få beskjed om å velge hvilken bank du bruker. Du kan velge mellom følgende banker: DnB, S’banken, Handelsbanken, Nordea, Sparebank 1, Danske Bank, Sparebanken Vest. Du bekrefter transaksjonen med Bank-ID, Bank-ID på mobil eller annen kodebrikke fra banken din. Bruker du Trustly vil pengene bli overført umiddelbart fra din bankkonto slik at du raskt får gjennomført kjøpet ditt.

2. Bestillingens gyldighet: Ettersom prisen på gull og sølv varierer med verdensprisen, må fakturaen betales innen 15 minutter etter at bestillingen er foretatt. På søndager og helligdager må bestillingen være betalt senest 08:00 neste virkedag for å være gyldig. Vi aksepterer en tidsforsinkelse for overføringer mellom ulike banker, men for å holde prisen fast inntil beløpet er klarert, må du sende oss en e-post med opplysning om at du har betalt.

3. Klarering av beløpet: Det kan ta 1–3 virkedager å klarere beløpet, avhengig av banken du bruker (klareringen skjer vanligvis umiddelbart).

4. Overføringsgrenser og avgifter: Det er ingen øvre eller nedre grense, og heller ingen gebyrer, ved bankoverføring av penger til Tavex.

Betale i kassen

Ved kjøp i kassen godtar Tavex kontanter, betalingskort og kredittkort.

1. Kontanter: Tavex aksepterer ikke kontant betaling!

2. Betalingskort/kredittkort: Vær oppmerksom på at en avgift på 5 prosent legges til den samlede verdien hvis kjøpet betales med et kredittkort eller annet kort utstedt av en utenlandsk bank. Vi godtar ikke Diners-kort eller American Express. Hvis kjøpet betales med et BankAxept-kort tar Tavex ingen avgift.

Bankkonto

Alle e-shop bestillinger skal betales til TAVEX GULL OG SØLV AS

Betaling kan gjøres til en av disse bankkontoene:

Merk at disse kontonummerene kommer med et IBAN nummer på starten kontonummeret på fakturaen. Så man trenger ikke å skrive inn NO40 eller NO64 da man skal overføre fra en Norsk bankkonto. Man trenger kun de siste 11 siffrene.

BN BANK
Kontonummer: 9235.35.18609

CULTURA BANK
Kontonummer: 1254.62.08778

1. Delivery options
When placing an order through our online shop, you can choose to have the products delivered to your local post office or to collect them in person at one of our offices in Lillestrøm.

A. Delivery by Bring: after we have received your payment, the products will be dispatched within 24 hours. Delivery time is within 1 to 3 working days. Once your order has arrived at your local post office, you will receive a notice by mail or SMS.

B. Self pick-up: you are welcome to come and collect your products at our office in Lillestrøm the same day we notify you that we have received your payment.

In both instances, you need to bring a valid ID to collect the products.

2. Insurance
The package is fully insured, and in the extremely unlikely case that the package is lost or damaged, Tavex Gull og Sølv AS will re-ship the items or refund your money. The insurance only applies whilst the products are in transit and ceases to be valid once the shipping carrier obtains the recipient’s signature.

3. Packaging
The products are encased in protective wrapping and placed in a discreet, unbranded padded package.

4. Shipment Tracking
Once the products have been packaged, the tracking number is sent to your email address. On the Bring Norge´s homepage www.bring.no, you can use their tracking tool together with the tracking number you received and follow the shipping process of your order.

5. Delay
Should a delivery delay occur or if the ordered product is out of stock, Tavex will always contact you by email to give you details about the delivery.

6. Shipping Prices

The shipping charges below are only applicable to deliveries within Norway. If you wish to have your products delivered to another country, please contact us on 23897122 or by email at tavex@tavex.no for prices and terms.

Clients at Tavex can purchase gold and silver products either by placing an order through our online shop, or by visiting one of our offices where the desired products can be purchased over the counter. Take into consideration that the client, the payer and the recipient must be the same person. This applies both to purchases in our online shop and in our offices.

Paying an Online Order

Tavex only accepts bank wire transfers for online purchases.

A. Invoice: Once you have placed an order through Tavex’s online shop, an invoice containing the payment details will be sent automatically to the email address that you provided during the checkout process.

B. The validity of the order: as the price of gold and silver varies with the world price, the invoice must be paid within 1 hour of placing the order. On Sundays and public holidays, the payment must be made no later than 10:30 am the next day for the order to remain valid. We accept a time delay for transfers between different banks; however, in order to keep your price fixed until the funds are cleared, please send us an e-mail with a notification that you have paid.

C. Clearing of the funds: The clearing of your payment may take 1-3 business days depending on who you bank with.

D. Transfer limits and fees: here is no maximum or minimum limit nor is there any fees when transferring funds to Tavex Gull og Sølv AS via bank wire transfer.

Paying Over the Counter

A. Bank draft: The bank draft must be issued in your name or directly to Tavex. We recommend that you order the bank draft in your name and we will thereafter help you to alienate it to Tavex. Please have a valid identification document with you.

B. Debit/credit card: Please note that a surcharge of 5% is added to the total value purchased if you pay with a credit card or a card issued by a non-Norwegian bank.

Bank accounts

All Web Shop orders should be paid to TAVEX GULL OG SØLV AS.

When making a bank wire transfer to Tavex, the funds should be sent to one of the following bank accounts:

BN BANK:

Account number: 9235.35.18609
IBAN: NO40 9235 3518 609
BIC/SWIFT: KBNONO22

CULTURA BANK:

Account number: 1254.62.08778
IBAN: NO64 1254 6208 778
BIC/SWIFT: CULTNOK 1

When making the bank transfer, always refer to the invoice number and if the full invoice number does not fit, omit the country code and the hyphens and write in only the numbers.

To place an online order with Tavex, just follow these six easy steps:

1. Choose your Products
Find the desired products under our product category list (Gold Coins | Silver Coins) and add them to your shopping cart by clicking the “Add to Cart” button.

2. Check your Cart
The shopping cart provides you with an overview of the total value of your order and enables you to easily add to or take away the products you have previously chosen. Once you feel ready to finalize your order, just click the “Checkout” button that is visible at the bottom right of your shopping cart window.

3. Checkout
In the checkout window, we ask you to select a delivery option (self pick-up or insured mail), and to fill in the required personal information either as a member or as a guest. Review that you have filled in all the details correctly and thereafter click the “Order” button that is visible at the bottom right of your checkout window.

4. Confirmation
Your order is now placed and an invoice containing the payment details and the instructions on how to transfer the funds is automatically sent to the email address you provided during the checkout.

5. Make Payment
Make the payment by bank wire transfer. The clearing of your funds may take 1-3 business days depending on your bank. We will always notify you by email when we have received your payment. Click here to read more about our payment options.

6. Take Delivery of your Products
Depending on the delivery option you selected during checkout, the products are delivered to you by insured mail, or will be waiting for you to personally pick them up at our office. Click here to read more about delivery.

Buy Over the Counter from Tavex
Just walk into one of our two offices in Oslo and buy over the counter. Click here to see our opening hours.

Gold and silver coins are sold without VAT. Gold and silver bars carry 25% VAT in Norway.

For products which are not currently in stock please contact us for more information on tel: +4723897122 or email: tavex@tavex.no.

Tavex is also a wholesaler of precious metals to other retailers. Every contract is tailored to the individual client. If you are a company that is interested in working as a reseller of Tavex products, please call us on +4723897122 or by email at tavex@tavex.no.

For large orders, please call us on +4723897122 or email us at tavex@tavex.no to discuss even better prices.

Tavex is part of the Tavex Group which operates in eight countries (Sweden, Denmark, Norway, Finland, Poland, Bulgaria, Estonia and Latvia). The Group is Northern Europe’s largest dealer of precious metals and thus handles vast amounts of products. In addition, we are partners with well-known companies such as Valcambi, PAMP, the Perth Mint, the Austrian Mint, China Great Wall Coins Investments, Royal Mint and Rand Refinery from whom we obtain our products. We are buying most of our products directly from the factories and not from the resellers as most of other retail companies. Therefore, we are able to offer extremely competitive prices.

Please call us on +4723897122 or by email at tavex@tavex.no for more information.

We need your first six numbers (your date of birth) to be able to confirm that the client and the receiver are the same person.

It is not possible to order on your own products with the stock status “arrival unknown” in the online shop. We recommend you call us on +4723897122 or by email at tavex@tavex.no about a possible order.

The order will automatically be cancelled if payment is not made within one hour of placing the order. If you want to cancel your order, please call us on +4723897122 or by email at tavex@tavex.no.

The client, the payer and the recipient must be the same person, whether you pay by bank transfer or debit/credit card.

No need to worry, we will see who has sent the funds and we can always contact you if we need to.

The spot is the current market-clearing price of gold or silver that is set by factors of supply and demand in the global financial markets. The spot price refers to 1 troy ounce of .999 fine gold or silver.

The bid (or buy as a layman’s term) is the price at which market participants, such as Tavex, are ready to buy gold or silver at any given time.

The ask (or sell as a layman’s term) is the price at which market participants, such as Tavex, are ready to sell gold or silver at any given time.

The spread is the difference between the ask and the bid price. For example, if the bid for a 1 ounce Gold Philharmonic is €1000 and the ask price is €1040 then the “bid-ask spread” is €40. A low bid-ask spread is often a good indicator of high liquidity. Products with high liquidity, such as the Gold Philharmonic coin, will have a lower bid-ask spread compared to other less well-known gold coins, which means that you, as an investor, will save money when trading in and out of your investment.

Every product that Tavex sells comes with a premium. A premium is added to cover the cost of the fabrication and distribution of the item. The premium is calculated by taking the price of a product minus the spot price of the metal. For example, if the current spot price of gold is €1020, and if Tavex sells a 1 ounce Gold Philharmonic for €1070 then the premium is €50.

Although the weight of gold and silver is sometimes quoted in kilograms or grams, the official weight measurement to gauge the mass of precious metals is the troy ounce. One troy ounce (oz) equals 31.1034768 grams. Note that a troy ounce is not the same as an avoirdupois ounce (more commonly known as the kitchen ounce) which equals approximately 28.34 grams.

The purity of gold and silver is measured in millesimal fineness, which denotes the purity of the metal in parts per thousand. For example, the PAMP 100 gram gold bar contains a gold fineness of 999.9, which means that the bar is 99.99% pure gold. Another example, the $20 Double Eagle with a gross weight of 33.43624 grams contains a gold fineness of 900, which denotes a gold purity of 90% or 33.43 x 0.9 = 30.092 grams of pure gold.

In addition to fineness, the traditional purity measurement of gold is the karat (K). The highest karat rating is 24 and this equals or is greater than 99.9% pure gold. Gold jewellery in Europe most often contains a gold purity of 14 and 18 karats, which equals 14/24 = 58.3% and 18/24 = 75% pure gold respectively.