Gold and silver coins issued by various states serve both to preserve and increase one’s own funds, and to start or replenish a numismatic collection. How to buy coins made of precious metals at Sberbank: find out the availability and cost, how you can save on your purchase, as well as the difference between investment and collectible items, we will look further in the article.
Coins made of precious metals in Sberbank of Russia - what is it?
Sberbank began selling precious coins in 1996. After the introduction of a 20% tax on the purchase of such products, the demand for them fell to a minimum. Russians have stopped considering this method of investing. And only in 2001, after the tax was cancelled, interest in “gold rubles” returned again.
Each coin has its own technical characteristics:
- type of metal;
- mass;
- sample;
- denomination, etc.
Products made from precious metals from Sberbank can act as:
- gift;
- souvenir;
- investments;
- collection exhibit.
Main types of coins
Sberbank coins are made from the following materials:
- gold;
- silver;
- palladium.
Such “rubles” are classified depending on the quality of mintage:
- proof - a line of commemorative coins, the issue of which is dedicated to historical dates;
- uncirculated - gold chervonets (denomination - 0.01, weight - 7.74 grams).
There are 4 types of precious coins:
- memorable;
- investment;
- foreign;
- exclusive.
Characteristics of the golden chervonets “Sower”
To understand the great demand for these coins, you should consider them in more detail. In the central part of the main side of the chervonets there is the coat of arms of the RSFSR, which is decorated with ears of wheat. Nearby you can see a shield, against which a sickle and a hammer are crossed. Around the image there are inscriptions that were popular at the time this product was released: in the lower zone - “RSFSR” and in the upper zone - “Workers of all countries, unite.”
On the back of this coin you can see a factory and the sun, against which a peasant sows wheat. The inscription “One Chervonets” and the year of its issue are used as a frame here.
The famous mint of Leningrad and Moscow worked on the release of this copy.
Coin parameters:
- denomination - 10 rubles;
- weight - 8.603 g;
- metal - gold;
- thickness - 1.7 mm;
- sample - 900;
- production date: 1975-1982;
- diameter size - 22.6 mm.
Catalog of coins made of precious metals
Sberbank offers a wide selection of precious coins of different price categories and external characteristics. A complete list of “rubles” for sale, indicating the denomination, fineness and other indicators, is posted on the bank’s Internet resource.
To find a catalog of precious coins, you need:
- Go to the main page of the Sberbank website.
- Open the “Invest and Earn” section.
- Select the “Coins and Bullions” subsection.
- Follow the link “Coins made of precious metals”.
- Select the document (located on the right) “Availability of coins made of precious metals.” Downloading occurs automatically.
Coins and bars
Precious metal coins
Document “Availability of coins made of precious metals”
Commemorative and investment coins
Investment coins are issued in large quantities and have no numismatic value. The best-selling among them are “George the Victorious” and “Golden Chervonets”.
Features of investment coins:
- coinage quality uncirculated;
- simple reverse design;
- the price depends on the value of gold;
- no VAT is charged on sales (except for coins issued abroad);
- sold individually.
Commemorative coins are produced in small editions (10-15 thousand units), they are of interest to numismatists. Mostly silver collectible “rubles” are produced, but there are also gold ones (the “Golden Ring” series).
Features of commemorative coins:
- the highest quality of coinage is proof;
- have a specific theme;
- VAT is charged upon sale;
- elegant reverse design;
- the price is determined by the demand for the specimen and its artistic value.
The video will talk about gold investment coins. Posted on the clik-bux channel.
How much are
The price for each gold coin is determined individually. It is affected by the following points:
- subject;
- presence of history;
- weight;
- circulation;
- complexity of coinage.
The simplest products are sold for only 7-10 thousand, and exclusive ones go for 2,900,000 rubles.
For example, a very rare gold coin called “River Beaver”. It was released in quantities of only 12,000 pieces. They are now asking at least 55,000 rubles for it. The Russian Ballet costs the same, although its circulation is only 6,000 rubles.
Coins with astrological themes are inexpensively priced - they are produced every year and in considerable quantities, and therefore are sold for 6-7 thousand rubles.
Finally, the bank offers exclusive options. Their circulation never reaches even a hundred copies, but their weight is impressive - almost half a kilogram. How much does such a product cost? Minimum 2,900,000 rubles.
Cost of precious metal coins in 2021
The coins offered by Sberbank have different values. The price depends on the characteristics of the specimen and its type.
The table shows the cost of the most popular coins:
| Name | Material | Price |
| Chervonets | Gold | 28960 |
| Ball-98 | Silver | 1490 |
| Coat of arms-97 | Silver | 1990 |
| Airborne Forces Emblem-06 | Silver | 4990 |
| Ballet-93 | Palladium | 14990 |
| Taurus-03 | Gold | 10490 |
| Talisman Bear-12 | Silver | 2250 |
| Win 70-15 | Silver | 44990 |
| Hockey-14 | Gold | 24830 |
A complete list of prices for “rubles” can be found according to the following diagram:
- Go to the Sberbank website.
- Open the “Invest and Earn” section.
- Select the “Coins and Bullions” subsection.
- Follow the link “Coins made of precious metals”.
- Open the document “Quotations established by Sberbank of Russia”.
Home page of the Sberbank website
Document “Quotations established by Sberbank of Russia”
Gold coins of the Zodiac Signs series
Although gold coins from the Zodiac Signs series have an investment status, a huge number of people purchase them for collection, as well as as valuable talismans.
Although gold coins from the Zodiac Signs series have an investment status, a huge number of people purchase them for collection, as well as as valuable talismans. Since the release of this series of coins, it has been noticed that such specimens arouse great interest among buyers. Therefore, coins are sold out within a very short time after they are put on display.
Gold coins “Zodiac Signs” with a face value of 25 rubles and their silver counterparts were first issued in Russia in 2002 with a total circulation of 10,000 pieces. Over the next few years, their minting was resumed. So in 2003-2004, gold coins “Zodiac Signs” were issued in denominations of 50 rubles, and in 2005 they returned to 25-ruble copies.
Pure 999 gold was used to mint the coins. The weight of each 25-ruble coin is 7.89 g. Only 12 gold coins were issued in the “Zodiac Signs” series, each of which represents one of the celestial symbols.
On the obverse of the coins, according to tradition, the coat of arms of Russia is minted in the form of a two-headed eagle, on the reverse - an image of one of the 12 signs of the zodiac. As an investment copy, the “Zodiac Signs” coins do not have any numesmatic value, but have the status of a means of payment on the territory of the Russian Federation.
They are required to be accepted when making all types of payments, without exceptions or restrictions. That is, since gold coins have a nominal value of 25 and 50 rubles, then goods with them can be purchased for an amount not exceeding this amount. However, the coin itself, of course, costs several tens of times more.
A gold coin with a face value of 50 rubles can be bought at Sberbank of Russia for 13,500 rubles. Sell - for about 11,500 rubles. The value increases as the coin ages. Therefore, it is recommended to store documents indicating the exact date of its acquisition.
Not only Sberbank of Russia turned to the theme of the 12 zodiac signs. Similar collectible gold coins were minted in different years in Armenia, the republics of Malawi and Rwanda. Examples of similar themes are today highly sought after by coin collectors around the world. The absence of an 18% tax levy (VAT) levied on the purchase of goods makes these coins an excellent investment for private capital.
The value added tax does not apply only to the Zodiac Signs coins issued by the Central Bank. The price of foreign similar coins (they can also often be found on display in Sberbank branches) already includes 18% VAT.
The approximate cost of gold coins of the “Zodiac Signs” series with a face value of 50 rubles is 30,000 rubles per coin.
The approximate cost of gold coins of the “Zodiac Signs” series with a face value of 25 rubles is 18,000 rubles per coin.
Gold coins of the series “150th anniversary of the Bank of Russia”
Gold coins of the “Space” series
How to buy coins?
You can buy “gold rubles” in any region of the Russian Federation. The bank offers more than a thousand copies for sale, and the range is constantly updated with new types.
To purchase a coin, you must contact a special banking department (you cannot buy copies online). A complete list of departments that sell precious “rubles” is posted on the official website of Sberbank. Sales consultants will provide comprehensive and up-to-date catalogs and answer all your questions. You must have your passport with you.
The country's leading bank not only sells, but also purchases precious coins and metals.
What affects the price
To find out approximately how much a particular gold coin is worth, you need to look at it. On each specimen, not only the total mass of the product is stamped, but also the volume of chemically pure precious metal.
All valuable items are packaged in special cases that protect them from scratches, abrasion and other physical impact. It is not recommended to open them, because the surface is polished in a special way, and it is very easy to damage it. Moreover, even if you can avoid defects, the very fact of the absence of a cover greatly reduces the cost of your copy.
It is difficult to say exactly how much they will give you. In general, there are two levels of preservation for gold coins:
- The condition is considered satisfactory if the product has minor scratches;
- good - the presence of a pristine appearance.
Also, the cost of gold itself on the world market can fluctuate significantly. According to statistics, it becomes more expensive most of all during difficult historical periods, during wars, economic crises, etc.
Stability encourages investors to pay attention to other assets:
- securities;
- raw materials;
- objects of art.
All this reduces the demand for the precious metal, and it, accordingly, becomes cheaper.
Photo gallery
The photo shows precious coins of various series.
"Ballet"
"Uglich"
"Twins"
"Victory"
Video
The video talks about which coins are profitable to buy and why. Filmed by the Planet of Money channel.
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Is it worth purchasing
A gold coin has one undoubted and great advantage - stable value. Liquidity is also high, that is, selling it if necessary will not be difficult.
However, there are a number of points to consider. First of all, it makes sense to invest in gold only if we are talking about a long period of time - a decade or more. In this situation, you (or your heirs) are likely to receive tangible benefits.
It is also worth understanding that selling coins purchased less than 3 years ago entails additional costs. Its owner will have to pay personal income tax on the proceeds.
In general, economists recommend storing no more than 10 percent of your own savings in precious metals.
