Can Public Gold store my gold in the GAP account after paying the EPP?

• No!
• EPP and GAP are two different methods of buying gold.
• Gold purchased through EPP must be claimed after payment.
• If you don't want to hold physical gold, the purchase method through GAP is more suitable for you.

Is the EPP gold price according to the world gold price?

• Yes!
• The gold price for EPP changes every 20 minutes based on the world gold price at that time.
• Because of that, when you want to book an EPP purchase, there is a "timer" shown indicating the remaining time before the gold price changes.

Is it mandatory to pay the monthly payment according to the set schedule?

• Yes!
• Purchasing through EPP is in the form of a monthly commitment.
• You must make the payment before the 'due date' or at the latest 7 days after the 'due date'.
• If no payment is made after 7 days from the 'due date', the reservation will be canceled automatically.
• If any payment has been made before that, all payments will be returned after deducting a cancellation charge of 10% of the total EPP reservation.

Can I pay more than the set monthly payment amount?

• Yes!
• For payment through FPX, the payment amount has been set based on the monthly payment amount.
• If you want to make a payment that exceeds the set monthly payment amount, you need to make the payment manually by transferring money directly to the company's bank account and uploading the payment receipt to the Public Gold website through your account

Can I cancel the EPP reservation before making all payments?

• Yes, you can! A cancellation fee of 10% (from the total order amount) will be charged.
• If any payment has been made previously, the payment will be refunded after deducting the 10% cancellation fee from your EPP booking amount.

How can I claim my gold after completing all EPP payments?

• For gold orders of 20 grams or 5 dinars below, your physical gold will be posted directly to your home via insured postage or GIT.
• For gold orders of 50 grams or 10 dinars or more, your physical gold needs to be claimed at the nearest Public Gold branch.

If I die before completing all EPP payments, will my previous payments count as ‘void’?

• No!
• In the event of the death of a gold depositor, the property administrator appointed from among the heirs can make a claim at any Public Gold branch.

Can I buy gold through EPP but for 10 months payment?

• It is possible if there is a promotion!
• EPP offered only for payment in stages for 6 months only (EPP 6x) provided that the booking amount exceeds RM1000 in 1 receipt.
• For 10-month EPP (EPP 10x), only allowed when Public Gold conducts certain promotions during the specified time period.
• Without promotion, only 6x EPP is allowed.

Is it necessary to pay zakat for gold bought through EPP but not yet paid in full?

• No!
• As long as the EPP has not been paid in full, the sale and purchase contract has not been executed and the gold in question has not been completely owned.
• Zakat only has to be paid after complete ownership.

If I haven't paid the EPP in full, can I sell the gold to Public Gold at the current price?

• No!
• As long as all payments have not been cleared, the sale and purchase contract has not taken place. So the gold is not yet yours to sell.