FAQ

Investment gold is a highly liquid asset, meaning you can easily sell it at any time — both in Montenegro and abroad.

You can sell your investment gold to:

• Specialized companies and gold dealers, such as KERBER GOLD DOO, which buy certified gold bars and coins at fair market prices.
• Banks and brokerage firms that trade in precious metals.
• International markets and buyback centers, where gold can be sold based on the current global spot price.

The price you can sell your gold for depends on the current market (spot) rate and the buyback premium, which varies depending on the product’s form, weight, mint, and condition.

In practice, the buyback price is slightly lower than the selling price, as it includes melting, verification, and resale costs.

KERBER GOLD offers transparent and fair buyback prices in line with global market rates, with the possibility of same-day evaluation and payment.

We also provide free valuation and professional advice to help you determine the optimal time to sell, based on international gold market trends. 

Gold bars and coins can be stored in several ways, depending on the quantity, value, and your personal preferences regarding security and accessibility.

The most common storage options include:

1. Home Safe – suitable for smaller quantities of gold. It is recommended to use a burglary- and fire-resistant safe, discreetly placed in a location known only to you.
2. Bank Safe Deposit Box – the most secure option for storing higher-value assets. Banks and specialized institutions offer deposit boxes of various sizes, with full insurance and confidentiality.
3. Private Precious Metals Vaults – an increasingly popular choice in the region. These independent companies provide 24/7 access, complete anonymity, and professional insurance coverage for your holdings.

Regardless of the storage option you choose, it is strongly recommended that your gold remains in its original mint packaging and accompanied by authenticity certificates to preserve its full market value.

For clients who wish to learn more, KERBER GOLD offers consultation on the safest methods of storing investment gold in Montenegro and across the region, tailored to your specific needs and investment level. 

Yes. In Montenegro, there are legal restrictions on cash payments, which apply to all types of trade — including the purchase of investment gold.

According to current regulations, the maximum amount that can be paid in cash within a single transaction is €10,000.

Any amount above this limit must be processed through a bank transfer (non-cash payment).

This regulation was introduced to prevent money laundering and to ensure transparency in financial transactions. It applies to both individuals and legal entities.

KERBER GOLD fully complies with Montenegrin financial regulations, allowing clients to choose between cash payments (within the legal limit) and secure bank transfers.

For higher-value purchases, our team provides complete guidance and support throughout the payment process — ensuring confidentiality and transaction security at every step. 

Purchasing investment gold from KERBER GOLD DOO is simple and secure.

We offer several payment options in full compliance with Montenegrin regulations and international precious metals trading standards.

The following payment methods are available:

1. Bank Transfer (Wire Payment) – Once your order is confirmed, you will receive a pro forma invoice, which can be paid through your bank or online banking.
2. Cash Payment – Available for in-person collection at our office, in accordance with legal cash transaction limits.
3. Payment in Euros (EUR) – All prices are listed in euros, and conversions are made based on the official exchange rate on the day of payment.

Upon receipt of payment, delivery or personal collection is arranged as quickly as possible, ensuring full discretion and insured shipment.

KERBER GOLD does not accept cryptocurrency or other digital payment methods, in order to maintain the highest level of security and transparency in investment gold transactions. 

The most profitable choice depends on your investment goals and strategy.

In practice, gold bars (bullion) are the most cost-effective form of investment gold per gram, while gold ducats and coins are more popular among buyers who also appreciate collectible and symbolic value.

Here’s a brief comparison:

1. Gold Bars (Bullion) – Gold bars generally have a lower premium over the global market (spot) price, making them ideal for larger investments. They are easy to store, and their value is transparent and directly linked to the world gold price.
2. Gold Ducats and Coins – In addition to their investment value, these products also carry collectible and historical significance. They are often purchased as gifts and are easier to resell in smaller denominations, as they are widely recognized worldwide.

For long-term investors looking to maximize return and value, larger gold bars (50g and above) are the most profitable option. 

For those seeking flexibility and liquidity, gold coins and smaller ducats offer a more practical alternative.

The KERBER GOLD team is always available to provide personalized advice and help you choose the optimal product according to your budget and investment objectives. 

KERBER GOLD offers a selection of certified gold bars and ducats made of investment-grade gold with a purity of 999.9‰ (24 carats).

All products come from renowned European and international mints that hold the LBMA (London Bullion Market Association) certification, ensuring the authenticity and quality of every piece.

Our range includes:

1. Gold Bars (Bullion) – Available in weights of 1g, 2g, 5g, 10g, 20g, 50g, 100g, 250g, 500g, and 1kg, produced by world-famous mints such as Argor-Heraeus, Valcambi, and PAMP Suisse.
2. Gold Ducats and Coins – Investment coins including the Austrian Philharmonic, Krugerrand (South Africa), Britannia (United Kingdom), Maple Leaf (Canada), and other globally recognized issues.

Each gold bar and coin comes in its original mint packaging, complete with a certificate of authenticity and a unique serial number.

KERBER GOLD clients can choose between personal collection at our office or discreet insured delivery, with full expert support and consultation in selecting the optimal form of investment gold. 

Over the past decade, the price of gold has shown steady growth and remarkable resilience to global economic fluctuations.

Although short-term price movements are influenced by market dynamics, gold has consistently retained and increased its value in the long run.

On the global markets, the price of gold in 2015 averaged around USD 1,100 per ounce, while today it exceeds USD 2,300 per ounce — representing an increase of over 100% in ten years.

This upward trend clearly demonstrates that gold remains one of the most reliable forms of capital protection, especially during periods of high inflation, geopolitical instability, and financial market volatility.

Investing in gold through KERBER GOLD allows you to own a tangible asset with proven long-term value and stability, independent of currency fluctuations and market uncertainty. 

Investing in gold in Montenegro has become one of the most reliable and secure ways to preserve capital value.

Gold has always been a symbol of stability and long-term security, maintaining its worth regardless of inflation, economic crises, or financial market fluctuations.

Investing in investment gold offers several key advantages:

1. Protection Against Inflation – Gold preserves purchasing power over time.
2. Liquidity and Global Recognition – Gold can easily be sold or exchanged anywhere in the world.
3. VAT Exemption – In Montenegro, investment gold is exempt from value-added tax, which further enhances its investment appeal.
4. Tangible Asset – Unlike digital investments, gold is physical and real, allowing you to store it securely wherever you choose.

Through KERBER GOLD, investors in Montenegro can legally, safely, and transparently invest in certified investment gold from renowned international mints, with expert consultation and discreet insured delivery. 

The price of investment gold is based on the current global market value of gold — known as the spot price — which is quoted in U.S. dollars per ounce (1 ounce = 31.1035 grams).

This price fluctuates in real time, depending on global economic conditions, demand and supply, currency exchange rates, and market sentiment.

In addition to the spot price, the final retail price also includes a premium — an amount that covers minting, transportation, insurance, and distribution costs.

The premium varies depending on the manufacturer, weight, and form of the product (bar or coin).

It is not possible to purchase gold at the exact spot price, as that value represents only a market benchmark and does not include the costs associated with physical production and logistics.

KERBER GOLD updates its prices daily in accordance with global market movements, allowing clients to invest under the most favorable market conditions, with a guarantee of authenticity, transparency, and fair pricing. 

Yes. Every gold bar or coin of investment-grade gold comes with a certificate of authenticity, confirming its purity of 999.9‰ (24 carats), as well as its origin and manufacturer.

The certificate is issued by a mint authorized and accredited according to international standards, such as the LBMA (London Bullion Market Association).

Each certificate contains all essential details about the gold piece, including:

• Weight
• Fineness (purity)
• Serial number
• Signature of the authorized quality controller

These details are identical to the markings engraved on the gold bar or coin itself, guaranteeing its authenticity and traceability in the global market.

KERBER GOLD exclusively offers products with official certificates from LBMA-accredited mints, providing clients with full assurance that they are investing in gold of the highest international standard. 

Investment gold is produced in specialized mints that hold international certifications confirming the quality and purity of their precious metals.

The most renowned global mints that manufacture gold bars and coins include Argor-Heraeus (Switzerland), Valcambi, PAMP Suisse, The Perth Mint (Australia), and other internationally recognized institutions.

The production process begins with melting high-purity gold (typically 999.9‰), which is then poured into molds of various weights — ranging from 1 gram to 1 kilogram and above.

Each bar subsequently undergoes strict quality control, after which it is assigned a unique serial number, the manufacturer’s hallmark, and a certificate of authenticity.

KERBER GOLD DOO offers only investment gold from reputable European and international mints, ensuring the absolute authenticity, purity, and intrinsic value of every product. 

Investment gold refers to gold in the form of bars, ingots, or coins, primarily intended as a store of value and a means of capital preservation.

Unlike jewelry, investment gold is not used for aesthetic purposes — it serves as a financial instrument that provides long-term stability and protection against economic uncertainty.

Due to its durability and global recognition, investment gold is considered one of the most reliable forms of investment, especially in times of economic instability and inflation.

All investment gold products offered by KERBER GOLD DOO are made from high-purity gold — typically 999.9‰ (24 carats) — and come with an authenticity certificate issued by accredited international mints. 

In Montenegro, the purchase of small quantities of investment gold can be carried out without disclosing the buyer’s identity, while larger transactions are subject to legal regulations on anti–money laundering and counter–terrorism financing.

KERBER GOLD DOO strictly adheres to all applicable laws while maintaining the highest level of discretion and client privacy.

Purchases can be made in person at our office or online, with full confidentiality and secure data protection guaranteed. 

Every gold bar or ingot offered by KERBER GOLD DOO comes with an authenticity certificate and a unique serial number, which is also engraved directly on the product.

You can verify authenticity by checking the serial number through the LBMA (London Bullion Market Association) mint database, or by performing a visual inspection of the mint mark and original factory packaging (blister).

Our expert team is always available to assist you with verification and authentication to ensure your gold’s originality and integrity. 

Although investment gold represents a stable and lasting store of value, it is recommended to insure it, especially when it comes to larger holdings.

Insurance companies in Montenegro offer specialized policies that cover theft, loss, or damage of gold assets.

KERBER GOLD DOO can assist you in choosing the right insurance option and connect you with trusted partners who provide reliable precious metal insurance solutions. 

Yes, the purchase of gold by a legal entity is fully permitted and legally regulated in Montenegro.

Companies can invest in investment gold as a way to protect their capital or diversify their assets.

KERBER GOLD DOO provides official invoices and complete documentation, enabling businesses to record their investments in accordance with Montenegrin financial regulations. 

In Montenegro, investment gold is exempt from VAT and not subject to capital gains tax upon sale.

This means that investors enjoy full tax advantages, making gold one of the most cost-effective and attractive forms of long-term investment.

All transactions carried out through KERBER GOLD DOO are fully compliant with current Montenegrin tax regulations, ensuring transparent and legally secure investing. 

Yes, KERBER GOLD allows customers to reserve and pre-order gold products that are temporarily out of stock.

In such cases, the price is locked at the current market (spot) rate at the time of the order, ensuring a favorable value for the investor.

Once the products arrive, the client is notified immediately and can choose between personal collection or insured delivery. 

If the certificate is lost, the authenticity of a gold bar or ingot can still be verified using its serial number and mint hallmark.
KERBER GOLD DOO assists clients in the verification process with the manufacturer and, when possible, provides proof of origin based on internal sales records.

This ensures that your investment remains traceable and recognized even without the original certificate. 

Investment gold is a highly liquid asset that can be sold at any time.
KERBER GOLD DOO offers same-day buyback at the current market price, ensuring a fast, transparent, and discreet transaction.

Payment is made immediately, either in cash or via bank transfer, in full compliance with Montenegrin financial regulations. 

Yes. Our expert consultants provide free advisory sessions for all new and existing clients.

During the consultation, you can receive professional guidance on different types of gold, optimal weights, investment strategies, and secure storage options.

The goal of our consulting service is to ensure that every investment is well-informed, safe, and tailored to your individual financial goals. 

By purchasing from KERBER GOLD DOO, you choose security, local reliability, and full legal protection.

All our products come directly from renowned LBMA-certified mints with authenticity certificates, and are delivered quickly, discreetly, and without customs fees or shipping risks.

In addition, our team is always available for support, expert advice, and appraisals — because when it comes to gold, trust has no alternative.