Cheapest Gold Account in Malaysia
Updated: 22 Oct 2026, 6:02 PM MYT
The cheapest gold account is the one with the narrowest spread, not the lowest sticker price. Today that is UOB (Gold Investment Account (GIA)) at a 1.0% spread: buy RM540.30/g, sell back RM534.80/g. The table below ranks every account we track by spread.
| Provider | Product | You buy | You sell back | Spread |
|---|---|---|---|---|
| UOB | Gold Investment Account (GIA) · 999.9physical | RM540.30 | RM534.80 | 1.0% |
| CIMB | e-Gold Investment Account (eGIA) · 999.9 | RM539.90(cheapest to buy) | RM530.50 | 1.7% |
| Bank Islam | Gold Account-i (BIGA-i) · 999.9Islamicphysical | RM562.13 | RM541.63(best buyback) | 3.6% |
| Maybank | Gold Investment Account (GIA) · 999.9 | RM547.62 | RM526.63 | 3.8% |
| Public Bank | Gold Investment Account · 999.9 | RM549.15 | RM528.10 | 3.8% |
| BSN | MyGold Account-i · 999.9Islamicphysical | RM570.94 | RM540.57 | 5.3% |
| RHB | MCA Precious Metals (Gold) · 999.9 | RM551.74 | RM522.29 | 5.3% |
| Maybank | Islamic Gold Account-i (MIGA-i) · 999.9Islamicphysical | RM565.38 | RM534.26 | 5.5% |
| Public Gold | eGold (GAP 24K) · 999.9physical | RM582.00 | RM537.55 | 7.6% |
Which gold account has the lowest spread in Malaysia?
As of 22 Oct 2026, 6:02 PM MYT, UOB (Gold Investment Account (GIA)) at 1.0%. Rankings change daily with prices; the table above is live.
What should I compare before opening a gold account?
Four things: the spread (your real cost), whether you can redeem physical gold, whether it is Shariah-compliant if that matters to you, and the minimum purchase. Price alone is misleading because every account tracks the same international gold price.
More gold pages
Prices are indicative, per gram, and move with the international gold price during the day. Confirm the live rate with the provider before you transact. Not financial advice.