: Watch for payment surcharges. Using credit cards or PayPal often adds a 3-4% fee that can negate any "spot" price savings. Bank transfers or ACH checks are typically the cheapest payment methods.
: Silver bars generally have lower premiums than coins because they are cheaper to manufacture. If your goal is pure investment, larger cast bars (e.g., 500g or 1kg) often offer the best price per ounce. How to Buy Silver at Spot - Global Bullion Suppliers buy silver bullion at spot
: Many major online bullion dealers offer "at-spot" starter deals for first-time buyers. These are typically limited to a specific amount, such as 5 or 10 ounces of silver rounds or bars. : Watch for payment surcharges