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Valuation guide

How gold and silver valuations work

What actually drives the value of gold and silver, and why a written, measured valuation beats a counter estimate every time.

Reviewed 6 August 2026 · GoldPaid

How are gold and silver valuations worked out?Three things set the figure: purity confirmed by XRF assay rather than assumed from the hallmark, weight on calibrated scales to 0.01g, and the precious-metal spot price on the day of assessment. Multiply those, deduct the margin, and that is the offer, with every number shown in a GoldPaid written breakdown. A counter glance or a photo estimate is a guess, not a valuation.

What decides what gold and silver are worth?

Three measured facts: the confirmed purity of the metal, its weight on calibrated scales, and the live market rate on the day of assessment. Multiply those together, take off the buyer’s margin, and that is the offer. Condition, brand and age make no difference to a scrap valuation.

  • Purity. How much pure precious metal is actually in the item, confirmed by XRF assay, not assumed from the hallmark.
  • Weight. Measured on calibrated scales to 0.01g, with mixed lots separated by carat first.
  • The live market rate. The precious-metal spot price on the day of assessment, prices move continuously, so the rate is the rate on the day.

Your offer is purity × weight × live rate, less the buyer’s margin, and at GoldPaid every figure is shown in a written breakdown. The full method is on how we value gold.

Purity is expressed as millesimal fineness, the parts of pure metal per thousand. It is the figure that turns a weight into a price, so it is worth knowing where your items sit:

MetalFinenessIndicative per gram
9ct gold375£37.34
14ct gold585£58.25
18ct gold750£74.68
22ct gold916£91.21
24ct gold999£99.48
MetalFinenessIndicative per gram
Sterling silver925£1.38
800 silver800£1.19
Fine silver999£1.49
Indicative only. Final offers depend on inspection, item weight, purity, hallmarks, stones, non-gold components, condition and the live precious-metal market. Your firm offer is set after an XRF assay confirms the purity and weight of your specific items. These are indicative rates, updated 2026-08-17.

Why is a hallmark only a starting point?

A hallmark is a maker’s declaration of intended purity. Real items differ, solder, repairs and mixed alloys change the true content, which is why GoldPaid XRF-assays every item rather than relying on the stamp. See XRF testing explained and the gold hallmark guide.

How we value what you send

Every offer is built from three measurable facts: confirmed purity, accurate weight, and the live precious-metal market rate on the day we assess your items. You see each figure in a written breakdown before you decide anything. See how we value gold and XRF testing explained for the full method.

Final offers depend on inspection, item weight, purity, hallmarks, stones, non-precious-metal components, condition and the live precious-metal market. Any prices shown elsewhere on this site are indicative; your firm offer is set only after an XRF assay confirms the purity and weight of your specific items.

Common questions

What is the difference between an estimate and a valuation?

An estimate from a photo or a counter glance is a guess. A GoldPaid valuation is built from a measured XRF assay and calibrated weighing against the live rate, shown to you in a written breakdown before you decide.

Does a higher carat always mean more money?

Per gram, yes, higher-carat gold contains more pure metal. But the total offer also depends on weight, so a heavy 9ct piece can be worth more than a tiny 22ct one. The XRF assay and weighing settle it precisely.

Request a free prepaid Royal Mail label

Tell us where to send it. The label arrives by email, usually within about 30 minutes during working hours. Requesting one commits you to nothing: you get a written offer after the XRF assay, and if you decline, your items come back to you free.

Would you rather ask a question first, or send a photo? Message us on WhatsApp . It is the fastest way to get a sense of what something is worth before you post anything.

Related pages

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