JoeBlack

That's just wrong, especially with RM prices being as inflated as they are; it prompted me to check a statement for a couple of months ago, luckily no charge, plus I got the usual % cashback.

we should start a spreadsheet 🤣 and make it a sticky.
 
  @ChrisSilver  worth a sticky?

I still pay sellers via PayPal when using eBay. I stopped selling on there myself when you had to tie a bank account on and they phased PayPal out.

Infuriating, isn't it? Many CC companies treat PM transactions as being money. The couriers, including Royal Mail, treat silver and gold as being money for insurance purposes. Yet HMRC still has the nerve to charge us 20% VAT on money if it's silver. The whole thing is an illegal racket that needs shut down ASAP. Either it's money and no VAT is due or it's a product and no charges or insurance premiums are due from CCs and mail couriers. We have the worst of both worlds as UK citizens

I got hit one time trying to buy bullion coins from the Royal Mint, using a HSBC Mastercard. RM cancelled the order, but HSBC/MC didn't refund the "cash advance" charge!  

I got hit with cash advance fees by my CC provider for using PayPal F&F, I bought a couple of sovereigns on TSF. I used the CC PP FF many times before and it was fine, all of the sudden they changed the T&C and there you go... expensive lesson.

I was charged using Halifax CC through RM website, contacted them and they waved the charge. Using debit card now.
I think it's in the new terms and conditions of the CC company. Who on earth ever reads them?

This.
 
I have a Tesco card like the OP.  Confusingly RM is split, so buying something out the shop or booking the tour isnt classed as cash.  neither is buying circulating coins and sets.  but bullion is.
 
BPP, Bleyer, Britannia Coin Company arent charged as cash either by Tesco and no fees.  I think Silver Trader is the same but its over a year ago so not 100%

My biggest regret was not buying all the sovereign my local coin shop used to offer to me. He would sell them to me for £5-£10 above the price he paid, including proof coins. Sadly ill heath forced him to shut the shop. 
My advice, get to know your local coin shop, visit regularly (if you have a local coin shop) and have conversation, eventually when they start to trust you, you will see them offering you deals that you would never know. My guy would never advertise that he had gold to sell.  Buy everything that you could turn a profit and that way you bring your average price down on the coins you want to keep.
Some people ask me is it worth it making £5 to £10 profit on a coin, I say of cause it is. The way is see it, it £5 off the coin I want to keep.

I am thinking its to do with what product code is allocated to the transaction. I purchased bullion coins which may have a different transaction code from investment gold or proofs when buying form Royal Mint. It does clearly say in the Tesco Card terms that a cash withdrawal incurs the said charges. But other members on hear buy happily from Atkinsons with the Tesco card to collect points.

I bought from RM recently on a credit card (Nationwide) and am based in the UK. No additional transaction fee levied

It’s possible and I’m far from an expert. However I always thought transaction fees were more bank policy rather than govt policy. Some banks set high fees for certain transactions whilst others don’t. I know loads of others on here also order from the RM within the UK so hopefully they will chime in. 😁

It may be specific to the credit card you used more so than the dealer. I have bought several times from the Royal Mint and was not charged as a cash transaction with Chase credit cards.  

A few more of those "stupid coins that you can't even spend in the shops" 
Oh... And a nice looking box...

https://www.atsbullion.com/product/1989-proof-four-coin-sovereign-set/
If anyone's feeling flush/lucky this could work out a good deal with some possible profit in it 
£6736
Breaks down to £6736 / 8.5 sovereigns worth = £792 per sov
5 sov = £3962
2 sov = £1584
1 sov = £792
1/2 sov = £396
If you are lucky to hit 70s going the grading route, especially with the five, last few 1989 5 sov ive seen in 70 have sold £5000-£7250 at auction
Cant afford it myself currently, or would be tempted to take a punt, so thought id share the love here 

2023 Coronation Bullion Sov

Problem with words like restrike is that there are genuine gold coins that are restrikes.  eBay is full of scammer.  This person is playing with words to catch people out who don't know better.  Why not say fake sovereign in the listing main heading, because they know they would not get a bid. 

With the help of some TSF members, which I will keep anonymous in order to help protect the community when investigating potential future instances, and some admin investigation...

We have today banned a new member who was found to be abusing/manipulating the trading feedback system to create false feedback on trades that never took place on TSF.

The decision to ban was also made as we also believed that this person could have posed a potential trading risk to TSF members. TSF prides itself on having one of, if not the, most honest online marketplaces for trading precious metals. This year alone there have been over 5046 new trade topics started, with many trade topics containing huge lists of precious metals items for sale. Many thanks for those members who choose to buy and sell on TSF. 

Please do see the following topic and re-read to remind yourself on some simple tips in order to help reduce risk as much as possible when trading on TSF:
 

 
Many thanks to Premium Members who help to support and maintain TSF. For those who would like to support TSF please do consider purchasing Premium Membership as this helps greatly in maintaining and growing TSF. The larger TSF gets the more situations need to be investigated in order to help protect members as best as we can. To upgrade your account to Premium Membership to support TSF in exchange for all of the listed benefits including seeing new trade listings 3 days before standard members, please see the store here. An extra special thank to you to Platinum group Premium Members.

Agreed if ordering over 3 it works out to be the best price at the moment.

Agreed if ordering over 3 it works out to be the best price at the moment.

Yep. They have my ID and for me personally, the £11 is spread over a few Sovs so still works out very reasonable

My mistake, this one is even better
https://www.ebay.co.uk/itm/145023653029?hash=item21c41554a5:g:b9AAAOSw9T5hg7lO

I'd like it's value to increase with inflation so I may maintain my wealth stored in it

I would like to thank @Spyder for the lovely 1oz silver coin which was received promptly at the end of the competition. My first silver and I think it's a beautiful. Very generous to do a free competition and a credit to the forum.👌

No refunds is normal procedure with bullion due to price fluctuations.