Fast Bank, VTB, Ardshinbank and gold price: why bank numbers differ

What to use as the baseline

The official XAU value is the best starting point because it gives you a reference level for pure gold.

Once you have that base, you can judge how far a bank quote moves away from it and whether the gap looks small or meaningful.

Why Fast Bank, VTB or Ardshinbank may show different prices

Each bank can apply its own spread, rounding rules, valuation method, operational costs and policy for a given hallmark or product type.

That means two banks can post different figures on the same day even if both are ultimately anchored to the same market reality.

What you should compare

• The same date
• The same hallmark or purity level
• Buy, sell or valuation mode, because those are different scenarios
• Price per gram, not just the full ticket amount

How this site helps with bank comparison

This site gives you the official pure-gold reference and derived hallmark values so you can understand the market level first.

That makes bank quotes easier to read: you can see whether a number is close to the reference or noticeably marked up or discounted.