Home — English
Save in gold for your future.
Start from just RM100.
For your dreams and the people you love. Take the first step with Dr. Rosmina.
Save in gold for your future.
Start from just RM100.
For your dreams and the people you love. Take the first step with Dr. Rosmina.
ACADEMIC · PUBLIC GOLD PRIORITY DEALER
Meet Dr. Rosmina.
Associate Professor Dr. Rosmina Binti Jaafar is an academic at the Faculty of Engineering and Built Environment, Universiti Kebangsaan Malaysia (UKM), specialising in biomedical engineering and biomedical signal processing.
As a Public Gold Business Owner / Dealer, she guides savers in Malaysia and Indonesia in building gold savings for retirement, Hajj, Umrah and future goals.
Get free guidance, from opening your account to understanding your first gold purchase.
PG00263151 · Club 100 2025/26
Academic background & recognition
She has presented on fintech and preparing for today’s economy at Universitas Andalas. Her name also appears in Public Gold’s Achievers list for April 2026.
Gold savings that fit your budget.
Account registration
Open your Public Gold GAP account online.
To get started
Start small. You do not need thousands of ringgit.
No mandatory monthly purchases
Choose when and how much to buy.
- 24K / 999.9 · GAP purity
- 100% online management
- Shariah panel oversight
- Physical gold redemption
Pantau harga emas sebelum anda membuat keputusan.
Harga spot di bawah dimuatkan secara live dalam MYR. Untuk transaksi Public Gold, semak harga rasmi semasa kerana harga GAP dan produk fizikal mempunyai struktur harga tersendiri.
LIVE MARKET · MYR
Harga spot ialah rujukan pasaran dan boleh berbeza daripada harga transaksi Public Gold. Harga rasmi berubah mengikut sistem Public Gold; sila sahkan sebelum transaksi.
Check gold prices before making your decision.
Refer to the gold and silver prices published by Public Gold. This display is checked every 20 minutes, with GAP, SAP and physical product prices shown in their respective categories.
PUBLIC GOLD PRICES · MYR
GAP 24K / 999.9
—
Loading prices…
SAP Silver 999
—
Silver savings price per 100 grams
PG Sell: the price you pay to buy. PG Buy: the price Public Gold pays to buy back. Product prices exclude Gold Premium.
Source: Public GoldWhy many people choose gold for long-term savings.
The aim is not to chase daily price movements. Gold is better viewed as a long-term savings asset that helps diversify your savings.
A tangible physical asset
Gold has a physical form, does not decay and is recognised globally as a precious metal.
Savings in grams, not just ringgit
In GAP, your balance is shown in grams of gold. Price changes do not change the number of grams you already own.
Suitable for a longer time horizon
More practical for goals several years away than for money you need in the near future.
Gold can be sold at the current buyback price. ASB redemption is subject to its available channels and limits; selling shares requires a buyer in the market; property sales involve a transfer of ownership. Each option has different costs and risks.
References: Public Gold · ASNB
Six benefits that make it easier to stay consistent.
Focus on convenient saving, access to physical gold and flexibility when you need cash.
Start small
Purchases can start from as little as RM100, making it easier to build a habit than waiting until you have a large sum.
No mandatory monthly purchases
You decide when and how much to buy based on your cash flow.
Save without monthly storage fees
GAP gold can be held in the system without monthly storage fees.
Can be sold
When needed, gold in your account can be sold through the system at the prevailing price.
Redeem for physical gold
Once your balance is sufficient, you can choose to redeem physical gold from the available products.
Build saving discipline
Setting aside part of their savings in grams of gold helps some savers reduce unplanned spending.
Why Public Gold.
Public Gold has operated since 2008 and provides an ecosystem for buying, saving, redeeming, delivering and selling back gold.
Shariah-compliant
Gold transactions and GAP accounts fall within the scope of Shariah compliance stated by Public Gold.
Manage online
GAP gold can be purchased and managed through the Public Gold system using payment facilities such as FPX.
Gold can be delivered
The Gold In Transit service allows eligible items to be delivered directly to customers with delivery protection.
Physical branches
Public Gold has branches in Peninsular Malaysia, Sabah and Sarawak, as well as an international network that includes Indonesia and Singapore. Find branch locations · International network.
Not sure how to start? Start with GAP. Affordable. Budget-friendly.
You do not need to buy a large gold bar on day one. Choose a method that suits your budget and how you want to save.
Physical outright purchase
- Suitable if you have a larger budget
- Full payment in one go
- Keep the physical gold yourself
Gold Accumulation Program (GAP)
- Start from as little as RM100
- No monthly storage fees or charges
- Sell or redeem for physical gold
Shariah EPP
- Suitable for larger purchases
- Payment in instalments
- Receive your gold once payment is complete
Enter your budget to estimate the grams of gold using the current official Public Gold GAP price.
Waiting for the current GAP price…
Easy gold transactions, from purchase to delivery.
Online payment
FPX payments make purchasing easier through supported banks and are integrated with the Public Gold system.
Gold In Transit
Purchased or physically minted gold can be delivered directly to your address using an insured delivery service, limited to a total weight of 21.5g per GIT transaction.
Gold Premium
Redeeming or withdrawing physical gold incurs a Gold Premium charge, which covers minting costs and varies according to the gold’s design and weight.
Four steps to start saving through GAP.
Dr. Rosmina can guide you after registration so your first steps are clearer.
Register for a free account
Complete the Public Gold form with accurate information matching your identification document.
Download the Public Gold app
Use the official app to manage your account and make purchases more easily.
Log in and verify
Follow the system instructions to verify your account and log in for the first time.
Make your first purchase
With GAP, you can start from as little as RM100. Choose an amount you can comfortably afford.
Emas bukan jalan sehala.
Public Gold menyediakan kemudahan jual balik untuk emas dan produk tertentu. Harga berubah mengikut pasaran semasa.
| PRODUK | RUJUKAN JUAL BALIK |
|---|---|
| 5 Gram | RM2,827 |
| 10 Gram | RM5,655 |
| 20 Gram | RM11,387 |
| 50 Gram | RM28,489 |
| 100 Gram | RM57,018 |
| 1 Dinar | RM2,399 |
| 5 Dinar | RM12,126 |
| 10 Dinar | RM24,385 |
Easily turn your gold into cash with Public Gold.
Public Gold offers buyback facilities for gold and selected products. Prices change with current market conditions.
| PRODUCT | PG BUY (RM) |
|---|---|
| Loading Public Gold prices… | |
Different sizes for different goals.
From small bars to large gold bars. GAP savers can also choose physical redemption once their balance is sufficient.
Small Bars
0.5g & 1g · pictured: 0.5g
Dinar Series
1, 5 & 10 dinar · pictured: 1 dinar
Gold Bars
5g, 10g, 20g, 50g & 100g · pictured: 5g
Large Gold Bars
250g & 1000g · pictured: 250g
Experiences of Dr. Rosmina’s customers.
Customer testimonials will be added after approval.
Customer testimonials will be added after approval.
Customer testimonials will be added after approval.
Why People Like Saving in Gold
GAP allows purchases from as little as RM100. The number of grams is calculated using the current Public Gold GAP price.
Gold is offered in various weights. GAP savers can choose physical redemption, subject to their balance, available products and applicable charges.
Public Gold publishes PG Sell and PG Buy prices for gold bars. Check both before buying or selling.
Frequently asked questions.
Brief answers to the questions most often asked by new savers.
The Gold Accumulation Program (GAP) is a Public Gold savings account that records your balance in grams of 999.9 gold. You can buy gradually online.
Your first GAP purchase can start from as little as RM100. The number of grams you receive depends on the GAP price at the time of purchase.
No. There is no requirement to buy every month. You can purchase according to your budget and plans.
Public Gold states that gold held in GAP is not subject to monthly storage fees.
Yes, subject to a sufficient gram balance, available products and the applicable Gold Premium charges.
Gold in your account can be sold through the system according to the prevailing terms and prices.
Public Gold states that the GAP account falls within the scope of Shariah compliance monitored by Amanie Advisors Sdn Bhd.
Yes. A Junior account registration process is available for savers under 18, using a parent’s or guardian’s details.
Ready for your first gold purchase?
Choose a comfortable budget, check current prices and get guidance from Dr. Rosmina to start your gold savings.
Set your budget
Start a GAP account with a purchase from as little as RM100, according to your budget.
Check current prices
Check Public Gold’s GAP or physical product prices before making a purchase.
Buy with guidance
Dr. Rosmina can help you understand registration, purchasing and physical gold redemption options.
Dr. Rosmina Binti Jaafar
Public Gold Priority Dealer · PG00263151Call / WhatsApp: 019-399 4158
This website is a personal initiative by Dr. Rosmina Binti Jaafar as a Public Gold dealer and is not the official website of Public Gold International Berhad. Prices and terms may change without notice. Confirm the latest information before making a transaction.
Start saving in gold today from as little as RM100.
Registering does not mean you have to buy every month. When you are ready, start from as little as RM100 and ask Dr. Rosmina to help with your first purchase.
Ages 18 and above · For a Junior account, use the dedicated registration link in the “Four steps” section.