The general investment gold bars in the market are not counted as storage fees, and the general transaction cost is 10-20 yuan/gram. That is to say, if you buy investment gold bars at the price of 230 yuan/gram, plus the transaction cost, the gold price must rise to at least 240-250 to earn it, otherwise the cost will not be recovered.
Pawnshops will also lower the price, which is equivalent to indirectly increasing your purchase cost.
To buy investment gold, you might as well go to some special gold sales organizations to buy it, which is cost-effective and has a perfect pricing mechanism.
If the bank charges too much, the cost is generally around 20, so you can find out.
Or contact and talk.