Gold price and Mastercard loading
I have a personal account. I just made a 3000 USD gold purchase (Toronto Vault) in order to load my mastercard (EURO). It is weekend and the gold price on the Goldmoney homepage is showing 38.78.
I could notice that the gold price for the purchase transaction was 39.12 USD, it only appeared after the transaction was completed, so total was 76.688 GAU. Just after load all 76.688 GAU in my Mastercard I got the transaction details showing that they paid 38.44 USD per GAU.
So the questions are:
1) Since I loaded 76.688 GAU (total) the Mastercard fee 0,05% was not debited in GAU, right?
2) Same thing happened on working days this week, I loaded all the gold available in the vault, on that occasion I couldn't keep track of the price variation because the market was open and prices were changing, so when and how does Mastercard charge it's fees?
3) The difference in gold price for buying and loading the card are huge, much bigger than 0,05%, why?