Spot is a reference
A spot quote is a market reference for the metal, commonly stated per troy ounce. A finished product may cost more because its premium includes production, distribution and the seller's margin. Different figures do not automatically indicate a conversion error.
Break down the quote
Start with the metal value for the same weight, purity and currency. Record the making charge or product premium separately, followed by any other charges actually stated by the seller. Do not insert an assumed tax rate. Ask whether a charge is fixed, per gram or a percentage of a particular amount.
As arithmetic only, a metal reference value of 1,000 currency units and a selling quote of 1,080 have a difference of 80, or 8% of the metal value. These are illustrative numbers, not current prices or a suitable premium for every product. Avoid comparing an all-inclusive price with another that excludes charges.
Clarify who is buying
The price a dealer charges you and the price the dealer offers to buy back an item are different quotes. Their difference is the buy/sell spread. Ask which direction a label describes rather than relying on the word buy alone.
A converted global quote is not a guaranteed executable local offer. Obtain the final selling quote and the buy-back quote together, and keep the written breakdown so comparisons use matching terms.