Your best price will probably be with a local dealer. Here in Canada you can just search for a RCM authorized dealer and you’ll usually get a reasonable price over spot. Obviously the larger the bar you buy, the less of a premium you’ll pay.

One thing to note is that the spot market correlates to what the paper certificates are trading at. The physical market can deviate quite significantly from the paper market, especially when there’s a lot of movement or when SHTF.