Jewellery gifts for her under £100 (UK, 2026): real gold, silver and Swarovski

The best jewellery gift for her under £100 is real gold earrings: Goldsmiths' 9ct gold pearl studs are our pick, and its 9ct white gold ball studs cost even less. For a necklace, a sterling silver open heart; for a bracelet, Thomas Sabo's clover; and for a name she'll know, Swarovski's Stilla studs.

Every piece here is sold new by Goldsmiths, a UK authorised retailer, at Goldsmiths' own price on the date shown. For bigger budgets, see our Christmas jewellery gifts for her.

How we chose

Goldsmiths has more than 500 pieces of jewellery for her at £100 or less. We picked the best in each kind, earrings, necklaces and bracelets, and favoured real gold and sterling silver over plated metal where the budget allows. Materials and sizes come from Goldsmiths' own details. We earn a commission if you buy through our links, which never changes the price you pay.

What it's made of: gold, silver or plated?

• 9ct gold is 37.5% gold, hallmarked 375. Goldsmiths says lower carats like 9ct are more affordable and more hard-wearing, ideal for everyday wear.
• Sterling silver is 92.5% silver, hallmarked 925.
• Plated pieces, like Swarovski's rhodium-plated jewellery, have a thin layer of metal over a base. They aren't solid silver or gold.

The best gift under £100: 9ct gold pearl studs

Pearl studs, 5 to 5.5mm, set in real 9ct yellow gold, from Goldsmiths' own collection. A classic that suits every age.

Best overallGoldsmiths 9ct Gold 5.0-5.5mm Pearl Earrings Earrings · Yellow gold · Pearl £95Price at Goldsmiths, 28 October 2026 Full detailsSee it at Goldsmiths

The best real gold earrings under £100

9ct white gold ball studs. Simple polished 3mm balls in 9ct white gold. Goldsmiths suggests pairing them with other studs for a stacked look.

Best gold studsGoldsmiths 9ct White Gold 3mm Polished Ball Stud Earrings Earrings · White gold £40 £50Sale price at Goldsmiths, 28 October 2026 Full detailsSee it at Goldsmiths

9ct gold huggie hoops. Patterned creole huggies in 9ct yellow gold, 14 by 16mm, according to Goldsmiths.

Best gold hoopsGoldsmiths 9ct Yellow Gold Patterned Creole Huggie Earrings Earrings · Yellow gold £68 £85Sale price at Goldsmiths, 28 October 2026 Full detailsSee it at Goldsmiths

Also in 9ct gold: 4mm cubic zirconia studs, and an 18 inch curb chain.

The best necklaces under £100

Goldsmiths open heart. A 15 by 13mm open heart in sterling silver, on an 18 inch (45cm) chain, according to Goldsmiths.

Best necklaceGoldsmiths Sterling Silver Open Heart Pendant Necklaces · Silver £45Price at Goldsmiths, 28 October 2026 Full detailsSee it at Goldsmiths

Also in sterling silver: a heart halo set with cubic zirconia, on a silver chain, and three interlocking circles with a chain that can be worn at 41 or 46cm.

The best bracelets under £100

Thomas Sabo clover bracelet. Sterling silver, adjustable to 16, 17.5 or 19cm with three eyelets on the chain, according to Thomas Sabo's details at Goldsmiths.

Best braceletThomas Sabo Sterling Silver 16-19cm Clover Bracelet Bracelets · Silver £65Price at Goldsmiths, 28 October 2026 Full detailsSee it at Goldsmiths

Thomas Sabo's heart bracelet is sterling silver with cubic zirconia, and adjusts from 16.5 to 19.5cm.

Browse all 47 Thomas Sabo jewellery£27 to £500 at Goldsmiths→

The best Swarovski under £100

Swarovski Stilla studs. Cubic zirconia in a double-prong setting, rhodium plated, which Swarovski calls a wear-forever staple.

Best SwarovskiSwarovski Stilla White Rhodium Plated Cubic Zirconia Stud Earrings Earrings · Gold or silver coloured · Cubic zirconia £69Price at Goldsmiths, 28 October 2026 Full detailsSee it at Goldsmiths

Swarovski's Hyperbola studs are shaped like the infinity symbol, set with clear zirconia.

Christmas delivery and returns

Goldsmiths' extended Christmas returns, which we read in October 2026, cover items bought between 1 October 2026 and 3 January 2027, if unused and in their original packaging, with proof of purchase. Always check Goldsmiths' own delivery and returns pages before you order.