Why Is My Instalment Gold Not Showing in My Balance Yet?
Instalment gold not showing in your balance is usually expected: gold bought on instalment is added to your gold balance and portfolio only when the instalment status is Completed, after the final monthly payment. While you are still paying, you can follow the plan in the Installment menu instead. To check, open the Gold asset page, tap your gold balance (vault) icon, tap Installment and open the plan to see its status and schedule.
| Symptom / Condition | Possible Cause | Solution |
|---|---|---|
| The instalment is still running | Gold is credited only when the status is Completed, after the last instalment is paid | Open the plan in Installment and check View Schedule; the gold arrives once the final payment is made |
| A monthly payment was not collected | Your Rupiah balance was too low on the 25th, so that instalment is still unpaid | Top up your Rupiah balance as soon as possible so the next debit can go through; 2 consecutive unpaid instalments cancel the plan |
| The plan was cancelled | You cancelled it, or it was cancelled automatically after 2 consecutive unpaid instalments | A cancelled plan delivers no gold; any refund goes to your Rupiah balance after the 10% penalty and the forfeited down payment |
| The status shows Completed but the gold is not in your balance | This is not expected | Contact Pluang Care with the instalment details |
If the issue persists:
Contact Pluang Care via live chat in the Pluang app, email tanya@pluang.com, or call (021) 8063 0065 (Monday to Friday, 09:00–18:00 WIB). Have your registered email or phone number and the instalment details (gold amount, tenor and the date you created it) ready.
Related questions:
Q: When will my instalment gold be added to my balance?
When the final instalment is paid and the status changes to Completed. The gold then appears in your gold balance and portfolio.
Q: Can I see the gold I am paying for before the instalment is completed?
Yes, in the Installment menu. Open the plan to see its status and schedule. It only moves into your gold balance once the status is Completed.
Q: Does a missed payment affect when I get my gold?
The gold is credited only once every instalment is paid. A missed month stays unpaid, and 2 consecutive unpaid instalments cancel the plan, so keep your Rupiah balance funded before the 25th.
Q: What happens to the gold if my instalment is cancelled?
You do not receive it. A 10% penalty applies, the down payment is forfeited, and only what remains of your payments returns to your Rupiah balance.