What Is Pluang Gold (Emas Pluang)?
Pluang Gold (Emas Pluang) is digital gold you can buy and sell in the Pluang app from Rp10,000, with every gram backed by real, physical gold. You own gold by weight: your balance is shown in grams, and each gram corresponds to physical gold stored for you in a depository owned and insured by PT Brinks Solutions Indonesia (Brink's). The product is facilitated by PT Pluang Emas Sejahtera, a Pedagang Emas Fisik Digital licensed and supervised by Bappebti, and every transaction is recorded at Bursa Komoditi dan Derivatif Indonesia (ICDX) and guaranteed by Indonesia Clearing House (ICH). You can sell back to Rupiah at the sell price shown in the app, set up Auto Invest to buy regularly, buy on instalment, or withdraw your balance as Antam-certified physical gold from 1 gram. There is no leverage and no lock-in: what you hold is gold itself, and its value moves with the gold price.
What you can do with Pluang Gold
| Action | How it works |
|---|---|
| Buy | From Rp10,000, entered in Rupiah or in grams, at the buy price shown on the review screen |
| Sell | From Rp5,000, at the sell price; the proceeds go to your Rupiah balance in the app |
| Auto Invest | Buy gold automatically on a schedule you choose, from Rp20,000 per purchase |
| Instalment (Cicilan Emas) | Buy from 0.5 gram and pay over 3 to 36 months, with an 8% down payment |
| Physical withdrawal | Turn your balance into Antam-certified gold bars from 1 gram, delivered to your address |
Gold you own, not a price bet. Your balance is a weight of real gold held for you, segregated from Pluang's own assets. That is what separates it from Commodities on Pluang (XAUUSD), a leveraged derivative that only tracks the gold price and never gives you any gold.
What it costs. Purchases carry a 0.15% third-party fee plus 11% VAT on that fee; sales carry no third-party fee. The buy and sell price differ by the spread, which is built into both prices. A storage fee of 0.01 gram a month applies only if your account has been dormant for 6 months, and Pluang Plus members are exempt.
Related questions:
Q: Is Pluang Gold real gold?
Yes. Every gram in your Pluang Gold balance corresponds to physical gold stored for you in a depository owned by Brink's and appointed by Indonesia Clearing House (ICH) and PT ICDX Logistik Berikat (ILB). The gold is fully insured by Brink's and kept separate from Pluang's own assets. You can also take it out as physical Antam-certified bars from 1 gram, paying printing, shipping and insurance fees.
Q: How much do I need to start investing in gold on Pluang?
You can buy from Rp10,000, which is also shown as 0.01 gram. You can enter the amount in Rupiah or in grams, and the app converts it at the buy price before you confirm. There is no need to reach a full gram before you start, and you can keep adding small amounts, either one purchase at a time or automatically with Auto Invest from Rp20,000 per purchase.
Q: Can I lose money on Pluang Gold?
Yes. The value of your gold follows the gold price, which can fall as well as rise, and it is shown in Rupiah, so exchange-rate moves matter too. Right after a purchase your holding is also valued below what you paid, because you buy at the buy price and it is valued at the mid price. Your gold itself, the number of grams you own, does not shrink when the price moves.
Q: What is the difference between Pluang Gold and Commodities gold (XAUUSD)?
Pluang Gold is gold you own by the gram, with no leverage, stored for you and redeemable as physical bars. Commodities on Pluang offers XAUUSD, a leveraged derivative on the gold price: you can go long or short, but you never own any gold, and because of the leverage a small price move can mean a large loss. If you want to save in gold for the long term, Pluang Gold is the product built for that.