How Long Does It Take to Get the Money From Selling Gold?
Money from selling gold on Pluang reaches your Rupiah balance instantly, as soon as the sale is confirmed. You can sell from Rp5,000 at the sell price shown, and there is no waiting period before the Rupiah is in your balance, so you can use it straight away to buy another asset or withdraw it to your bank account. Withdrawing is a separate step with its own timing; if the app asks, first move the money from your IDR Cash balance (Dompet IDR) to your IDR Crypto Funding balance (Saldo Crypto IDR), which is free. A standard withdrawal is usually processed within 15 minutes, while one submitted between 22:00 and 05:00 WIB, during bank downtime, can take up to 1×24 hours, and a withdrawal of Rp250,000,000 or more goes through RTGS or SKN and takes 1 to 2 business days. The first withdrawal each calendar month is free; from the second, a fee of Rp4,995 (Rp4,500 plus 11% VAT) applies. Withdrawals go only to a registered bank account in your own name.
From selling gold to money in your bank
| Step | How long it takes |
|---|---|
| Gold sale to Rupiah balance | Instantly, once the sale is confirmed |
| Standard withdrawal to your bank | Usually within 15 minutes |
| Withdrawal submitted 22:00 to 05:00 WIB | Up to 1×24 hours; queued and processed in the morning |
| Withdrawal of Rp250,000,000 or more | 1 to 2 business days, through RTGS or SKN |
| Your first-ever withdrawal | 1 to 3 calendar days (one-time extra verification) |
| Bank network disruption | Up to 1×24 hours |
Withdrawal rules to know. The minimum withdrawal is Rp10,000, and you can withdraw up to Rp500,000,000 per day. Withdrawals above Rp250,000,000 can only go to accounts at BNI, BCA, BRI, Mandiri, BSI, CIMB or Danamon. Withdrawals are blocked for 24 hours after a security-sensitive account change, such as a PIN reset, a new device verification or adding a bank account.
Related questions:
Q: Why hasn't the money from my gold sale reached my bank account?
Selling gold puts the money in your Rupiah balance in the app, not in your bank account. To move it to your bank, make a withdrawal from the app. If you have already submitted a withdrawal, allow up to 1 hour for a standard one; if nothing has arrived after 24 hours, contact Pluang Care with the withdrawal reference number, amount, destination account, date and time.
Q: Is there a fee to sell gold or to withdraw the money?
Selling gold has no third-party fee and no tax deducted, and the spread between the buy and sell price is already built into the prices. Withdrawing is free for your first withdrawal each calendar month; each further withdrawal that month costs Rp4,995, which is Rp4,500 plus 11% VAT. The free withdrawal resets on the 1st of each month.
Q: Can I withdraw immediately after selling gold?
Yes, as long as your Rupiah balance is at least Rp10,000, the minimum withdrawal, and you have a registered bank account in your own name. If the money is in your IDR Cash balance (Dompet IDR), move it to your IDR Crypto Funding balance (Saldo Crypto IDR) first; the transfer is free. The name on the bank account must match your Pluang account and ID card exactly. If you changed a security setting in the last 24 hours, such as resetting your PIN, the withdrawal is blocked until 24 hours have passed.
Q: Can I cancel a withdrawal after submitting it?
No. A withdrawal cannot be cancelled once it has been submitted, so check the amount and bank account on the confirmation screen before you confirm. Pluang processes withdrawals instantly on its side; any delay after that happens at the bank or between banks. If you want to keep the money for another investment, simply leave it in your Rupiah balance instead of withdrawing.