What Are the Requirements to Withdraw Physical Gold via eMAS DANA?
To withdraw physical gold via eMAS DANA, you need a verified eMAS DANA account and a delivery address that matches your verified KTP, or a domicile or office address backed by a supporting document. The channel is for existing users only: the Pluang–DANA gold collaboration has been closed to new users since 26 June 2026. A printing fee, which depends on the grams you print, is deducted from your eMAS DANA balance, and the shipping cost, which depends on the delivery location, is deducted from your DANA wallet balance. The gold ships from Jakarta to anywhere in Indonesia, and processing takes a maximum of 7 working days, not including shipping. A request cannot be cancelled or changed once submitted. Deliveries are insured through Pluang's courier partner, SAP Express, and a claim for loss, damage or a delivery error can be submitted up to 14 working days after ordering.
Existing users only. The Pluang–DANA gold collaboration closed to new users on 26 June 2026 and continues only for users who already hold gold on DANA through Pluang. New users who buy gold on DANA are served by DANA's current gold partner, Treasury, and follow DANA's own process. eMAS DANA gold is a separate balance and does not appear in the Pluang app.
eMAS DANA withdrawal terms at a glance
| Term | Detail |
|---|---|
| Account | A verified eMAS DANA account |
| Delivery address | The address on your verified KTP |
| Domicile address | Allowed with a domicile letter issued by the kelurahan where you live |
| Office address | Allowed with an employment letter from HR, or a photo of your company ID card plus a selfie holding it |
| Printing fee | Depends on the grams you print; deducted from your eMAS DANA balance |
| Shipping cost | Depends on the distance or delivery location; deducted from your DANA wallet balance |
| Processing time | A maximum of 7 working days, not including shipping, which depends on the delivery area |
| Coverage | Ships from Jakarta to all regions of Indonesia |
| Changes | A submitted request cannot be cancelled or changed |
Delivery insurance. Loss, damage and errors during delivery are covered by insurance from SAP Express, the courier partner Pluang works with. Submit a claim within 14 working days of ordering. Claims are assessed under the insurer's terms, and the insurer may reject a claim at its discretion.
The withdrawal itself happens in the DANA app (Home → eMAS → "Saatnya Cetak eMAS Fisik"), not in the Pluang app. For each step, see the article "How do I withdraw physical gold through eMAS DANA?".
Related questions:
Q: Can new DANA users withdraw physical gold through eMAS DANA?
No. The Pluang–DANA gold collaboration has been closed to new users since 26 June 2026, so the eMAS DANA withdrawal channel described here is only for existing users who already hold gold on DANA through Pluang. If you started buying gold on DANA after that date, your gold is with DANA's current gold partner, Treasury, and its withdrawal follows DANA's own process rather than these terms.
Q: Can I cancel or change an eMAS DANA physical gold withdrawal?
No. Once you submit a physical gold printing request on eMAS DANA, it can no longer be cancelled or changed. Before you confirm, check the number of grams, the fee details and the delivery address carefully in the DANA app. If the address differs from your KTP, make sure the supporting document you upload is clear and matches the address you entered, because it cannot be corrected afterwards.
Q: Can I have the gold sent to an address other than my KTP address?
Yes, but only to your domicile address or your office address. For a domicile address, attach a domicile letter issued by the kelurahan where you live. For an office address, attach an employment letter from your HR department, or a photo of your company ID card together with a selfie holding it. In the DANA app you tick "Alamat Pengiriman Berbeda dengan KTP" and upload the document.
Q: Is withdrawing through eMAS DANA the same as withdrawing in the Pluang app?
No, they are separate. eMAS DANA gold is withdrawn in the DANA app, with the printing fee taken from your eMAS DANA balance and shipping from your DANA wallet. Gold held in the Pluang app is withdrawn in the Pluang app from 1 gram: the fees are converted to grams and deducted from your gold balance, and verification takes place over a video call. See the guide "How to Withdraw Physical Gold on Pluang".