Pegadaian Gold Saving

Pegadaian Gold Savings is one of the investment products offered by PT Pegadaian in partnership with BCA, through which customers can buy and sell gold electronically/digitally at Pegadaian via myBCA.

Main Features

Features	Remarks
Gold Savings Account Opening and Initial Deposit	Minimum initial deposit of IDR10,000 Maximum initial deposit of 10 grams
Gold Purchase	Minimum gold purchase: IDR10,000 Maximum gold purchase per transaction: IDR50,000,000 Maximum gold purchase per day per CIF: 100 grams
Gold Sale	Minimum gold sale of 0.01 grams Maximum gold sale per transaction of 20 grams Maximum gold sale per day per CIF of 100 grams

Benefit

The Gold Savings feature on myBCA makes it easy for customers to invest in gold anytime, anywhere.
The Gold Savings product enables customers to invest in gold easily, securely, and reliably.
A trusted long-term investment alternative, as it is directly supervised by the Financial Services Authority (Otoritas Jasa Keuangan/OJK).

Risks

Gold Price Risk: Gold trading transactions are subject to price fluctuations. Gold prices on myBCA are updated by Pegadaian from time to time in line with global gold prices.
System and Transaction Risk: There is a possibility of transaction issues or access failures if the system usage or transactions do not comply with Pegadaian’s terms and conditions for gold transactions.
If the Customer's gold balance is insufficient to cover the annual safekeeping fee, the Gold Savings account will be deactivated and cannot be reactivated. To resume gold transactions, the Customer must open a new Gold Savings account via myBCA.

Requirement and Procedure

Gold Savings Account opening is available to individual Indonesian citizens (WNI) who hold a valid Resident Identity Card (KTP) and are myBCA users.
Data updates are mandatory.
Agreement to the applicable terms and conditions is mandatory.

Fees, Limits, and Simulation

Fees

Transaction Fees Charged in myBCA
When customers make gold transactions through myBCA, certain fees will be automatically deducted from their gold balance or applied when they perform activities related to their gold account.

Type of Fee	Amount
Annual Gold Custody Fee at Pegadaian*)	IDR 30,000*)
Gold Sale Transaction Administration Fee	IDR 2,500 per transaction

Effective as of 12 August 2026

Notes:
^*)This fee will be automatically debited or deducted from the customer’s gold balance in myBCA each year. The date of the debit will be one year after the customer registers for the Pegadaian Gold Savings through myBCA. However, this fee will not be charged in the first year of account opening as part of a promotional program.

Fees Charged for Transactions at Pegadaian Outlets
These are transaction fees charged when customers perform activities related to their gold ownership at Pegadaian outlets.

Type of Fee	Amount
Pegadaian Gold Savings Account Closure Fee	IDR 30.000*) deducted from the remaining gold balance of the customer.

Effective as of 12 August 2026

^*) This amount is subject to change at any time.

Limits

Transaction	Limitation
Transaction	Minimum	Maximum	Remarks
Initial gold purchase at the time of opening a Pegadaian Gold Savings account	IDR 10,000	10 gram of gold	Maximum gold purchase of 10 grams per customer applies only at account opening, accompanied by the first purchase.
Gold Purchase	IDR 10,000	IDR 50,000,000	per Customer per transaction.
Gold Purchase	IDR 10,000	100 gram of gold	per Customer per day.
Gold Sale	0.01 gram	20 gram of gold	per Customer per transaction.
Gold Sale	0.01 gram	100 gram of gold	per Customer per day.
Minimum balance to be maintained	0.05 gram	-	per Account.

Effective as of 12 August 2026

Simulation

To simulate a gold transaction, visit https://sahabat.pegadaian.co.id/simulasi/simulasi-tabungan-emas

Please note:

This simulation is intended solely as a tool or example of an estimated calculation and is not intended to provide any recommendations.
The gold prices displayed on the simulation page are not the most up-to-date gold prices.
There may be discrepancies between the simulation results displayed on the page and the results of transactions on myBCA.

Important Information

Additional Information

One (1) myBCA account can only open one Pegadaian Gold Savings account.
The accounts that can be used as the source account for Gold Purchase transactions and the destination account for crediting proceeds from Gold Sale transactions are Tahapan/Tahapan Gold, Tahapan Xpresi, and Tapres accounts; they cannot be joint accounts, accounts held in trust, or accounts under guardianship.
The Pegadaian Gold Savings account will automatically become inactive if the gold balance is insufficient to cover the storage fee when that fee is deducted.
An inactive Pegadaian Gold Savings account (due to the deduction of the annual storage fee) cannot be reactivated. To resume gold transactions, the customer must open a new Pegadaian Gold Savings account.
Customers can only perform gold transactions namely, opening a Pegadaian Gold Savings Account, purchasing gold, and selling gold through myBCA. Customers cannot perform gold transfer transactions.

Summary of Product and Service General Information (RIPLAY)

Terms and Conditions