Digital gold is a form of gold investment that is bought, stored, and traded online without the need to physically hold the gold. Ownership is recorded in grams through an application or official platform.

What Is Digital Gold?

Digital gold allows users to buy gold starting from small amounts through an app, while storage is handled by the service provider.

How it works:

• Users purchase gold through an app
• Gold balance is recorded in grams
• The platform provider stores physical gold as the underlying asset
• Value follows global gold prices

Why it’s widely used:

• Accessible via smartphone
• Flexible purchase amounts
• No need for personal physical storage

Can Digital Gold Be Sold?

Digital gold can generally be resold through the same platform, depending on features and service terms.

Common mechanism:

• Selling price follows market value at the time of transaction
• Proceeds are credited to the user’s account balance
• Funds can be withdrawn to a bank account based on procedures

Things to consider:

• Buy–sell price difference (spread)
• Transaction fees (if applicable)
• Service operating hours

Read: Regular Savings and Neobank NOW Savings: What's the Difference?

What Are the Drawbacks of Digital Gold?

Digital gold carries risks that should be understood before investing.

Key risks:

1. No Physical Holding

Ownership is digital, not physical gold held by the user.

2. Platform Operational Risk

Service disruptions may occur if the platform experiences technical or operational issues.

3. Price Spread

The buying price is typically higher than the selling price, which may affect short-term returns.

4. No Cash Flow

Unlike savings or deposits, gold does not generate interest or regular income.

Where Can You Invest in Digital Gold?

Digital gold is available on official platforms that partner with physical gold providers.

Tips for choosing a platform:

• Licensed and supervised by BAPPEBTI or OJK (if offered via banking partners)
• Available on marketplaces with gold features
• Offered by banks with investment services
• Transparent pricing and fees
• Provides resale features
• Has a clear reputation and operational system

Who Is Digital Gold Suitable For?

Digital gold can be part of a diversified portfolio, not the only investment instrument.

Suitable for:

• Beginners starting with small amounts
• Medium- to long-term financial goals
• Preserving asset value against inflation

Not intended for short-term decisions without planning.

Start Investing in Gold with Neo Gold

Neo Gold is a gold trading feature in the neobank app, developed in collaboration with gold providers such as Lakuemas and Treasury.

Through this feature, users can:

• Buy and sell digital gold
• Monitor their investment in one app
• Access services based on each partner’s terms and conditions

Digital gold is a flexible way to invest in gold online with easier access and management. However, it still involves risks and is not covered by deposit insurance (LPS). Understanding how it works, including costs and risks, is essential before investing.

FAQ

1. What is digital gold?
Digital gold is gold purchased and stored online in gram units without being physically held by the user.

2. What are the disadvantages of digital gold?
It does not generate interest, has a buy–sell spread, and depends on platform operations.

3. Can digital gold be sold?
Yes. It can generally be resold through the platform at market price, subject to service terms.

Note:
Features, fees, and product terms may change according to provider policies.

To learn more about available products, you can check them out through neobanks on the PlayStore or App Store. For more information and the latest updates, visit https://s.id/igneoemas or Neo Gold.

PT Bank Neo Commerce Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia (BI), and is a participant in the Indonesia Deposit Insurance Corporation (LPS).