Tring! folds every Pegadaian product into one app: pawn from home, gold savings, gold bar installments, sharia services, and daily bills. That range is the pitch, but it also means the gold-savings side sits next to a pawn ledger you may not need, and the app leans on physical outlets for pickup, cash-out, and printed gold. If any of that pushes you to look wider, here are seven Tring! by Pegadaian alternatives worth trying on Android.
Why people leave Tring!
- Gold-first investors want a cleaner surface. Tring! prices pawn and cicil emas alongside a gold savings tab, which is more app than a plain gold buyer needs.
- Pegadaian sets its gold buy and sell prices with a visible spread. Comparison shoppers often see a tighter spread on dedicated gold or multi-asset platforms.
- The 0.75 percent per fifteen days lease on gold-savings pawn is not the cheapest cost of funds if you only need short-term liquidity.
- Some services still route through a physical outlet for the last mile: printed gold bar pickup, cash withdrawal at the branch, and a few sharia flows.
- Tring! covers gold, not the wider portfolio. Reksadana, SBN, US stocks, and crypto sit in other apps.
Which app should you choose?
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Pluang if you want gold plus stocks, crypto, and options in one app. Broadest multi-asset coverage of any name on this list.
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Treasury if you want a pure digital-gold app with fast redeem. Antam and UBS 24k with strong physical redemption workflows.
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Tamasia if sharia compliance is non-negotiable. Antam Logam Mulia stamps under a sharia bank umbrella.
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Bareksa if you want reksadana and SBN alongside gold. Older marketplace with the deepest fund catalog.
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IndoGold if you buy physical bars often. Dedicated gold buyer with tight bar-delivery flows.
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Bibit if you prefer a robo-advisor for reksadana. Auto-invest and portfolio rebalancing built in.
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Nanovest if you want the lowest entry ticket for gold, US stocks, and crypto. Buy in from Rp5,000.
Stay on Tring! if you actively pawn assets or need cicil emas with Pegadaian-outlet pickup. Pegadaian’s state-owned pawn network and its bullion license are still the anchor for those specific flows.
Comparison table
| App | Best for | Free plan | Minimum buy | Standout feature |
|---|---|---|---|---|
| Pluang | Multi-asset investors | Yes, free app | Rp10,000 | Stocks, crypto, gold, options in one app |
| Treasury | Pure gold savers | Yes, free app | Small opening ticket | Fast bar redemption, Antam and UBS |
| Tamasia | Sharia gold | Yes, free app | Rp10,000 | Antam stamps under sharia bank |
| Bareksa | Reksadana plus gold | Yes, free app | Rp10,000 | Widest reksadana and SBN catalog |
| IndoGold | Physical gold bar buyers | Yes, free app | Small denominations | Bar delivery under OJK license |
| Bibit | Robo-advised reksadana | Yes, free app | Rp10,000 | Auto-invest and rebalancing |
| Nanovest | Low-ticket multi-asset | Yes, free app | Rp5,000 | US stocks, crypto, gold under one KYC |
1. Pluang -- best multi-asset alternative
Pluang is the closest thing Indonesia has to a full-stack retail investing app. Precious metals (Antam gold and silver), Indonesian stocks (IDX), US stocks, crypto, crypto futures, and options all live under one login. Gold buys start at Rp10,000 with 0 percent transaction fees on eligible flows, and the gold ledger runs alongside the equity and crypto sides so you can rebalance without switching apps. Pluang cites over 13 million investors, and the group entities are licensed and supervised by OJK, Bappebti, and Bank Indonesia across the products they cover.
Tring! vs Pluang comes down to breadth. Tring! goes deep on Pegadaian’s own pawn and gold rails. Pluang goes wide across asset classes, with gold as one of many.
Advantages:
- Gold plus stocks, crypto, and options in one app
- Rp10,000 minimum on gold and a 0 percent fee promo on eligible trades
- Licensed and supervised across product entities (OJK, Bappebti, BI)
- Deep liquidity and a mature app after several product cycles
Disadvantages:
- Multi-asset surface can feel busy for gold-only users
- Some products carry spread and admin costs you should compare per asset
- No pawn service, so gold-savings pawn is not available
Pricing: Free app. Product-level fees, spreads, and interest rates are disclosed per asset at checkout.
2. Treasury -- best pure digital gold app
Treasury is the closest thing to a specialist opposite Tring!’s gold savings module. You buy Antam Logam Mulia and UBS 24k gold in fractional grams, hold it in the app, and redeem printed bars through the Treasury workflow when you want to take delivery. The onboarding is fast, the buy-sell surface is small on purpose, and the app is registered and supervised by the relevant Indonesian regulators for its bullion activity. Users who care mainly about the price they pay and how quickly they can print a bar tend to prefer this over Tring!’s broader shell.
Tring! vs Treasury is a focus test. Tring! gives you gold plus pawn plus cicil emas plus bills. Treasury gives you gold, cleanly, and gets out of the way.
Advantages:
- Antam and UBS 24k gold under one workflow
- Tight, gold-first interface with fast redeem for physical bars
- Small opening ticket and simple ledger
- Verified on Aptoide with a live store URL
Disadvantages:
- No pawn, no cicil emas, no bill pay
- Advanced portfolio tools live elsewhere
- Bar-delivery logistics and fees still apply at pickup
Pricing: Free app. Buy-sell spread and printing or shipping fees show at checkout.
3. Tamasia -- best sharia-compliant gold savings
Tamasia takes the sharia angle seriously. Every gold stamp on the platform is an Antam Logam Mulia stamp with 999.9 purity, and the operator sits under a sharia bank governance frame. You can start from Rp10,000 and redeem physical stamps in denominations from 1 gram up to 100 grams. That combination, sharia governance plus a real physical redemption path, is what pushes many Tring! users to consider Tamasia when they want the same gold-savings idea without the pawn context.
Tring! vs Tamasia is a compliance and simplicity trade. Tring! covers a wider service set; Tamasia stays specialized and sharia-first.
Advantages:
- Antam Logam Mulia with 999.9 purity across all stamps
- Sharia-first product design under a sharia bank umbrella
- Physical stamp redemption from 1 gram up to 100 grams
- Low Rp10,000 entry ticket
Disadvantages:
- Historic user complaints about service disruption windows
- No multi-asset play beyond gold
- Support responsiveness varies by channel and time
Pricing: Free app. Buy-sell spread and stamp printing costs apply.
4. Bareksa -- best reksadana marketplace with gold
Bareksa is the older marketplace for reksadana and Surat Berharga Negara (SBN) in Indonesia, and it added a Bareksa Emas gold module to sit beside the fund and bond catalog. If your reason to leave Tring! is that gold alone is too narrow a portfolio, Bareksa lets you keep gold as a slice while running actual reksadana and government bond allocations from the same login. The reksadana selection is one of the deepest available to Indonesian retail investors.
Tring! vs Bareksa is a portfolio question. Bareksa is a full investment marketplace; Tring! is a Pegadaian services shell.
Advantages:
- Widest reksadana and SBN catalog in the Indonesian retail market
- Bareksa Emas gold module for buy, save, and sell
- Auto-invest routines and portfolio views across asset types
- OJK-registered marketplace with a long operating history
Disadvantages:
- No pawn or cicil emas service
- Gold catalog is narrower than a dedicated gold app
- Some fund and bond flows require KYC upgrades
Pricing: Free app. Fund subscription and redemption fees vary by fund and manager. SBN carries government-set yields; gold carries a market spread.
5. IndoGold -- best for physical bar buyers
IndoGold is a gold-only platform aimed at users who care most about the price of the bar and the reliability of delivery. The app supports buy, sell, and physical delivery workflows and carries an OJK-supervised license posture for its bullion activity. For readers whose Tring! use is essentially “buy gold, hold gold, take delivery when it makes sense,” IndoGold is the specialist route.
Tring! vs IndoGold is a scope question. Tring! is a super-app for Pegadaian services; IndoGold is a purpose-built gold buyer.
Advantages:
- Gold-first product design with clear buy, save, and delivery flows
- Physical bar delivery under an OJK-supervised license
- Small denominations for entry-level buyers
- Straightforward ledger without pawn, bills, or paylater noise
Disadvantages:
- No multi-asset upside
- No pawn service if you need short-term liquidity against gold
- Interface is functional rather than polished
Pricing: Free app. Buy-sell spread and bar delivery costs apply.
6. Bibit -- best robo-advised reksadana
Bibit built its reputation on a simple robo-advisor for reksadana. Answer a short risk questionnaire, get a portfolio split between money market, fixed income, and equity funds, and let the app auto-invest and rebalance on schedule. The gold angle here is indirect: Bibit’s money-market funds park cash safely alongside a Pegadaian-style gold holding you keep elsewhere. For Tring! users who really want a plain, safe savings surface, Bibit is a strong companion (or replacement) on the “grow slowly, low drama” side.
Tring! vs Bibit trades gold specificity for portfolio hygiene. Bibit skips gold as a directly held asset; Tring! keeps gold central.
Advantages:
- Robo-advisor with automatic rebalancing
- Widely used reksadana platform with strong onboarding
- Rp10,000 entry ticket on most funds
- Money-market funds for a plain, low-volatility parking spot
Disadvantages:
- No direct gold holding as an asset on the app
- No pawn service
- Portfolio choices sit inside the robo model unless you override
Pricing: Free app. Fund subscription and redemption fees vary by fund.
7. Nanovest -- best low-ticket multi-asset
Nanovest attacks the entry-barrier problem. You can start with Rp5,000 and hold US stocks, crypto, and gold behind a single KYC that Nanovest describes as a one-minute digital process. The gold module is not as deep as Treasury or IndoGold, and the equity side is not as broad as Pluang. What Nanovest is good at is the on-ramp: it makes it easy to try a diversified small portfolio without the paperwork drag some heavier apps demand. Nanovest is registered and supervised by BAPPEBTI, and it advertises portfolio insurance through Sinarmas Insurance with SIPC coverage on the US stock leg.
Tring! vs Nanovest is a beginner question. Nanovest is the softer landing for a first-time multi-asset user; Tring! is the deep tie-in to Pegadaian’s outlet network.
Advantages:
- Rp5,000 minimum across US stocks, crypto, and gold
- Fast digital KYC
- Regulatory posture across BAPPEBTI, Sinarmas, and SIPC on the US stock leg
- Simple layout for first-time investors
Disadvantages:
- Gold catalog narrower than dedicated gold apps
- No pawn service or cicil emas
- Advanced trading features are lighter than Pluang or Ajaib
Pricing: Free app. Product-specific spreads, fees, and FX apply.
Frequently asked questions
What is the best Tring! by Pegadaian alternative for gold savings?
For gold-first users, Treasury is the closest replacement: fractional Antam and UBS 24k with fast physical redemption and no pawn ledger to navigate. If you want gold alongside stocks and crypto, Pluang is the wider choice. If sharia compliance matters, Tamasia is the sharia-first option.
Can Tring! gold savings move to another app?
There is no direct gold-to-gold transfer between platforms. The standard route is to sell your Tring! gold savings back to Pegadaian, receive the funds in a linked bank account, then buy back on the new platform. Watch the buy-sell spread on both sides so the round trip is not more expensive than staying put.
Which apps offer sharia-compliant gold?
Tamasia runs sharia-first and uses Antam Logam Mulia stamps. Tring! itself has Pegadaian Syariah services alongside conventional ones. For broader sharia savings and gold, some digital banks and reksadana platforms have sharia modes; check the product-level disclosures before committing.
Are these gold apps regulated?
The bullion, gold-savings, and reksadana products described here operate under Indonesian regulatory frameworks. Bullion activities are supervised by OJK, futures and crypto by BAPPEBTI, and reksadana by OJK through the fund managers and marketplaces. Look for the OJK, BAPPEBTI, and Bank Indonesia disclosures inside each app before opening a position.
Which app has the lowest gold buy-in?
Nanovest advertises a Rp5,000 minimum across gold, US stocks, and crypto. Treasury and several others start around Rp10,000. The right choice is the platform whose spread and admin costs are lowest for the amounts you actually plan to buy, not just the lowest entry ticket.
