Is there a fee to withdraw RDN funds to a different bank than my RDN bank on Pluang?
Yes. If the bank account you cash out to is at a different bank from your RDN host bank, Pluang charges a flat Rp2,900 per transaction as an interbank transfer fee. Cashing out to an account at your RDN's host bank — either BCA or Bank Jago — is free of charge.
RDN cashout fee, by destination bank vs RDN host bank:
| Destination Bank vs Your RDN Host Bank | Fee per Cashout |
|---|---|
| Same bank as your RDN (e.g. RDN at Bank Jago → cashout to a Jago account) | Free (no admin fee) |
| Different bank from your RDN (e.g. RDN at Bank Jago → cashout to BCA, BNI, Mandiri, etc.) | Rp2,900 per transaction |
Why the fee applies:
- Your RDN sits at one of Pluang's two RDN partner banks: BCA or Bank Jago (assigned when your RDN is opened)
- Cashing out to an account at the same bank stays within that bank's network — no transfer fee
- Cashing out to any other bank is processed as an interbank transfer; Rp2,900 covers the interbank charge
How to avoid the fee:
- Register an account in your own name at the same bank as your RDN host bank (BCA or Bank Jago) as your withdrawal destination
- The bank account name must exactly match your registered Pluang account name
Other RDN cashout facts:
- Minimum withdrawal: Rp10,000
- Minimum remaining RDN balance: Rp1 (the balance cannot be brought to Rp0)
- Funds typically arrive at the destination bank within 1–2 business days
Related questions:
Q: Which banks can host my RDN on Pluang?
Two: BCA and Bank Jago. Each user's RDN is assigned to one of these two banks when the RDN account is first opened.
Q: How do I check which bank hosts my RDN?
Open the Pluang app, go to Wallet → RDN Account. Your RDN host bank (BCA or Bank Jago) is shown on the account details screen.
Q: Is the Rp2,900 fee charged per withdrawal or per day?
Per withdrawal. Each cashout to a bank different from your RDN host bank is charged Rp2,900, regardless of how many cashouts you make in a single day.
Q: Can I avoid the fee by changing my withdrawal destination account?
Yes. Register an account at the same bank as your RDN host bank in your own name, and future cashouts to that account will be free.
Q: Does the same fee apply to RDN top-ups?
No. The Rp2,900 fee only applies to outgoing RDN cashouts. RDN top-ups go directly into your RDN host bank and are not subject to this fee.