Can I replace or delete the bank account registered in Pluang?
You can't edit a bank account's details, such as its number or the name on it, once it's registered in Pluang, but you can add another bank account and ask Pluang Care to delete one you no longer use. To add a bank account, go to Account → Bank Account and tap "+". It must be in your own name, and you can save up to 5 accounts, each from a different bank, so you don't need to delete an old account first unless you've reached that limit or the new account is at a bank you've already saved. To delete one, contact Pluang Care with the bank name, the account number and your reason. Deletion takes 1–3 business days once your data is complete, and Pluang Care tells you the outcome. Adding a bank account starts Pluang's 24-hour security hold on withdrawals. You can also choose which saved account receives your RDN withdrawals yourself in the app, and that change is immediate, while mutual fund sale proceeds go to the account you register for mutual funds.
What you can and can't do with a registered bank account
| Action | Can you do it? | How |
|---|---|---|
| Edit the account number or the name on a registered account | No | Add the correct account as a new bank account instead |
| Add another bank account | Yes, up to 5 accounts, each from a different bank and all in your own name | In the app: Account → Bank Account → "+" |
| Delete a bank account | Yes, through Pluang Care | Send the bank name, the account number and your reason. It takes 1–3 business days once your data is complete. If it's the account your RDN withdrawals or mutual fund proceeds go to, choose another account for those first |
| Choose which account receives RDN withdrawals and mutual fund sale proceeds | Yes, in the app. RDN changes are immediate; registering an account for mutual funds takes some time | On the bank account page in the Account menu: turn on "RDN Withdrawal" for a saved account, or tap "Daftarkan untuk Reksa Dana" for mutual funds |
Related questions:
Q: Do I need to delete my old bank account before adding a new one?
No, unless you've already saved 5 bank accounts, the maximum, or already have an account saved at the same bank. You can add a new account in your own name at any time from Account → Bank Account → "+", and keep the old one saved. Each saved account has to be from a different bank. If you want to remove the old account afterwards, contact Pluang Care with its bank name, account number and your reason for deleting it.
Q: Can I change the account my RDN or mutual fund money goes to?
Yes. You choose your RDN withdrawal account yourself in the app by turning on "RDN Withdrawal" for a saved account, and the change is immediate. Mutual fund sale proceeds go to the account you register with "Daftarkan untuk Reksa Dana", which takes some time to process. Either account has to be saved and in your own name first. Any withdrawal already in progress still goes to your current account.
Q: What happens to a withdrawal that's already in progress?
A withdrawal or mutual fund sale that's already being processed still goes to the bank account it was placed with. Withdrawals can't be cancelled once they're submitted. If you're planning to stop using an account, wait for any withdrawal or sale in progress to finish before you ask Pluang Care to delete that account, so the money arrives where you expect it.
Q: What if my bank account number or bank has changed?
You can't edit a saved account, so add the new one instead. If you've moved to a different bank, add the new account as a separate bank account from Account → Bank Account → "+". If you have a new account number at the same bank, ask Pluang Care to delete the old one first, because each saved account must be from a different bank. The new account has to be in your own name.
Q: Why can't I withdraw right after adding a bank account?
Adding a bank account is one of the activities that start Pluang's 24-hour security hold, which protects your money if someone else gets into your account. A withdrawal may not go through until the hold ends, which happens automatically after 24 hours, with nothing for you to request. To avoid waiting when you need your money, add a new bank account well before you plan to withdraw.