Why Hasn't My Withdrawal Been Received?
This article covers withdrawals from your IDR Crypto Funding balance (Saldo Crypto IDR) — the main cash-out flow for Crypto, Gold, US Stocks, and other non-Indonesian-Stocks activity. Standard withdrawals are processed within 15 minutes, so most delays trace back to one of a few known causes — bank downtime, a large or first-time withdrawal requiring extra processing, or the daily withdrawal limit being reached. Check your Transaction History status first, then match your situation to the table below. (If you're withdrawing from RDN instead, see the note at the end — RDN has different rules.)
Problem: Withdrawal submitted but funds haven't arrived in your bank account.
| Symptom / Condition | Possible Cause | Solution |
|---|---|---|
| Submitted between 22:00–05:00 WIB | Bank system downtime | Funds are queued and processed automatically once the bank system reopens; allow up to 1×24 hours |
| Withdrawal amount ≥ Rp250,000,000 | Routed via RTGS/SKN, which takes longer than standard transfers | Allow 1–2 business days; no action needed |
| This is your first-ever withdrawal | One-time additional verification for new accounts with no prior investment history | Allow 1–3 calendar days |
| Daily withdrawal limit reached on IDR Crypto Funding (Rp500,000,000/day, effective 22 July 2026) | You've hit the cumulative cap for the calendar day | Wait until 00:00 WIB, when the limit resets, then withdraw the remainder |
| Notified to complete EDD or update profile data | Pluang's compliance system flagged the transaction for additional verification | Complete the EDD form as prompted; processing takes up to 3 business days after submission |
| Status shows "Completed" or "Submitted" but funds aren't visible yet | Pluang has forwarded the funds to the payment gateway, which is still completing the inter-bank transfer to your bank | This is normal — allow up to 24 hours total; the delay is on the inter-bank side, not Pluang's |
Before contacting support: Double-check that your destination bank account number is correct and still active — an incorrect or inactive account is a common, easily-missed cause of delay. Also confirm your bank's own transaction rules, since processing windows can vary by bank.
Note: This is different from a withdrawal that shows "Rejected" status, which has its own specific causes (name mismatch, blocked account) — see the related article below.
If you're withdrawing from RDN instead: RDN (Rekening Dana Nasabah, used for Indonesian Stocks) is a completely separate wallet with its own withdrawal flow. Its limits differ — withdrawals from an RDN at Bank Jago to another bank have their own cap of Rp1,000,000,000 per day — and there is no transfer path between IDR Crypto Funding and RDN in either direction — the causes above are specific to IDR Crypto Funding.
If the issue persists:
If your withdrawal still hasn't arrived after 24 hours, contact Pluang Care with your withdrawal reference number, amount, destination bank, and date/time: tanya@pluang.com | in-app live chat | (021) 8063 0065 (Mon–Fri 09:00–18:00 WIB).
Related questions:
Q: How long does a Pluang withdrawal normally take?
Standard withdrawals process within 15 minutes. Longer timelines only apply to specific cases like bank downtime, large withdrawals, or first-time withdrawals.
Q: What does "Completed" or "Submitted" status mean on my withdrawal?
It means Pluang has successfully sent the funds to the payment gateway and onward to your bank — the remaining delay, if any, is on the inter-bank side.
Q: Is there a daily withdrawal limit on Pluang?
Yes, for IDR Crypto Funding — Rp500,000,000 per day, cumulative, effective 22 July 2026, resetting at 00:00 WIB. RDN withdrawals follow their own rules: withdrawals from an RDN at Bank Jago to another bank have their own cap of Rp1,000,000,000 per day.
Q: Does this apply if I'm withdrawing from RDN?
No — RDN is a separate wallet for Indonesian Stocks with its own withdrawal rules; withdrawals from an RDN at Bank Jago to another bank have their own cap of Rp1,000,000,000 per day. The causes and the Rp500,000,000/day limit above are specific to IDR Crypto Funding.
Q: Why would my withdrawal need extra verification (EDD)?
Pluang's compliance system situationally flags certain transactions for Enhanced Due Diligence. Complete the form when prompted; it takes up to 3 business days to process.
Q: What should I do if my withdrawal still hasn't arrived after 24 hours?
Contact Pluang Care via live chat, email, or phone with your withdrawal reference number, amount, destination bank, and date/time so they can coordinate with the sending bank on your behalf.