What is IDR Yield on Pluang?
IDR Yield is a Pluang program that pays you a yearly return on the rupiah you keep in your IDR Cash, so idle money keeps earning while you decide what to invest in next. As of October 2026, Pluang Plus members earn 2.5% per year and regular users earn 1% per year. Yield is calculated every day from your IDR Cash balance at 23:59 WIB and paid into your IDR Cash by the 10th of the following month. There is no minimum balance, no maximum balance and no fee to take part. To start earning, complete Global & Yield Asset Verification and then activate IDR Yield in the Pluang app, because it does not switch on automatically. Your money stays in your IDR Cash the whole time, so you can still use it to invest or move it out whenever you like.
IDR Yield at a glance
| Feature | Detail |
|---|---|
| Rate | 2.5% per year (Pluang Plus), 1% per year (regular) |
| Balance that earns | IDR Cash only |
| How it is calculated | Every day, on your balance at 23:59 WIB |
| When it is paid | By the 10th of the following month, into your IDR Cash |
| Minimum or maximum balance | None |
| Fee | None |
| Requirements | Global & Yield Asset Verification, then activate IDR Yield |
IDR Yield is operated by PT Bumi Santosa Cemerlang, which is licensed and supervised by Otoritas Jasa Keuangan (OJK). The full terms are at pluang.com/tnc/idr-yield-tnc.
Related questions
Q: Is IDR Yield the same as bank interest?
No. IDR Yield is a benefit paid under the IDR Yield Program terms by PT Bumi Santosa Cemerlang, which is licensed and supervised by Otoritas Jasa Keuangan (OJK). It is not deposit interest paid by a bank. Your money stays in your IDR Cash the whole time, and Pluang works out your yield every day and credits the monthly total to your IDR Cash by the 10th of the following month.
Q: Do I need to activate IDR Yield?
Yes. IDR Yield does not start automatically, even after your verification is complete. Once you have completed Global & Yield Asset Verification, activate IDR Yield from your wallet page or your IDR Cash page in the Pluang app. Yield starts accruing on the day you activate, so money already in the wallet begins earning straight away. Activating IDR Yield does not activate USD Yield; the two are separate programs.
Q: Can I still use my money while it earns IDR Yield?
Yes. IDR Yield does not lock your money. You can use your IDR Cash balance to buy assets or move it to another Pluang wallet at any time. The only effect is that money which is no longer in your IDR Cash at 23:59 WIB does not earn yield for that day. Yield you have already earned stays yours and is still paid by the 10th of the following month.
Q: Does IDR Yield cost anything?
No. There is no fee to activate or take part in IDR Yield. Pluang does not withhold tax from the yield either, so the amount credited is the full amount calculated. Other fees still apply as usual, for example the withdrawal fee from your second withdrawal in a calendar month. You are responsible for reporting the yield you receive in your own annual tax return.
Last updated: 14 October 2026