Is there a minimum or maximum balance for IDR Yield?

No. IDR Yield has no minimum balance and no maximum balance, for regular users and Pluang Plus members alike, so every rupiah in your IDR Cash at 23:59 WIB earns yield. Whether you keep Rp100,000 or several billion rupiah there, the whole balance counts at your rate: 2.5% per year for Pluang Plus members or 1% per year for regular users, as of October 2026. The only limit is on the payout side: each month's total is rounded down to the whole rupiah before it is paid, so a very small balance can earn less than Rp1 in a month and receive nothing for that month. For example, Rp1,000 held for a 30-day month at 1% earns about Rp0.82, which rounds down to Rp0.

• No minimum balance: any amount in your IDR Cash can earn yield.
• No maximum balance: there is no cap on how much of your balance earns yield.
• Rounding: the monthly total is rounded down to the whole rupiah, and fractions of a rupiah are not carried over to the next month.
• Same for every member: your membership changes the rate, not how much of your balance counts.

Related questions

Q: Do Pluang Plus members get a higher limit?
No. There is no limit for anyone. Regular users and Pluang Plus members both earn on their full IDR Cash balance; membership only changes the rate, which is 1% per year for regular users and 2.5% per year for Pluang Plus members. A large balance earns on every rupiah at the rate that applies to you on each day.

Q: How small a balance still gets paid?
Every balance earns yield each day, but the monthly total is paid in whole rupiah. At 1% per year, a balance of about Rp1,300 kept for a full 30-day month earns just over Rp1; at 2.5% per year, about Rp500 is enough. Below that, the month's total rounds down to Rp0 and nothing is paid for that month.

Q: Do I need a minimum balance to activate IDR Yield?
No. There is no minimum balance for IDR Yield. Once you have activated it, yield is calculated on whatever is in your IDR Cash at 23:59 WIB each day, however small. Activation only requires an active account and completed Global & Yield Asset Verification.

Last updated: 14 October 2026