What happens to my IDR Yield when I use or move my IDR Cash?
Money you use or move out of your IDR Cash stops earning IDR Yield from the day it leaves, and the yield it has already earned stays yours. Yield is calculated on your balance at 23:59 WIB each day, so if you buy an asset, transfer to IDR Crypto Funding or move money elsewhere before 23:59 WIB, that money earns nothing for that day, while the rest of your balance keeps earning as usual. Everything earned during the month, including on money you later moved out, is still paid by the 10th of the following month. When you start moving money out of your IDR Cash, the app may remind you that the balance is earning yield; you can carry on if you still want to move it. Money you move back in earns again from the next 23:59 WIB check.
Example: moving money out halfway through a 30-day month (regular user, 1%)
| Days | Balance at 23:59 WIB | Yield¹ |
|---|---|---|
| 1–15 | Rp10,000,000 | 15 × Rp273.97 = Rp4,109.59 |
| 16–30 | Rp4,000,000 | 15 × Rp109.59 = Rp1,643.84 |
| Month total (paid) | Rp5,753 |
¹ Daily figures are rounded to two decimals here; the month total is rounded down to the whole rupiah.
Related questions
Q: Does buying an asset with my IDR Cash stop my yield?
Only for the money you spend. If you use Rp2,000,000 of a Rp10,000,000 IDR Cash balance to buy an asset, the remaining Rp8,000,000 keeps earning, provided it is still in the wallet at 23:59 WIB. The Rp2,000,000 earns nothing from that day, but whatever it earned on earlier days is still paid by the 10th of the following month.
Q: Will I lose this month's yield if I move everything out?
No. Yield already accrued during the month stays yours even if your IDR Cash balance drops to zero, and it is paid by the 10th of the following month. To withdraw to your bank account, money in your IDR Cash first has to be transferred to IDR Crypto Funding, which is free. Separately, no yield is paid for a period if your IDR Cash account is not active on the payment date.
Q: Do I need to activate IDR Yield again after moving money out?
No. IDR Yield stays active when your balance goes down, even to zero. Money you add back to your IDR Cash starts earning again on the first day it is in the wallet at 23:59 WIB, with no need to reactivate.
Last updated: 14 October 2026