Why is my IDR Yield rate 1% and not 2.5%?

Question

Accepted Answer

Your IDR Yield rate is 1% because you aren't currently a Pluang Plus member; the 2.5% rate is for Pluang Plus members only, as of October 2026. You become a member automatically once your Net Investment Value (NIV) reaches Rp100,000,000, and your rate switches to 2.5% from that day. The table below covers other cases.

Symptom / ConditionPossible CauseSolution

The app showed "up to 2.5%" before you activated2.5% is the highest rate, which only Pluang Plus members get. Regular users earn 1%.No action is needed. Your rate switches to 2.5% automatically if you become a Pluang Plus member.
Your NIV is below Rp100,000,000Pluang Plus membership requires an NIV of Rp100,000,000 or moreYour rate changes to 2.5% automatically from the day your NIV reaches Rp100,000,000. There is no application or fee.
Your portfolio is worth more than Rp100,000,000 but you aren't Pluang PlusMembership uses NIV, not portfolio value. NIV does not rise with market prices.NIV is your top-ups, incoming stock transfers, realised gains and dividends, minus withdrawals, outgoing stock transfers, reallocations to other assets and realised losses.
Part of the month was paid at 2.5% and part at 1%Your rate follows your Pluang Plus status each dayNo action is needed. Days when you were a member were calculated at 2.5%; other days at 1%.
The rate changed for everyonePluang can change the IDR Yield rate with at least 14 calendar days' noticeCheck the notice in the app or in your email. The current rate is always shown in the Pluang app.

If the issue persists:Contact Pluang Care via live chat in the Pluang app, email tanya@pluang.com, or call (021) 8063 0065 (Monday to Friday, 09:00–18:00 WIB). Include the month you're asking about and a screenshot of your IDR Cash page.
Related questions
Q: How do I become a Pluang Plus member?Membership is automatic once your Net Investment Value reaches Rp100,000,000. There is no application and no fee.
Q: Is my past yield recalculated when I become Pluang Plus?No. Days before your status changed keep the 1% rate. The 2.5% rate applies from the day you become a member.
Q: Does Pluang Plus also raise my USD Yield rate?Yes. As of October 2026, Pluang Plus members earn 3.38% per year on USD Yield, compared with 0.63% for regular users.
Last updated: 14 October 2026

Why is my IDR Yield rate 1% and not 2.5%?

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Symptom / Condition	Possible Cause	Solution
The app showed "up to 2.5%" before you activated	2.5% is the highest rate, which only Pluang Plus members get. Regular users earn 1%.	No action is needed. Your rate switches to 2.5% automatically if you become a Pluang Plus member.
Your NIV is below Rp100,000,000	Pluang Plus membership requires an NIV of Rp100,000,000 or more	Your rate changes to 2.5% automatically from the day your NIV reaches Rp100,000,000. There is no application or fee.
Your portfolio is worth more than Rp100,000,000 but you aren't Pluang Plus	Membership uses NIV, not portfolio value. NIV does not rise with market prices.	NIV is your top-ups, incoming stock transfers, realised gains and dividends, minus withdrawals, outgoing stock transfers, reallocations to other assets and realised losses.
Part of the month was paid at 2.5% and part at 1%	Your rate follows your Pluang Plus status each day	No action is needed. Days when you were a member were calculated at 2.5%; other days at 1%.
The rate changed for everyone	Pluang can change the IDR Yield rate with at least 14 calendar days' notice	Check the notice in the app or in your email. The current rate is always shown in the Pluang app.