Which balance earns IDR Yield?
Only your IDR Cash earns IDR Yield. Money in your IDR Crypto Funding balance (Saldo Crypto IDR), your RDN for Indonesian stocks, your USD balance or any asset you hold does not earn IDR Yield. To earn on more of your rupiah, move it into your IDR Cash: transfers from IDR Crypto Funding are free, and you can also top up IDR Cash directly by BCA Direct Transfer, with a minimum of Rp500,000 per transaction. Money from selling an asset earns IDR Yield only once it is in your IDR Cash at 23:59 WIB. Your USD cash balance has its own program, USD Yield, which you activate separately.
Which balances earn IDR Yield
| Balance | Earns IDR Yield? |
|---|---|
| IDR Cash (Saldo IDR) | Yes, once IDR Yield is activated |
| IDR Crypto Funding (Saldo Crypto IDR) | No; transfer it to your IDR Cash for free |
| RDN (for Indonesian stocks) | No |
| USD balance | No; it can earn USD Yield instead |
| USD Margin | No |
| Assets such as stocks, gold or crypto | No |
Related questions
Q: How do I move money into my IDR Cash?
Transfer it from IDR Crypto Funding in the Pluang app; transfers between your IDR wallets are free. You can also top up IDR Cash directly by BCA Direct Transfer from a bank account in your own name, with a minimum of Rp500,000 per transaction and no admin fee. Virtual account top-ups go to IDR Crypto Funding, so transfer that money across afterwards if you want it to earn IDR Yield.
Q: Does my RDN earn IDR Yield?
No. Your RDN (Rekening Dana Nasabah), the account used for Indonesian stocks, is separate from your IDR Cash and does not earn IDR Yield. Money in your RDN can't be moved to other Pluang balances, so it can't be switched into IDR Yield either. Only money held in your IDR Cash at 23:59 WIB earns IDR Yield.
Q: Does my USD balance earn IDR Yield?
No. IDR Yield applies only to rupiah in your IDR Cash. Your withdrawable USD cash balance can earn USD Yield instead, a separate program with its own rates and payment date that you activate on its own. Note that converting USD to IDR, or IDR to USD, costs 0.25% of the amount plus 11% VAT on that fee.
Last updated: 14 October 2026