What is required to perform Indonesian Asset Verification?
To perform Indonesian Asset Verification on Pluang, you need to prepare five things: your personal data matching your ID exactly, a completed Investor Profile based on your risk tolerance and expected return, an active bank account in your own name for Mutual Fund proceeds and RDN withdrawals, your latest Family Card (Kartu Keluarga) if your occupation is Homemaker, Student, or University Student, and, if you choose a BCA RDN, a signature that matches the one on your e-KTP. If you're a WNI applying for Indonesian Stocks access specifically, your RDN (Rekening Dana Nasabah) is opened at BCA or Bank Jago, Pluang's only two RDN partner banks: a BCA RDN needs an active BCA account in your own name, while a Bank Jago RDN can be opened even if you don't have a Jago account yet. Basic Verification (e-KTP, NPWP, and selfie for WNI, or a valid passport for WNA) must already be complete before you start this Tier 2 step, and the whole review typically takes 1–2 business days once every document is submitted.
Documents and data checklist:
| Item | Notes |
|---|---|
| Personal data | Must match your ID card exactly |
| Investor Profile | Based on your risk tolerance and expected return; completed in-app |
| Active bank account in your own name | For Mutual Fund proceeds and RDN withdrawals |
| Family Card (Kartu Keluarga) — latest version | Required only if your occupation is Homemaker, Student, or University Student |
| Signature (BCA RDN only) | Must match the signature on your e-KTP |
| BCA account (WNI choosing a BCA RDN) | Required to open a BCA RDN — a Bank Jago RDN doesn't need an existing Jago account |
Related questions:
Q: Which banks are currently supported for opening an RDN?
Only BCA and Bank Jago are Pluang's RDN bank partners right now, and no other bank can currently be used to open an RDN. A BCA RDN needs an active BCA account in your own name, while a Bank Jago RDN can be opened even if you don't have a Jago account yet. If you only want Mutual Fund access, any active bank account in your own name is enough.
Q: What is an Investor Profile and how do I complete it?
The Investor Profile is a short in-app questionnaire that assesses your risk tolerance and expected investment return, used to help tailor product recommendations to your profile. You complete it directly within the Pluang app as part of the Indonesian Asset Verification flow — there's no separate document to upload for this item, just answers to the questions presented.
Q: Do WNA need to prepare the exact same documents as WNI?
Not quite. A WNA doesn't need an e-KTP, NPWP, or a BCA/Bank Jago account, since those are specific to WNI and to opening an RDN for Indonesian Stocks trading. A WNA instead uses a valid passport (submitted at Basic Verification) and any active bank account in their own name for Mutual Fund proceeds — the Family Card requirement still applies if relevant to their occupation.
Q: What happens if my Family Card is outdated?
Your verification will be rejected if the Family Card you submit isn't the latest version — Pluang specifically requires the most current Kartu Keluarga for applicants whose occupation is Homemaker, Student, or University Student. You'll need to obtain an updated copy from your local civil registry office (Dukcapil) and resubmit, which restarts the 1–2 business day review.