What is RDN allocation on Pluang?
RDN allocation on Pluang lets you add money to your Bank Jago RDN directly from your IDR Cash or IDR Crypto Funding balance in the Pluang app, without topping up from your bank account. Indonesian stock trading on Pluang is facilitated by PT Pluang Maju Sekuritas, a Securities Company licensed and supervised by OJK (KEP-196/PM/1992), together with PT Sarana Santosa Sejati, a Level II Securities Brokerage Marketing Partner licensed and supervised by OJK (4/PM.02/STTD/MPPPE/2024). Allocating is free: the confirmation screen shows a Free fee and Rp0 tax, so the full amount reaches your RDN, usually within 10–30 minutes. The minimum is Rp10,000 per allocation, with no maximum. Allocation is being rolled out in stages, so if you don't see Allocate for your RDN yet, top it up from your bank account for now. It works only into a Bank Jago RDN: not yet into a BCA RDN, and RDN money can't be allocated back to your other balances.
Two ways to add money to your RDN
| Allocate from your Pluang balance | Top up from your bank account | |
|---|---|---|
| Where the money comes from | IDR Cash or IDR Crypto Funding | A bank account in your own name |
| Where you start it | Allocate, on the IDR tab of your Balance page in the Pluang app | Your bank's app, internet banking or an ATM, using your RDN account number |
| Which RDN | Bank Jago RDN only, for now | Bank Jago or BCA RDN |
| Pluang fee | Free, with Rp0 tax | Free; your bank may charge its own fee |
| Minimum | Rp10,000 per allocation, with no maximum | No minimum |
| When it shows in your RDN | Usually within 10–30 minutes; longer after trading hours | Within 1×24 hours at most; a same-bank top-up is usually quickest |
Good to know
- You need an open Bank Jago RDN. Your RDN opens once your Indonesian Asset Verification is approved, and its bank is set when it opens.
- Allocating from IDR Crypto Funding: the money passes through IDR Cash on its way to your RDN, so your transaction history may show two entries for one allocation.
- After trading hours: allocations can take longer than 10–30 minutes. On every trading day the bank system is also unavailable for a while, usually 16:30–20:00 WIB, and allocations made then are processed once it is back.
- Not between 23:00 and 04:00 WIB: you can't allocate during the RDN's daily downtime.
- One at a time: only one allocation can be in process at a time; you can make the next one once the first has finished.
- If an allocation fails: the amount goes straight back to the balance you allocated from.
- App only: you start an allocation in the Pluang app, not on Pluang web trading.
- Terms: when you complete an allocation, you agree to the RDN Terms & Conditions linked on the confirmation screen.
- Risk: money in your RDN stays cash until you buy stocks; the value of the stocks you buy can go up or down, and past performance is not a guarantee of future results.
- Learn more: Indonesian Stocks on Pluang and how to open a Bank Jago RDN on Pluang (Pluang Akademi).
Related questions
Q: Is there a fee to allocate money to my RDN?
No. Allocating money from IDR Cash or IDR Crypto Funding to your Bank Jago RDN is free. Before you confirm, the app shows the amount, a Free fee, Rp0 tax and the amount to be received, which matches the amount you allocate. Topping up your RDN from a bank account is free on Pluang's side too, but your sending bank may charge its own fee, which doesn't apply when you allocate.
Q: Can I allocate money from my RDN back to IDR Cash?
Not yet. For now, allocation works only into your RDN, from IDR Cash or IDR Crypto Funding, and money in your RDN can't be allocated to your other Pluang balances. To use RDN money elsewhere on Pluang, tap Cash Out on your RDN to withdraw it to your registered bank account, then top up the balance you need. A withdrawal from a Bank Jago RDN to a Bank Jago account is free; a withdrawal to another bank costs Rp2,900.
Q: Can I allocate money to a BCA RDN?
Not yet. RDN allocation currently works only for a Bank Jago RDN. If your RDN is at BCA, keep topping it up from a bank account in your own name using your RDN account number; there's no minimum and no Pluang fee, though your bank may charge its own. Your RDN's bank is set when the RDN opens and can't be changed in the app, so contact Pluang Care to ask about switching banks.
Q: Does money I allocate from IDR Cash still earn IDR Yield?
No. IDR Yield is calculated on the IDR Cash balance you hold at 23:59 WIB each day, so money you allocate to your RDN stops counting toward IDR Yield once it leaves IDR Cash. Yield you have already earned stays yours. A Bank Jago RDN pays its own interest instead, 2% a year as of October 2026. IDR Yield is operated by PT Bumi Santosa Cemerlang, which is licensed and supervised by OJK.
Last updated: 6 November 2026