What is the maximum balance allowed in my RDN on Pluang?

Pluang does not set any maximum balance cap on your RDN — you can hold as much cash in it as you like for stock investing. The practical ceiling to be aware of is not a Pluang rule but LPS (Lembaga Penjamin Simpanan) deposit insurance, which only guarantees RDN cash up to Rp2,000,000,000 per depositor per bank; balances above that threshold remain fully yours and usable, but the excess isn't covered if the partner bank itself were to fail. Very large single-day cash movements may also be subject to Indonesia's standard financial-intelligence reporting rules for large transactions, independent of anything Pluang does. If your RDN is held at Bank Jago, idle cash within that balance also earns a separate 2% p.a. yield, calculated daily and credited automatically regardless of how close you are to the LPS threshold.

What you should know about RDN balances on Pluang:

• No upper balance limit set by Pluang for retail investors — deposit as much as your investment plan requires
• LPS protection caps out at Rp2,000,000,000 per depositor per bank; this is a banking-sector rule, not a Pluang-specific restriction, and applies the same way to regular savings accounts
• Cash transactions above certain thresholds in a single day may trigger mandatory reporting to Indonesia's financial intelligence unit (PPATK) — a standard regulatory requirement across all Indonesian financial institutions, not something unique to Pluang or to RDN accounts
• Your stock holdings, separately custodied at KSEI, are protected up to Rp100,000,000 per investor via SIPF regardless of how large your RDN cash balance is — the two protections are independent of each other

Related questions:

Q: Is an RDN balance above Rp2 billion still safe?
The funds remain legally yours, held in your name at the partner bank and fully segregated from Pluang's assets, regardless of size. The only difference above Rp2 billion is that the portion exceeding that threshold isn't covered by LPS deposit insurance if the bank itself fails — a scenario independent of Pluang's own operations.

Q: Is there a minimum balance I must maintain in my RDN?
No ongoing minimum balance is required. Your RDN can sit at zero for as long as you like between trades, with one exception: every withdrawal must leave at least Rp1 in the account rather than draining it to exactly zero.

Q: Does my RDN balance include the value of my stock holdings?
No. Your RDN balance shows only your available cash (IDR). The current value of the stocks you own is tracked separately in your securities portfolio and moves with market prices, unlike your RDN cash.

Q: Is there any fee for keeping a large or idle RDN balance?
No. Pluang does not charge an inactivity or balance-holding fee on the RDN, no matter how large or how long it sits idle. Whether that idle cash also earns yield instead depends on your RDN bank — Bank Jago pays 2% p.a., BCA pays 0%.