What is the minimum and maximum RDN withdrawal amount on Pluang?
The minimum RDN withdrawal amount on Pluang is Rp10,000. Every withdrawal must leave at least Rp1 in the RDN — this applies whether your RDN is at BCA or Bank Jago — and the app will block any request that would bring the balance to exactly zero. If your RDN is at Bank Jago, withdrawals to an account at another bank are capped at Rp1,000,000,000 per day in total, counting every such withdrawal that day; to withdraw more, withdraw the rest the next day. Withdrawals to a Bank Jago account have no daily cap. Pluang itself does not charge a withdrawal fee, though whether you keep 100% of the amount depends on the destination bank: withdrawing to an account at your same RDN host bank is free, while withdrawing to a different bank incurs a flat Rp2,900 interbank transfer fee per transaction. The minimum amount and the Rp1 rule apply to both RDN banks, and only settled funds — cash not already tied up in a pending buy order or still moving through T+2 settlement after a stock sale — count toward what you can actually withdraw. RDN withdrawals also can't be made between 23:00 and 04:00 WIB, during the RDN's daily downtime.
RDN withdrawal limits at a glance:
| Amount | |
|---|---|
| Minimum withdrawal | Rp10,000 |
| Maximum withdrawal | Bank Jago RDN to another bank: Rp1,000,000,000 per day in total (no daily cap to a Bank Jago account). Each withdrawal must also leave at least Rp1 in the RDN |
| Withdrawal hours | Not available 23:00–04:00 WIB daily (RDN daily downtime) |
| Minimum remaining balance after withdrawal | Rp1 (applies to both BCA and Bank Jago) |
| Pluang's own withdrawal fee | Rp0 (free) |
| Destination bank matches RDN host bank | Free — no interbank fee |
| Destination bank differs from RDN host bank | Rp2,900 per transaction (interbank transfer fee) |
What counts as "available" balance?
- Only settled funds can be withdrawn — stock sale proceeds follow T+2 settlement, so funds from a sell order become withdrawable 2 business days after the transaction date
- Funds actively held for a pending buy order are not available until that order is cancelled, expires, or executes
- Your RDN balance overview in the app shows both your total balance and the settled portion that's actually available to withdraw
Related questions:
Q: Can I withdraw my full RDN balance?
Not entirely — every withdrawal must leave at least Rp1 in the RDN so the account never hits exactly zero. Your effective maximum withdrawal is your settled balance minus Rp1. Any portion still going through T+2 settlement or held for a pending order also isn't withdrawable yet.
Q: Is there a daily withdrawal limit?
For an RDN at Bank Jago, withdrawals to another bank are capped at Rp1,000,000,000 per day, counting all those withdrawals that day together; withdrawals to a Bank Jago account have no daily cap. If you need to withdraw more, withdraw the rest the next day. Unusually large transactions may also be subject to standard Indonesian financial-reporting requirements that apply across all banks.
Q: Can I withdraw from my RDN at any time of day?
Not between 23:00 and 04:00 WIB. The RDN has a daily downtime in that window, so you can't see your RDN balance or make a withdrawal then. Your funds are not affected — try again after 04:00 WIB.
Q: Why does withdrawing to a different bank cost Rp2,900?
That fee only applies when your destination account is at a different bank from your RDN host bank — it's an interbank transfer fee, not a Pluang charge, since the funds have to leave your RDN bank's network. Withdrawing to an account at the same bank as your RDN is free.
Q: How long does it take for the withdrawal to reach my bank?
Typically 1–2 business days from when the withdrawal is submitted, regardless of whether it's a same-bank or interbank transfer, though same-bank transfers can sometimes settle faster.