What is the minimum and maximum RDN withdrawal amount on Pluang?
The minimum RDN withdrawal amount on Pluang is Rp10,000. There is no maximum withdrawal cap, but 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. 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. These limits apply uniformly regardless of your RDN bank, 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 at any given moment.
RDN withdrawal limits at a glance:
| Amount | |
|---|---|
| Minimum withdrawal | Rp10,000 |
| Maximum withdrawal | No cap — but each withdrawal must leave at least Rp1 in the RDN |
| 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- Only settled funds can be withdrawn — stock sale proceeds follow T+2 settlement, so funds from a sell order become withdrawable 2 business days after the transaction date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?
No, Pluang does not impose a daily cap on RDN withdrawals. That said, unusually large single-day transactions may still be subject to standard Indonesian financial-reporting requirements that apply across all banks, independent of any Pluang-specific limit.
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.