Why is my RDN balance in Pluang different from my bank app?
Your RDN balance in Pluang usually differs from your bank app because Indonesian stock trades settle two exchange days after they are matched (T+2): Pluang counts a buy or a sale straight away, while the money only moves in your RDN at settlement. 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). Other causes, such as open orders and e-Meterai, are in the table below.
| Symptom / Condition | Possible Cause | Solution |
|---|---|---|
| You bought stock in the last two exchange days, and your bank app shows more money than Pluang | The purchase is matched but not settled yet. Pluang has already taken it into account, and the money leaves your RDN at settlement (T+2) | Wait until two exchange days after the purchase. The two balances match once it settles |
| You sold stock in the last two exchange days, and Pluang shows more money than your bank app | The sale proceeds count toward what you can use to buy stocks straight away, but they reach your RDN at settlement (T+2) | Wait until two exchange days after the sale. You can withdraw the proceeds once they have settled |
| You have a buy order that is still open | Money for an open buy order is set aside in Pluang. For a Market order, the amount set aside is an estimate based on the day's upper price limit, and any unused part is returned once the order is matched | Wait for the order to be matched or to expire, or cancel it. The money set aside is then released |
| Your RDN balance shows a minus, or Rp10,000 was taken from your RDN | On a day when your executed Indonesian stock transactions total more than Rp10,000,000, a Rp10,000 e-Meterai stamp duty applies. If your RDN cash wasn't enough at the time, it is taken when money next reaches your RDN | Check your transactions for that day. Read how e-Meterai works. If you can't explain a minus balance, contact Pluang Care |
| You just allocated money to your RDN or transferred to your RDN account number | An allocation usually shows within 10–30 minutes and can take longer after trading hours; a bank transfer depends on your sending bank | Wait a little and reopen your Balance page. Check why an RDN allocation hasn't arrived |
| It's between 23:00 and 04:00 WIB and Pluang shows no RDN balance | The RDN has a daily downtime when its balance can't be shown in the app | Check again after 04:00 WIB |
If the issue persists:
If the two balances still differ after your trades have settled and you have no open orders, contact Pluang Care through live chat in the app, email tanya@pluang.com or the call center at (021) 8063 0065 (Monday–Friday, 09:00–18:00 WIB). Include a screenshot of both balances and the dates of your recent transactions.
Related questions
Q: Which balance is correct, Pluang or my bank app?
Both are. Your bank app shows the cash in your RDN right now, while Pluang also counts trades that haven't settled yet and money set aside for open orders. They match once everything settles.
Q: When can I withdraw money from a stock sale?
After the sale settles, two exchange days after it is matched (T+2). Until then you can use the proceeds to buy other Indonesian stocks, but you can't withdraw them.
Q: Why was Rp10,000 taken from my RDN?
That is e-Meterai, a government stamp duty charged on a day when your executed Indonesian stock transactions total more than Rp10,000,000. It applies once per day, not per transaction.
Last updated: 12 November 2026