Can I Buy Mutual Funds with GoPay on Pluang? What Payment Methods Are There?

Yes, you can buy mutual funds with GoPay on Pluang for purchases below Rp100,000,000, and for these amounts you can also pay with Virtual Account; as of September 2026, purchases of Rp100,000,000 and above are paid by Bank Transfer. Pluang charges an admin fee on GoPay and Virtual Account payments: Rp4,500 per transaction for GoPay and Rp5,500 per transaction for Virtual Account, and 11% VAT is charged on that admin fee. Separately, your bank may charge an interbank transfer fee on a mutual fund purchase or sale if your bank account is at a different bank from the custodian bank of the fund. When you pay also matters: a transaction made between 00:00 and 12:59 WIB on an exchange trading day gets the price of that payment day, while a transaction made between 13:00 and 23:59 WIB gets the price of the next exchange trading day.

• Admin fee (in effect since 15 May 2025): Rp4,500 per transaction for GoPay and Rp5,500 per transaction for Virtual Account. 11% VAT is also charged on the admin fee.
• Interbank transfer fee: Charged by your bank, not by Pluang. It may apply to a mutual fund purchase or sale if your bank account is at a different bank from the fund's custodian bank.
• Pricing: Transactions from 00:00 to 12:59 WIB get the price per unit of the payment day (on exchange trading days). Transactions from 13:00 to 23:59 WIB get the H+1 price, on the next exchange trading day.
• Before you pay: You need to complete Indonesian Asset Verification. Mutual funds are bought in the Pluang app only, not on Web Trading. Step-by-step guide: "Langkah-langkah pembelian Reksa Dana di Pluang".

Related questions:

Q: How much is the admin fee to buy mutual funds with GoPay or Virtual Account?
As of September 2026, Pluang charges an admin fee of Rp4,500 per transaction for GoPay and Rp5,500 per transaction for Virtual Account on mutual fund purchases, a fee in effect since 15 May 2025. 11% VAT is also charged on that admin fee. Apart from this, Pluang charges no additional fees on mutual fund investments.

Q: How do I pay for a mutual fund with Virtual Account?
On the fund's page, tap "Beli" and choose a Virtual Account, such as Mandiri Virtual Account, as the payment method. Tick the statement confirming you understand the risks of the product, and you will get a Virtual Account number. Copy the number and the total purchase amount, and transfer it within 24 hours of choosing the payment method, following the guide "Langkah-langkah pembelian Reksa Dana di Pluang". Once paid, a mutual fund purchase cannot be cancelled, because each transaction is verified by the Pluang team straight away and then processed by the custodian bank, so check the fund and the amount carefully before you pay.

Q: Which payment method do I use for a mutual fund purchase of exactly Rp100,000,000?
Bank Transfer. As of September 2026, Bank Transfer is the payment method for mutual fund purchases of Rp100,000,000 and above, so a purchase of exactly Rp100,000,000 falls in that group. GoPay and Virtual Account are the payment methods for purchases below Rp100,000,000.

Q: Why might I be charged an interbank transfer fee on a mutual fund transaction?
Because your bank account is at a different bank from the custodian bank of the mutual fund you are buying or selling. Each mutual fund has its own custodian bank, which stores the fund's assets on investors' behalf. This interbank transfer fee is charged by the bank, not by Pluang, and it may apply to both purchases and sales.

Q: Does the time I pay affect the price I get?
Yes. On an exchange trading day, a transaction made between 00:00 and 12:59 WIB gets the NAB of that payment day, and a transaction made between 13:00 and 23:59 WIB gets the NAB of the next exchange trading day. The NAB is updated at the end of each trading day, between 21:00 and 24:00 WIB.