Why is the IDR value on my wallet page different from my portfolio?
The IDR value on your wallet page is different from your portfolio because the two convert your US dollars into Rupiah using different prices. The wallet page calculates the IDR value of your USD balance using the USD sell price — the rate that applies when you convert USD into Rupiah. The portfolio values your assets using the mid price, which sits halfway between the buy price and the sell price. Because the sell price is normally lower than the mid price, the wallet figure usually looks a little smaller than the portfolio figure, even though both describe exactly the same balance. Neither figure means money is missing: the wallet figure is closer to what you would receive if you converted right now, while the portfolio figure is a market reference used to track your performance. When you actually convert, the amount you receive also depends on the exchange rate at the moment you confirm and on the conversion fee, which as of September 2026 is 0.25% of the conversion value, plus 11% VAT on that fee.
Two prices for the same balance
| Page | Price used for USD → IDR | What the figure tells you |
|---|---|---|
| Wallet page | USD sell price | Close to what a conversion to Rupiah would give you right now |
| Portfolio | Mid price, between the buy and sell price | A neutral market value for tracking performance |
Worked example (illustrative rates)
You hold US$100. The USD sell price is Rp16,200 and the mid price is Rp16,250.
- Wallet page: US$100 × Rp16,200 = Rp1,620,000
- Portfolio: US$100 × Rp16,250 = Rp1,625,000
The Rp5,000 gap is the difference between the sell price and the mid price. Your balance is US$100 in both cases.
- The rate moves in real time. The USD–IDR rate follows the market, and its spread varies with volatility, volume and time of day, so both figures change through the day.
- Where the rate comes from. The exchange rate is set by Pluang's reference custodian bank, which is supervised by Bank Indonesia.
- You see the rate before you commit. The rate and the fee are shown in the app before you confirm a conversion.
Related questions:
Q: Which figure will I get if I convert my USD to Rupiah?
The wallet figure is the closer guide, because it already uses the USD sell price that applies to a USD-to-IDR conversion. It still isn't exact: the rate keeps moving until the moment you confirm, and the conversion fee of 0.25% of the conversion value, plus 11% VAT on that fee, is also applied. The app shows the rate and the fee before you confirm, so check that screen for the final amount you will receive.
Q: Why does the Rupiah value of my USD balance change when I haven't done anything?
Because the USD–IDR exchange rate moves continuously with the market. Your USD balance stays the same, but each dollar is worth a different number of Rupiah from one moment to the next, so both the wallet figure and the portfolio figure move with it. If you switch the portfolio view to USD, the currency effect disappears and your balance shows as an unchanged dollar amount.
Q: Is there a fee for converting between USD and Rupiah?
Yes. As of September 2026, conversions in both directions, IDR to USD and USD to IDR, carry a fee of 0.25% of the conversion value, plus 11% VAT on that fee, in effect since 15 May 2025. The exchange rate itself follows the real-time market and includes a spread that varies with volatility, volume and time. The minimum USD-to-IDR conversion is US$0.01, and the rate and fee are both shown before you confirm.
Q: Does the difference mean Pluang is using the wrong rate?
No. Each page uses the rate that fits its purpose. The wallet page uses the sell price because it describes the Rupiah value you could realise by converting, and the sell price is what applies to that conversion. The portfolio uses the mid price because it is a neutral reference for tracking how your holdings perform, without assuming a trade. The gap between them is the spread on the exchange rate, not a missing amount.