Is There a Fee for Top-Up via Virtual Account (VA) on Pluang?
Yes — as of 23 April 2026, VA top-ups on Pluang carry a fee based on the transaction amount: Rp4,995 total for top-ups under Rp2,000,000, or Rp1,665 total for top-ups of Rp2,000,000 or more. This total is the base fee (Rp4,500 or Rp1,500) plus 11% VAT (PPN), which is added on top rather than already included in the base figure — confirmed 2026-08-06. This fee applies uniformly across all supported VA banks (BCA, BRI, and Mandiri) — there's no difference in fee between banks. This is separate from the Rp10,000 minimum top-up amount: the minimum determines whether your top-up goes through at all, while the fee is calculated afterward based on which amount bracket your transaction falls into. VA top-ups credit your IDR Crypto Funding balance, and the fee is deducted from the transferred amount by Pluang, not added on top by your bank.
| Top-up amount | Base fee | + 11% VAT | Total charged |
|---|---|---|---|
| Below Rp2,000,000 | Rp4,500 | Rp495 | Rp4,995 |
| Rp2,000,000 or more | Rp1,500 | Rp165 | Rp1,665 |
- The fee is charged once per top-up transaction, not per day or per month.
- QRIS and GoPay top-ups use their own separate, percentage-based fee structures — different from VA's flat-amount fee.
- BCA Direct Transfer has no fee at all, but it credits IDR Cash Wallet instead of IDR Crypto Funding — a different balance from VA top-ups.
Related questions:
Q: Why is the fee lower for bigger top-ups?
Pluang's VA fee structure rewards larger transactions: top-ups of Rp2,000,000 or more pay a flat Rp1,665 total (incl. VAT), compared to Rp4,995 total for anything below that amount. The fee doesn't scale with the top-up size beyond that threshold — it's always one of these two flat totals.
Q: Is the VA fee the same for BCA, BRI, and Mandiri?
Yes. The Rp4,995 / Rp1,665 total fee structure applies uniformly across all three supported VA banks — there's no bank-specific pricing difference for VA top-ups on Pluang.
Q: Is the Rp4,500/Rp1,500 figure the final amount I'm charged, or is tax added on top?
Tax is added on top. Rp4,500 and Rp1,500 are the base fees before 11% VAT — the actual amount deducted is Rp4,995 and Rp1,665 respectively.
Q: Does the fee apply if I top up via QRIS or GoPay instead of VA?
No. QRIS charges 0.7% of the transferred amount and GoPay charges 1.5%, both distinct from VA's flat Rp4,500/Rp1,500 fee. Neither is a flat amount like VA's — they scale with your top-up size instead.
Q: Is there a way to avoid the VA top-up fee entirely?
Yes — use BCA Direct Transfer instead, which has no fee at all (minimum Rp500,000 per transaction). Note that it credits IDR Cash Wallet, not IDR Crypto Funding, so confirm which balance you actually need before switching methods.