Which Wallet Does My Virtual Account (VA) Top-Up Land In?

Top-up via Virtual Account (VA) — from BCA, BRI, or Mandiri — always credits your IDR Crypto Funding (Saldo Crypto IDR) balance, never your IDR Cash Wallet (Dompet IDR), regardless of which VA bank you use. QRIS and GoPay top-ups work the same way and also credit IDR Crypto Funding. The only top-up method that credits IDR Cash Wallet directly is BCA Direct Transfer. This distinction matters in practice: IDR Crypto Funding can be withdrawn directly to your registered bank account, while IDR Cash Wallet cannot — it must first be transferred to IDR Crypto Funding (a free, separate step) before it can be cashed out. If you're topping up specifically to fund a purchase or a future withdrawal, check which balance that action actually draws from before choosing your top-up method, since VA won't put funds where a IDR Cash Wallet-only action expects them. If you want to use the funds to buy gold or convert to USD instead, you can simply move the balance from IDR Crypto Funding to IDR Cash Wallet first — that transfer is free.

• IDR Crypto Funding and IDR Cash Wallet are two separate balances — funds don't automatically move between them.
• A transfer from IDR Cash Wallet to IDR Crypto Funding is free, but it's a manual, separate step — it doesn't happen automatically just because you need to withdraw.
• RDN (used for Indonesian Stocks) is a third, fully separate balance and isn't affected by any of the above — RDN top-up goes directly to Bank Jago or BCA via bank transfer.

Related questions:

Q: I started my top-up from the IDR Cash Wallet screen and selected BCA, but the money still landed in IDR Crypto Funding — why?
Selecting "BCA" during top-up redirects you through BCA VA, not a plain BCA transfer to IDR Cash Wallet — and BCA VA always credits IDR Crypto Funding. The entry point you started from doesn't change where BCA VA deposits land. To top up IDR Cash Wallet specifically, use the dedicated BCA Direct Transfer flow instead of selecting BCA from within a VA-based top-up screen.

Q: Can I choose which wallet my Virtual Account top-up goes to?
No. VA top-up (from any supported bank) always credits IDR Crypto Funding — there's no in-app option to redirect it to IDR Cash Wallet instead. If you specifically need to fund IDR Cash Wallet, use BCA Direct Transfer, which is the only method that credits it directly.

Q: Does topping up via GoPay or QRIS work the same way as VA?
Yes. GoPay and QRIS top-ups credit IDR Crypto Funding, exactly like Virtual Account top-ups — none of Pluang's "digital" top-up methods (VA, GoPay, QRIS) credit IDR Cash Wallet. Only BCA Direct Transfer does.

Q: Which top-up method should I use if I specifically need to fund my IDR Cash Wallet?
Use BCA Direct Transfer — it's the only top-up method that credits IDR Cash Wallet directly. It's free with a minimum transfer of Rp500,000 per transaction. VA, GoPay, and QRIS will all credit IDR Crypto Funding instead, not IDR Cash Wallet.