What Happens to My USD Yield If My Pluang Plus Status Changes Mid-Month?

If your membership tier changes partway through the month — whether you become a Pluang Plus member or lose that status — Pluang splits the month into separate periods and calculates each one at the tier rate that actually applied during it, then adds the results together to produce that month's payout. You are not switched retroactively onto a single rate for the whole month, and you do not lose yield already accrued at the earlier rate. Take a user who is a Regular member from 1 to 14 November with an average balance of $1,000, then becomes a Pluang Plus member from 15 to 30 November with an average balance of $10,000. The first period earns $1,000 × (14 ÷ 360) × 0.63% = $0.25, and the second earns $10,000 × (17 ÷ 360) × 3.38% = $15.96. On 5 December the combined payout is $16.21.

• How it works: The month is split into separate periods; each is calculated at the tier rate that applied during that stretch.
• Then summed: The period amounts are added together to produce the single payout for that month.
• Not retroactive: You are not moved onto one rate for the whole month, in either direction.
• Nothing is lost: Yield already accrued at the earlier rate stays yours.
• Worked example — period 1: Regular, 1–14 November, $1,000 average balance: $1,000 × (14 ÷ 360) × 0.63% = $0.25.
• Worked example — period 2: Pluang Plus, 15–30 November, $10,000 average balance: $10,000 × (17 ÷ 360) × 3.38% = $15.96.
• Combined payout: $0.25 + $15.96 = $16.21, paid on 5 December. These figures are estimates and the amount credited may differ slightly.

Related questions:

Q: Can you show the calculation when I upgrade to Pluang Plus mid-month?
Say you are a Regular user from 1 to 14 November with a $1,000 average balance, then become a Pluang Plus member from 15 to 30 November with a $10,000 average balance. The first period earns $1,000 × (14 ÷ 360) × 0.63% = $0.25. The second earns $10,000 × (17 ÷ 360) × 3.38% = $15.96. Added together, $16.21 is paid on 5 December.

Q: What happens if I lose Pluang Plus status mid-month instead?
The same split-period logic applies in reverse. The days you spent as a Pluang Plus member are calculated at the Pluang Plus rate, and the days after the change are calculated at the Regular rate, with the two amounts added together for that month's payout. You keep the higher-rate yield already earned for the earlier stretch — losing the status does not reprice the whole month downward.

Q: Do I lose the yield I already accrued at my previous tier?
No. Each period is calculated at the rate that actually applied during it, so yield accrued before a tier change stays yours in full. That is true whether the change moved you up or down. The change affects only the days after it takes effect, and the month's total payout is simply the sum of the periods rather than a single recalculation at whichever rate you happen to hold on the payout date.

Q: When does the new tier rate start applying to my balance?
From the point the tier change takes effect, not from the start of the month and not from the next payout date. The days before the change continue to be calculated at the old rate, and the days from the change onward use the new one. Because Pluang builds each period from the same daily balance snapshots, the split follows the actual calendar days rather than an approximation.