Is There a Minimum or Maximum USD Balance or Yield on Pluang?

There is no minimum USD balance required to earn USD Yield, and there is no maximum either — every dollar of your withdrawable USD cash balance earns yield, whether you hold a small amount or a very large one. The only limit in the program sits on the payout side: Pluang only credits yield once the calculated amount for the month reaches at least $0.01. If the figure works out to $0.00987, for example, no yield is paid for that month, because USD balances are tracked to two decimal places. This works the same way for every account regardless of membership tier, so Regular and Pluang Plus users both earn on their full eligible balance; the tier only changes the annual rate applied.

• No minimum balance: Any withdrawable USD cash balance can start earning yield; there is no entry threshold.
• No maximum balance: There is no upper limit — yield is calculated on your full average balance, however large it is.
• Minimum payout: $0.01 — if the calculated yield for the month is below one cent, nothing is paid that month.
• Why the minimum exists: USD balances are tracked to two decimal places, so a figure like $0.00987 cannot be credited.
• Same for every tier: Regular and Pluang Plus users both earn on their full balance; only the annual rate differs.

Related questions:

Q: Is there a minimum balance I need before I can earn yield?
No. There is no minimum USD cash balance required to activate USD Yield or to start earning on it, so a small balance qualifies in exactly the same way a large one does. The only threshold in the program sits on the payout side rather than the balance side: yield is credited once the calculated monthly amount reaches at least $0.01. Below that, nothing is paid for the month.

Q: What happens if my calculated yield is less than one cent?
It is not paid for that month. USD balances are tracked to two decimal places, so a calculated figure of $0.00987, for example, cannot be credited and no yield appears for that month. Your balance keeps accruing normally afterwards, and in a later month with a larger balance or more participating days the calculated amount can cross the $0.01 threshold and be paid as usual.

Q: Is there a maximum balance that can earn USD Yield?
No. There is no maximum balance for earning USD Yield, so every dollar of your eligible average balance counts toward your monthly yield. Whether your average balance for the month is small or very large, yield is calculated on the full figure. The calculation still uses your average balance for the month rather than any single day's figure.

Q: Does my membership tier change how much of my balance earns yield?
No. Regular users and Pluang Plus members both earn yield on their full eligible balance, with no ceiling for either tier. Membership tier changes the annual rate applied to that balance, not the size of the balance that qualifies. A Pluang Plus member with a very large balance earns on all of it at the Pluang Plus rate, and a Regular user does the same at the Regular rate.