What is the maximum balance allowed in my RDN on Pluang?
There is no specific maximum RDN balance set by Pluang for standard stock investing. However, for very large balances or transactions, the RDN partner bank's terms and PPATK (Indonesia's financial intelligence unit) reporting requirements for large transactions still apply.
What you should know about RDN balances
- No upper balance limit for retail investors in general
- Cash transactions above Rp500 million in a single day may trigger mandatory reporting to PPATK
- LPS (Deposit Insurance) protection applies up to Rp2 billion per depositor per bank — balances above this threshold are not covered by LPS
- Pluang does not apply any specific RDN balance cap. There is no upper limit set by Pluang on how much cash you can hold in your RDN.
Related questions:
Q: Is an RDN balance above Rp2 billion still safe?
Balances above Rp2 billion are not covered by LPS. However, the funds remain in your name at the partner bank and are segregated from Pluang's assets.
Q: Is there a minimum RDN balance I must maintain?
No. There is no minimum balance requirement in your RDN. The balance can be zero if you have no active stock positions.
Q: Does my RDN balance include the value of my stock holdings?
No. Your RDN balance only reflects available cash (IDR). The value of your stock holdings is shown separately as your securities portfolio.
Q: How long can my RDN balance sit at zero?
As long as you like. There is no time limit and no inactivity fee for a zero RDN balance.