The following fees and limits apply for Luno accounts verified in Indonesia.
Deposits and withdrawals
|
Method |
Fee |
|
Instant bank transfer |
Rp 0* |
|
GoPay e-Wallet |
2% |
* A standard inter-bank transfer fee may apply when transferring from a non-Permata Bank.
Limits
Instant bank transfer: The minimum deposit amount is Rp10,000 and the maximum deposit amount is Rp 999,995,599.
GoPay e-Wallet: The minimum limit is Rp10,000 and the maximum is the total balance in your GoPay wallet.
Tip
Learn more about making bank transfers or depositing with GoPay.
|
Method |
Fee |
|
Bank Transfer |
Rp 15,000 |
You can find out what verification level you’re on by going to your Profile and selecting Settings. Under Verification, you’ll see Level 1, Level 2, or Fully verified.
The following deposit and withdrawal limits apply for each verification level:
|
Level 2 |
Fully verified |
|
Deposits per month: |
No limits |
Tip
If you need to upgrade your verification level, go to Profile, Settings, then select Verification. Follow the prompts from there.
Buying and selling crypto
These fees and limits apply when you buy or sell crypto from the Porfolio screen.
They do not apply to transactions on the Luno Exchange.
Fees
|
Transaction type |
Fee |
Tax |
|
Buying crypto |
0%* |
0.11% VAT |
|
Selling crypto |
0%* |
0.10% FIT |
*We don't charge a transaction fee, but like other crypto exchanges, we include a profit margin in the quoted price. This margin also covers a CFX Fee of 0.0222%.
Limits
These limits are applied per transaction. There is no limit on the number of transactions you can make.
| Currency | Minimum - Maximum Limits |
| IDR | Rp 15,000 - Rp 120,000,000 |
| AAVE | AAVE 0.001 - AAVE 45.00 |
| ADA | ADA 0.10 - ADA 32,500 |
| ALGO | ALGO 20.00 - ALGO 40,000 |
| ANKR | ANKR 65.00 - ANKR 600,000 |
| APE | APE 2.50 - APE 15,000 |
| ARB | ARB 3.50 - ARB 25,000 |
| ATOM | ATOM 0.25 - ATOM 2,000 |
| AVAX | AVAX 0.05 - AVAX 400 |
| AXS | AXS 0.05 - AXS 3,000 |
| BCH | BCH 0.001 - BCH 25.00 |
| BERA | BERA 0.20 - BERA 3,000 |
| BTC | BTC 0.000025 - BTC 1.00 |
| CRV | CRV 10.00 - CRV 15,000 |
| DOGE | DOGE 0.20 - DOGE 40,000 |
| DOT | DOT 0.30 - DOT 2,000 |
| ENS | ENS 0.05 - ENS 400 |
| ETH | ETH 0.001 - ETH 50 |
| FET | FET 2.50 - FET 25,000 |
| GRT | GRT 10.00 - GRT 80,000 |
| HBAR | HBAR 20.00 - HBAR 50,000 |
| HNT | HNT 20.00 - HNT 3,800 |
| IMX | IMX 2.00 - IMX 15,000 |
| INJ | INJ 0.10 - INJ 800 |
| JUP | JUP 1.50 - JUP 20,000 |
| LDO | LDO 1.50 - LDO 15,000 |
| LINK | LINK 0.05 - LINK 1,600 |
| LRC | LRC 12.00 - LRC 120,000 |
| LTC | LTC 0.001 - LTC 100 |
| MATIC | MATIC 1.00 - MATIC 40,000 |
| MKR | MKR 0.001 - MKR 5.00 |
| NEAR | NEAR 0.01 - NEAR 3,500 |
| ONDO | ONDO 1.00 - ONDO 10,000 |
| OP | OP 1.50 - OP 12,500 |
| PAXG | PAXG 0.0003 - PAXG 3.00 |
| PYTH | PYTH 5.00 - PYTH 60,000 |
| PYUSD | PYUSD 1.00 - PYUSD 10,000 |
| RENDER | RENDER 0.0005 - RENDER 2,000 |
| S | S 2.00 - S 15,000 |
| SAND | SAND 0.20 - SAND 30,000 |
| SNX | SNX 1.00 - SNX 12,500 |
| SOL | SOL 0.05 - SOL 200 |
| STRK | STRK 8.00 - STRK 80,000 |
| TAO | TAO 0.10 - TAO 25 |
| TIA | TIA 0.25 - TIA 3,500 |
| TRX | TRX 20.00 - TRX 35,000 |
| UNI | UNI 0.10 - UNI 1,500 |
| USDC | USDC 1.00 - USDC 50,000 |
| USDT | USDT 1.00 - USDT 50,000 |
| XLM | XLM 20.00 - XLM 35,000 |
| XRP | XRP 0.10 - XRP 40,000 |
| ZRO | ZRO 0.40 - ZRO 4,000 |
The fee you pay when buying or selling crypto on the Luno Exchange depends on whether you’re placing a taker order or a maker order.
A taker order is an order that trades at market price. A maker order trades at a limited price.
Starting on 26 November 2024, Luno will implement new exchange fees. A comparison of the old and new exchange fees can be seen below.
Old fees
|
Taker fee |
Maker Fee |
|
0,21% |
0% |
New fees
|
Taker fee |
Maker Fee |
|
0,27% |
0,17% |
The fee includes Value Added Tax (VAT) of 0.11% for buying and Final Income tax (FIT) of 0.1% for selling, plus a 0.02% fee that goes to CFX.
Tip
Learn more about crypto trading fees on the Luno Exchange.
When placing an order on the Luno Exchange, each currency pair (or market) has minimum and maximum volumes and prices you can set.
Volume refers to the size of the order you can place, applicable to all order types.
Price refers to the range within which you can specify the price for an order. It does not apply to market orders, which are automatically set at the current market price.
|
Market |
Volume |
Price |
| ADA/IDR |
ADA 0.10 - ADA 100,000 |
Rp100 - Rp500,000 |
| ATOM/IDR |
ATOM 0.10 - ATOM 1000 |
Rp1000 - Rp10,000,000 |
| AVAX/IDR |
AVAX 0.001 - AVAX 1000 |
Rp10,000 - Rp10,000,000 |
| BTC/IDR |
BTC 0.0002 - BTC 60 |
Rp10 - Rp10,000,000,000 |
| DOT/IDR |
DOT 0.10 - DOT 1000 |
Rp1000 - Rp10,000,000 |
| ETH/IDR |
ETH 0.001 - ETH 400 |
Rp100,000 - Rp200,000,000 |
| MATIC/IDR |
MATIC 0.10 - MATIC 100,000 |
Rp100 - Rp500,000 |
| SOL/IDR |
SOL 0.001 - SOL 1000 |
Rp10,000 - Rp20,000,000 |
| USDT/IDR |
USDT 0.10 - USDT 100,000 |
Rp100 - Rp500,000 |
Bundles
The Luno Large Cap bundle is a collection of some of the largest cryptocurrencies. It automatically rebalances once per quarter to reflect market changes. Here are the fees and limits involved:
Fees
|
Fee type |
Fee |
|
Bundle buy fee |
1% |
|
Bundle sell fee |
1% |
|
Bundle rebalancing fee |
2% per annum (charged quarterly) |
Note
When you sell your bundle, the sell fee is combined with the pro rata rebalancing fee. In other words, you’ll pay 1% of the amount being sold, plus whatever portion of the 2% rebalancing fee has accrued by the time you sell.
Limits
|
Transaction |
Limit per transaction |
|
Buying or topping up your bundle |
Rp 100,000 - Rp 120,000,000 |
|
Selling your bundle |
Rp 100,000 - Rp 120,000,000 |
* If you’re selling your whole bundle, there is no minimum (you’re able to sell it even if your bundle balance is less than Rp 100,000).
Tip
Learn more about investing in a bundle and bundle fees.
Sending and receiving crypto
Luno charges a dynamic fee for crypto sends.
-
The only exception to this is XRP, which has a fixed 0.14% send fee.
The fee includes VAT of 0.11%.
You’ll always see the exact fee amount before confirming you want to proceed with the transaction.
Dynamic fee explanation
-
Blockchain fees, which are not controlled by Luno, increase and decrease depending on how much demand there is on that blockchain.
-
Your dynamic send fee is calculated based on the up-to-date blockchain fee, plus Luno’s operational costs for processing your transaction.
-
During periods of high demand, when the blockchain fee increases, the fee you pay for sending crypto increases as well. If the fee were too low, your transaction could become delayed – or even stuck indefinitely – while the blockchain’s nodes validate all the other transactions that paid them more.
Tip
Follow these links to learn more:
Luno may limit the amount of cryptocurrency you can send during 24-hour and 30-day rolling periods.
These limits form part of our anti-financial crime measures, and they are in line with best practices in the industry.
Note
Send limits are tailored and dynamic in nature. The table below shows the general bandwidths of limits, which are based on your identity verification level. Your actual send limit may be different.
|
24-hour limit |
30-day limit |
|
Level 2 Maximum of USD 12,000
Level 3 Maximum of USD 120,000 |
Level 2 Maximum of USD 60,000
Level 3 Maximum of USD 600,000 |
US dollar amounts are converted to the equivalent crypto that you’ve selected.
Tip
Learn more about crypto send limits.
It's free to receive cryptocurrency, with one exception:
-
We charge a nominal fee if you receive “dust” – a tiny amount of crypto, usually much lower than minimum buy or sell amounts
-
This fee combats dusting attacks, where attackers send small amounts to many wallet addresses in an attempt to de-anonymise them
Tip
Here are some things you need to know about receiving crypto.
Supported cryptocurrencies
The following coins are available to Luno customers verified in Indonesia: