I was being informed about the monthly free transaction fee being cancelled, is that true?
The monthly free transaction fees from Jenius is still available.
Starting from 1 July 2024, customer can enjoy unlimited interbank free transfer fee, using BI-FAST transfer method which selected automatically by Jenius app system.
For the monthly quota of free cash withdrawal fee is being adjusted to the average balance in your previous month.
How does the new free cash withdrawal apply?
At the beginning of each month, Jenius will provide a quota of free cash withdrawal at Bersama/Prima ATMs based on customer’s average balance that is being calculated from the Total Balance in the previous month with the following conditions:
– If customer’s average balance in the previous month is under IDR1,000,000 (Basic level), customer will get 2x free of charge for cash withdrawals at ATM Prima/Bersama.
– If customer’s average balance in the previous month is between IDR1,000,000 and IDR9,999,999 (Smart level), customer will get 5x free of charge for cash withdrawals at ATM Prima/Bersama.
– If customer’s average balance in the previous month is equal to or above IDR10,000,000 (Jenius level), customer will get 25x free of charge for cash withdrawals at ATM Prima/Bersama.
Starting from 1 July 2024, customer can also enjoy unlimited interbank free transfer fee, using BI-FAST transfer method which selected automatically by Jenius app system.
If my average balance in September is above IDR10,000,000, will I still get the 25x free transfer fees and 25x free cash withdrawal in October?
Yes. If your average balance is always above IDR10,000,000 every month, you will get 25x free transfer fees and 25x free cash withdrawals at ATMs every month.
Will my quota be reset every month?
Yes. The quota of free transaction fees that is based on the average balance of the previous month will be informed on the first day of every month.
What does the average monthly balance mean?
The monthly average balance is the sum of your Total Daily Balance in a month and divided by the number of days in that month.
Is the balance that will be calculated only the fund in the main account (Active Balance) or all funds including Dream Saver, Flexi Saver, and Maxi Saver?
The balance that will be calculated is the Total Balance of your Jenius account, including the funds in Dream Saver, Flexi Saver, Maxi Saver, and Jenius Debit Cards.
How can I find out my average balance every month?
You can find it on Awards menu inside your Jenius app. The new quota will always be updated on the first day (at 1st) of every month.
Bonus is a free transaction fee that you will get because of your activeness when using Jenius (will be determined later). Currently the Bonus will be given to new customers who register starting November 1, 2018.
What does the level (Basic, Smart, Jenius) in Awards menu mean?
The levels in the Awards menu refer to the tiering that will be determine by the customer’s average balance for the month.
1. Basic refers to the average balance level below Rp1,000,000.
2. Smart refers to the average balance rate of Rp1,000,000 – Rp9,999,999.
3. Jenius refers to the average balance level of IDR 10,000,000 or more than IDR 10,000,000.
I just registered a Jenius account and don’t have a balance in it. Will I still be able to enjoy free transaction fees from Jenius?
If you have just registered a Jenius account, you will get unlimited free transfer fee using BI-FAST method which automatically selected by system. Moreover, you will get 2 quotas for free ATM cash withdrawal that available until the end of month of your completed registration.
What does it mean with “available until the end of month of the completed registration”?
After the registration process completed, you will get 2 quotas for free Bersama/Prima ATMs cash withdrawal. The 2 quotas will be available from the day of the month when your registration completed, until the last day of that month.
For example:
– If you completed your Jenius account registration on 1 November, then your 2 quotas for free ATM cash withdrawal will be available until 31 November.
– And If you completed your Jenius account registration on 25 November, then your 2 quotas for free ATM cash withdrawal will be available until 31 November.
If I have just activated my Jenius account 1 month after the registration process, will I still get the free transaction fees?
No. Free transaction fees are calculated for one month after registration. If you have just activated one month after registration, you will lose the opportunity to enjoy free transaction fees up to the initial one month. But, you can still enjoy free transaction fees even though your average monthly balance is IDR0.
If I have just activated my Jenius account 1 month after the registration process, will I still get the free cash withdrawal fee?
No. Free Bersama/Prima ATM cash withdrawal is calculated for one month after registration. If you have just activated one month after registration, you will lose the opportunity to enjoy free Bersama/Prima ATM cash withdrawal. However, you can still enjoy free transaction fees based on your Awards quota.
If I don’t have free transaction quotas anymore, can I still make a money transfer to other banks and/or withdraw cash at ATM Prima/Bersama?
Yes. You can still make a transfer and/or withdraw cash but you will be charged a transaction fee.
Which transactions will reduce my free transaction quota?
The type of transaction that will reduce the free transaction quota is:
1. Transfer to other banks through Jenius app:
a) Transfer via Send It menu
b) Credit card payment through Send It – Biller menu
c) Top up e-Wallet balance via e-Wallet Center
2. Cash withdrawal at any ATMs using Jenius Debit Cards (m-Card and x-Cards):
a) Prima Network
b) Bersama Network
How much is the transaction fee that will charged to me?
The transfer fee between banks via the application is IDR2,500 via BI-FAST and the fee for interbank transfers via an ATM machine is IDR6,500. Meanwhile, the cash withdrawal fee at ATM Prima/Bersama is IDR7,500 per transaction.
If I transfer to another bank or withdraw cash by using BTPN/Jenius ATMs, will I still be charged with a transaction fee?
If you transfer to another bank by using BTPN/Jenius ATMs you will be charged IDR6,500 per transaction, but if you withdraw cash using BTPN/Jenius ATMs you will not be charged with any fees.
Where can I find the location of BTPN/Jenius ATMs?
BTPN/Jenius ATMs can be found in many locations, you can see the location here https://www.jenius.com/locations/ or through the Jenius app in the Find Us menu.
I still have quotas on free cash withdrawal at any ATMs and I use additional Jenius Debit Card (x-Card) to withdraw cash. Will that reduce my quota?
Yes, cash withdrawal with x-Card will reduce your quota. Any transactions made with m-Card or x-Cards/Special Card will reduce your monthly free quota.
I still have more quota on free cash withdrawal, but why am I still being charged with IDR4,000?
If you check your balance at ATM Prima/Bersama, you will still be charged with IDR4,000 for a balance checking fee.
If after that you proceed with a cash withdrawal, you won’t be charged of any fee because you still have the free quota. That’s why, make sure to only check your balance through your Jenius app.
If I make a transfer for credit card bill payment, will it reduce my free transfer fee quota too?
Yes. If you transfer to another bank to pay your credit card bill, that will reduce your free transfer quota too.
I did not get the free transactions fee this month because my average balance was below the terms (under IDR1,000,000), but on my Awards menu there is still a free transaction bonus quota. Can I use the bonus quota?
Yes. All quotas in your Awards menu for that month can be used even though your average balance is below IDR1,000,000.
I have a Flexi Cash balance that I have not withdrawn to Active Balance, will my Flexi Cash balance be calculated into my average balance?
No. Your balance on the Flexi Cash menu that you have not withdrawn to the Active Balance will not be calculated into the average balance of your Jenius account.
I make a withdrawal on my Flexi Cash to Active Balance, will the balance that has been withdrawn to the Active Balance be calculated into the average balance of my Jenius account?
Yes. If you have withdrawn funds from the Flexi Cash to the Active Balance, the funds will be calculated into the average balance of your Jenius account.
If I don’t have free transaction quotas anymore, can I still make a money transfer to other banks and/or withdraw cash at ATM Prima/Bersama?
Yes. You can still make a transfer and/or withdraw cash but you will be charged a transaction fee.
Which transactions will reduce my free transaction quota?
The type of transaction that will reduce the free transaction quota is:
1. Transfer to other banks through Jenius app:
a) Transfer via Send It menu, using BI-FAST transfer method
2. Cash withdrawal at any ATMs using Jenius Debit Cards (m-Card and x-Cards):
a) Prima Network
b) Bersama Network
How much is the transaction fee that will charged to me?
Starting from 1 July 2024, there will be no transfer fee when using BI-FAST transfer method. A transfer fee is applicable only for these methods:
– Online transfer (RTOL) method: IDR 5,000
– SKN transfer method: IDR 2,900
– RTGS transfer method: IDR 25,000
For ATM cash withdrawal at Prima/Bersama ATMs, you will be charged IDR7,500 per transaction.
If I transfer to another bank or withdraw cash by using BTPN/Jenius ATMs, will I still be charged with a transaction fee?
If you transfer to another bank by using BTPN/Jenius ATMs you will be charged IDR6,500 per transaction, but if you withdraw cash using BTPN/Jenius ATMs you will not be charged with any fees.
Where can I find the location of BTPN/Jenius ATMs?
BTPN/Jenius ATMs can be found in many locations, you can see the location here https://www.jenius.com/locations/ or through the Jenius app in the Find Us menu.
I still have quotas on free cash withdrawal at any ATMs and I use additional Jenius Debit Card (x-Card) to withdraw cash. Will that reduce my quota?
Yes, cash withdrawal with x-Card will reduce your quota. Any transactions made with m-Card or x-Cards/Special Card will reduce your monthly free quota.
I still have more quota on free cash withdrawal, but why am I still being charged with IDR4,000?
If you check your balance at ATM Prima/Bersama, you will still be charged with IDR4,000 for a balance checking fee.
If after that you proceed with a cash withdrawal, you won’t be charged of any fee because you still have the free quota. That’s why, make sure to only check your balance through your Jenius app.
If I make a transfer for credit card bill payment, will it reduce my free transfer fee quota too?
Starting from 1 July 2024, the free transfer fee will no longer applicable for credit card or other bill payments. The free transfer fee will be applied only for interbank transfers using BI-FAST transfer method.
I did not get the free transactions fee this month because my average balance was below the terms (under IDR1,000,000), but on my Awards menu there is still a free transaction bonus quota. Can I use the bonus quota?
Yes. All quotas in your Awards menu for that month can be used even though your average balance is below IDR1,000,000.
I have a Flexi Cash balance that I have not withdrawn to Active Balance, will my Flexi Cash balance be calculated into my average balance?
No. Your balance on the Flexi Cash menu that you have not withdrawn to the Active Balance will not be calculated into the average balance of your Jenius account.
I make a withdrawal on my Flexi Cash to Active Balance, will the balance that has been withdrawn to the Active Balance be calculated into the average balance of my Jenius account?
Yes. If you have withdrawn funds from the Flexi Cash to the Active Balance, the funds will be calculated into the average balance of your Jenius account.
How can I use BI-FAST as transfer method?
Jenius app will automatically choose BI-FAST as a method for interbank transfer, as long as the receipient bank is one of BI-FAST members, so you can easily enjoy unlimited free transfer.
Does BI-FAST unlimited free transfer fee applicable for all users?
Yes. Starting from 1 July 2024, the interbank unlimited free transfer fee is applicable for all Jenius users in all Awards levels, including new user that has successfully registered Jenius account.
Does unlimited free transfer fee only applicable for BI-FAST transfer method?
Yes. The unlimited transfer fee is only applicable for BI-FAST transfer method. Transfer fees will be charged for other transfer methods and e-wallet top up. Check the lattest fees here. (link ke rates & limits): https://www.jenius.com/rates-and-limits
