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About Foreign Currency

What is Foreign Currency?

Additional foreign currencies to help you make various international transactions on 1 app.

Why should I have Foreign Currency on Jenius?

– Various foreign currencies are available automatically.
– Competitive currency exchange rates.
– Simple activation without additional documents.
– Affordable deposits.
– Savings with 2% p.a. interest (USD only).
– Easily link to m-Card.
– Can send/receive foreign currency to Jenius and other banks.

What are the benefits of Foreign Currency?

With Foreign Currency, you can do various international transactions (buy, save, sell, send, and receive foreign currencies) on 1 app.

You can also link the currency to your m-Card for cash withdrawals and transactions (including online transactions).

Who can use Foreign Currency?

Foreign Currency is available for all Jenius users.

Is Foreign Currency automatically available?

The 7 (seven) foreign currencies in Foreign Currency feature are available automatically, but you need to activate them before using.

What Foreign Currencies are available on Jenius?

Foreign Currency feature on Jenius app offers USD (United States dollar), SGD (Singapore dollar), AUD (Australian dollar), HKD (Hong Kong dollar), GBP (British pound sterling). JPY (Japanese yen), and EUR (Euro).

Where to find Foreign Currency on Jenius app?

– On Home page, above Active Balance.
– On Wealth page, go to Cash menu.

How to activate Foreign Currency on Jenius?

– On Home page of Jenius app, tap the + sign above Active Balance box.
– Choose foreign currency you want to activate.
– Choose activation purpose from the available options (saving/investment, business transactions, or personal transactions).
– Input the amount of your first balance (make sure you leave at least 3% from the Active Balance), then choose Continue.
– Make sure your personal data is up to date, agree to the Terms & Conditions, then choose Activate XXX (note: the words on the activation button follow the currency to be activated).
– Enter Jenius password, then choose Submit.
– You have successfully activated Foreign Currency.

You can also activate Foreign Currency by accessing these two pages.
– From Wealth page, go to Cash menu, then tap Activate foreign currency.
– From Mobius Button, tap Move Balance, tap the down arrow on To, then tap Activate foreign currency.

How much is the first balance amount to activate Foreign Currency on Jenius?

The first balance to activate Foreign Currency is affordable, starting from 10 USD, 10 SGD, 10 AUD, 10 EUR, 10 GBP, 100 HKD, and 1,000 JPY.

Are there any activation fees for Foreign Currency on Jenius?

No. You just have to make sure your first balance meets the minimum requirement.

Is there operating hours to activate Foreign Currency on Jenius?

Yes. You can activate Foreign Currency on Jenius app every day at 09.00 – 15.00 WIB, including on national holidays.

Do I have to activate all Foreign Currencies on Jenius?

The choice is yours. You can choose to activate just one, two, or even all of them.

Can I get a simulation of the Foreign Currency exchange rates before activating?

Yes. You can see today’s exchange rates and get an exchange rate simulation before transacting by following these steps.

– Log in to Jenius app, then choose Profile on the bottom navigation.
– Choose Jenius Help.
– Choose Exchange Rate & Simulation.
– See today’s exchange rates on the list provided, or scroll down and enter the amount to get an exchange rate simulation.

How to buy Foreign Currency on Jenius?

There is three access to buy Foreign Currency on Jenius app.
– On Home page, above the Active Balance.
– On Wealth page, go to Cash menu.
– On Mobius Button, choose Move Balance.

For your information, you can only buy Foreign Currency using IDR Active Balance.

How to buy Foreign Currency from Home page?

– Above the Active Balance, choose Foreign Currency you want to buy.
– Choose Buy.
– Input the amount you want to buy (make sure you leave at least 3% from the Active Balance), then choose Next.
– Agree to the statements on the confirmation page, then choose Buy.
– You’ve successfully purchased Foreign Currency!

How to buy Foreign Currency from Wealth page?

– On the bottom navigation, choose Wealth.
– Go to Cash menu, scroll down to Active Balance then choose Foreign Currency you want to buy.
– Choose Buy.
– Input the amount you want to buy (make sure you leave at least 3% of the Active Balance), then choose Next.
– Agree to the statements on the confirmation page, then choose Buy.
– You’ve successfully purchased Foreign Currency!

How to buy Foreign Currency from Mobius Button?

– Tap Mobius Button.
– Choose Move Balance.
– On the To field, tap the down arrow, then choose the foreign currency you want.
– Input the amount you want to buy, then choose Move Balance.
– Agree to the statements on the confirmation page, then choose Buy.
– You’ve successfully purchased Foreign Currency!

Is there a minimum amount to buy Foreign Currency on Jenius?

You can buy Foreign Currency on Jenius app starting from 1 USD, 1 SGD, 1 AUD, 1 EUR, 1 GBP, 1 HKD, and 1 JPY.

Is there a maximum amount to buy Foreign Currency on Jenius?

You can buy Foreign Currency up to accumulated USD90,000 for a total of all currencies every month.

Are there any transaction fees when buying Foreign Currency on Jenius?

No.

Is there operating hours to buy Foreign Currency on Jenius?

Yes. You can buy Foreign Currency on Jenius app every day at 09.00 – 15.00 WIB, including on national holidays.

Are there other sources of funds to buy Foreign Currency on Jenius other than using IDR Active Balance?

No. You can only use IDR Active Balance to buy Foreign Currency.

Which exchange rate will be charged to me when I buy foreign currency on Jenius?

Jenius exchange rates.

Can I save in Foreign Currency?

Yes. As mentioned in activation purpose saving/investment, you can use Foreign Currency for saving purpose.

How to save in Foreign Currency on Jenius?

You just have to open Foreign Currency feature, activate the foreign currency you want, then buy foreign currency to add money to your saving balance.

Does Foreign Currency savings on Jenius has interest?

Yes and for USD only. You will get 2% p.a. interest, valid throughout November – December 2022.

Interest rates can change at any time according to bank policies, and if there are changes, they will be informed according to applicable regulations.

Other than USD, Foreign Currency savings on Jenius don’t have interest.

Is there a minimum balance to get 2% interest p.a. in Foreign Currency savings (USD only)?

No. You will get 2% p.a. interest in Foreign Currency savings (USD only) without a minimum balance.

Is there any additional fee to get 2% interest p.a. in Foreign Currency savings (USD only)?

No. You will get 2% p.a. interest in Foreign Currency savings (USD only) without any additional fee.

How to sell Foreign Currency on Jenius?

There are three access to sell Foreign Currency on Jenius app.
– On Home page, on the line above the Active Balance.
– On Wealth page, go to Cash menu.
– On Mobius Button, from Move Balance.

How to sell Foreign Currency from Home page?

– On the line above Active Balance, choose Foreign Currency you want to sell.
– Choose Sell.
– Input the amount you want to sell, then choose Next.
– Check the confirmation page, then choose Sell.
– You’ve successfully sold Foreign Currency!

How to sell Foreign Currency from Wealth page?

– On the bottom navigation, choose Wealth.
– Go to Cash menu, scroll down to Active Balance then choose Foreign Currency you want to sell.
– Choose Sell.
– Input the amount you want to sell, then choose Next.
– Check the confirmation page, then choose Sell.
– You’ve successfully sold Foreign Currency!

How to sell Foreign Currency from Mobius Button?

– On the page that you access tap Mobius Button.
– Choose Move Balance.
– On the From field, tap the down arrow, then choose the foreign currency you want.
– Input the amount you want to buy, then choose Move Balance.
– On the confirmation page, choose Sell.
– You’ve successfully sold Foreign Currency!

Is there a minimum amount to sell Foreign Currency on Jenius?

You can sell Foreign Currency on Jenius app starting from 1 USD, 1 SGD, 1 AUD, 1 EUR, 1 GBP, 1 HKD, and 1 JPY.

Is there a maximum amount to sell Foreign Currency on Jenius?

Yes. You can sell Foreign Currency max. USD249,000 per transaction.

Are there any transaction fees when selling Foreign Currency on Jenius?

No.

Is there any operating hours to sell Foreign Currency on Jenius?

Yes. You can sell Foreign Currency on Jenius app every day at 09.00 – 15.00 WIB, including on national holidays.

Which exchange rate will be charged to me when I sell foreign currency on Jenius?

Jenius exchange rates.

Can I sell Foreign Currency to a balance other than rupiah?

No. Foreign Currency sales will be automatically added to IDR Active Balance.

Can I see the Foreign Currency balance at any ATMs located in Indonesia?

No. You can only see IDR Active Balance at ATMs in Indonesia. When m-Card is linked to a foreign currency, the ATMs will reject the transaction if you check your balance. You can check your Foreign Currency balance on Jenius app.

Can I make cash withdrawals at any ATMs in Indonesia when my m-Card is linked to my Jenius Foreign Currency?

No. You cannot make cash withdrawals at any ATMs in Indonesia when Foreign Currency is linked to your m-Card.

How much are the transaction fees for cash withdrawals at overseas ATMs if the m-Card I use is linked to a foreign currency?

– USD Active Balance: $1,5/transaction.
– SGD Active Balance: S$2,5/transaction.
– AUD Active Balance: A$2,5/transaction.
– HKD Active Balance HK$15/transaction.
– GBP Active Balance: £1,5/transaction.
– JPY Active Balance: ¥200/transaction.
– EUR Active Balance: €2/transaction.

You will also be charged additional fees according to the ATMs from which you make cash withdrawals.

Can I make cash withdrawals and deposit Foreign Currency at BTPN branches?

No. Currently, you can’t make cash withdrawals and deposit Foreign Currency via BTPN branches.

You can only make Foreign Currency cash withdrawals at overseas ATMs and add Foreign Currency balances by buying it on Jenius app.

Other than cash withdrawals, what transactions can I do with Foreign Currency?

– Transactions on EDC machines overseas.
– Online transactions in overseas e-commerce sites

Ensure you have linked Foreign Currency to your m-Card so transactions can be processed using the foreign currency you want.

Can I make Foreign Currency transactions on EDC machines in Indonesia?

No. Currently, you can’t make transactions on EDC machines in Indonesia when Foreign Currency is linked to your m-Card.

Are there any additional fees when I make transactions using Foreign Currency linked to m-Card?

No.

Can I make online transactions in overseas e-commerce sites using my Foreign Currency?

Yes. You can use your Foreign Currency to make transactions on all overseas e-Commerce sites while in Indonesia or abroad.

In addition, you can make payments using rupiah (IDR) or Foreign Currency linked to m-Card to make transactions in Indonesian e-Commerce as long as the chosen payment method uses the Visa network.

Can I make online transactions on overseas e-commerce sites that accept payments outside the available Foreign Currency on Jenius?

Yes. If the currency linked to your m-Card is IDR, the payment will immediately be converted to the applicable currency.

If Foreign Currency is linked to m-Card, the currency will be converted to IDR first, then it will be converted to the applicable currency in the e-Commerce site where you make the payment.

Can I send Foreign Currency using Jenius?

Yes. You can send Foreign Currency to Jenius, other domestic banks, and overseas banks, except for some countries that are included in the group of economic sanctions.

Why send Foreign Currency on Jenius?

– Simple process. As easy as sending money using Send It.
– You can send Foreign Currency without additional documents or any frequency limit.
– Send Foreign Currency to Jenius is real time and free of charge.
– You can send Foreign Currency to Jenius users anytime or available 24 hours.
– Full Amount option is available when sending money in USD.

What Foreign Currency can I send using Jenius?

USD (United States dollar), SGD (Singapore dollar), AUD (Australian dollar), HKD (Hong Kong dollar), GBP (British pound sterling). JPY (Japanese yen), and EUR (Euro).

To whom can I send foreign currency using Jenius?

– To Jenius users.
– To all banks worldwide, except in countries that are subject to economic sanctions, including Cuba, Iran, North Korea, and Syria.

What is a sender’s bank?

A bank used by the sender to send Foreign Currency.

What is a beneficiary bank?

A bank used by the recipient to receive Foreign Currency.

What is a correspondent bank?

A bank that provides services to other banks or financial institutions abroad. This service includes Foreign Currency transfer.

What is the function of a correspondent bank?

Correspondent bank acts as an intermediary between a sender’s bank and a beneficiary bank in sending Foreign Currency.

What is the difference between correspondent bank and beneficiary bank?

A correspondent bank connects a sender’s bank (the bank you use to send Foreign Currency) and a beneficiary bank. Meanwhile, a beneficiary bank is a bank to which the Foreign Currency is sent.

How to send Foreign Currency to other banks on Jenius?

– On the line above Active Balance, choose Foreign Currency you want to send.
– Choose Send.
– Add recipient bank details (SWIFT code, IBAN code, sort code, and account number), then choose Next.
– Choose transaction purpose and complete recipient details, then choose Next.
– Make sure all the information are correct, then choose Yes, Continue.
– Input the amount you want to send, then choose Next. You can turn on the Full Amount button and add notes if needed.
– Check transaction details, learn and agree to Terms & Conditions, then choose Send Money.
– Input Jenius password, then choose Submit.
– Foreign currency transfer is being processed.

How to send Foreign Currency to Jenius users?

– On the line above Active Balance, choose Foreign Currency you want to send.
– Choose Send.
– Turn on Send to Jenius button.
– Input the recipient’s foreign currency account number. For information, every foreign currency in Jenius has a different account number.
– Tap Check to check the recipient’s bank account details.
If the data is correct, tap Next.
– Input the amount of money you want to transfer and tap Next.
– Check transaction details, then tap Send Money.
– You’ve successfully sent Foreign Currency to Jenius Users!

Where to find my Foreign Currency account number on Jenius?

– On the bottom navigation, choose Wealth.
– Go to Cash, scroll down to Active Balance, then choose Foreign Currency you want.
– See your account number on the account information box.

Follow these steps to copy Foreign Currency account number.
– On the bottom navigation, choose Wealth.
– Go to Cash, scroll down to Active Balance, then choose the Foreign Currency you want.
– Scroll down to the account information box, then tap the icon next to account number to copy.

Where to find BTPN SWIFT code?

– On the bottom navigation, choose Wealth.
– Go to Cash, scroll down to Active Balance, then choose Foreign Currency you want.
– See SWIFT code on the account information box.

Want to copy-paste SWIFT code? Follow these steps.
– On the bottom navigation, choose Wealth.
– Go to Cash, scroll down to Active Balance, then choose the Foreign Currency you want.
– Scroll down to the account information box, then tap the icon next to SWIFT code to copy.

Can I see my Foreign Currency account number even though I don’t have a Foreign Currency balance?

No. You must activate Foreign Currency by adding the first balance into the Foreign Currency account.

How long does it take to send Foreign Currency on Jenius?

If you send it to other Jenius users, the process is instant and free of charge.

If you send it to other banks, it takes 2-5 working days after you send from Send It. However, depending on the beneficiary banks, the time required might be faster or slower.

You can contact the recipient to ensure your Foreign Currency has been sent.

Is there any operating hours to send Foreign Currency on Jenius?

Send Foreign Currency to Jenius users
There are no operating hours or available 24 hours.

Send Foreign Currency to other banks
Monday – Friday from 09.00 – 14.00 WIB, except on public holidays.

Is there a maximum limit amount for sending Foreign Currency on Jenius?

The maximum amount you can send is equivalent to USD100.000 per transfer.

Is there a frequency limit for sending Foreign Currency on Jenius?

No. You can send foreign currency as much as you want.

Are there Foreign Currency transfer fees on Jenius?

Send Foreign Currency to Jenius users is free of charge. However, if you send it to other banks, there are 2 fees applied:

1. Provision Fee of 0.125% x Total Transfer.
Minimum: 10 US dollars (equivalent)
Maximum: 150 US dollars (equivalent)

2. Telex fee of IDR50,000 (equivalent)

For Foreign Currency in United States dollars, there is a choice of a Full Amount Fee of 25 US dollars (equivalent).

Can I send Foreign Currency from my IDR Active Balance?

No. You have to use Foreign Currency balance.

What is SWIFT code?

SWIFT code (Society for Worldwide Interbank Financial Telecommunication) is a standard bank identification code or Bank Code Identifier (BIC). This code is for identifying banks in certain countries and branches. The SWIFT code consists of 8 – 11 letters (example: SUNIIDJAXXX) and is used for international bank transfers.

What is IBAN code?

IBAN (International Bank Account Number) code is a standard account numbering system. This code is used to identify individual accounts in international financial transactions.

The IBAN code consists of up to 34 letters and numbers (example: GB33BUKB20201555555555). This code is usually used for transactions with banks in Europe.

How do I get the SWIFT or IBAN codes of my recipient?

You can ask the recipient or search/verify the SWIFT or IBAN code at https://bank.codes/

When do I need SWIFT and IBAN codes when sending Foreign Currency?

You need a SWIFT code whenever you send Foreign Currency to identify a bank in a particular country or branch. While the IBAN code is required when you send Foreign Currency to European countries.

The IBAN code can also be used as the recipient’s account number. If your recipient doesn’t have an account number, you can use the IBAN code as an account number.

What is sort code?

A code to identify a bank branch office for transfers within a country. This code consists of 6 pairs of digits (example: 12-34-56) and is used in the United Kingdom and Ireland.

How do I get the sort code of my recipient?

You can ask your recipient for sort code.
The sort code can be found on a bank statement, debit card, or account book.

When do I need a sort code?

You need a sort code when sending Foreign Currency to the United Kingdom and Ireland. Please note that the sort code cannot replace the recipient’s account number.

What is Full Amount?

The fee you pay to ensure that your money is sent in full/according to the amount you input.

Can Telex Fee, Provision Fee or Full Amount be deducted from IDR Active Balance?

No. Telex, Provision, or Full Amount fees can only be deducted from the Foreign Currency balance you use for transfers.

Will the recipient get the same amount of money I sent?

It depends. The correspondent bank or the beneficiary bank may charge other fees. The amount and terms of this fee depending on each bank.

Why is there a correspondent bank fee that reduces the amount of money I send?

Because correspondent banks help you send money to the recipient account.

For information, correspondent banks or intermediary banks are banks that cooperate with other banks to provide foreign currency transfer services to each other.

The amount of fees charged by correspondent banks depends on the policies of each bank.

How do I know the transfer was successful?

Please contact your recipient to ensure the money you sent has been received.

What if I send money to the wrong account number?

You can call one of the following options:
– Beneficiary bank
– Jenius Help at 1500 365 or [email protected]
– Nearest Jenius booth
– Nearest BTPN branch.

What happens if the recipient’s account currency does not match the Foreign Currency I sent?

The beneficiary bank will convert the currency sent to the currency of the recipient’s account.

I entered wrong or incomplete recipient details, can the transfer be cancelled?

You can’t cancel a Foreign Currency transfer that has already been made. If you want to change the data, you must wait until the money is refunded.

What causes Foreign Currency transfers failed?

– The recipient’s account number and/or recipient’s data are incorrect or incomplete.
– The recipient is listed on the OJK Black List (Financial Services Authority), terrorist list, or National Black List.
– Transactions that require additional documents (eg, transaction invoices).
– Does not pass the AML (Anti-money laundering) screening.

If Foreign Currency transfer fails, will my money be refunded?

Yes. We will refund your money to the Foreign Currency balance you used. It’ll be recorded as Refund category on In & Out.

For your information, the money will be refunded to your Foreign Currency balance according to the transfer amount and deductions from the correspondent bank (if any). Please note that refunds don’t include Provision Fee, Telex Fee, or Full Amount Fee.

If Foreign Currency transfer fails, can I get a full refund?

Money will be refunded in full (including Provision Fee, Telex, and Full Amount Fee) if the transaction was cancelled due to not passing the AML (Anti-money laundering) screening. In addition, the refunded amount is the Transfer Amount.

Please note that the refund amount may not be the same as previous Transfer Amount. It depends on the prevailing exchange rate and the fees charged by the beneficiary bank or correspondent bank.

If Foreign Currency transfer fails, how long will it take for a refund?

We can’t confirm the refund time because it depends on the correspondent bank’s and beneficiary bank’s policies.

Can I receive Foreign Currency transfer on Jenius?

Yes. You can accept Foreign Currency from Jenius users and other banks worldwide.

Why should I receive Foreign Currency transfer on Jenius?

– The value of money you receive is more optimal because each Foreign Currency on Jenius app has a different account number.
– If you receive money from Jenius, sender won’t be charged any fees.

What Foreign Currency can I receive on Jenius?

USD (United States dollar), SGD (Singapore dollar), AUD (Australian dollar), HKD (Hong Kong dollar), GBP (British pound sterling). JPY (Japanese yen), and EUR (Euro).

Where to find my SWIFT code and Foreign Currency account number?

– On the bottom navigation, choose Wealth.
– Go to Cash, scroll down to Active Balance, then choose Foreign Currency you want.
– Go to Details, scroll down and you can find SWIFT code in Account Information.

What is Jenius or BTPN’s SWIFT code?

SWIFT code for Jenius or Bank BTPN is SUNIIDJA.

Do I need to activate Foreign Currency if I want to receive Foreign Currency from Jenius or other banks?

Yes. You need to activate Foreign Currency by adding the first balance to be able to receive Foreign Currency from Jenius or other banks.

How long does it take to receive Foreign Currency from Jenius or other banks?

The time required for receiving Foreign Currency depends on the policy of the correspondent bank and the sender’s bank.

What data must be filled in by the Foreign Currency sender in order to be received in my account?

Foreign Currency sender must fill in your data as the recipient (name, contact, address, etc.) according to the data registered with the Bank. For address data, the sender can enter your KTP address.

What will happen if the name of the recipient that the sender entered is different from the data registered with the bank?

If the name of the recipient that the sender entered is different from the name registered on the Bank, the Foreign Currency might be returned to the sender.

What will happen if the currency of my account does not match with the Foreign Currency that is sent to me?

The bank will convert the foreign currency that was sent to the currency that matches your account number using the prevailing BTPN exchange rate at that time.

Why did the converted amount when I buy or sell Foreign Currency on Jenius differ from the simulation?

Because foreign currency exchange rates might change at any time according to economic conditions and Bank Indonesia policies.

Can I see a simulation of Foreign Currency exchange rates to another foreign currency?

No. You can only see exchange rate simulations from foreign currencies to rupiah or vice versa.

Can I set a transaction limit for Foreign Currency?

Yes. You can set your single purchase limit and daily ATM withdrawal limit. Here’s how:

– On the bottom navigation, choose Wealth.
– Go to Cash, scroll down to Active Balance, then choose Foreign Currency you want.
– Go to Details, then choose More.
– Choose Change Limit.
– Set your single purchase limit and daily ATM withdrawal limit, then choose Save.
– You’ve successfully changed your Foreign Currency limit!”

Where to find Foreign Currency transaction history?

– Above the Active Balance, choose Foreign Currency that you want to see the history transaction.
– Choose View In & Out.

Are Foreign Currency history transactions on In & Out recorded forever?

No. In & Out only stores Foreign Currency transactions for the last 6 months.

Are Foreign Currency history transactions recorded on Moneytory?

No. Moneytory only records transactions in Rupiah.

Can I still make transactions using Foreign Currency if my m-Card is blocked?

Yes. You can still buy, sell, transfer, and receive Foreign Currency when your m-Card is Temporarily Blocked.

If your m-Card is in Permanently Block, you can only buy and sell Foreign Currency.

How can we help?

Call Us

1500 365