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About Foreign Currency Balance

What is a Jenius foreign currency balance?

In addition to Rupiah, Jenius offers a choice of foreign currency balances that can be used for m-Card transactions and storing funds in foreign currencies.

How do I activate the foreign currency balance in Jenius?

1. Login to Jenius app.
2. Choose Card Center menu.
3. Choose m-Card.
4. Click Activate on the currency you want to choose.
5. Choose your Activation purpose.
6. Input the amount of money you want to buy, then choose Next.
7. Read and agree to the Terms and Conditions, then choose Activate.

You can also activate your foreign currency balance on Total Balance widget on the dashboard page.

What benefits will I get after activating the foreign currency balance in my Jenius app?

Here are the benefits you will get after activating the foreign currency balance:

  • You can exchange (buy or sell) your Indonesian rupiah (IDR) to any foreign currencies (American dollar, Singapore dollar, Japanese yen and British Pound sterling, Australian Dollar, Euro, Hong Kong Dollar) and vice versa, directly from Jenius app.
  • You can connect your m-Card to one of four currencies (IDR, USD, SGD, JPY, GBP, AUD, EUR, HKD) and use it for transaction with card.
  • You can also enjoy the convenience of transacting abroad with these foreign currency balances.
Is there an operating time for buying and selling foreign currency in Jenius?

You can make foreign currency transactions (buy & sell) during weekdays/office day (Monday – Friday) at 09.00 – 15.00 WIB, except on public holiday.

Where can I view the Jenius exchange rates?

You can check the foreign currency rates through Jenius Help on the Exchange & Simulation Rates menu. Here you can see the exchange rates that apply on that day.

Which exchange rate will be charged to me when I buy or sell foreign currency in Jenius?

The Jenius exchange rate will be applied when you sell or buy foreign currencies from Jenius app.

If I make a transaction using my debit card in a currency that is not listed as a Jenius foreign currency balance, in which exchange rate will I be charged?

Visa exchange rates will apply for all transactions using Jenius Debit Cards (m-Card, x-Card and/or e-Card) such as cash withdrawals at ATMs, payments to merchants using the Visa Contactless system, or POS (point of sale) payments and online payments in e-Commerce.

Where can I see the details of my Jenius foreign currency balance?

You can see the details of your foreign currency balance through Jenius app dashboard page or through your m-Card details in Card Center menu.

How do I connect one of my foreign currency balance to my m-Card?

1. Choose Card Center menu.
2. Choose m-Card.
3. Choose the foreign currency balance you want to connect with your m-Card.
4. Tap on the 3 (three) dots next to the foreign currency.
5. Choose Link to m-Card.

If the balance that is linked to my m-Card is Indonesian rupiah (IDR), then I make a transaction abroad with foreign currency (for example, USD), will Jenius automatically withdraw the fund from the Active Balance of which the said foreign currency is linked to?

When you make a transaction, the fund that will be debited from your balance/currency is the one that is linked to your m-Card. If the currency that is currently connected is USD, for example, the balance to be withdrawn is your USD balance.

If you m-Card is linked to Indonesian rupiah (IDR) when you make a transaction abroad, let’s say in a country where USD is being used, then the fund in your balance will be converted to USD and that transaction will debit your money from that IDR balance based on the conversion.

If my m-Card is linked to any foreign currency balances (USD/SGD/JPY/GBP/AUD/EUR/HKD) and I transfer money, pay bill, or top up e-Wallet using Jenius app, will my money still be debited from my IDR balance?

Yes. If the balance that is currently connected to m-Card is any foreign currency balance (USD/SGD/JPY/GBP/AUD/EUR/HKD), transactions such as top-up e-Wallet, transfers to intrabank bank or interbank will still deduct your IDR currency balance.

If my Maxi Saver savings reach maturity or I withdraw money from Flexi Saver, Dream Saver, x-Card or e-Card, and the balance that is linked to m-Card is a foreign currency balance, which balance will that money be added?

All savings or money you withdraw from Save It feature, x-Card or e-Card will be added to your IDR Active Balance, even though the balance that is linked to m-Card is a foreign currency one.

Do I have to link my foreign currency balance to m-Card first before buying or selling the currency (USD, SGD, JPY, GBP, AUD, EUR, HKD)?

No. You can buy or sell foreign currency (USD, SGD, JPY, GBP, AUD, EUR, HKD) without any need to inking the foreign currency balances to your m-Card first.

When I make a transaction in the United States and I haven’t connected the USD balance to my m-Card, will the money be debited from my USD balance?

No. The money will be debited from the balance that is linked to your m-Card regardless of which currency you’re transacting.
Therefore, make sure the foreign currency balance that you want to use is connected to your m-Card before making a transaction.

Is there a minimum purchase of foreign currency when I activate a foreign currency balance in Jenius?

Yes, there is a minimum deposit when you activate a foreign currency balance in Jenius, with details as follow:
1. United States dollar: 10 USD
2. Singapore dollar: 10 SGD
3. Japanese yen: 1000 JPY
4. British Pound sterling: 10 GBP
5. Australian Dollar: 10 AUD
6. Euro: 10 EUR
7. Hong Kong Dollar: 100 HKD

Once activated, what is the minimum limit for buying and selling foreign currencies in Jenius?

The minimum amount required for buying and selling your foreign currency balances are 1 USD, 1 SGD, 1 JPY, 1 GBP, 1 AUD, 1 EUR, and 1 HKD.

How much is the maximum limit for buying and selling foreign currencies in Jenius?

You can exchange rupiah (IDR) to all foreign currencies with accumulation up to 20,000 USD per month and there is no maximum limit for selling foreign currencies in Jenius app.

How do I buy foreign currency from Jenius app?

1. Choose Card Center.
2. Select m-Card.
3. Choose the currency you want to buy and tap Buy.
4. Input the amount of money you want to buy and tap Next.
5. Check the details of the foreign currency you would like to purchase, then tap Confirm.

How do I sell my foreign currency through Jenius app?

1. Choose Card Center.
2. Select m-Card.
3. Choose the currency that you want to sell and tap Sell.
4. Input the amount of money you want to sell and tap Next.
5. Check the details of foreign currency that you would like to sell, then tap Confirm.

Can I transfer my foreign currency to fellow Jenius users?

Yes. You can still make a transfer and top up e-Wallet using your rupiah balance (IDR) when the balance connected to m-Card is a foreign currency balance.

Can I transfer my foreign currency to another bank?

No. You can only sell and buy foreign currency balances in Jenius app.

Can I still make a transfer or top up e-Wallet through Jenius app using rupiah balance (IDR) when the balance that is currently connected to m-Card is a foreign currency balance?

No. Make sure your balance that is currently connected to your m-Card is rupiah balance (IDR) to make a transfer through Jenius app.

Can I withdraw my Foreign Currency Balance through a BTPN branch office or teller?

No, you can’t. Jenius Foreign Currency Balances cannot be withdrawn through BTPN branch offices or tellers.

Why do foreign exchange rates always change?

The foreign exchange rates change every day according to economic and market conditions. Before making a foreign currency transaction, you should check the prevailing exchange rate on that day through the Exchange Rate & Simulation option on the Jenius Help menu in the Jenius app. Please note that there will be rounding for the 2 decimal digits.

How do I know whether a transaction with a Foreign Currency Balance is successful or not?

To find out whether a transaction with a Foreign Currency Balance is successful or not, you can check your In & Out regularly.

How do I view my foreign currency transaction history?

1. Choose Card Center menu.
2. Click m-Card.
3. Choose one of the currency.
4. Select the Transaction tab.

Can I see all my currency balances at any ATMs located in Indonesia?

Currently, you can only check your rupiah (IDR) balance through any ATMs located in Indonesia.
Ant transactions, including balance checking, at any ATMs in Indonesia, will be rejected if your m-Card is linked to one of your foreign currencies. You can see your foreign currency balances in your Jenius app.

What kind of transactions can I make using the foreign currency balance that I have in Jenius?

It could be any transactions using Jenius Debit Cards when a foreign currency is linked to your m-Card.
For example:
– Overseas e-Commerce payment,
– cash withdrawal at overseas ATMs,
– transaction with m-Card on overseas EDC machines.

Can I use my foreign currency balance to make transactions in Indonesia?

The transaction will be rejected if foreign currency balance is connected to m-Card and you make a transaction on Bersama/Prima network in Indonesia.
However, if the balance that is currently connected to your m-Card is a foreign currency balance and you make a transaction with rupiah (IDR) in Indonesia using Visa network then the transaction will succeed.
E.g. Shopping via e-Commerce using Visa network.

Can I make transactions at an EDC machine in Indonesia using my Jenius foreign currency balance?

No. You can’t make transactions on an EDC machine in Indonesia when your m-Card is linked to your foreign currency balance.

Can I make transactions at any EDC machines and ATMs abroad using my Jenius foreign currency balance?

Yes. You can make transactions at any EDC machines and ATMs abroad when your m-Card is linked to your foreign currency balance.

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

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

Is there any transaction fees for foreign currency cash withdrawal using a Jenius Debit Card abroad?

Yes. The additional fees for foreign currency cash withdrawal transactions abroad are determined by the currency that is linked to your m-Card. Additional fees will be charged when the transaction happens, with the detailed costs as follow:
1. United States dollar: 1,5 USD
2. Singapore dollar: 2.5 SGD
3. Japanese yen: 200 JPY
4. British Pound sterling: 1,5 GBP
5. Australian Dollar: AUD2.5
6. Euro: EUR2
7. Hong Kong Dollar: HKD15

Note: additional fees on foreign currency cash withdrawals at foreign ATMs can be more than the details above, depending on the policy of the bank where you do the cash withdrawal.

If I shop in Singapore when my m-Card is connected to Singapore dollar (SGD), will there be any additional fees imposed on me besides the bill I have to pay for?

If your m-Card is linked to the currency of the country where you do the shopping, then the amount to be withdrawn from the saving will be exactly the same as your shopping bill.

Can I make transactions in foreign e-Commerce sites using my foreign currency balance?

You can use your foreign currency balance and Indonesia currency (IDR) balance to make transactions in all foreign e-Commerce sites, while you’re in Indonesia or while you’re abroad.

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

Can I still make payments at e-Commerce that receive other than IDR, USD, SGD, JPY, GBP, AUD, EUR, and HKD as payment?

Yes, if the currency that is connected to your m-Card is IDR, the payment will immediately be converted to the applicable currency.
If you use USD, SGD, JPY, GBP, AUD, EUR or HKD then the currency will be converted to IDR first, then it will be converted to the applicable currency in that e-Commerce site where you make the payment.

If my friend makes a transfer to my Jenius account when my m-Card/Active Balance is linked to a foreign currency, which currency will I receive?

You will receive money in rupiah (IDR) currency and it will be added to your rupiah (IDR) balance. Even though your m-Card/Active Balance is linked to any foreign currencies.

If I do shopping abroad and pay for my shopping bills with my m-Card that is still linked to rupiah (IDR) currency using an EDC machine, can it still happens?

Yes. When you make overseas transactions using an EDC machine with your rupiah (IDR) currency balance, your rupiah (IDR) currency will be converted to the valid foreign currency in that country where that transaction happens. So, it is still possible.

Why do I have to buy a foreign currency first as a deposit to open a foreign currency saving?

Purchasing foreign currency as a deposit is one way to activate a foreign currency balance in your Jenius app.

Can I sell my foreign currency to other foreign currencies other than rupiah?

No. For now, you can only sell your foreign currency to rupiah first before you can buy other foreign currencies (USD, SGD, JPY, GBP) in Jenius app.
Note: Foreign currencies that are available in Jenius include USD (United States dollar), SGD (Singapore dollar), JPY (Japanese Yen), GBP (British pound sterling), AUD (Australian dollar), EUR (Euro), and HKD (Hong Kong dollar).

Why did the amount of foreign currency I want to buy change when it was simulated?

This could happen because the exchange rates keep changing any time according to the economic conditions and Bank of Indonesia policies.
You can check the exchange rates on Jenius Help menu.

Can I see a simulation of one foreign currency exchange rate to another foreign currency?

No. You can only see the exchange rate simulations from foreign currencies to rupiah (IDR) and the other way around.

Will the foreign currencies I save in Jenius get any interest?

For now, all foreign currencies you save in Jenius will not receive any interest (0%).

If I make a transaction using Jenius Pay, but the balance connected to my m-Card/Active Balance is one of the foreign currencies, will the transaction still happen?

Yes. Transactions with Jenius Pay will still be able to withdraw your IDR currency even though your m-Card/Active Balance is still connected to any foreign currencies.

Is my membership subscription payment will fail if the currency that is currently connected to m-Card is a foreign currency?

No, all membership subscription transactions will be accepted, as long as the payment method you choose is Visa network.

If I block my m-Card, can I still make foreign currency transactions in Jenius?

Yes. You can still make transactions to Activate, Sell and Buy foreign currency when your m-Card is Temporarily Blocked.
Whereas, if your m-Card is Permanently Blocked, you can only sell or buy foreign currencies.

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