Find everything you need to know about Jenius

What are the benefits of using Flexi Saver?

The benefit of using Flexi Saver is that you can allocate up to 3 savings, each with up to 5% interest annually (p.a.).

You can deposit or withdraw your money at any time without additional fees. As a personal touch, you can give names and photos to the savings according to your saving goals.

How is the Flexi Saver interest calculated?

Flexi Saver uses progressive interest calculation or flexible interest. Find more information about Flexi Saver’s flexible interest here

How can I create a new Flexi Saver?

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section. If you don’t have any Save It yet, choose Start Save It, read the first time tutorial, then choose Start Save It. If you’ve already have a Save It, choose Add Save It.
3. Choose Flexi Saver.
4. On the Select Savings Type, choose Flexi Saver.
5. Create a name for your savings, add a photo (optional), input your initial balance, then choose Next.
6. Review your Flexi Saver details, then choose Create Savings.
7. You’ve successfully created a new Flexi Saver!

How many Flexi Savers can I make?

You can make up to 3 Flexi Savers.

What is the minimum initial deposit to make a Flexi Saver?

The minimum initial deposit to make a Flexi Saver is IDR0.

How do I withdraw my money from Flexi Saver back to the Active Balance?

You can withdraw money from your Flexi Saver in 2 ways:

A. Through Move Balance
1. On the Home page in your Jenius app, choose Move Balance.
2. Tap the down arrow in the From section, the choose the Flexi Saver that you want to withdraw from.
3. Input the amount that you want to withdraw, then choose Move Balance.
4. Review your withdrawal details, then choose Withdraw.
5. You’ve successfully withdrawn your money from Flexi Saver to Active Balance!

B. Through Flexi Saver Details menu
1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Flexi Saver.
3. Select one of the Flexi Savers that you want to withdraw.
4. On the Details menu, choose Withdraw on the bottom of the page.
5. Input the amount that you want to withdraw, then choose Next.
6. Review your withdrawal details, then choose Withdraw.
7. You’ve successfully withdrawn your money from Flexi Saver to Active Balance!

How do I add money from the Active Balance to Flexi Saver?

You can add/top up your Flexi Saver in 2 ways:

A. Through Move Balance
1. On the Home page in your Jenius app, choose Move Balance.
2. Tap the down arrow in the To section, the choose the Flexi Saver that you want to top up.
3. Input the amount that you want to top up, then choose Move Balance.
4. Review your top up details, then choose Top Up.
5. You’ve successfully topped up your Flexi Saver!

B. Through Flexi Saver Details menu
1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Flexi Saver.
3. Select one of the Flexi Savers that you want to top up.
4. On the Details menu, choose Top Up on the bottom of the page.
5. Input the amount that you want to top up, then choose Next.
6. Review your top up details, then choose Top Up.
7. You’ve successfully topped up your Flexi Saver!

How can I see my Flexi Saver transaction history?

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Flexi Saver.
3. Select the Flexi Saver whose transaction history you want to see.
4. Choose the Transaction menu.
5. Look at the transaction history. Tap the transaction to see the details.

You can also see your Flexi Saver transaction history on your e-Statement by following these steps:
1. On the bottom navigation in your Jenius app, choose Wealth.
2. Tap the e-Statement icon on the top right corner.
3. Choose the month and the year of the e-Statement that you want to see.
4. Scroll down to the Flexi Saver section to view your transaction history.

How can I see the interest I’ve received from my saving in Flexi Saver?

You can view the interest you’ve received from saving in Flexi Saver by tapping on Transactions menu inside the Flexi Saver or from monthly e-Statement.

Can I add money to my saving in Flexi Saver from other source than Active Balance?

Unfortunately, you can’t. You can only add money to your Flexi Saver from the Active Balance. If you want to top up your Flexi Saver from your e-Card, x-Card, or your other savings, you need to move the balance first to your Active Balance.

Can I delete the Flexi Saver that I’ve created?

No, you cannot delete the Flexi Saver that you have created.

Where can I see the Flexi Saver that I have created before?

You can see the Flexi Saver that you have created before in the Wealth page, then tap Flexi Saver.

How do I replace the Flexi Saver photo?

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Flexi Saver.
3. Select one of the Flexi Savers that you want to replace the photo with.
4. On the Details menu, choose Edit on the bottom of the page.
5. Tap on the camera icon.
6. Choose Take Photo or Take from Gallery.
7. Tap Save.
8. You’ve successfully replaced your Flexi Saver photo!

How do I change the savings’ name on Flexi Saver?

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Flexi Saver.
3. Select one of the Flexi Savers that you want to replace the photo with.
4. On the Details menu, choose Edit on the bottom of the page.
5. In the Savings Name section, enter the new savings name that you want.
6. Tap Save.
7. You’ve successfully replaced your Flexi Saver photo!

What is flexible interest?

Flexi Saver’s flexible interest is a progressive interest calculation method, which is calculated daily and paid monthly based on the savings balance tier in each Flexi Saver account. With the progressive calculation method, you can earn higher interest if you have a larger Flexi Saver balance.

How is Flexi Saver’s flexible interest calculated?

Flexi Saver now uses flexible interest with progressive calculation method according to your savings balance tier.

Here are the details of the Flexi Saver savings balance tier and the difference between the previously applicable balance and flexible interest:

How is the progressive interest calculated?

If you have a savings balance of IDR150,000,000 in one of your Flexi Saver, the balance will be divided into 4 tiers with different interest rates.

*Interest rates may change at any time and any changes will be communicated according to applicable regulations.
*The interest rates in the table above are gross rates and will be subject to tax deductions in accordance with current bank regulations.

If I have more than one Flexi Saver, is the Flexi Saver interest calculated based on my total saving amount or per account?

Interest will apply per your Flexi Saver account. So, each of your Flexi Saver accounts can have different interest rates depending on the balance in each account.

Does the progressive interest calculation also apply to other savings product in Jenius?

No. The progressive interest calculation will only apply to Flexi Saver and won’t apply to Dream Saver, Maxi Saver, or Active Balance.

How can I get more information about Flexi Saver interest?

Call Jenius Help at 1500 365 or e-mail [email protected].

When will I receive my Flexi Saver interest?

Flexi Saver interest will be calculated daily and paid at the 27th of every month.

How can I see the interest I’ve received from my saving in Flexi Saver?

1. On the bottom navigation of your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Flexi Saver.
3. Select the Flexi Saver whose interest you want to see.
4. Choose the Transaction menu.
5. Find the transaction named Interest. Tap the transaction to see the details.

You can also see your Flexi Saver transaction history on your e-Statement by following these steps:
1. On the bottom navigation of your Jenius app, choose Wealth.
2. Tap the e-Statement icon on the top right corner.
3. Choose the month and the year of the e-Statement that you want to see.
4. Scroll down to the Flexi Saver section Find the transaction named Interest.

When does the progressive interest calculation start to apply?

The progressive interest calculation for Flexi Saver will apply starting June 28, 2024, replacing the previously applicable interest rate of 2.5% p.a.

What are the benefits of using Dream Saver?

The benefit of using Dream Saver is that you can create 5 auto-debit savings for 5 different dreams with an interest rate of 2.5% annually (p.a.).

You are free to set your achievement targets, achievement dates, initial deposits, and deposit periods according to your ability (daily, weekly, or monthly).

You can also name and add a photo to your Dream Saver to make saving even more motivating.

How many Dream Savers can I make?

You can make up to 5 Dream Savers.

How can I create a new Dream Saver?

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section. If you don’t have any Save It yet, choose Start Save It, read the first time tutorial, then choose Start Save It. If you’ve already have a Save It, choose Add Save It.
3. Choose Dream Saver.
4. Create a name for your dream, add a photo (optional), input the amount that you have to save, then choose Next.
5. Set up the first balance, auto-saving period, and auto-saving amount. If you want to lock the completion date, tap the Lock completion date toggle. You can also change the completion date according to your target. Once everything is set, choose Next.
6. Review your Flexi Saver details, then choose Create Savings.
7. You’ve successfully created a new Dream Saver!

If I already have more than 5 Dream Savers before, can I still create another Dream Saver?

No, you can’t. If you already have more than 5 Dream Savers, you need to complete or stop an ongoing Dream Saver to add a new one.

What is the minimum initial deposit to create a Dream Saver?

The minimum initial deposit to create a Dream Saver is IDR1.

How long is the maximum period for each Dream Saver?

The maximum period for each Dream Saver is 10 years.

How do I add money from the Active Balance to Dream Saver?

You can add/top up your Dream Saver in 2 ways:

A. Through Move Balance
1. On the Home page in your Jenius app, choose Move Balance.
2. Tap the down arrow in the To section, the choose the Dream Saver that you want to top up.
3. Input the amount that you want to top up, then choose Move Balance.
4. Review your top up details, then choose Top Up.
5. You’ve successfully topped up your Dream Saver!

B. Through Flexi Saver Details menu
1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Dream Saver.
3. Select one of the Dream Savers that you want to top up.
4. On the Details menu, choose Top Up on the bottom of the page.
5. Choose Active Balance.
6. Input the amount that you want to top up, then choose Next.
7. Review your top up details, then choose Top Up.
8. You’ve successfully topped up your Dream Saver!

Notes:
– If you lock the completion date, the auto-saving amount will be adjusted.
– If you don’t lock the completion date, the completion date will be adjusted.

Can I add funds to Dream Saver other than from Active Balance?

Yes, you can do that by sending money request to other people.
1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Flexi Saver.
3. Choose one of the Dream Savers you want to add funds to.
4. On the Details menu, choose Top Up on the bottom of the page.
5. Choose Request from others.
6. Select the friends you want to send the top up request to or add manually by inputting their $Cashtag, then choose Done.
7. Input the amount of money you want to request and choose Send Request.
8. You’ve successfully sent the request! To accept the request, your friend has to go to the bell icon on their Jenius app, find the request, then choose Send Money.

Can I pause my Dream Saver?

Yes. You can pause your Dream Saver.

How do I delay or pause my Dream Saver?

You can pause your Dream Saver by following these steps:
1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Flexi Saver.
3. Choose one of the Dream Savers you want to pause.
4. Tap Edit.
5. Tap Pause.

Will I still receive the interest eventhough I suspend/pause my Dream Saver?

Yes. The interest will still be calculated and you will still receive it even after you suspend/pause your Dream Saver.

Can I cancel my saving in Dream Saver even if the term is not over yet?

Yes, you can cancel and withdraw your saving in Dream Saver anytime you want.

Is there any penalty for pausing or canceling my Dream Saver before the end of term?

No, you won’t be charged for any penalty fee.

How can I see my Dream Saver transaction history?

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Dream Saver.
3. Select the Dream Saver whose transaction history you want to see.
4. Choose the Transaction menu.
5. Look at the transaction history. Tap the transaction to see the details.

You can also see your Dream Saver transaction history on your e-Statement by following these steps:
1. On the bottom navigation in your Jenius app, choose Wealth.
2. Tap the e-Statement icon on the top right corner.
3. Choose the month and the year of the e-Statement that you want to see.
4. Scroll down to the Dream Saver section to view your transaction history.

How can I see the interest I’ve received from my saving in Dream Saver?

You can view the interest you’ve received from saving in Dream Saver by tapping on Transactions menu inside the Dream Saver or from monthly e-Statement.

How do I change my Dream Saver’s autodebet settings?

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Flexi Saver.
3. Choose which Dream Saver you want to reset the automatic saving for.
4. Tap More, then choose Settings.
5. Change the amount of the automatic saving as you want.
6. Review the saving details before tapping Next.

Can I change my automatic savings frequency?

Yes, you can, by following these steps:
1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Dream Saver.
3. Choose which Dream Saver you want to reset the frequency for.
2. Tap More, then choose Settings.
3. Choose which frequency is most suitable for your; daily, weekly or monthly.
4. Tap Save.

How can I change the total amount of money I need to save in my Dream Saver?

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Flexi Saver.
3. Choose one of your Dream Saver that you want to change.
4. Choose Edit.
5. Change the target amount you have to save.
6. Review the saving details before tapping Save.

Is there a minimum or maximum limit for daily saving in Dream Saver?

If you don’t lock the achievement date, the minimum daily savings amount must be achievable within 10 years. Meanwhile, there is no maximum limit for daily saving amount.

My Dream Saver is already completed, but why I can’t see the added money in my Active Balance yet?

After you’ve reached the nominal target, you have to close the saving in your Dream Saver so the money will be transferred automatically to your Active Balance.

How can I finish an achieved Dream Saver?

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Dream Saver.
3. Choose a finished Dream Saver.
4. On the Details menu, choose Finish Dream Saver on the bottom of the page.
5. You’ve achieved your dream! Your Dream Saver balance will be transferred to you Active Balance.

What are the benefits of using Dream Saver?

The benefit of using Maxi Saver is that you can save with up to 5% annually (p.a.).

You are free to set the maturity period from 1-12 months. If there is an urgent need, you can withdraw the deposit before maturity without penalty fees.

When your deposit matures, there are three maturity options to choose from and you can change them up to a maximum of 5 times.

How can I view my Maxi Saver?

You can view your Maxi Saver on the Wealth page in your Jenius app, scroll down to Save It section, then choose Maxi Saver. You can find all of your active Maxi Savers there.

What is the minimum deposit amount required for opening a Maxi Saver?

The minimum amount required for opening a Maxi Saver is IDR10,000,000 (ten million rupiah).

Can I withdraw Maxi Saver before the maturity date?

You can terminate at any time except on the day you create your Maxi Saver and 2 working days before the maturity date. However, if you want to withdraw before the period, you will not get the interest and only the principal amount will be returned.

How many Maxi Saver can I have?

You can have as many Maxi Saver as you want.

Can I terminate a Maxi Saver and withdraw my principal on the same day that Maxi Saver was created?

No, you cannot terminate a Maxi Saver and withdraw your funds on the day it was set up.

What is the range of tenure (maturity term) for which I can open a Maxi Saver?

You can choose from 1 month up to 12 months.

Is there any automatic roll over (ARO) facility available on Maxi Saver?

You can opt for automatic roll over (ARO) at the time of creating the Maxi Saver or anytime until 2 working days before the Maxi Saver matures.

What are the Interest rates for Maxi Saver?

Tap here to view Maxi Saver’s interest rates

How can I stop or teminate my Maxi Saver?

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Maxi Saver.
3. Pick which Maxi Saver you want to terminate.
4. Choose More, then tap Terminate.

How can I change the automatic roll over (ARO) settings or maturity options of my Maxi Saver?

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Maxi Saver.
3. Choose one of the Maxi Saver that you want to you want to change.
4. Tap Maturity Option button.
5. Choose one of the maturity option that are suitable for you.
6. Review your option before you tap the Next button.

Is there a limit to change maturiry options or my automatic roll over (ARO) setting?

You have 5 (five) opportunities to change the maturity option or ARO setting over a period of Maxi Saver.

What happens at my Maxi Saver maturity date?

1. If you choose Roll Over Principal, your Maxi Saver principal will be roll over with the same tenor at prevailing interest rate. Your interest earned will be creditted to your Jenius main account.
2. If you choose Roll Over Principal + Interest, your Maxi Saver principal and interest will be roll over (as new principal) with the same tenor at prevailing interest rate.
3. If you choose Return to Active Balance, your Maxi Saver principal and interest earned will be creditted to your Jenius main account.

When will Maxi Saver interest be received?

The interest will be paid on maturity date of Maxi Saver.

Is there any penalty if I terminate my Maxi Saver?

If you early terminate your Maxi Saver, you will only receive your principal back to your main account with no interest paid.

How can I view the interest that received from Maxi Saver?

Maxi Saver Interest can be viewed in e-Statement and In & Out when you reach the deposit maturity date.

Can I add money to the Maxi Saver that already created?

No, unfortunately you cannot add money to Maxi Saver that already created. However, you can create new Maxi Saver.

How can I edit the maturity option of my Maxi Saver?

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Maxi Saver.
3. Choose one of the Maxi Saver that you want to you want to change.
4. Tap Maturity Option button.
5. Choose one of the maturity option that are suitable for you.
6. Review your option before you tap the Next button.