What is the difference between Flexi Saver, Dream Saver and Maxi Saver?
Flexi Saver can be used as an emergency fund, this savings provide flexibility to withdraw and deposit money anytime as needed. Dream Saver can be used for savings with specific goals and specific deadline to be achieved. Maxi Saver is a time deposit and can be used for a long-term savings.
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 2.5% interest per anum.
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 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?
1. Choose the Save It menu.
2. On your Flexi Saver, tap See Saving Details.
3. Choose one of the Flexi Savers you want to withdraw.
4. Tap on Withdraw.
5. On the Withdrawal Amount, input the amount of money you want to withdraw from Flexi Saver to the Active Balance.
6. Choose Next.
7. Please check the amount details that will be transferred back to your Active Balance.
8. Tap on the Withdraw button.
How do I add money from the Active Balance to Flexi Saver?
1. Choose the Save It menu.
2. On your Flexi Saver, tap See Saving Details.
3. Choose one of the Flexi Savers you want to top up.
4. Tap on Top Up.
5. On the Deposit Amount, input the amount of money you want to move from the Active Balance to Flexi Saver.
6. Choose Next.
7. Please check the amount details that will be added to your Flexi Saver.
8. Tap on the Confirm button.
How can I see my Flexi Saver transaction history?
1. Choose the Save It menu.
2. On your Flexi Saver, tap on the Flexi Saver List.
3. Choose one of the Flexi Savers that you want to see its transaction history.
4. Tap on Transaction to see the all of the activities you’ve done inside this Flexi Saver since the first time you put money in it.
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.
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 Flexi Saver List.
How do I replace the Flexi Saver photo?
1. Choose the Save It menu.
2. On the Flexi Saver feature, choose the Flexi Saver List.
3. Select one of the Flexi Savers that you want to replace the photo with.
4. Choose Edit.
5. Tap on the camera icon.
6. Choose Take Photo or Take from Gallery.
7. Tap on Save.
How do I change the savings name on Flexi Saver?
1. Choose the Save It menu.
2. On the Flexi Saver feature, choose the Flexi Saver List.
3. Select one of the Flexi Savers that you want to rename.
4. Choose Edit.
5. In the Savings Name section, enter the new savings name that you want.
6. Tap on Save.
What are the benefits of using Dream Saver?
The benefit of using Dream Saver is that you can save up to 5 savings automatically, each with an interest of 2.5% per year.
You are free to set the amount of target, the deposit period, the date of achievement, and the amount of money deposited automatically.
Don’t forget to give a name and a photo to your saving so that you can be more eager to realize your dreams with Dream Saver.
How many Dream Savers can I make?
You can make up to 5 Dream Savers.
If I already have more than 5 Dream Savers before, can I still create another Dream Saver?
If you already have more than 5 Dream Savers before, then you can still continue with the existing ones, but you can’t create 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.
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. Choose Save It.
2. Choose one of the Dream Savers you want to add funds to.
3. Tap Top Up.
4. Choose Request from others.
5. Choose the list of people you want to send the money request to.
6. Input the amount of money you want to request and tap Send Request.
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. Choose Save It.
2. Choose one of the Dream Savers you want to pause.
3. Tap Edit.
4. 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 the interest I receive from my Dream Saver?
Dream Saver interest is calculated per day and paid per month which can be viewed in through Transactions menu in your Dream Saver or through your monthly e-Statement.
How do I change my Dream Saver’s autodebet settings?
1. Choose Save It.
2. Choose which Dream Saver you want to reset the automatic saving.
3. Tap More, then choose Settings.
4. Change the amount of the automatic saving as you want.
5. Review the saving details before tapping Next.
Can I change my automatic savings frequency?
Yes, you can, by following these steps:
1. Choose Dream Saver.
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. Choose Save It.
2. Choose one of your Dream Saver that you want to change.
3. Choose Edit.
4. Change the target amount you have to save.
5. Review the saving details before tapping Save.
Is there a minimum or maximum limit for daily saving in Dream Saver?
There’s no maximum limit. For now, maximum daily saving for Dream Saver is IDR100.000 on slider. To add more than IDR100.000, you can input manually.
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 see my Dream Saver transaction history?
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 can I view my Maxi Saver?
Log in to your Jenius app, scroll down the dashboard until you find Save It widget. You can also tap on top left menu, choose Save It and under Maxi Saver menu, you will see all of your active Maxi Savers.
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 period?
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. Choose Save It and pick which Maxi Saver you want to terminate.
2. Choose More, then tap Terminate.
How can I change my maturity options or terminate from Maxi Saver?
1. Choose Save It and pick which Maxi Saver you want to change.
2. Choose Maturity Option, after that you can choose to roll over or return to Active Balance.
3. Review your choice before tapping Yes, I’m Sure.
Is there a limit to change ARO setting?
You have 5 (five) opportunities to change 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?
1. Choose Save It and choose one of the Maxi Saver that you want to you want to change.
2. Tap Maturity Option button.
3. Choose one of the maturity option that are suitable for you.
4. Review your option before you tap the Next button.
