Rates & Limits

Everything is fully transparent with Jenius. There are no hidden costs. You only need to pay for what you need to pay.

Transparent Fees

After joining Jenius, every month you will get up to 25x interbank transfers via Jenius app free of charge; and up to 25x cash withdrawal free of charge from any ATM Bersama/Prima across the country. The following charges will apply for any subsequent transactions after exceeding the monthly limit.

Type of Transaction Fee
Monthly administration fee Free
Account opening fee Free
Account closure fee Free
The initial balance when opening an account IDR0
The initial balance when activating the foreign currency balance United States dollar USD10
Singapore dollar SGD10
Japan yen JPY1,000
Fees below the monthly minimum balance No minimum balance
Dormant account fee (no transactions during 6 months) Free
Online Transfer with Application
The first 25 transactions during the first two months for newly registered and activated Jenius users Free
The first 25 transactions every month with the previous month's average balance is above IDR 10,000,000 Free
The first 15 transactions every month with the previous month's average balance is between IDR1,000,000 - IDR9,999,999 Free
Next transactions to other banks (specifically for transfers exceeding the free transaction fee quota or if the previous month's average balance below IDR1,000,000) IDR3,000/trx
Transfer with SKN IDR3,000/trx
Transfer with RTGS IDR20,000/trx
Transfer to other phone numbers or e-mail IDR3,000/trx
PLN electricity payment fee IDR1,500/trx
Other bill payment Free
Top-Up e-Wallet Balance
Top-up M-TIX balance IDR5,000/trx
Top-up GO-PAY, LinkAja, OVO balance (specifically for transfers exceeding the free transaction fee quota or if the previous month's average balance below IDR1,000,000) IDR3,000/trx
Minimum e-Wallet balance top up GO-PAY, LinkAja, OVO IDR10,001
M-TIX IDR100,000
Transaction with Jenius Debit Cards (m-Card and x-Cards)
Transfer via ATM
Prima/Bersama network IDR6,500/trx
Cash Withdrawal
Jenius TCR Free
BTPN ATMs Free
Accumulation of the first 25 transactions during the first two months using m-Card and x-Card at any Prima/Bersama ATMs for newly registered and activated Jenius users Free
m-Card (main card) and x-Card (extra card), at Prima/Bersama ATMs Accumulation of the first 25 transactions/monthAccumulation of the first 15 transactions/month Free
Accumulation of the first 15 transactions/monthAccumulation of the first 15 transactions/month Free
Next transactions via Prima/Bersama network (specifically for transfers exceeding the free transaction fee quota or if the previous month's average balance below IDR1,000,000) IDR7,500/trx
Visa network Indonesian Rupiah IDR25,000/trx
United States dollar USD1,5/trx
Singapore dollar SGD$2,5
Japan Yen JPY200
Balance checking (m-Card & x-Card)
BTPN ATMs Free
Prima/Bersama network IDR4,000/trx
Visa network IDR5,000/trx
Debit Transaction
Debit transaction in domestic merchant and e-Commerce Prima/Bersama Free
Visa Free
Debit transaction in international merchant and e-Commerce Visa Free
Debit transaction in e-Commerce (e-Card) Free
Failed Transaction
Debit transaction via EDC in Prima/Bersama network IDR2,000/trx
Visa network IDR5,000/trx
Document & Card Replacement
Print a document and reference letter IDR50,000 (max/day)
Create a new card m-Card and x-Card Free (1 card/year, IDR25,000 afterwards)
e-Card IDR10,000 per card
Interest Rates

Jenius gives you the best interest rates in the market.

Account Type Interest Rates
Main Account (m-Card) 1% p.a.
United States dollar 0% p.a.
Singapore dollar 0% p.a.
Japan yen 0% p.a.
e-Card 1% p.a.
x-Card 1% p.a.
Flexi Saver 5% p.a.
Dream Saver 5% p.a.
Maxi Saver (min IDR10,000,000)
IDR10,000,000 - IDR99,999,999 6.5%*
IDR100,000,000 - IDR499,999,999 6.75%*
≥ IDR500,000,000 7%*

* Interest rates can change at any time according to the LPS guarantee interest rate

Transaction Limit

No need to call or visit the bank. You can change your daily transaction limit right from your smartphone. Here are the limits you need to know:

Type of Transaction Minimum Limit/Transaction Maximum Limit/Transaction Maximum Limit/Days
Send money from Jenius app
Transfer to Jenius/BTPN IDR1 IDR1,000,000,000** IDR1,000,000,000
Transfer to other banks IDR10,001 IDR50,000,000** IDR100,000,000
Transfer to phone numbers or e-mail IDR10,001 IDR10,000,000**
Transfer with SKN IDR50,000,001*** IDR200,000,000** IDR200,000,000
Transfer with RTGS IDR100,000,001
Paying Bills - IDR20,000,000** IDR20,000,000
Top Up e-Wallet Balance
Top-up M-TIX IDR100,000 IDR3,000,000** IDR100,000,000
Top-up GO-PAY, LinkAja, OVO IDR10,001 IDR3,000,000** IDR100,000,000
Transaction at Jenius & BTPN ATMs
Cash withdrawals IDR50,000 IDR3,000,000* IDR15,000,000
Cash deposit IDR10,000 IDR25,000,000* IDR50,000,000
Transaction at ATMs/TCR
Cash withdrawal IDR50,000,000 IDR99,950,000 IDR99,950,000
Cash deposit IDR50,000,000/IDR100,000,000 IDR99,950,000 IDR99,950,000
Transaction at e-Commerce
Transaction with m-Card and e-Card - IDR100,000,000* IDR100,000,000*

* The limit number is adjustable. You can lower [or increase] the limit through the Card Center menu in your Jenius app.

** Any transactions made that exceeds the limit set by you will require authentication. You can set up the required authentication through the Settings option under your Profile.

*** or below [sic] if the transaction amount is larger than the remaining limit of Online Transfer limit.

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