Get Help
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 | |
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
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.