Rates & Limits

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

Tranparent 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. This free of charge is called as Jenius Rewards. The following charges will apply for any subsequent transactions after exceeding the monthly limit.

Jenius Rewards based on average balanced on the previous month:

  • Jenius Level
Minimum balance on the previous month IDR10,000,000
Transfer to other bank through Jenius app 25x
Cash withdrawals at ATM Bersama/Prima 25x
  • Level Smart
Balance on the previous month IDR1,000,000 - IDR9,999,999
Transfer to other bank through Jenius app 15x
Cash withdrawals at ATM Bersama/Prima 5x
  • Level Basic
Balance on the previous month < IDR1,000,000
Transfer to other bank through Jenius app 0
Cash withdrawals at ATM Bersama/Prima 0
  • New user after account activation
Bonus on the first 2 months
Transfer to other bank through Jenius app 25x
Cash withdrawals at ATM Bersama/Prima 25x
For other transactions the following fee applies:
Type of Transaction Personal Business
Feesible (Subscription Fee) IDR10,000 Free
Account opening fee Free Free
Account closure fee Free Free
The initial balance when opening account IDR0 IDR0
Dormant account fee (no transaction during 6 months) Free Free
Fee below the monthly minimum balance No minimum balance No minimum balance
The initial balance when activate the foreign currencies
Currency Personal Business
United States Dollar $10 #N/A
Singapore Dollar S$10 #N/A
Australian Dollar A$10 #N/A
Hong Kong Dollar HK$100 #N/A
British Pound Sterling £10 #N/A
Japanese Yen ¥1,000 #N/A
Euro €10 #N/A
Online Transfer from Jenius app
Transfer to  Jenius and Bank BTPN Free Free
transfer to other banks outside the BI-FAST network (after Jenius Rewards quota runs out) IDR5,000/trx IDR5,000/trx
transfer to other banks in the BI-FAST network (after Jenius Rewards quota runs out) IDR2,500/trx IDR2,500/trx
Transfer with SKN IDR2,900/trx IDR2,900/trx
Transfer with RTGS IDR25,000/trx IDR25,000/trx
Transfer to e-mail IDR3,000/trx #N/A
PLN electricity payment fee IDR1,500/trx #N/A
Mobile data purchase IDR1,500/trx #N/A
Mobile credits topups (all operators) IDR1,500/trx #N/A
Telkomsel Pascabayar bill payment IDR2,000/trx #N/A
Other bill payment Free #N/A
Top Up e-Wallet Balance
Top up DANA IDR0/trx #N/A
Top up M-TIX IDR5,000/trx #N/A
Top up TapCash IDR1,500/trx #N/A
Top up GO-PAY (after Jenius Rewards quota runs out) IDR2,000/trx #N/A
Top up OVO (after Jenius Rewards quota runs out) IDR1,500/trx #N/A
Top up LinkAja (after Jenius Rewards quota runs out) IDR5,000/trx #N/A
Top up ShopeePay (after Jenius Rewards quota runs out) IDR5,000/trx #N/A
Minimum Top Up e-Wallet Balance
GO-PAY, OVO & TapCash IDR10,000 #N/A
LinkAja & ShopeePay IDR10,001 #N/A
M-TIX & DANA IDR100,000 #N/A
Foreign Remittance from Jenius App
Provision fee 0.125% of the total amount Minimum: $10 (equivalent) Maximum: $150 (equivalent) #N/A
Telex fee IDR50,000 (equivalent) #N/A
Full Amount transfer fee* $25 #N/A
Transaction with Jenius Debit Cards (m-Card and x-Cards)
Transfer via ATM
To Jenius/Bank BTPN via ATM BTPN Free #N/A
To other banks via ATM Prima/Bersama IDR6,500/trx #N/A
Cash withdrawals
TCR Jenius Free #N/A
ATM BTPN Free #N/A
ATM Prima/Bersama (after Jenius Rewards quota runs out) IDR7,500 #N/A
m-Card (main card) and x-Card (extra card), at ATM Prima/Bersama
Visa Network
Indonesian Rupiah IDR25,000/trx #N/A
United States Dollar $1.5/trx #N/A
Singapore Dollar S$2.5/trx #N/A
Australian Dollar A$2.5/trx #N/A
Hong Kong Dollar HK$15/trx #N/A
British Pound Sterling £1.5/trx #N/A
Japanese Yen ¥200/trx #N/A
Euro €2/trx #N/A
Balance checking (m-Card & x-Card)
ATM BTPN Free #N/A
ATM Prima/Bersama IDR4,000/trx #N/A
Visa Network IDR5,000/trx #N/A
Debit Transaction
Prima/Bersama/GPN Free #N/A
QRIS Free #N/A
Jenius Pay Free** #N/A
Visa (domestic & international) Free #N/A
E-commerce transactions with m-Card, e-Card and x-Card Free Free (with virtual m-Card)
Failed Transaction
Debit transaction via EDC in Prima/Bersama network IDR2,000/trx #N/A
Visa network IDR5,000/trx #N/A
Document & Card Replacement
Print a document and reference letter IDR50,000 (max/day) IDR50,000 (max/day)
Create new card
m-Card dan x-Card (after 3 additional cards) IDR50,000/card IDR50,000 (virtual m-Card)
e-Card IDR50,000/card #N/A

*Only applicable if you choose the Full Amount option that allows the beneficiary to receive the transfer amount in full. Only available for USD.

**Selected merchants may charge additional fees.

Interest Rates

Jenius gives you the best interest rates in the market.

Account Type Interest Rates
m-Card (Active Balance) 0.5% p.a.
m-Card virtual Akun Bisnis 0.5% p.a.
United States Dollar* 2% p.a.
Singapore Dollar 0% p.a.
Japanese Yen 0% p.a.
British Pound sterling 0% p.a.
Australian Dollar 0% p.a.
Euro 0% p.a.
Hong Kong Dollar 0% p.a.
e-Card 0% p.a.
x-Card 0% p.a.
Flexi Saver 2.5% p.a.
Dream Saver 2.5% p.a.
Maxi Saver** (min IDR10,000,000)
IDR10.000.000 – IDR49.999.999 4% p.a.
IDR50.000.000 – IDR249.999.999 4.25% p.a.
≥IDR250,000,000 4.5% p.a.

*Valid from November to December 2022.

**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:

  • Minimum Limit/Transaction
Send money from Jenius app
Transfer to Jenius/BTPN -
Transfer to other banks IDR10,001
Transfer to e-mail IDR10,001
Transfer with SKN IDR50,000,001***
Transfer with RTGS IDR100,000,001
Paying Bills -
Top Up e-Wallet Balance
GO-PAY, OVO & TapCash IDR10,000 #N/A
LinkAja & ShopeePay IDR10,001 #N/A
M-TIX & DANA IDR100,000 #N/A
Buy, Sell and Send Foreign Currency on Jenius App
United States dollar $1
Singapore dollar S$1
Japanese yen ¥1
Euro €1
Australian dollar A$1
Hong Kong dollar HK$1
British pound sterling £1
Transaction at BTPN ATMs
Cash withdrawals IDR50,000
Transfer IDR10,000
Transaction at ATMs/TCR
Cash withdrawals IDR50,000
Cash deposit IDR50,000/IDR100,000
Transaction at e-Commerce & merchant
Transaction with m-Card and e-Card***** -
Transaction with Jenius Pay -
QRIS transactions IDR1,000
  • Maximum Limit/Transaction
Send money from Jenius app
Transfer to Jenius/BTPN IDR1,000,000,000**
Transfer to other banks IDR50,000,000**
Transfer to e-mail IDR10,000,000**
Transfer with SKN IDR200,000,000**
Transfer with RTGS IDR200,000,000**
Paying Bills IDR100,000,000**
Top Up e-Wallet Balance
Top up M-TIX, GO-PAY, LinkAja, OVO, DANA, ShopeePay TapCasch IDR1,500,000**
Foreign Currency Transaction on Jenius App
Buy None, as long as no less than 3% of Rupiah Active Balance is left after each transaction
Sell $249.000 (equivalent)
Send $100.000 (equivalent)
Transaction at BTPN ATM
Cash withdrawals IDR50,000
Transfer IDR10,000
Transaction at ATMs/TCR
Cash withdrawals IDR99,950,000
Cash deposit IDR50,000/IDR100,000
Transaction at e-Commerce & merchant
Transaction with m-Card and e-Card***** IDR100,000,000*
Transaction with Jenius Pay IDR100,000,000*
QRIS transactions IDR5,000,000*
  • Maximum Limit/day
Send money from Jenius app
Transfer to Jenius/BTPN IDR1,000,000,000**
Transfer to other banks IDR100,000,000
Transfer to e-mail IDR100,000,000
Transfer with SKN IDR200,000,000
Transfer with RTGS IDR200,000,000
Paying Bills IDR100,000,000
Top Up e-Wallet Balance
Top up M-TIX, GO-PAY, LinkAja, OVO, DANA, ShopeePay, TapCash IDR100,000,000
Foreign Currency Transaction on Jenius App
Buy Accumulated transactions of $90,000 (equivalent) per month for all foreign currencies
Sell #N/A
Send #N/A
Transaction at ATM BTPN
Cash withdrawals IDR15,000,000
Transfer IDR50,000,000
Transaction at ATMs/TCR
Cash withdrawals IDR99,950,000
Cash deposit IDR99,950,000
Transaction at e-Commerce & merchant
Transaction with m-Card and e-Card***** IDR100,000,000*
Transaction with Jenius Pay IDR100,000,000*
QRIS transactions IDR100,000,000*

* The limit number is adjustable. You can lower [or increase] the limit through the Card Center menu in your Jenius app. The limit include transaction abroad using Visa network.

** 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.

**** The calculation of the billing transaction limit is only calculated from biller transactions, not including card payment transactions at EDC or JeniusPay.

***** Limits are divided into domestic (max. IDR 1,000,000/transaction) and international (max. IDR 3,000,000 or equivalent/transaction).

Types of Transaction Amount
Rates
Transaction rate 21% p.a.*
Split Pay rate Max 21% p.a.
Fees
Main card (d-Card) annual fee Free of charge in the first year, free of charge for the following year with cumulative transactions ≥ IDR 30,000,000/year
IDR 500,000 with cumulative transactions < IDR 30,000,000/year in the following year
Supplementary card (s-Card) annual fee Free of charge in the first year, free of charge for the following year with cumulative transactions ≥ IDR 15,000,000/year/card
IDR 250,000/card with cumulative transactions < IDR 15,000,000/year/card in the following year
Card replacement fee IDR 50,000/card
Yearly statement fee IDR 300,000/statement
Copy of sales draft IDR 75,000/copy
ATM withdrawal 2% of total transactions (min IDR 50,000)
Bill payment through Jenius Application/BTPN ATM Free of charge
Stamp duty fee Free of charge for bill payment ≤ IDR 5.000.000
IDR 10,000 for bill payment > IDR 5,000,000
Credit guard insurance 0.55%**
Overlimit penalty IDR 100,000/cycle***
Late payment penalty 1% of the total bill (max IDR 100,000)
Early Split Pay termination penalty 3% of the remaining principal payment (min IDR 100,000)
Limit
Minimum payment 5% of the total bill****
Minimum credit limit IDR 2,000,000
Maximum credit limit IDR 200,000,000 - IDR 500,000,000
Yay Points expiry 24 months
 
*Based on 365 days/year, following the PBI **Calculated from the total bill plus the remaining principal payment ***One cycle is the time period between the billing statements, from 1 day after the billing date in this month until the next month's billing date ****If the total billed amount ≤ Rp50.000, the minimum payment follows the amount stated in the bill

Fees, 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. This free of charge is called as Jenius Rewards. The following charges will apply for any subsequent transactions after exceeding the monthly limit. Jenius Rewards based on average balanced on the previous month:

  • Jenius Level
Minimum balance on the previous month IDR10,000,000
Transfer to other bank through Jenius app 25x Cash withdrawals at ATM Bersama/Prima 25x
  • Level Smart
Balance on the previous month IDR1,000,000 - 9,999,999
Transfer to other bank through Jenius app 15x Cash withdrawals at ATM Bersama/Prima 5x
  • Level Basic
Balance on the previous month < IDR1,000,000
Transfer to other bank through Jenius app 0 Cash withdrawals at ATM Bersama/Prima 0
  • New user after account activation
Bonus on the first 2 months
Transfer to other bank through Jenius app 25x Cash withdrawals at ATM Bersama/Prima 25x
For other transactions the following fee applies:
Type of Transaction Transaksi Fee
Personal Business
Feesible (Subscription Fee) IDR10,000 Free
Account opening fee Free Free
Account closure fee Free Free
The initial balance when opening account IDR0 IDR0
The initial balance when activating foreign currencies United States Dollar $10 #N/A
Singapore Dollar S$10 #N/A
Australian Dollar A$10 #N/A
Hong Kong Dollar HK$100 #N/A
British Pound Sterling £10 #N/A
Japanese Yen ¥1,000 #N/A
Euro €10 #N/A
Dormant account fee (no transaction during 6 months) Free Free
Fee below the monthly minimum balance No minimum balance No minimum balance
Online Transfer from Jenius app
Transfer to Jenius and Bank BTPN Free Free
Transfer to other banks outside the BI-FAST network (after Jenius Rewards quota runs out) IDR5,000/trx IDR5,000/trx
Transfer to other banks in the BI-FAST network (after Jenius Rewards quota runs out) IDR2,500/trx IDR2,500/trx
Transfer with SKN IDR2,900/trx IDR2.900/trx
Transfer with RTGS IDR25,000/trx IDR25,000/trx
Transfer to e-mail IDR3,000/trx #N/A
PLN electricity payment fee IDR1,500/trx #N/A
Mobile data purchase IDR1,500/trx #N/A
Mobile credits topups (all operators) IDR1,500/trx #N/A
Telkomsel Pascabayar bill payment IDR2,000/trx #N/A
Other bill payment Free #N/A
Top up saldo e-Wallet
Top up DANA IDR0/trx #N/A
Top up M-TIX IDR5,000/trx #N/A
Top up TapCash IDR1,500/trx #N/A
Top up GO-PAY (after Jenius Rewards quota runs out) IDR2,000/trx #N/A
Top up OVO (after Jenius Rewards quota runs out) IDR1,500/trx #N/A
Top up LinkAja (after Jenius Rewards quota runs out) IDR5,000/trx #N/A
Top up ShopeePay (after Jenius Rewards quota runs out) IDR5,000/trx #N/A
Minimum top up e-Wallet GO-PAY, OVO & TapCash IDR10,000 #N/A
M-TIX & DANA IDR100,000 #N/A
LinkAja & ShopeePay IDR10,001 #N/A
Foreign Remittance from Jenius App
Provision fee 0,125% of the total amount Minimum: $10 (equivalent) Maximum: $150 (equivalent) #N/A
Telex Fee IDR50.000 (equivalent) #N/A
Full Amount transfer fee* $25 #N/A
Transaction with Jenius Debit Cards (m-Card and x-Cards)
Transfer via ATM
To Jenius/Bank BTPN via ATM BTPN Free #N/A
To other banks via ATM Prima/Bersama IDR6,500/trx #N/A
Cash withdrawals
TCR Jenius Free #N/A
ATM BTPN Free #N/A
ATM Prima/Bersama (after Jenius Rewards quota runs out) IDR7,500/trx #N/A
Visa Network Indonesian Rupiah IDR25,000/trx #N/A
United States Dollar $1.5/trx #N/A
Singapore Dollar S$2.5/trx #N/A
Australian Dollar A$2.5/trx #N/A
Hong Kong Dollar HK$15/trx #N/A
British Pound Sterling £1.5/trx #N/A
Japanese Yen ¥200/trx #N/A
Euro €2/trx #N/A
Balance checking (m-Card & x-Card)
ATM BTPN Free #N/A
ATM Prima/Bersama IDR4,000/trx #N/A
Visa Network IDR5,000/trx #N/A
Debit Transaction
Debit transaction in domestic merchant Prima/Bersama/GPN Free #N/A
Visa Free #N/A
QRIS Free #N/A
Jenius Pay Free** #N/A
Debit transaction in international merchant Visa Free #N/A
E-commerce transactions with m-Card, e-Card and x-Card Free Free (with virtual m-Card)
Failed Transaction
Debit transaction via EDC in Prima/Bersama network IDR2,000/trx #N/A
Visa Network IDR5,000/trx IDR5,000/trx
Document and Card Replacement
Print a document and reference letter IDR50,000 (max/day) IDR50,000 (max/day)
New card m-Card dan x-Card IDR50,000/card IDR50,000 (virtual m-Card)
e-Card IDR50,000 per kartu #N/A

*Only applicable if you choose the Full Amount option that allows the beneficiary to receive the transfer amount in full. Only available for USD.

**Selected merchants may charge additional fees.

Interest Rates

Jenius gives you the best interest rates in the market.

Account Type Interest Rates
m-Card (Active Balance) 0.5% p.a.
m-Card virtual Akun Bisnis 0.5% p.a.
United States Dollar* 2% p.a.
Singapore Dollar 0% p.a.
Japanese Yen 0% p.a.
British Pound sterling 0% p.a.
Australian Dollar 0% p.a.
Euro 0% p.a.
Hong Kong Dollar 0% p.a.
e-Card 0% p.a.
x-Card 0% p.a.
Flexi Saver 2.5% p.a.
Dream Saver 2.5% p.a.
Maxi Saver** (min IDR10,000,000)
IDR10.000.000 – IDR49.999.999 4% p.a.
IDR50.000.000 – IDR249.999.999 4.25% p.a.
≥IDR250,000,000 4.5% p.a.

*Valid from November to December 2022.

**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 - IDR1,000,000,000** IDR1,000,000,000
Transfer to other banks IDR10,001 IDR50,000,000** IDR100,000,000
Transfer to 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 - IDR100,000,000** IDR100,000,000
Top Up e-Wallet Balance
Top up M-TIX & DANA IDR100,000 IDR1,500,000** IDR100,000,000
Top up GO-PAY, OVO & TapCash IDR10,000 IDR1,500,000** IDR100,000,000
Top up LinkAja & ShopeePay IDR10,001 IDR1,500,000** IDR100,000,000
Buy Foreign Currency on Jenius App
United States dollar $1 None, as long as no less than 3% of Rupiah Active Balance is left after each transaction Accumulated transactions of $90,000 (equivalent) per month for all foreign currencies
Singapore dollar S$1
Japanese yen ¥1
Euro €1
Australian dollar A$1
Hong Kong dollar HK$1
British pound sterling £1
Sell Foreign Currency on Jenius App
United States dollar $1 $249.000 (equivalent) N/A
Singapore dollar S$1
Japanese yen ¥1
Euro €1
Australian dollar A$1
Hong Kong dollar HK$1
British pound sterling £1
Send Foreign Currency from Jenius App
United States dollar $1 $100.000 (equivalent) N/A
Singapore dollar S$1
Japanese yen ¥1
Euro €1
Australian dollar A$1
Hong Kong dollar HK$1
British pound sterling £1
Transaction at BTPN ATMs and other banks
Cash withdrawals IDR50,000 IDR3,000,000* IDR15,000,000
Transfer IDR10,000 IDR25,000,000* IDR50,000,000
Transaction at ATMs/TCR
Cash withdrawals IDR50,000 IDR99,950,000 IDR99,950,000
Cash deposit IDR50,000/IDR100,000 IDR99,950,000 IDR99,950,000
Transaction at e-Commerce & merchant
Transaction with m-Card and e-Card***** - IDR100,000,000* IDR100,000,000*
Transaction with Jenius Pay - IDR100,000,000* IDR100,000,000*
QRIS Transaction IDR1,000 IDR5,000,000* IDR100,000,000*

* The limit number is adjustable. You can lower [or increase] the limit through the Card Center menu in your Jenius app. The limit include transaction abroad using Visa network.

** 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.

**** The calculation of the billing transaction limit is only calculated from biller transactions, not including card payment transactions at EDC or JeniusPay.

***** Limits are divided into domestic (max. IDR 1,000,000/transaction) and international (max. IDR 3,000,000 or equivalent/transaction).

Types of Transaction Amount
Rates
Transaction rate 21% p.a.*
Split Pay rate Max 21% p.a.
Fees
Main card (d-Card) annual fee Free of charge in the first year, free of charge for the following year with cumulative transactions ≥ IDR 30,000,000/year
IDR 500,000 with cumulative transactions < IDR 30,000,000/year in the following year
Supplementary card (s-Card) annual fee Free of charge in the first year, free of charge for the following year with cumulative transactions ≥ IDR 15,000,000/year/card
IDR 250,000/card with cumulative transactions < IDR 15,000,000/year/card in the following year
Card replacement fee IDR 50,000/card
Yearly statement fee IDR 300,000/statement
Copy of sales draft IDR 75,000/copy
ATM withdrawal 2% of total transactions (min IDR 50,000)
Bill payment through Jenius Application/BTPN ATM Free of charge
Stamp duty fee Free of charge for bill payment ≤ IDR 5.000.000
IDR 10,000 for bill payment > IDR 5,000,000
Credit guard insurance 0.55%**
Overlimit penalty IDR 100,000/cycle***
Late payment penalty 1% of the total bill (max IDR 100,000)
Early Split Pay termination penalty 3% of the remaining principal payment (min IDR 100,000)
Limit
Minimum payment 5% of the total bill****
Minimum credit limit IDR 2,000,000
Maximum credit limit IDR 200,000,000 - IDR 500,000,000
Yay Points expiry 24 months
*Based on 365 days/year, following the PBI **Calculated from the total bill plus the remaining principal payment ***One cycle is the time period between the billing statements, from 1 day after the billing date in this month until the next month's billing date ****If the total billed amount ≤ Rp50.000, the minimum payment follows the amount stated in the bill