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:
| Minimum balance on the
previous
month IDR10,000,000 |
| Transfer to other bank through Jenius app |
25x |
| Cash withdrawals at ATM Bersama/Prima |
25x |
| 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 |
| 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* |
| 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
