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* |
| Account opening fee |
Free |
Free |
| Account closure fee |
Free |
Free |
| The initial balance when opening account |
IDR0 |
IDR0 |
| Minimum balance when requesting print/delivery of m-Card |
IDR500,000 |
#N/A |
| 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 |
|
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 bank (after Jenius Rewards quota runs out) |
IDR5,000/trx |
IDR5,000/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 Top Up fee for all operators |
IDR1,500/trx |
IDR1,500 |
| Other bill payment |
Free |
Free |
| 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 ShopeePay (after Jenius Rewards quota runs out) |
IDR5,000/trx |
#N/A |
| Top up GO-PAY (after Jenius Rewards quota runs out) |
IDR2,000/trx |
#N/A |
| Top up OVO |
IDR1,500/trx |
#N/A |
| Top up LinkAja (after Jenius Rewards quota runs out) |
IDR5,000/trx |
#N/A |
| Minimum Top Up e-Wallet Balance |
| GO-PAY |
IDR10,000 |
#N/A |
| LinkAja |
IDR10,001 |
#N/A |
| OVO |
IDR10,000 |
#N/A |
| M-TIX & DANA |
IDR100,000 |
#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 |
| Debit transaction in e-Commerce with m-Card, e-Card & 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 and x-Card (after 3 additional cards) |
IDR50,000/card |
IDR50,000 (virtual m-Card) |
| e-Card |
IDR50,000/card |
#N/A |
*Started on January 2021
**Some 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 |
0% 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) |
| min IDR10,000,000 |
4% p.a.* |
* 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 |
IDR10,000 |
#N/A |
| LinkAja |
IDR10,001 |
#N/A |
| OVO |
IDR10,000 |
#N/A |
| M-TIX & DANA |
IDR100,000 |
#N/A |
| TapCash |
IDR10,000 |
#N/A |
| ShopeePay |
IDR11,000 |
#N/A |
| Transaction at ATM |
| Cash withdrawals |
IDR50,000 |
| Transfer |
IDR10,000 |
| Transaction at 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 |
- |
- 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, TapCasch |
IDR1,500,000** |
| Transaction at ATM |
| Cash withdrawals |
IDR3,000,000* |
| Transfer |
IDR25,000,000* |
| Transaction at 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* |
| 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, TapCash |
IDR100,000,000 |
| Transaction at ATM |
| Cash withdrawals |
IDR15,000,000 |
| Transfer |
IDR50,000,000 |
| Transaction at 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* |
* 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.
***** Visa Contactless limits are divided into domestic (max. IDR 1,000,000/transaction) and international (max. IDR 3,000,000 or equivalent/transaction).
