Rates & Limits

With Jenius, everything is fully transparent and there is no hidden costs. You only need to pay for what you need to pay.

Transparent Fees

After joining Jenius, you will get free 25 interbank transfer via Jenius app and free 25 cash withdrawal using ATM Bersama/Prima network in Indonesia every month. For any transactions more than the limits provided, the following charges will apply:

TRANSACTION TYPE FEE
Online Transfer via App
The first 25 transaction every month Free
For the next transaction to other bank IDR3,000/trx
Transfer via SKN IDR3,000/trx
Transfer via RTGS IDR20,000/trx
Send It to mobile numbers & emails IDR3,000/trx
Transfer Via ATM (with m-card and x-card)
Prima/Bersama Network IDR6,500/trx
Cash Withdrawal
The first 25 transactions using both m-Card (main card) and x-Card (extra card) combined on any ATM Prima/Bersama Network every month Free
ATM BTPN Free
The next transaction on Prima/Bersama Network IDR7,500/trx
Visa Networks IDR25,000/trx
Balance Inquiry (m-Card and x-Card)
Via Jenius App Free
ATM BTPN Free
Prima/Bersama Network IDR4,000/trx
Visa Network IDR5,000/trx
Failed Transaction
Debit via EDC on Prima Network IDR2,000/trx
Visa Network IDR5,000/trx
Document & Card Replacement Fees
Document Request IDR50,000 (max/day)
Card Replacement Free (1 Card/year, IDR25,000 after)

Online Transfer via App

  • The first 25 transaction every month

    • Free

  • For the next transaction to other bank

    • IDR3,000/trx

  • Transfer via SKN

    • IDR3,000/trx

  • Transfer via RTGS

    • IDR20,000/trx

  • Send It to mobile numbers & emails

    • IDR3,000/trx

Transfer Via ATM
(with m-card and x-card)

  • Prima/Bersama Network

    • IDR6,500/trx

Cash Withdrawal

  • The first 25 transactions using both m-Card (main card) and x-Card (extra card) combined on any ATM Prima/Bersama Network every month

    • Free

  • ATM BTPN

    • Free

  • The next transaction on Prima/Bersama Network

    • IDR7,500/trx

  • Visa Networks

    • IDR25,000/trx

Balance Inquiry
(m-Card and x-Card)

  • Via Jenius App

    • Free

  • ATM BTPN

    • Free

  • Prima/Bersama Network

    • IDR4,000/trx

  • Visa Network

    • IDR5,000/trx

Failed Transaction

  • Debit via EDC on Prima Network

    • IDR2,000/trx

  • Visa Network

    • IDR5,000/trx

Document & Card Replacement Fees

  • Document Request

    • IDR50,000 (max/day)

  • Card Replacement

    • Free (1 Card/year, IDR25,000 after)

Interest Rates

Jenius provides the best interest rates possible.

ACCOUNT TYPE INTEREST RATES
Main Account (Active Balance or m-Card) 1% 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)
     ≤ IDR99,999,999      5.75%*
     ≥ IDR100,000,000      6%*
*Interest earned is subject to tax.
*Interest rate can change anytime with or without prior notification.
*The interest rate is applicable for a Maxi Saver after June 8, 2018.

Main Account (Active Balance or m-Card)

  • 1% 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 Rp10.000.000)

  • ≤ Rp99.999.999 = 5.75%*

    ≥ Rp100.000.000 = 6%*

*Interest earned is subject to tax.
*Interest rate can change anytime with or without prior notification.
*The interest rate is applicable for a Maxi Saver after June 8, 2018.

Transaction Limit

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

Transaction Type Minimum Limit Maximum Limit/Transaction Maximum Limit/Day
Send money from Jenius app
Transfer to Jenius/BTPN IDR1,000,000,000 IDR1,000,000,000
Transfer to other bank IDR10,001 IDR50,000,000 IDR100,000,000
Transfer through mobile number or e-mail IDR10,001 IDR10,000,000
Transfer via SKN IDR50,000,001*** IDR200,000,000 IDR200,000,000
Transfer via RTGS IDR100,000,001
Bill payment IDR20,000,000 IDR20,000,000
ATM Transaction
Withdraw IDR50,000/IDR100,000 Depends on the ATM IDR15,000,000*
Transfer IDR10,000 IDR25,000,000 IDR50,000,000**
TCR Transaction
Withdraw IDR50,000 IDR99,950,000 IDR99,950,000
Deposit money IDR50,000/IDR100,000 IDR99,950,000 IDR99,950,000
e-Commerce Transaction
Using m-Card and e-Card IDR100,000,000* IDR100,000,000*
* The number is adjustable. You can lower the limit by accessing Card Center in your Jenius app.
** Any transaction above the limit set by the user will require password. The transaction authentication can be set by accessing Profile > Settings.
*** or below if the transaction amount is larger than remaining limit of Online Transfer limit

Send money from Jenius app

  • Transfer to Jenius/BTPN

    • Minimum Limit

    • Maximum Limit/Transaction
      IDR1,000,000,000

    • Maximum Limit/Day
      IDR1,000,000,000

  • Transfer to other bank, mobile number or e-mail

    • Minimum Limit
      IDR10,001

    • Maximum Limit/transaction to other bank
      IDR50,000,000

      Maximum Limit/transaksi through mobile number or e-mail
      IDR10,000,000

    • Maximum Limit/Day (accumulation)
      IDR100,000,000

  • Transfer via SKN

    • Minimum Limit
      IDR50,000,001***

    • Maximum Limit/Transaction
      IDR200,000,000

    • Maximum Limit/Day
      IDR200,000,000

  • Transfer via RTGS

    • Minimum Limit
      IDR100,000,001***

    • Maximum Limit/Transaction
      IDR200,000,000

    • Maximum Limit/Day
      IDR200,000,000

  • Bill payment

    • Minimum Limit

    • Maximum Limit/Transaction
      IDR20,000,000

    • Maximum Limit/Day
      IDR20,000,000

ATM Transaction

  • Withdraw

    • Minimum Limit
      IDR 50,000/IDR 100,000

    • Maximum Limit/Transaction
      Depends on ATM

    • Maximum Limit/Day
      IDR 15,000,000*

  • Transfer

    • Minimum Limit
      IDR10,000

    • Maximum Limit/Transaction
      IDR25,000,000

    • Maximum Limit/Day
      IDR50,000,000**

TCR Transaction

  • Withdraw

    • Minimum Limit
      IDR50,000

    • Maximum Limit/Transaction
      IDR99,950,000

    • Maximum Limit/Day
      IDR99,950,000

  • Deposit Money

    • Minimum Limit
      IDR50,000/IDR100,000

    • Maximum Limit/Transaction
      IDR99,950,000

    • Maximum Limit/Day
      IDR99,950,000

e-Commerce Transaction

  • Using m-Card and e-Card

    • Minimum Limit

    • Maximum Limit/Transaction
      IDR100,000,000*

    • Maximum Limit/Day
      IDR100,000,000**

* The number is adjustable. You can lower the limit by accessing Card Center in your Jenius app.
** Any transaction above the limit set by the user will require password. The transaction authentication can be set by accessing Profile > Settings.
*** or below if the transaction amount is larger than remaining limit of Online Transfer limit