Terms and Conditions

Please read the following Terms and Conditions carefully.

Your instructions will be received by us digitally

  • All your banking instructions will come from Mobile Application.
  • You will be required to authorize your instructions using various types of security information (e.g. PIN, username, password, and token) when necessary. You are solely responsible for the use and the confidentiality of all the security information used for the transaction. Please ensure that you do not share your security information to other parties including the bank staff.
  • After the authorization process is completed, we will then execute your instructions.
  • You understand and agree to the method of sending information electronically through your personal means, and which is used to send your data according to instructions to the Bank and all the risks involved.
  • You declare that you agree to receive and/or give instructions digitally to the Bank and take full responsibility and release the Bank from all losses that arise.

Your Personal Data

  • According to the rules of OJK (Otoritas Jasa Keuangan/Indonesian Financial Services Authority), you will be required to provide personal data when opening an account in our bank.
  • To access ATM, Jenius Live, and Branch Office location, you are willing to authorize the Bank to access the User’s location through the GPS (Global Positioning System) installed on the User’s Cellular Phone.
  • Please ensure that the information provided is correct and accurate. Please kindly update your information when there are changes to your personal information.
  • We ensure that your personal data will be kept confidential and secure. The use of your personal data will comply with the applicable provision.
  • You are obliged to inform and provide data updates to the Bank. The changes will only apply if they have been accepted and/or approved by the Bank. In the event that the Bank has not received any information regarding the data changes, the Bank will use the existing Customer Data recorded in the Bank’s system.
  • You shall accept any consequences and/or losses which may arise from the Customer negligence in updating the Data to the Bank.
  • You understand that the Bank can exchange your data and/or information in the event that there is an obligation for the Bank to provide it to another party based on applicable provisions.

We understand you

  • We will always inform you about any of our products/services, including the changes in our Terms and Conditions according to the applicable provisions.
  • If you do not agree to the changes after notification has been made, you have the right to end the use of our products and/or services. However, if up to the time period that we convey in the notification you do not submit an objection/confirmation of disagreeing with the change, then you are deemed to have agreed to the change in the Terms and Conditions.
  • We have the table of transaction fees, interest and limits available on our website at www.jenius.com/rates-and-limits. We have created the list briefly so that you can understand it easily.
  • We have conveyed general Product Information which you may access at www.jenius.com, Appstore, and/or Playstore, and you will receive it personally through your personal email communication media, so that you could understand the products and/or services provided by the Bank to you.
  • For a mutual understanding between you and the bank, please read through the entire Terms and Conditions or any other provisions on our site at www.jenius.com/terms-and-conditions, according to the specific service you may obtain so that you hereby acknowledge that you have read the entire Terms and Conditions when you apply for the service, and you understand and fully agree to all the provisions of these Terms and Conditions. If you do not agree to the terms and/or contents of these Terms and Conditions, or cannot fully understand the interpretation of these terms, then please do not continue to follow these Terms and Conditions.
  • For further questions or input regarding Jenius, Jenius Help (Jenius Help: Telephone 1-500-365, Email [email protected]) are available to serve you 24/7. By using Jenius Help service you hereby allow the Bank to take notes or record your conversations with the Bank.

I. Definition

  1. “Bank” is PT BANK BTPN Tbk., located in South Jakarta, covering the head office and branch offices, as well as other offices and Customer Care.
  2. “Jenius” is a product of electronic banking service produced by the Bank.
  3. “Account” is a Jenius savings account opened independently by the Customer, upon obtaining approval from the Bank.
  4. “Customer” means an individual registered with Jenius.
  5. “Main Account” is a bank account used for daily banking transactions and linked to a debit card that is issued physically and known as the “m-Card”.
  6. “Cashtag” is the customer’s personal, unique, and safe identification that serves as the Jenius name and Account in the Bank. For product summary can be accessed via www.jenius.com/app/pay/send-it.
  7. “Card Center” is how to manage debit cards from card requests, card activation, top up and refunds, blocking and deleting cards, changing PINs and limits as well as checking transaction history. For product summary can be accessed via www.jenius.com/app/control/card-center.
  8. “m-Card” is the main debit card, with m-Card, customers can withdraw cash at Prima/Bersama/overseas ATMs and make online/offline transactions at all Visa merchants. For product summary can be accessed via www.jenius.com/cards.
  9. “e-Card” is a virtual card that is activated simultaneously with the Main Account. The e-Card is specially designed for online transactions such as for online shopping at e-commerce sites. Customer can determine the amount of funds put into the card. For product summary can be accessed via www.jenius.com/cards.
  10. “x-Card” is an additional card that can be requested by the customer as an addition to the Main Card (m-Card). Customer can determine the amount of funds put into the card. For product summary can be accessed via www.jenius.com/cards.
  11. “Flexi Saver” is an additional saving account, which is a flexible saving account where the Customer can freely deposit and withdraw their money without being a subject to terms concerning the time period. For product summary can be accessed via www.jenius.com/app/save/flexi-saver.
  12. “Dream Saver” is an additional saving account in which the target fund and the target date are set by the Customer. For product summary can be accessed via www.jenius.com/app/save/dream-saver.
  13. “Maxi Saver” is a term deposit product/funding that can be withdrawn by Customer in tenor set by Customer. For product summary can be accessed via www.jenius.com/app/save/maxi-saver.
  14. “Send It” is a feature to send money to individuals or groups. This feature is, among others, also used for transfers between banks or transfers to other banks, transfers to e-commerce or transfers to virtual e-commerce accounts, pay PLN electricity bills, buy electricity tokens, pay PDAM water bills, pay telephone bills, pay credit cards, trains, finpay, charity/donation/zakat, internet, buy credit or top up credit with scheduling/recurring menu options. For product summary can be accessed via www.jenius.com/app/pay/send-it.
  15. “e-Wallet center” is a feature to help you to top up e-Wallets with physical cards and e-Wallets without physical cards. For e-Wallets with physical cards, the top up mechanism is by tapping the card to customer’s device, then Jenius will access the data information inside the e-Wallet card. For e-Wallets without physical cards, top up can be done by transferring the amount to customer’s e-Wallet. This feature is supported by a direct connection with a digital wallet issuer, e-money issuer, or with an aggregator or with a virtual account. For product summary can be accessed via www.jenius.com/app/pay/e-wallet.
  16. “Pay Bills” is a feature to help you taking care of paying routine bills (billers) such as electricity, water, telephone, credit card bills, etc., including purchasing/top-up credit and data packages.   For product summary can be accessed via www.jenius.com/app/pay/tagihan.
  17. “Jenius QR” is a payment feature using QR code method with the QRIS standard. For product summary can be accessed via www.jenius.com/app/pay/jenius-qr.
  18. “Jenius Pay” is a payment method at online merchants using the customer’s $Cashtag. For product summary can be accessed via www.jenius.com/app/pay/jenius-pay.
  19. “Pay Me” is a feature to send money requests. Product detail information of this feature can be accessed via www.jenius.com/app/pay/pay-me.
  20. “Split Bill” is a feature to split bills fairly. For product summary can be accessed via www.jenius.com/app/pay/split-bill.
  21. “Mutual Fund” is a place to collect public funds managed by a legal entity called the Investment Manager, to be invested in securities such as: stocks, bonds and money market instruments. For product summary can be accessed via www.jenius.com/app/investasi/reksa-dana.
  22. “Remittance” is a banking service for customers in the form of receiving and sending funds in foreign currency to fellow Jenius users or other banks (domestic and overseas) according to the currency available and the operating hours that apply to the Jenius application. For product summary can be accessed via www.jenius.com/cards/foreign-currency.
  23. “FCY” is a feature to help you manage deposits in foreign currencies according to available currencies and operating hours following the strategy that will be implemented by Jenius. For product summary can be accessed via www.jenius.com/cards/foreign-currency.
  24. “Moneytory” is a financial diary to help you manage your cash flow simply so that your lives and finances become healthier. For product summary can be accessed via www.jenius.com/app/control/moneytory.
  25. “In & Out” is to record all incoming/outgoing money transactions in an Active Balance, as well as recording all scheduled transactions and a list of requests for money that you have sent.  For product summary can be accessed via www.jenius.com/app/control/in-out.
  26. “e-Statement” is all records of financial transactions that you make on the Mobile Application or Jenius Debit Card. For product summary can be accessed via www.jenius.com/app/control/e-statement.
  27. “Split Pay” is a feature to convert transactions that have been made into installments. For product summary can be accessed via www.jenius.com/app/kelola-transaksi/split-pay.
  28. “Jenius Credit Card” is a Card-Based Payment Instrument (APMK), which can be used to make payments that arise from a transaction, including to make cash withdrawals, where the card payment obligation is fulfilled first by the Bank and the Cardholder is obliged to make payments to the Bank in a lump sum or installments. The Jenius Credit Card consists of the Main Card (Primary Card, also known as d-Card in the Jenius application), and Supplementary Card, also known as s-Card in the Jenius application. For product summary can be accessed via www.jenius.com/app/credit/kartu-kredit.
  29. “Flexi Cash” is Loan Facility provided by BANK to DEBTOR in the form of credit fund limit that can be withdrawn flexibly according to the needs and capabilities of the DEBTOR. For product summary can be accessed via www.jenius.com/app/fund/flexi-cash.
  30. “Jenius Paylater” is a Loan Facility provided by BANK to DEBTOR which allows the DEBTOR to make purchases and then settle them in the following month. For product summary can be accessed via www.jenius.com/app/kelola-transaksi/paylater.
  31. “Mobile Application (Jenius app)” is a downloaded and installed Jenius application on the customer’s smartphone.
  32. “Login” is an authorization process used by the Customer to access the menu in the Mobile Application.
  33. “Login Fingerprint (One Touch)” or “Face Recognition/Face ID” is an authorization process used by the customer to access the Mobile Application that is only available for customers whose smartphones are equipped with the biometric scanner feature.
  34. “Jenius Live” is a customer service point in the form of flagship branch, standalone branch, shop-in-shop, exhibition, and/or other similar forms.
  35. “ATM” is the Automatic Teller Machine.
  36. “CDM” is the Card Dispensing Machine that is located at selected Jenius Live determined by the Bank.
  37. “Customer Care (Jenius Help)”is a customer service center that can be contacted through phone calls, email, and/or chat.
  38. “Device” refers to all electronic, wireless, communication, transmission, or telecommunication tools, hardware or media including and not limited to the Internet, computer or mobile tools, devices, terminal or system that may be required to access and use Jenius.
  39. “Jenius Face Recognition” is a technology that could identify a person actually. This technology uses AI (Artificial Intelligence) to recognize a human’s face that has been registered to Jenius’ system. This technology is utilized for verification process, including but not limited to the unlink device process.
  40. “Unlink Device” is a process needed to remove a device that is still linked to a Jenius account before a customer can login with another device.
  41. “Partner Bank” is a party that cooperates either directly or indirectly with Bank BTPN to process transactional instructions, including switching, acquiring, recipient, and bank correspondent.

II. Conditions of Use

  1. The following requirements must be fulfilled in order to register to Jenius:
    1. Be at least 17 years old or more;
    2. Have the authority to take legal action to sign a binding agreement with the bank and is not prohibited to do so under the applicable laws, and
    3. An Indonesian Citizen.
  2. Registration can only be made using the Mobile Application which can be downloaded through the Apple store and Google play store. Therefore, the (prospective) customers have to own smartphone with minimum criteria set by the Bank and have an active and valid email and Indonesian phone number to get the verification code that will be sent by the Bank.
  3. As part of the registration process, the Indonesian ID Card (KTP) and Tax ID (NPWP) have to be uploaded in the form of an original photo and be submitted using smartphone camera through the Mobile Application. The customer is required to provide correct information regarding income lower than IDR 5.000.000,-, as a statement of ownership / NPWP obligations. However, the Tax ID (NPWP) information can be submitted later after Customer finishes the registration process. If the Tax ID information has not been submitted to the Bank during the registration process, the information must be submitted to the Bank within 14 (fourteen) calendar days after the initial registration using the Mobile Application in the Edit Profile menu.
  4. As a precondition, the customer has to provide an active personal email address and phone number that has a sufficient capacity to receive messages that will be sent by Jenius. The Bank is not responsible for the validity, ownership, activity, and the capacity of the e-mail address and phone number.
  5. After the registration process is completed through the Mobile Application, the Main Account will be opened by the Bank. In the beginning, the Main Account will not be active, which means that the customer can only store and/or transfer fund to the Main Account. Other activities such as money withdrawal and/or money transfer from the account can only be performed after the Bank has completed the verification process in accordance to the Bank’s policy and the applicable law, and the Account status is fully active.
  6. If the request to open the Main Account is rejected by the bank after the verification process, the Main Account will be closed automatically and the Customer will receive the information via email. If there is any fund left in the Main Account, including in the Flexi Saver, Dream Saver, e-Card, and other facilities, Bank will return all the available fund (with no cost and/or interest) by transferring the fund to another Customer’s bank account at PT BANK BTPN Tbk or other banks as instructed by the Customer (there are fees incurred for the transfer and/or interest free). The bank will contact the Customer through email and/or phone call to get the information needed for the account.
  7. The m-Card (debit card) can be requested with a minimum balance of IDR 500,000 in the account. Card will be sent by the Bank by post or through a courier service appointed by the Bank to the registered address or can be collected if the registration process is completed at the Jenius Live. After receiving the m-Card, the customer has to use the Mobile Application to activate the card and create the PIN before the card can be used at the Bank’s ATM and other partners’ ATM (Bersama/Prima/Visa network/GPN. In the event the customer blocks the m-Card, the request for a replacement card will be automatically submitted and the replacement card will be sent by post or through the courier service assigned by the Bank to the Customer’s registered address.
  8. The m-Card (or the replacement card issued the by Bank) can also be used as a proof of ownership of the customer’s account. If the m-Card is lost, the Customer can block the card through the Mobile Application or contact the Jenius Help service. All the transactions happened before the loss or the theft report legally accepted by the Bank are solely the responsibility of the user. According to the bank’s policy, the m-Card will be terminated or deemed invalid if the main account is closed.
  9. The m-Card, x-Card, and e-Card can be used as means of payment for transactions performed in all merchants registered as part of the Visa, GPN and Debit Prima networks.
  10. Debit card transactions can be linked to the Indonesian Rupiah account or foreign currency accounts that can be configured by the Customer. Any transactions involving foreign currency exchange will be charged after conversion based on the exchange rate set by the Bank / Bank Partner. The Customer must ensure that the debit card is active when making transactions with the debit card.
  11. Transaction fees will be charged for cash withdrawals conducted using networks outside of the Bank’s registered ATM networks (e.g. ATM Bersama, ATM Prima or Visa Plus) based on the applicable Bank’s policies.
  12. Transactions of exchanging (buying/selling) foreign currencies using Jenius application can only be carried out during the operating hours of foreign currency exchange feature, follow the operational hours on the Jenius website and/or Mobile Application. Outside the operation hours, Customers cannot exchange foreign currency using Mobile Application.
  13. Bank can arrange and stop buying/selling foreign currency at any time through the Mobile Application.
  14. In performing currency conversion calculations, the Bank may round off as needed.
  15. Foreign currency transfer can be done via Mobile Application using a foreign currency balance available in Jenius.
  16. Foreign currency transfer to fellow Jenius users or other banks (domestic or international) can be carried out during the operational hours on the Jenius website and/or Mobile Application.
  17. Foreign currency transfer inside Indonesian territory can only be done for saving purposes according to Bank Indonesia Regulation (Peraturan Bank Indonesia) No.17/3/PBI/2015 regarding Obligation to Use Rupiah in the Territory of the Republic of Indonesia.
  18. The foreign currency transfer process depends on the provisions of each Destination Bank, so Bank cannot be certain of the time needed for the money to be received by the Recipient.
  19. Refunds when transferring foreign currency can be made for various reasons, but not limited to: (1) Recipient’s account number or data details are incorrect/incomplete; (2) Transactions require additional documents, (3) Recipient is included in the OJK Black List, terrorist list, or National Black List, (4) Do not pass AML screening, and others.
  20. Refunds can be returned in full or in part (following the fees that arise for the transaction).
  21. The Customer can receive incoming transfers from fellow Jenius accounts or from other banks or institutions (domestic or international). If there is a difference in the currency of the transaction instructions received by the Bank, the Bank will convert to the currency of the recipient’s account at Jenius (according to the exchange rate prevailing at the Bank).
  22. When the customer transfers/withdraws money in a different currency than the customer’s account, the Bank has the right to convert the currency using the exchange rate at the moment the conversion happens. The Customer understands and fully responsible for the risk of exchange rate fluctuation related to the conversion.
  23. The customer agrees to release the Bank from all losses, liability, claims, and expense (including the legal fees) that may arise in relation to the execution of Customer’s instructions through the Customer’s Mobile Application, except in the case when the customer can prove otherwise and/or the transaction is wrongly executed by the Bank.
  24. The debiting and crediting of an account are executed by the deposit/withdrawal of cash, in/out fund transfer, debit card transactions, or by other means provided by the Bank based on the Customer’s instruction through Mobile Application.
  25. The Main Account is the center of the Customer’s association with Jenius, and in the event that the Main Account is closed, all the additional accounts and other services related to the customer’s Jenius Main Account will also be terminated.
  26. The Customer can close the account by contacting the Customer Care, visiting the Jenius Live, and/or Mobile Application.
  27. The Customer agrees that the Bank holds the right to close, block, or freeze the customer’s accounts and/or banking services/facilities, as well as to charge the customer for administration fees and other charges arising from the account closure, in the event the following cases occur:
    1. One of the customer’s Accounts believed has been misused, including but not limited to accommodate and/or support criminal activities and/or involved in fraud activities/intention related to a customer’s bank account and/or bank services/facilities including the ones that inflict losses to the society and other parties, and/or the Bank,
    2. The customer provides data/information that is considered suspicious by the Bank and/or provides data/information that is false/invalid/ incomplete, and/or unwilling to provide any data/information requested by the Bank in accordance with the applicable laws and regulations. The customer is exposed to the screening sanction according to the bank’s policy and/or the screening sanction in the recipient country,
    3. The Customer’s data profile matches with the Terrorist and Terrorist Group Watch List (Daftar Teroris dan Terduga Teroris – DTTOT) and the Weapons of Mass Destruction proliferation watch list,
    4. There is a written request from the police, prosecutors, courts, Center for Financial Transaction Reports and Analysis Center (PPATK), Tax Office, or other competent authority in accordance with the applicable laws and regulations or to fulfill certain obligation/debt that has not been resolved by the Customer to the Bank.
    5. Due to certain matters permitted by regulations, the Bank no longer provides account products and/or certain banking services/facilities.
  28. In the case where the customer’s account will be closed due to the above-mentioned reasons, the customer is required to withdraw the remaining balance or to transfer it to other bank accounts in accordance with the procedures and regulations of the Bank. The Bank holds the right to withhold the reason behind the closure unless stated otherwise in the regulations.
  29. Only in the event that the Customer:
    1. Pass Away,
    2. Bankrupt,
    3. Failed to pay,
    4. Under a guardianship due to certain conditions,
    5. Does not hold the rights to organize, maintain, or retain wealththe Account may be closed/disbursed, and the remaining balance will be paid to the legally appointed party/heir/substitute in accordance with the law and regulations as well as the Bank’s policy. The Bank is hereby entitled to check the comprehensiveness and the validity of the submitted documents.
  30. In the event of a dispute between the Customer and the appointed party or between multiple parties claiming to be the legitimate heir, the Bank reserves the right to postpone the payment until the settlement between the disputing parties or the appropriate court decision has been reached.
  31. The Main Account, and m-Card can only be used by the Customer alone and shall not be handed over or transferred in any form and in any way to other parties. However, x-Cards may be given and used by other party approved by the customer, and the customer shall be responsible for any misuse of the x-Card.
  32. The Customers are only allowed to have one device connected to an active account.
  33. The customer is not permitted to transfer the use of the Mobile Application to any party and cannot use the Mobile Application for the benefit of the Customer other than making transactions and/or receiving services provided by the Bank on the Mobile Application. The customer is legally responsible for misuse as a result of transferring the intended use of the Mobile Application.
  34. The customer is not permitted to manipulate, copy and/or take actions that result in changes to the Mobile Application system registered in the Bank’s system.

III. Benefits and Risks


  1. Jenius Mobile Application is available for the Customer to perform all financial and non-financial transactions services provided by Jenius, except for transactions with cash. The Customer will be assisted by the Customer Service, Jenius Live, and/or Bank’s branch office available for any financial and non-financial service assistance only when the Mobile Application cannot be used for a reasonable cause.
  2. Customer Care and/or Jenius Live are available for any customer support such as inquiries or complaints.
  3. Cash transactions can be performed by using the ATM. Specifically by using the m-Card and/or x-Card, customers can make cash withdrawals/transfers/balance checking via BTPN ATMs or other banks’ ATMs registered as part of the Bersama/Prima/Visa/GPN networks.
  4. The Customer has fully understood all the features from the Bank Accounts that are related to Jenius, including but not limited to the Main Account in Indonesian Rupiah and foreign currencies, Flexi Saver, Dream Saver, Maxi Saver, e-Card, and x-Card. The Customer can access all the Accounts mentioned above until a certain amount that is assigned by the Bank. The details of all the Account features can be found in the product information section on Jenius website www.jenius.com and/or Mobile Application.



  1. The Customer agrees and acknowledges that logging into the Jenius Application, using the Password and/or “Fingerprint Login (One Touch)” or “Face Recognition/Face ID” by any party is also a form of instruction and approval from the Customer to give power of attorney from the Customer to the Bank to carry out transactions through the Jenius Application and therefore, the Customer declares that the data and/or Instructions are correct and valid and will not submit any claims in connection with the instructions and approval of the transaction and acknowledges that all evidence in the Bank is valid evidence even though it is made not in writing/not signed by the Customer and has the same legal force as the written instructions signed by the Customer.
  2. The Customer is responsible to ensure that all the data and instructions provided to the Bank are correct and complete. The Bank will not be responsible for the result of negligence, incompleteness or vagueness of the data and/or the instructions given by the Customer.
  3. The Bank is not responsible for all risks arising from the use of the Mobile Application, including but not limited to risks arising from negligence, incompleteness, inaccuracy or ambiguity of data and/or instructions given in connection with a successful transaction.
  4. The Bank is not responsible for the performance of products received and/or delivery of products from Merchants to Customers whose transactions are paid using the system on the Mobile Application.
  5. The Customer hereby agrees that the Bank reserves the right to stop the execution of the customer’s instruction including, but are not limited to the following circumstances:
    1. Insufficient Account balance,
    2. The Account was subject to confiscation or block,
    3. The Bank has the reasonable ground to suspect any fraud or criminal intend.
  6. In the event of a dispute between the Customer and a third party, the Bank reserves the right not to make a payment or a transfer to anyone until the dispute has been settled and/or in accordance with a legally binding court order.
  7. The Customer hereby agrees that Bank reserves the right to suspend the service on the Mobile Application for a predetermined period of time for maintenance purposes, and for other purposes deemed valid by the Bank, with or without prior notice to the Customer and without a responsibility to anyone.
  8. To improve services for the Customer, the Customer hereby agrees that the Bank holds the absolute right to update, modify or change the website or the software (including the Mobile Application or other applications) that are used to access Jenius at any time with or without prior notice to the customer and without providing any reason.
  9. The Customer hereby agrees that the Bank reserves the right not to support the previous version of the software (Mobile App). If the Customer fails to update the relevant software or use the enhanced version, the Bank will not be responsible for any consequences thereof.
  10. The Bank is not responsible for the use of Mobile Application on devices that are not supported by the Mobile apps including but not limited to jailbreak or rooted devices.

IV. Security Information

  1. Security information such as the Username, Password, OTP (One Time Password), Password and PIN will be required for Login, device activation, and the execution of each transaction as required by the Bank for authentication purposes. The Bank provides a default transaction limit that does not require additional security where the customer does not need to enter a password, and the customer can independently set transaction limits that do not require the password. All the security information will be created and set by the Customer. The Customer is required to create a solid password and must not use a combination that can be easily guessed or use personal information such as date of birth and address. The use of such information will be considered as customer’s negligence. The customer is fully responsible for the security and the confidentiality of all the Customer’s Mobile Application usage.
  2. The security information confidentiality is the Customer’s sole responsibility and not handed over to anyone, because the information is equivalent to a written instruction signed by the customer and shall be treated as an explicit authorization by the customer for the Bank to carry out transactions through the Mobile Application.
  3. All losses arising from the loss of the Customer’s Device / Mobile Number and/or misuse of Security Information due to the Customer’s negligence/errors are the responsibility of the Customer, and the Customer releases the Bank from all responsibilities and/or demands and/or lawsuits from the Customer and/or other third parties.
  4. The use of Fingerprint/Face Recognition/Face ID to log in on the Mobile App, requires the Customer to:
    1. Be the Customer of the Bank and the valid Jenius Customer,
    2. Have downloaded the Jenius app on the Customer’s smartphone,
    3. Have at least one fingerprint/Face Recognition/Face ID registered on the smartphone.
  5. If the Customer wants to Login using the fingerprint or Face Recognition/Face ID feature, the Customer has to activate this feature during the first Login attempt following the Main Account creation or later on from the Profile & Settings menu on Mobile app.
  6. After the fingerprint/Face Recognition/Face ID feature is activated, the Customer can Login to the Account by using the fingerprint scanner on the Customer’s smartphone.
  7. The Bank is not responsible for any loss caused by other party whose fingerprint/Face Recognition/Face ID is registered on the Customer’s smartphone.
  8. The Customer may disable the fingerprint/Face Recognition/Face ID Login feature at any time from the Profile & Setting menu on the Mobile app.
  9. The Customer acknowledges and agrees that the Bank does not claim or guarantee, either directly or indirectly, related to the use of Fingerprint/Face Recognition/Face ID Login and or Jenius Application, caused by, but not limited to:
    1. whether the Login using a Fingerprint/Face Recognition/Face ID or Jenius Application has met the requirements; or
    2. the Fingerprint feature/Face Recognition/Face ID or the Jenius application will always be available, accessible or function with the network infrastructure, systems or other bank services offered by the Bank over time.
  10. The Bank is not responsible for any losses suffered by the Customer in relation with the Fingerprint/Face Recognition/Face ID Login feature (either intentionally or unintentionally) or the use of Mobile application, even if the Bank has informed the possibility of losses, including losses from:
    1. The violation of the Bank’s policy related to the Login process using the Mobile Application’s Fingerprint/Face Recognition/Face ID feature,
    2. The event of an unauthorized access and/or the use of unauthorized electronic devices,
    3. The use of the information or data related to the Customer in any form by another party due to the use of Jenius and/or information obtained from the use of Fingerprint/Face Recognition/Face ID Login feature during Sign in through the Fingerprint Login or the Mobile Application,
    4. Accessing the Mobile Application using the Fingerprint/Face Recognition/Face ID Login feature by parties other than the Customer,
    5. Any event outside of the Bank’s control or due to improper use; and/or a termination or a cessation during a Fingerprint/Face Recognition/Face ID Login or the Mobile Application Login.
  11. The Bank will submit a verification process that meets the Bank’s standard to enable the Customer to perform financial and/or non-financial transactions.
  12. The customer agrees to release the Bank from all losses, liability, claims, and expense (including the legal fees) that may arise in relation to the execution of the bank’s instructions, except in the case when the customer can prove otherwise and/or the transaction is wrongly executed by the Bank.
  13. The Customer is responsible for obtaining and using the software and/or equipment needed to access Jenius with the risk borne by the Customer.
  14. The Customer is also responsible for the performance and the security (including but not limited to taking all the necessary measures to prevent unauthorized use or access) of any equipment used by the Customer to access Mobile Application.
  15. The Customer must ensure that the equipment used to access Jenius is free from electronic failure, mechanical failure or data corruption, viruses, bugs and/or software that is harmful/prohibited by the telecommunication service provider, or the manufacturer or the vendor of the relevant equipment. This includes:
    1. The regular use of mobile devices and/or other devices with software such as the latest anti-virus, anti-malware, and firewall software which are kept up to date and ran with the latest anti-virus signatures,
    2. Ensuring that the Customer does not jailbreak, root, or modify the mobile device and/or other equipment, or download any prohibited application because it may increase the device’s vulnerability to viruses and malware.
  16. The Customer hereby agrees to exempt the Bank from the responsibility of electronic/mechanical malfunction, data corruption, virus, bugs and/or any other harmful software that may be caused by services provided by the relevant internet provider or information service provider.
  17. The Customer is responsible for the security of the m-Card, e-Card, x-Card, and other debit cards issued by Jenius, including protection from theft and misuse.
  18. The Jenius debit card will be issued with the validity information that shows the month and the year. The expiry date is the last day of the month and year printed on the card. After the debit card has expired, the card will be cancelled and the Customer is no longer entitled to hold or use it. The Customer hereby agrees that the card will be destroyed by cutting it (including the chip on the card) diagonally into two pieces and take the necessary steps to prevent the misuse of the card details.
  19. By using the Mobile Application, the Customer understands that all communications and instructions from the Customer received by the Bank will be treated as legitimate evidence despite not being in the form of a written document or issued in the form of signed documents, and therefore, the Customer agrees to compensate and release the Bank from any loss, liability, claims, and costs (including legal fees) that may arise from the execution of transactions through the Mobile Application based on the customer’s instructions, unless the execution error of the instructions is caused by an error or negligence on the part of the Bank.
  20. The Bank is only obliged to provide cash transactions service (either a deposit or a withdrawal) up to a maximum limit per transaction per day through the BTPN Branch according to conditions set by the Bank. The ATM cash withdrawal is allowed up to the maximum limit specified by the Bank. For more details, please visit our website at www.jenius.com/rates-and-limits.
  21. The Customer agrees and authorizes the Bank to reject proposals or cancel the Customer’s request for Cashtag identification in accordance with the applicable policies at the Bank. For that reason, the Customer agrees to release the Bank from any loss, liability, claim and expense (including legal fees) which may occur in relation to the use of $Cashtag by the Customer.

V. Transaction Records

  1. The recording of every transaction within the bank account that used as the basis for Jenius and caused balance changes will be issued in the appropriate format determined by the Bank.
  2. The Bank will issue a transaction receipt report to the Customer such as, but not limited to, transaction receipt and/or e-statement available for the Customer to download from the Mobile Application.
  3. The E-statement will be issued on a monthly basis (including transactions from the first up to the last day of each month) and provided via the Mobile Application.
  4. If the Bank does not receive any complaints from the Customer regarding the information submitted in the e-statement, within 7 working days after the Customer receives the e-statement the Customer is deemed to agree with the information contained in the e-statement.
  5. Interest calculation:
    1. the Bank has the authority to determine the interest rates in accordance with the regulation, and the Customer will be appropriately informed according to the applicable regulation,
    2. value Added Tax (PPh) on the interest will be applied based on the applicable tax regulation,
    3. interest rate is only given for active customer (Customers who have an active account and have not closed it).

VI. Fees

  1. The Bank holds the right to debit the Main Account and/or other Additional Accounts for predetermined charges in the fees table, which are available on Jenius website and/or Mobile Application.
  2. Information regarding the fees and its related details can be accessed through the website www.jenius.com/rates-and-limits also be obtained by contacting Customer Care and visiting the Jenius Live.

VII. Government Assurance

  1. The Customer’s balance in Jenius is guaranteed in accordance with the provisions of the Deposit Insurance Agency (Lembaga Penjaminan Simpanan or LPS).
  2. In accordance with the provisions set by the Deposit Insurance Agency (Lembaga Penjamin Simpanan – LPS), the Customer’s saving balance that exceeds the maximum value of savings and/or interest rate guaranteed by LPS, or does not meet other requirements set by LPS, then the saving balance is not guaranteed by LPS.

VIII. Law and Corresponding Jurisdiction

  1. The interpretation and the implementation of these Terms and Conditions are regulated by and abide with the applicable law of the Republic of Indonesia.
  2. If these Terms and Conditions are available in English, the English version is only a translation. If there are differences in interpretation between the Indonesian and English texts, the Indonesian text will prevail and be legally binding.
  3. Matters related to these Terms and Conditions as well as its consequences, will be legally domiciled within the South Jakarta District Court without limiting the Bank’s rights of legal proceedings or indictment to Customer in other Indonesian courts.
  4. The Customer and the Bank mutually agreed to ignore Article 1266 in the Indonesian Civil Law.
  5. These Terms and Conditions have been adjusted to all requirements set by the Financial Services Authority of Indonesia (OJK).

IX. Statement and Authority

  1. The Customer hereby declares that every data, description, and electronic signature in the Account application and/or financial services/facilities used by the Customer, any supporting document related to the bank account application and/or banking service/facility used by the Customer, also every Account operational instruction and/or financial services/facilities, also the authority given by the Customer to a third party (if any) as well as the authority given to the Bank are valid and legally binding to every Account and/or financial service/facility, unless indicated otherwise. The Customer is obliged to provide information to the Bank immediately for every change in name, address, telephone number, NPWP number and any other item that are different from the previously submitted data/description provided by the Customer to the Bank. Failure to inform the above changes is entirely the Customer’s sole responsibility.
  2. The Customer hereby declares that:
    1. the Bank holds the right to perform validity tests to the data provided by the Customer on the bank account application or application to receive other services/facilities or any other similar application, and holds the right to request any additional data deemed necessary by the Bank,
    2. the Bank has given sufficient explanation regarding the characteristic of the Bank’s product that will be used by the Customer, and the Customer has fully understood the consequences including the benefits, losses, risks, and fees that may occur in relation to the Bank’s product.
  3. The Customer hereby declares to authorize the Bank to directly debit the funds from the Customer’s Account for the purpose of banking transaction. If the Customer has obligations to the Bank, both for obligations arising from banking transactions that have not been completed by the Customer, or for obligations arising based on credit agreements/debt acknowledgments or other agreements made between the Customer and the Bank, the Bank has the right and is hereby authorized by The Customer to block and/or debit and close and/or cash out an Account in the name of the Customer at the Bank, as well as to block and/or close banking facilities/services received by the Customer from the Bank, to be calculated with the Customer’s obligations owed to the Bank. Such power of attorney will remain in force until all of the Customer’s obligations to the Bank are settled.
  4. The Customer agrees to allow the Bank to provide and/or distribute the Customer’s personal data to and/or representatives and/or parent companies and/or, shareholders and/or affiliated companies and/or third parties who have collaborated with the Bank, for administrative purposes and / or offering financial products / services and / or in order to improve services so that the Customer can use all the features and services offered and can feel comfortable using the application to the fullest.
  5. The customer agrees to allow the Bank to verify digitally with the Population and Civil Registry Office (Dinas Kependudukan dan Catatan Sipil – Dukcapil) and/or through the third party listed in point X.
  6. Regardless of the aforementioned provisions, the Customer hereby grants the power of attorney to the Bank to disclose information related to the Customer, including but not limited to, information about the amount of money or other particular matters relating to the Customer Account to the Controlling Shareholder/Last Controlling Shareholder, subsidiaries and Bank affiliates.
  7. The Customer hereby understands and agrees that The Customer authorizes and/or open the information access to the Bank for:
    1. the Customer’s device records,
    2. Official information from the Customer telecommunication provider (excluding records of conversation),
    3. Credit scoring from third parties who work with the Bank based on electronic business account information and official information from the Customer’s telecommunications provider, the Bank may read, obtain, collect, process and analyze the information in the Customer’s account that are deemed relevant by the Bank to the services/products chosen by the Customer or the services/products of the Bank that will be offered to the Customer including but not limited to loan products.
  8. The Customer hereby declares to have understood and aware of all the risks arise from the transactions, whether processed through the ATM machine, other places determined by the Bank, or other transactions related to the electronic banking, and is solely responsible for all transactions, including in the event of the Account, debit card, and/or banking facilities/services are misused for any reason.
  9. The Customer hereby declares that the Customer is willing to be visited and/or contacted by the Bank through the Customer’s personal communication means, to convey information (including products and/or services), from Monday to Saturday, excluding the national holiday, between 08.00 – 18.00 local time.
  10. The Customer hereby declares that the Customer is willing to be visited and/or contacted by the Bank through the Customer’s personal communication means for service inquiries (including but not limited to card delivery and direct meetings for customer data verification) can be done on Monday to Sunday including national holidays from 08.00 – 21.00 local time.
  11. If in the future the Customer is no longer willing to be contacted and/or visited by the Bank as stated in the previous agreement (section IX numbers 11 and 13), then the Customer can contact the Bank via Jenius Help: Telephone 1-500-365, Email [email protected] to end the use of Bank products and/or services.
  12. The customer hereby declares that the Bank is exempted from any responsibility and/or claim and/or lawsuit for damages arising from system and/or communication facilities failure caused by external factors beyond the control of the Bank.
  13. The Customer hereby declares that he/she agrees that the signature stated on the ID Card (KTP) Photo submitted to the Bank is to be stored and used by the Bank as the Customer’s signature specimen.
  14. The customer hereby declares to be a subject and bound to this Terms and Conditions, the Terms and Conditions for Customer of PT BANK BTPN Tbk. (“Terms & Conditions for BTPN Customer” that can be accessed by the Customer at www.jenius.com/terms-and-conditions, the terms and conditions related to the Account and/or facility/banking services will be accepted by the customer such as the prevailing laws, legislation and the Bank’s authority in the Republic of Indonesia, determined by the Republic of Indonesia in relation to banking facilities/services provided by the Bank to the customer (including but not limited to electronic transaction process).
  15. All authority granted by the Customer under these Terms and Conditions are granted with a substitute right, and during which time the customer’s liability to the Bank has not been fully settled, such authority cannot be withdrawn and terminated for any reason, including but not limited to the reasons specified in the Article 1813 of the Civil Law, because such authority is an inseparable component of these Terms and Conditions.
  16. Without violating the provisions of Consumer Protection in the Financial Services Sector, the Customer agrees and acknowledges that the Bank has the authority to upgrade, modify or supplement the Terms and Conditions in accordance with the applicable regulations. Any change, addition or update to these Terms and Conditions will be informed through the Customer’s email or other means of communication/information and will require customer consent and the customer is bound to such changes in the future.
  17. The Customer agrees to receive notification through electronic means in accordance with the applicable law, these Terms and Conditions, as well as any other notices regarding the Customer’s use of the Account or products/services provided by Jenius. Electronic means refer, but are not limited to, electronic mail, or displayed information on the website’s pages, Internet Banking or on the Jenius Mobile Application, or through wireless means of communication. The above terms, agreements, and notifications shall be deemed to have been received upon publication.
  18. The Customer hereby declares that customer has agreed that the customer is required to provide additional information and or documents requested by the bank in relation to customer’s transaction and profile, if needed.
  19. By reading, understanding general product information, and agreeing to these Terms and Conditions, the Customer binds himself/herself to this Terms and Conditions, and all the terms and conditions set by the Bank and the Customer states that the Bank has provided sufficient explanations regarding the characteristics of the Bank’s products or services including Digital Banking Services the Customer will use and has understood all the consequences of using the Bank’s products or services including Digital Banking Services, along with the benefits, risks, and costs inherent in the Bank’s products or services including the Digital Banking Services.
  20. The customer acknowledges, understands and agrees that the Bank from time to time on the Bank’s initiative may change the general terms and conditions and/or in the Written Notice including the terms, type and amount of rates and fees listed in these Terms and Conditions and/or stated in the Written Notice, by submitting a Written Notice or announcement explaining the matter according to the applicable provisions in this case no later than 30 (thirty) Business Days before the change takes effect on the date stated by the Bank, except to comply with regulations current regulation.
  21. In the event that the Customer does not agree with the change, the Customer in question can submit a statement of objection to the Bank within 30 (thirty) Business Days from the time the notification is sent and/or announced. In the event that the Customer expresses his/her objection, voluntarily terminates/closes the Jenius Application service on behalf of the Customer, the Bank will terminate/close the Jenius Application Service on behalf of the Customer and the Customer must previously settle all his/her obligations to the Bank.
  22. If after the date of the change as referred to in the notification submitted and/or announced by the Bank, the Customer does not submit an objection and continues to use the Jenius Application after the change becomes effective, then the Customer expressly agrees with the change and hereby declares that he/she is subject to all of these changes without exception.

X. Digital Verification

Banks carry out digital verification through certified Electronic Signature Operators and Electronic Certification Operators.

  1. The Bank cooperates with PT Privy Identity Digital (Privy) as a certified Electronic Signature Operator and Electronic Certification Operator whose head is the Ministry of Communication and Informatics of the Republic of Indonesia.
  2. The customer will use Privy’s services including but not limited to electronic certificate issuance services provided by Privy
  3. The customer agrees to register as a Privy user to use the Electronic Certificate issuance service based on Verified Identity in the process of opening a Jenius account.
  4. The customer authorizes [Bank] to forward KTP data, selfie, cellphone number and e-mail address as registration data to Privy in order to comply with the provisions of the Laws and Regulations.
  5.  The Customer hereby agrees to be bound by the terms and conditions of the Privy service contained on the Privy website. Privacy Policy (https://privy.id/privacy-policy) and Privy Terms and Conditions (https://privy.id/terms-of-use).

XI. Force Majeure

  1. The Customer shall exempt the Bank from all claims, if the Bank is unable to execute instructions from the Customer, both entirely or in part, due to events or causes beyond the control or capability of the Bank, including but not limited to natural disasters, wars, riots, hardware condition, failure of electronic or transmission infrastructure systems, power failures, telecommunication interruptions, failure of the clearing system or any other matter determined by Bank Indonesia or other authorized institutions.
  2. Once the event when the Bank is unable to execute the instruction from the customer ends, the Bank will resume the instruction within the period based on the provisions of Bank Indonesia and/or the Financial Services Authority (OJK).

XII. Questions and Complaints

  1. Customer may contact the Customer Service for inquiry, file a request, and/or file a complaint via telephone number 1-500-365, chat service within the application or email [email protected]. If the Customer wishes to file a written complaint, a proof of evidence must be attached to support the complaint.
  2. Should the complaint be related to the completed financial transactions, the Customer must submit the complaint within 30 (thirty) days after the transaction.
  3. The Bank will perform an examination/investigation of the complaint in accordance with the policies and procedures applicable at the Bank.
  4. The Bank does not charge a fee for implementing Complaint service policies and procedures.
  5. If in terms of the customer complaint service an agreement is not reached with the Bank, the customer can settle the dispute through the court or outside the court. Out-of-court settlement can be done through an Alternative Dispute Resolution Institution established by OJK, namely LAPS SJK (Alternative Dispute Resolution Institution in the Financial Service Sector).
  6. These Terms and Conditions have been adapted to the provisions of laws and regulations including the provisions of the Financial Services Authority Regulations (Peraturan Otoritas Jasa Keuangan).
  7. These Terms and Conditions and all documents related to and arising from but not limited to the Terms and Conditions, are subjects to the laws of the Republic of Indonesia.
  8. The Customer declares that he/she is subject to these Terms and Conditions and the terms and conditions for opening an account that apply to the Bank.

PT BANK BTPN Tbk is licensed and supervised by the Financial Services Authority (OJK), and is an LPS guarantee participant.

Version 3.01
Last Updated: 27 June 2023