Jenius

Jenius is a digital banking app that simplifies your entire financial life in one place. With over 4 million users already managing their money smarter, you can handle transactions, savings, credit, investments, and financial reports without juggling multiple apps.

Get instant access to a complete banking ecosystem designed for modern living. Your Jenius account comes with a main debit card plus three additional cards for everyday purchases at Visa merchants worldwide. Need to shop online? Activate your virtual card for streaming services, gaming, and e-commerce in seconds. For international travel, access nine foreign currencies (USD, SGD, JPY, GBP, AUD, HKD, EUR, THB, CNY) available 24/7—link them to your m-Card and transact globally without conversion fees.

Pay your way with flexibility. Choose from Jenius Pay using your $Cashtag, QRIS scanning for instant checkout, direct transfers to any bank account, or bill payments covering internet, utilities, mobile credits, and more. Each transaction earns you closer to valuable rewards—redeem Yay Points for travel miles, cashback, or e-Wallet balance in real time through your fully online Credit Card.

Save strategically with options tailored to your goals. Dream Saver helps you achieve five separate ambitions, Flexi Saver offers three flexible accounts for dynamic allocation, and Maxi Saver lets you open unlimited deposits from your phone. Cash Cow rounds out your options with daily transaction cashbacks, while locked savings deals provide upfront rewards. Beyond banking basics, split bills with friends, request money payments, top up e-Wallets (GoPay, OVO, LinkAja, DANA, and more), and grow wealth through mutual fund and bond investments.

Understand your financial health with Moneytory, your personal financial reporting tool that delivers actionable insights into your spending and savings patterns. All of this—every feature, every transaction, every opportunity—is accessible through one intuitive interface.

For just IDR10,000 monthly subscription, you unlock the full power of simplified financial management. Jenius is licensed and supervised by Indonesia's Financial Services Authority (OJK), Bank Indonesia (BI), and insured by the Indonesia Deposit Insurance Corporation (LPS), giving you security and peace of mind with every transaction.