Now, everyone can be an author and write your own money story!
As a mobile-based app which is completed with Visa debit cards, Jenius helped more than 2 million people to have happy endings.
Don’t worry about the plot! Because we built banking experience based on your needs and aspirations to make transacting and managing life/finance easier anytime and anywhere in this new normal era.
Are you ready to write your story with these features?
1. Activate PERSONAL and BUSINESS ACCOUNT without going to the bank
You can have 2 bank accounts (personal and business) in 1 Jenius app to manage your funds anywhere and anytime.
2. ACCOUNT ACTIVATION through a video call
No need to go to a bank. Now, opening a bank account can be done everywhere, even when you stay at home!
3. Debit card as a credit card
Instead of a credit card, now you can use Jenius Debit Cards to subscribe to Spotify, Netflix, buy applications, top up game, and create PayPal account.
4. No more juggling between multiple apps, pay with QRIS
It is a quick and secure new contactless payment method from Jenius.
5. Moneytory to map out your personal cash flow
This is the perfect money tracker to help you manage financial life effectively.
6. FLEXI SAVER, a flexible saving
Saving account is on your smartphone. Now you can have up to 3 flexible savings with 4% p.a. interest rate and with no minimum balance. You can top up and withdraw your fund anytime.
7. DREAM SAVER, your automatic saving
This automatic saving with 4% p.a. interest rate will help you achieve your dreams by making automatic debit payments to your saving every day/week/month.
8. MAXI SAVER to maximize your money
A term deposit with up to 5.5% p.a interest rate and minimum fund of IDR10,000,000. You can choose a preferred tenor and rollover method.
Besides IDR, you can also have USD, SGD, AUD, EUR, GBP, HKD and JPY balance in your Jenius account. Connect any of those foreign currencies to your m-Card and you’re ready to make a transaction and investment.
10. SEND IT to pay all your bills
We offer easy access to money transfer, pay electricity, water, phone, credit card bills, donation, and every payment with one feature.
11. e-WALLET CENTER to manage your e-Wallets
Manage up to 10 digital wallet accounts of GO-PAY, OVO, DANA, LinkAja! and M-Tix, from one place. You can decide how much money you want to top up, starting from IDR10,001.

12. JENIUS PAY for shopping online without a card
Input your $Cashtag and the bill will automatically be sent to your Jenius app.
13. CARD CENTER to manage your debit cards
One place to manage all of your Jenius Debit Cards. From changing your card limit to requesting a new card.
14. $CASHTAG for money transfer
A personalized name as your account identity to send money and money request to another Jenius users.
15. SPLIT BILL to split your bills fairly
Going the Dutch way with your friends is now easier with Split Bill, even if they haven’t used Jenius.
16. PAY ME to send a money request with no worries
Sending a money request is now more convenient with $Cashtag, e-mail address or phone number.
17. FLEXI CASH for your emergency fund
Get ready for rainy days with an emergency fund up to IDR50,000,000. You can make multiple disbursements as you need.
18. IN & OUT, your transaction history
Jenius records your income and expenses with simple categorization based on your financial activities.
19. Jenius E-STATEMENT is your bank statement
Don’t queue for cash flow statements! Save your time by downloading the monthly e-Statement from Jenius app and send it via e-mail/SMS/messaging apps if needed.
Jenius is part of PT Bank BTPN Tbk. that is registered and supervised by OJK (Indonesia Financial Services Authority) and guaranteed by LPS (Indonesia Deposit Insurance Corporation), so Jenius is safe.
Find out more about this new way of banking at and start a new, better life with Jenius.
Simpler Life, Happier You

What’s New

Version 2.38.2

Hi teman Jenius, there’s important news for you.

In Jenius, the safety and convenience of your transactions are our top priority. Starting this version, Jenius can detect the usage of jailbroken devices.

Furthermore, jailbroken devices won’t be allowed to access Jenius.

Please note that jailbroken devices are more vulnerable to virus and malware attacks.

Ratings and Reviews

3.6 out of 5
4.4K Ratings

4.4K Ratings

Adipedia ,

Great Concept, Still need Improvement.

Initially I was impressed with the new account opening concept. They are the first bank that allow account opening from an app in INDONESIA.
I had trouble with the registration though, my first registration did not goes as smoothly as I hoped. But after quite some time, back and forth with the helpdesk and Jenius partners. Problem was solved.
Saving money never been so easy, interest rate are comparatively good, free transactions quota and withdrawals from ANY Bank's ATM in Indonesia is interesting. Separate top up e-card from visa would create a safer internet transaction..
Can't give full score on the apps due to the registration problem, but the bank's staff was very helpful.

PS : to the developer, when updating the apps it is customary to tell the App Store customer what is being updated (bug fix, encryption, new menu, etc) instead of commercials like "6,25% deposit etc. ".

sonisinungan ,

What happen

E-Wallet centre always loading and cannot be click. Please fix it

calvinalx ,


Good service walaupun sekarang Free Withdraw dan Transfer fee sudah tidak ada lagi. Masalah nya cuman 1 yaitu Server tidak bisa handle load users yang banyak sehingga Aplikasi sangat sulit diakses.


PT Bank BTPN Tbk.
60.3 MB

Requires iOS 10.0 or later. Compatible with iPhone, iPad and iPod touch.



Age Rating


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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