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 2.36.1

Two is better than one.
Introducing our two latest features: Jenius QR and Sinaya Prioritas.
Jenius QR allows you to pay using the QR code at all merchants with QRIS. For selected customers, enjoy free domestic & overseas ATM withdrawal, and a dedicated Relationship Manager brought to you by Sinaya Prioritas.
On top of that, we've fixed some bugs related to the registration process.

Go update your Jenius app!

Ratings and Reviews

3.6 out of 5
68 Ratings

68 Ratings

AldyOktaviandy ,

Please Always Improve and More Promos please

I actually enjoyed this app and the innovation that changed conventional bank into modern bank is absolutely amazing. Just keep improve and always optimize the app because sometimes i can’t enter with my fingerprints, but it’s not a major problem.

Developer Response ,

Hi, Aldy Oktaviandy. Thank you for using Jenius. If you have any questions about Jenius, don’t hesitate to contact Jenius Help via Twitter @jeniushelp. Thank you😊

nit4.. ,

Need improvement

The concept and everything about the financial and saving is a total great and yes for me. I am able to save more money without the concern of getting cut by other fee.

The thing that i mainly concern about is the app itself, it is VERY VERY VERY SLOW, i had to wait like a minute or half to actually move around the section inside the app, it loads really slow and always loads every time in every section, i understand that it is how it should work but considering i am a person that needs everything fast and always in a hurry, this is such a bad way to do transaction fast.

Also the fingerprint and the pin login part also need improvement, sometimes my fingerprints cannot be recognize by the app while my prints are readable by my iPhone 7 and other app that requires fingerprints. Logging in to the app also slow and takes half a minute or more to actually process the whole thing when i am in actuality using a very high speed connection everywhere i go.

Developer Response ,

Hi, nit4. Sorry for the inconvenience. You can ask Jenius Help to solve your problem by dialing 1500365 via phone, e-mail to, or chat through the Jenius app. Thank you😊

kersakeun ,

Kinda unstable sometimes, need some works

Jenius really helps me as a web developer to bought some applications online without having a credit card. I really enjoyed using it.

But the app itself is kinda unstable, it always gives me slow connection error even on hi-speed wifi.

And the last thing, please make the app compatible with 1Password. Or at least Make it able to paste to the password form in login screen. (Bcs right now I can't paste on it. It really breaks the UX.)

Developer Response ,

Hi, kersakeun. Thank you for using Jenius. If you have any questions about Jenius, don’t hesitate to contact Jenius Help via Twitter @jeniushelp. Thank you😊


PT Bank BTPN Tbk.
56.8 MB

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



Age Rating


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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