How to activate Foreign Currency on Jenius?

1. On the bottom navigation in your Jenius app, choose Menu.
2. On the Foreign Currency section, choose Rates & Accounts.
3. Select the Foreign Currency you wish to activate, then choose Activate.
4. Choose your activation purpose from the available options (saving/investment, business transactions, or personal transactions).
5. Determine your initial deposit amount, then select Next.
6. Ensure your personal data is updated, agree to the Terms & Conditions, then select Activate … (the text will follow the abbreviation of the Foreign Currency you’re activating).
7. Enter your Jenius password, then select Submit.
8. You have successfully activated your desired Foreign Currency.

Please note, there will be a rounding adjustment in your Rupiah Active Balance used to activate the Foreign Currency.

Besides the Menu page, you can also activate Foreign Currency from:
– On the Home page of your Jenius app, choose Rates above the Active Balance box, then choose Activate on the Foreign Currency that you’d like to activate.
– The Wealth page, go to the Cash menu, then choose Activate foreign currency.
– On the Home page of your Jenius app, choose Move Balance, tap the down arrow in the “To” section, then tap Activate foreign currency.

How much is the first balance amount to activate Foreign Currency on Jenius?

The first balance to activate Foreign Currency is affordable, starting from 10 USD, 10 SGD, 10 AUD, 10 EUR, 10 GBP, 100 HKD, 1,000 JPY, 100 THB, 100 CNY, and 10 SAR.

Can I use all the funds in my Active Rupiah Balance when I activate Foreign Currency in Jenius?

This isn’t possible because Jenius rounds down when converting foreign currencies. So, make sure you always have funds in your Active Rupiah Balance to cover decimal conversions and rounding.

Are there any activation fees for Foreign Currency on Jenius?

No. You just have to make sure your first balance meets the minimum amount required.

Is there any operating hours to activate Foreign Currency on Jenius?

You can activate Foreign Currency on Jenius anytime or available 24 hours including on national holidays.

Do I have to activate all Foreign Currencies on Jenius?

The choice is yours. You can choose to activate just one, two, or even all of them.

Can I get a simulation of the Foreign Currency exchange rates before activating?

Yes. You can see today’s exchange rates and get an exchange rate simulation before transacting by following these steps:

1. On the Home page of your Jenius app, tap your profile picture on the top left corner of the screen to go to the Profile page.
2. Scroll down to the Help section, then choose SMBCI Care.
3. Choose Exchange Rate & Simulation.
4. See today’s exchange rates on the list provided, or scroll down and enter the amount to get an exchange rate simulation.

Other than that, you can access the Foreign Currency rates from here:
– On the Home page, choose Rates above the Active Balance section, or
– On the Menu page, choose Rates & Accounts under the Foreign Currency section.

However, the simulation can only be done from the Exchange Rate & Simulation page on the SMBCI Care page.

How to buy Foreign Currency on Jenius?

There are multiple accesses to buy Foreign Currency on Jenius app:
– From the Home page,
– From the Rates page,
– From Move Balance,
– From the Menu page, or
– From the Wealth page.

View how to buy from each accesses on the next few questions.

For your information, you can only buy Foreign Currency using IDR Active Balance.

How to buy Foreign Currency from Home page?

1. On the Home page of your Jenius app, on the row above the Active Balance box, choose the Foreign Currency you want to buy.
2. Choose Buy.
3. Input the amount you want to buy, then choose Next.
4. Agree to the statements on the confirmation page, then choose Buy.
5. You’ve successfully purchased Foreign Currency!

For your information, there will be rounding in the Active Rupiah Balance used for Foreign Currency purchases.

How to buy Foreign Currency from Rates page?

1. On the Home page of your Jenius app, choose Rates above the Active Balance box.
2. Choose Buy on the Foreign Currency that you want to buy. This option will only appear if you’ve activated the Foreign Currency.
3. Input the amount you want to buy, then choose Next.
4. Agree to the statements on the confirmation page, then choose Buy.
5. You’ve successfully purchased Foreign Currency!

For your information, there will be rounding in the Active Rupiah Balance used for Foreign Currency purchases.

How to buy Foreign Currency from Move Balance?

1. On the Home page in your Jenius app, choose Move Balance.
2. On the To field, tap the down arrow, then choose the foreign currency you want.
3. Input the amount you want to buy, then choose Move Balance.
4. Agree to the statements on the confirmation page, then choose Buy.
5. You’ve successfully purchased Foreign Currency!

For your information, there will be rounding in the Active Rupiah Balance used for Foreign Currency purchases.

How to buy Foreign Currency from the Menu page?

1. On the bottom navigation in your Jenius app, choose Menu.
2. On the Foreign Currency section, choose Rates & Accounts.
3. Choose Buy on the Foreign Currency that you want to buy. This option will only appear if you’ve activated the Foreign Currency.
4. Input the amount you want to buy, then choose Next.
5. Agree to the statements on the confirmation page, then choose Buy.
6. You’ve successfully purchased Foreign Currency!

For your information, there will be rounding (insert link) in the Active Rupiah Balance used for Foreign Currency purchases.

How to buy Foreign Currency from Wealth page?

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to the Active Balance section, then choose the activated Foreign Currency you want to buy.
3. Choose Buy now.
4. Input the amount you want to buy, then choose Next.
5. Agree to the statements on the confirmation page, then choose Buy.
6. You’ve successfully purchased Foreign Currency!

For your information, there will be rounding in the Active Rupiah Balance used for Foreign Currency purchases.

Is there a minimum amount to buy Foreign Currency on Jenius?

You can buy Foreign Currency on Jenius app starting from 1 USD, 1 SGD, 1 AUD, 1 EUR, 1 GBP, 1 HKD, 1 JPY, 1 THB, 1 CNY, and 1 SAR.

Can I use all the funds in my Active Rupiah Balance when purchasing Foreign Currency on Jenius?

This isn’t possible because Jenius rounds down when converting foreign currencies. So, make sure you always have funds in your Active Rupiah Balance to cover decimal conversions and rounding.

Is there a xx`maximum amount to buy Foreign Currency on Jenius?

You can buy Foreign Currency up to accumulated USD90,000 for a total of all currencies every month.

Are there any transaction fees when buying Foreign Currency on Jenius?

No.

Is there any operating hours to buy Foreign Currency on Jenius?

You can buy Foreign Currency on Jenius anytime or available 24 hours including on national holidays.

Are there other sources of funds to buy Foreign Currency on Jenius other than using IDR Active Balance?

No. You can only use IDR Active Balance to buy Foreign Currency.

Which exchange rate will be charged to me when I buy foreign currency on Jenius?

Jenius exchange rates.

Can I save in Foreign Currency?

Yes. As mentioned in activation purpose saving/investment, you can use Foreign Currency for saving purpose.

How to save in Foreign Currency on Jenius?

You just have to open Foreign Currency feature, activate the foreign currency you want, then buy foreign currency to add money to your saving balance.

Does Foreign Currency savings on Jenius has interest?

Yes and for USD only. You will get 2,75% p.a. interest, valid starting on 19 August 2025.

Interest rates can change at any time according to bank policies, and if there are changes, they will be informed according to applicable regulations.

Other than USD, Foreign Currency savings on Jenius don’t have interest.

Is there a minimum balance to get 2,75% interest p.a. in Foreign Currency savings (USD only)?

No. You will get 2,75% p.a. interest in Foreign Currency savings (USD only) without a minimum balance.

Is there any additional fee to get 2,75% interest p.a. in Foreign Currency savings (USD only)?

No. You will get 2,75% p.a. interest in Foreign Currency savings (USD only) without any additional fee.

How to sell Foreign Currency on Jenius?

There are multiple accesses to sell Foreign Currency on Jenius app:
– From the Home page
– From the Rates page
– From Move Balance
– From the Menu page
– From the Wealth page

View how to sell from each accesses on the next few questions.

How to sell Foreign Currency from Home page?

1. On the Home page of your Jenius app, on the row above the Active Balance box, choose the activated Foreign Currency you want to sell
2. Choose Sell
3. Input the amount you want to sell, then choose Next.
4. Check the confirmation page, then choose Sell.
5. You’ve successfully sold Foreign Currency

How to sell Foreign Currency from Rates page?

1. On the Home page of your Jenius app, choose Rates above the Active Balance box
2. Choose Sell on the Foreign Currency that you want to sell. This option will only appear if you’ve activated the Foreign Currency
3. Input the amount you want to sell, then choose Next.
4. Check the confirmation page, then choose Sell.
5. You’ve successfully sold Foreign Currency

How to sell Foreign Currency from Move Balance?

1. On the Home page in your Jenius app, choose Move Balance
2. On the From field, tap the down arrow, then choose the foreign currency you want
3. Input the amount you want to buy, then choose Move Balance
4. On the confirmation page, choose Sell
5. You’ve successfully sold Foreign Currency

How to sell Foreign Currency from Menu page?

1. On the bottom navigation in your Jenius app, choose Menu
2. On the Foreign Currency section, choose Rates & Accounts
3. Choose Sell on the Foreign Currency that you want to sell. This option will only appear if you’ve activated the Foreign Currency
4. Input the amount you want to sell, then choose Next
5. Check the confirmation page, then choose Sell
6. You’ve successfully sold Foreign Currency

How to sell Foreign Currency from Wealth page?

1. On the bottom navigation in your Jenius app, choose Wealth
2. Scroll down to the Active Balance section, then choose the activated Foreign Currency you want to sell
3. Choose Sell now
4. Input the amount you want to sell, then choose Next
5. Check the confirmation page, then choose Sell
6. You’ve successfully sold Foreign Currency

Is there a minimum amount to sell Foreign Currency on Jenius?

You can sell Foreign Currency on Jenius app starting from 1 USD, 1 SGD, 1 AUD, 1 EUR, 1 GBP, 1 HKD, 1 JPY, 1 THB, 1 CNY, and 1 SAR.

Is there a maximum amount to sell Foreign Currency on Jenius?

Yes. You can sell Foreign Currency max. USD249,000 per transaction.

Are there any transaction fees when selling Foreign Currency on Jenius?

No.

Is there any operating hours to sell Foreign Currency on Jenius?

You can sell Foreign Currency on Jenius anytime or available 24 hours including on national holidays.

Which exchange rate will be charged to me when I sell foreign currency on Jenius?

Jenius exchange rates.

Can I sell Foreign Currency to a balance other than rupiah?

No. Foreign Currency sales will be automatically added to IDR Active Balance.

Why did the converted amount when I buy or sell Foreign Currency on Jenius differ from the simulation?

Because foreign currency exchange rates might change at any time according to economic conditions and Bank Indonesia policies.

Can I see a simulation of Foreign Currency exchange rates to another foreign currency?

No. You can only see exchange rate simulations from foreign currencies to rupiah or vice versa.

Can I set a transaction limit for Foreign Currency?

Yes. You can set your single purchase limit and daily ATM withdrawal limit. Here’s how:

– On the bottom navigation, choose Wealth.
– Go to Cash, scroll down to Active Balance, then choose Foreign Currency you want.
– Go to Details, then choose More.
– Choose Change Limit.
– Set your single purchase limit and daily ATM withdrawal limit, then choose Save.
– You’ve successfully changed your Foreign Currency limit!”

Where to find Foreign Currency transaction history?

– Above the Active Balance, choose Foreign Currency that you want to see the history transaction.
– Choose View In & Out.

Are Foreign Currency history transactions on In & Out recorded forever?

No. In & Out only stores Foreign Currency transactions for the last 6 months.

Are Foreign Currency history transactions recorded on Moneytory?

No. Moneytory only records transactions in Rupiah.

Can I still make transactions using Foreign Currency if my m-Card is blocked?

Yes. You can still buy, sell, transfer, and receive Foreign Currency when your m-Card is Temporarily Blocked.

If your m-Card is in Permanently Block, you can only buy and sell Foreign Currency.